TWI406200B - Online financial management educating and evaluating system and method for the same - Google Patents

Description

Online financial education evaluation system and method

The invention relates to an online financial teaching evaluation system and method, in particular to a financial teaching evaluation system capable of dynamically introducing various signal models and parameters to a trading signal analysis servo center.

There are certain rules for buying and selling stocks, bonds or other investments. When someone wants to learn, in addition to directly entering the market, the prior art has some tools to provide a simulated financial environment, and learn to buy and sell in a virtual environment. How to use investment tools.

If you need to assess the rewards or advantages and disadvantages of the investor's investment behavior, the general system is to analyze the quality of the trading signal by Back Test or Monte Carlo Simulation. In addition to the methods, it can also be used as a backward test, or a competitive test.

At present, the prior art technology is a system computer program for stock trading simulation. This system can simulate and analyze stocks, commodities or other trading-related behaviors, and analyze the investment returns and investment methods through the virtual stock market.

One of the conventional techniques can refer to the schematic diagram of the investment simulation analysis system shown in the first figure, which shows the software and hardware that a basic investment and wealth management system should have.

The illustrated system provides a computer center 108 through which the user enters the computer center 108 via the Internet 114. After login authentication, the information and simulation environment of various investment and wealth management can be used. The computer center 108 has some servers, such as the real-time data server 15, which extracts the real-time transaction market information from external resources and converts it into information that can be read by the computer system, and then continues to the database server 17 of the current day. Thus, the database server 17 determines whether the information is useful, stores the useful portion in the current database 12 in the storage medium 110, and discards the useless information. In this way, real-time transaction information can be stored, including various stock market transactions of the day, especially the data of the day. If the data has been more than one day, it should be collected by the historical database server 19 and stored in the historical database 14 in the storage medium 110.

The signal captured and transmitted from the real-time data server 15 is also transmitted to the investment server 13, which is a management server registered for use by a plurality of people, and each user is provided by the real-time data server 15. The real-time transaction market information, the user can also retrieve various information stored in the storage medium 110 via the investment server 13.

The above-mentioned prior art describes a basic design of a simulation environment in which a user can obtain instant information on the current day or learn investment from historical data.

With some basic simulation environments, various investment tools can be learned. Therefore, the conventional technology generates a simulated investment environment realized by computer programs. Users can perform simulation investment in conjunction with the fluctuation of the real-time trading market to achieve educational training. .

Compared with the conventional technology for analyzing and learning by using a virtual investment environment (or game), the present invention further provides an online financial teaching evaluation system with scalable, more flexible and more learning space and a method for operating the same, the system Providing a multi-person simulation investment environment, introducing the concept of teaching, users, or students, can not only perform various investment behaviors in the virtual environment of the current financial transaction market, but also set the topic by the administrator (or the tutor). Or the variables of various investment environments to measure the academic performance of each user. In the process, in addition to the various market conditions set by the administrator and the simulation of various subjective and objective factors, the historical event model of the trading market in a certain period of time can be applied. Others include political environment and climate variables. Therefore, with the present invention, the user can face various environmental tests in the virtual environment, thereby learning to approach the real investment method.

According to an embodiment, the online financial education assessment system includes a trading signal analysis servo center capable of processing input signals generated by a plurality of user terminals after logging in to the system, wherein a model signal matching module can introduce one or more signals. The model includes a historical model that provides volatility data for a specific number of historical periods; another system generates a model, and the manager can set one or more volatility data for a specific period of time; there is an instant market model for introducing the real-time market. Fluctuation data; there is an external factor model that can introduce volatility data generated by subjective and objective events such as politics, economy, and climate.

In the trading signal analysis servo center, there is an input signal matching module, which performs a pairing process between a plurality of user terminals, such as a pairing of buying and selling behaviors. If the pairing is successful, a transaction is completed.

After the above matching process, the signal will be adjusted through a variable adjustment module, such as transaction income tax and handling fee in the real market, which will affect the performance of each user in the virtual environment. Finally, the appraisal module evaluates the signals after pairing and variable adjustment according to the evaluation items set by the online financial education evaluation system.

Another embodiment is to provide that each user can play a different role in the entire trading market. First, the online financial education evaluation system performs an initialization process, and provides an initial simulation environment for each user according to the permissions and user data of the plurality of users logging in to the online financial education evaluation system. Then, the system defines the virtual characters of each user in the online financial education evaluation system. After the signal pairing and the matching of the signal models, the evaluation conditions set by the administrator are compared, thereby achieving the teaching purpose.

The invention provides an online financial education teaching evaluation system and method, which mainly uses a computer program to virtualize an investment transaction program, and evaluates one or more users by setting evaluation conditions, trading market environment simulation and manager intervention. The investment performance of this simulated environment.

The second figure shows a schematic diagram of an embodiment of the online financial education evaluation system of the present invention.

A plurality of terminal users 21, such as end users of the numbers 201, 202 to 203, enter the online financial education evaluation system proposed by the present invention via the network 20 using a computer system. In this diagram, the online financial education evaluation system is mainly a trading signal analysis servo center 25, which is a virtual investment environment executed by the computer program, and can input various investment signals to the plurality of terminal users 21 via the network 20. Conduct trading matching and analysis.

In particular, the trading signal analysis servo center 25 will introduce one or more signal models 23, each model mainly carrying market fluctuation data for a certain period of time, and fluctuating the data into the signal input by the terminal user 21 to generate The result 29 is outputted to determine whether the signal can adapt to fluctuations in a certain period of time.

In addition, parameter 27 adjustment can be introduced to adjust the user signals in the trading signal analysis servo center 25 in order to be closer to the real world or to simulate a specific situation. The parameters in the entire analysis system can be adjusted in real time, and the influence range time and start time can be set. If the influence range is in the past, the calculation can be readjusted from the record.

The various signal models introduced above include at least one historical model, one system generation model, one real-time market model, and one external factor model according to the embodiment. For a detailed description, reference may be made to the fifth figure.

In addition to providing an online virtual investment environment, the present invention can analyze and evaluate the signals generated by each user, and then introduce the above-mentioned signal pairing and signal model matching mechanisms to generate expandable, more flexible, and more Learning space online financial education assessment system, this system has the concept of teaching, users can also assign different role tasks, learn in this simulation environment, can also be set by the administrator or the variables of various investment environments, so that Evaluate the investment performance of the user's output, including whether to reach a predetermined evaluation condition. Generally speaking, it can be compared with the market price, the user comparison (profit comparison, volatility comparison), comparison manager The tasks that are determined, such as the profit and the line, the fluctuation range of the points held, or whether the operation process conforms to the real world, or whether it can adapt to the real world.

The third figure further discloses the relationship between the modules in the online financial education evaluation system of the present invention.

The input signal 301 is generated by a plurality of user terminals, and is input to the trading signal analysis servo center 30 via a signal input interface. The user terminal is usually a terminal computer system used by each user, and the trading signal analysis servo center 30 system is shown in the figure. The input signal generated by the plurality of user terminals can be processed by a remote server, and the model signal pairing module 32, the input signal pairing module 34, the variable adjusting module 36 and the rating module 38 are specially provided. After the input signal 301 passes through the signal matching, the model signal pairing, the variable adjustment and the evaluation in the trading signal analysis servo center 30, the result 303 is outputted through the signal output interface, and the operation information of each user terminal over a period of time can be viewed through the result.

The model signal pairing module 32 will introduce one or more signal models 305 to apply data fluctuations contained in each signal model for a period of time to the input signals of the user terminals, thereby simulating a specific trading environment. . The input signal matching module 34 executes a pairing process of input signals of a plurality of user terminals. When the input signal is successfully paired in the module 34, a transaction is completed. After the transaction is completed, the output signal of the transaction is adjusted by the variable adjustment module 36. The variable adjustment module 36 performs one or more variable adjustments on the paired signals, including the cost generated during the transaction, such as The transaction income tax, handling fee, etc. in the real market will affect the performance of each user in the virtual environment. In addition, it may be the change caused by the order change and raw material adjustment faced by each listed company. Next, the rating module 38 compares the evaluation items set by each user when entering the online financial education evaluation system, that is, the evaluation of the paired and variable adjusted signals.

The above-mentioned trading signal analysis servo center 30 further includes a parameter adjustment module, that is, performing instantaneous parameter adjustment for the signals in each module, and adjusting the influence range time, start time, or Recalculate the calculation in the database record.

As shown in the fourth figure, the implementation of the input signal pairing module 34, for example, each user may perform a buying or selling transaction, such as a user performing a "buy" action, and a user performing " "Sell Sell", User 3 executes "Sell" and User 4 performs "Buy". This input signal matching module 34 performs the action matching procedure of each purchase and sale, and buys and sells through price comparison and specific time fluctuations. The behavior will be matched and paired successfully. That is, a transaction is completed, and a paired output 401 is generated.

According to an embodiment of the invention, the above-mentioned trading signal analysis servo center has a model signal pairing module 32, as shown in the fifth embodiment.

The model signal pairing module 32 receives input signals from the user terminals (user 1, user 2, user 3, and user 4, etc.), and then introduces one or more signal patterns (Pattern). The signal model is embedded in the signal generated by the user, which can simulate a certain period of time in a period of time, or add various external factors, or introduce even the market fluctuation data, or even the manager design The condition produces an output 501 to test any investment performed by each user.

In this example, a history model 51 is specifically included, which provides a plurality of historical fluctuation data of a certain period of time, such as fluctuation data of a certain year in history, or a historical event, as shown in each year of the model parameter 503. Single event.

Another system generates a model 53, and the manager can set one or a plurality of fluctuation data of a specific period of time, that is, the model parameter 505 generated by the manager in the figure, thereby testing the user's ability to invest in the virtual situation.

There is an immediate market model 55 that is used to introduce real-time market volatility data, such as real-time stock market or bond market-related volatility (507).

There is another external factor model 57, that is, the introduction of specific events, such as the fluctuation data generated by the subjective and objective events such as political, economic, and climate represented by the model parameter 509, and other such as real-time quotes of goods/products, election polls, and the like.

Through the above various signal models introduced by the above-mentioned invention in the trading signal analysis servo center 30, in addition to various market conditions set by the manager and simulating various subjective and objective factors, the transaction market in a certain period of time can be applied. Historical event models, others include variables such as the political environment and climate. Therefore, the user can face various environmental tests in the virtual environment, thereby learning to approach the real investment method.

Please refer to the flowchart of the online financial education evaluation method of the present invention shown in the sixth figure. The process shows the method steps of the online financial education evaluation system applied to a connected network, and the online financial education evaluation of the connected network. The volume system has a database of user data and one or more signal models.

First, an initialization process is performed, and each user logs in to the system via the network (step S601), and the system provides an initial simulation of each user according to the rights of each user to log in to the online financial education evaluation system and the user data stored in the database. The environment (step S603) includes checking the range of available points of the login user, the amount of the online line and related restrictions, such as the transaction amount of the day, the transaction object, the transaction time, and the like. Then, the system will receive the input signals from the user terminals (step S605). The signals are mainly for buying and selling transaction signals, and the other signals may also include the communication signals generated by various interactive interfaces provided by the system. Next, the system executes a task for each input signal such as buying or selling (step S607), and the task is a transaction corresponding to a time point.

Step S609 shows that the system performs a signal pairing process, and the signal pairing program mainly pairs the signals input by the plurality of user terminals, and if the pairing is successful, the transaction is completed. Refer to the operation of the input signal pairing module shown in the fourth figure above.

Step S611 continues to perform a model matching procedure. Referring to the fifth figure above, the system will introduce one or more signal models 61 to enable the signals in the system to be tested for a specific time by inserting the introduced signal model. The signal generated by the person. In a preferred embodiment, the signal model can be a historical model, another system generating model for the manager to set the volatility data, an immediate market model for introducing real-time market volatility data, and an external factor model for politics, climate, and the like.

After the paired signals, the variable adjustment procedure can be performed (step S613). For example, the transaction income tax and the handling fee in the real market may affect the performance of each user in the virtual environment. The paired and variable-adjusted data is output (step S615). Finally, the matching module evaluates the paired and variable-adjusted signals according to the rating items set by the online financial education evaluation system (step S617). The evaluation result is output again (step S619).

In particular, in the above signal pairing, model matching, variable adjustment and evaluation process, each signal can be adjusted through parameter adjustment 63. During the process, the parameters are adjusted, such as adjusting the time range and the transaction content of each signal. Can be closer to the real world.

Another embodiment of the present invention provides that each user can play different roles in the entire trading market, that is, a plurality of users entering the online financial education evaluation system can respectively assume roles in a system, such as a simulated environment. Investor roles such as buyer roles and seller roles, government roles, central bank roles, various bank roles, etc., allow each user to learn from a variety of perspectives.

At the beginning of the step, each user also logs into the online financial education evaluation system through the Internet (step S701), and then performs an initialization process, and provides various uses according to the rights and user data of the plurality of users logging in to the online financial education evaluation system. An initial simulation environment (step S703).

Next, the system defines each user's virtual role in the online financial education assessment system (step S705), and each role receives different evaluation conditions (step S707), that is, the system assigns different roles to different roles. And penalties, because the various roles will be judged by different data.

Then, each user generates different input signals with different roles (step S709), and is paired by role signals, that is, pairing of signals between a plurality of virtual characters for a plurality of user terminals (step S711), such as pairing of buying and selling. The investors and the bank receive the government's orders, complete the order execution after the pairing, the financial products between the banks, etc., and then different signal models can be applied (step S713). After the model is paired, the various signals are nested in different ways. Fluctuating data, thereby simulating the environment for each user to experience different situations. Finally, the result is output (step S715), and the relative rating procedure is executed according to the different roles.

In summary, the online financial education evaluation system proposed by the present invention is an online financial education teaching system with expandable, more flexible and more learning space, and introduces the concept of teaching, so that the user can simulate the transaction through the computer. Market environment type of investment tools and trading behavior close to the real world.

However, the above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention. Therefore, equivalent structural changes that are made by using the specification and the contents of the present invention are equally included in the present invention. Within the scope, it is combined with Chen Ming.

112. . . Client

114. . . Internet

108. . . Computer center

11. . . Web server

13. . . Investment server

15. . . Instant data server

17. . . Daily database server

19. . . Historical database server

110. . . Storage medium

12. . . Day database

14. . . Historical database

twenty one. . . End user

201,202,203. . . Signal generation

20. . . network

twenty three. . . Signal model

25. . . Trading Signal Analysis Servo Center

27. . . parameter

29. . . Output result

301. . . Input signal

305. . . Signal model

303. . . Output result

307. . . Parameter adjustment

30. . . Trading Signal Analysis Servo Center

32. . . Model signal matching module

34. . . Input signal matching module

36. . . Variable adjustment module

38. . . Rating module

401. . . Paired output

501. . . Output result

51. . . Historical model

53. . . System generation model

55. . . Instant market model

57. . . External factor model

503,505,507,509. . . Model parameter

Step S601～S619 online financial education evaluation method flow

Step S701~S717 online financial education evaluation method flow

The first figure shows a schematic diagram of a conventional technology investment simulation analysis system;

The second figure shows a schematic diagram of the online financial education evaluation system of the present invention;

The third figure shows a schematic diagram of the connection of each module in the online financial education evaluation system of the present invention;

The fourth figure shows a schematic diagram of an input signal pairing module in the online financial education evaluation system of the present invention;

The fifth figure shows a schematic diagram of a model signal matching module in the online financial education evaluation system of the present invention;

The sixth figure shows one of the flowcharts of the online financial education evaluation method of the present invention;

The seventh figure shows the second flow chart of the online financial education evaluation method of the present invention.

301. . . Input signal

305. . . Signal model

303. . . Output result

307. . . Parameter adjustment

30. . . Trading Signal Analysis Servo Center

32. . . Model signal matching module

34. . . Input signal matching module

36. . . Variable adjustment module

38. . . Rating module

Claims (15)

An online financial education evaluation system includes: a signal input interface for receiving an input signal from one or more user terminals, wherein the input signal is from a terminal computer system of each user terminal Generating a signal analysis server, which is implemented by one or more remote servers, and the signal input interface provides the one or more user terminals to log in to the one or more remote servers through a network. The input signal of the plurality of user terminals is processed by the trading signal analysis servo, which comprises: a model signal matching module, which introduces one or more signal models and inserts the input signal into the one or more signals In the model, an input signal matching module performs a pairing process of input signals of the plurality of user terminals; a variable adjustment module performs one or more variable adjustments on the signal after the pairing; The group is based on the evaluation item set by the online financial education evaluation system, and the signal adjusted by the pairing and the variable is evaluated; and a signal output is performed. Surface, the system outputs the result of rating. For example, the online financial education evaluation system described in claim 1, wherein the signal model includes a historical model having a plurality of historical fluctuation data at a specific time period; and a system generating model set for a manager role One or more volatility data for a specific time period; an immediate market model to introduce volatility data for an immediate market; and an external factor model for introducing volatility data generated by a particular event. The online financial education assessment system of claim 1, wherein the plurality of user input signals are successfully paired in the input signal pairing module to complete a transaction. The online financial education assessment system described in claim 3, after completing the transaction, then adjusting the output signal of the transaction through the variable adjustment module, including the cost incurred in the transaction, and then inputting to the The evaluation module is evaluated based on the evaluation project. The online financial education assessment system as described in claim 1 further includes a parameter adjustment module for instantly adjusting the model signal pairing module, the input signal pairing module, the variable adjustment module and The parameters in the evaluation module. An online financial education teaching evaluation method, which uses a networked online financial education evaluation system, which has a database, the method includes: performing an initialization process, and a plurality of terminal computer systems of the user end The online connection of the online financial education assessment system, based on the permissions of a plurality of users logging into the online financial education assessment system and the user data stored in the database, to provide an initial simulation environment for each user; Inputting a signal to each user terminal; performing a task relative to the input signal; performing a signal pairing process to pair the signals input by the plurality of user terminals; performing a model matching procedure, introducing one or more The signal model is in the online financial education evaluation system, so that the signal in the system is inserted into the signal model in a specific time; the result of each user end is output; and the result is evaluated. For example, the online financial education evaluation method described in claim 6 wherein the task is a transaction corresponding to a time point, and in the signal pairing process, if the pairing is successful, the transaction is completed. For example, the online wealth management teaching evaluation method described in claim 6 wherein the signal model is a historical model having a plurality of historical fluctuation data at a specific time period. For example, the online financial education evaluation method described in claim 6 is wherein the signal model is a system generation model, and the fluctuation data set for one or a plurality of specific time periods for a manager role. For example, the method for assessing online financial education described in claim 6 wherein the signal model is an instant market model for introducing an instantaneous market fluctuation data. For example, the online financial education evaluation method described in claim 6 wherein the signal model is an external factor model for introducing fluctuation data generated by a specific event. An online financial education teaching evaluation method, which is applied to a online financial education teaching evaluation system of a connected network, comprising: performing an initialization process, and privilege and user according to a plurality of users logging in to the online financial education evaluation system Data, providing each user with an initial simulation environment; defining each user's virtual role in the online financial education assessment system; receiving the evaluation conditions set by a manager; receiving input signals from each user and executing Relative to the task of the input signal, the task is a transaction behavior corresponding to a time point; performing a signal pairing process for pairing the signals input by the plurality of user terminals, including pairing of signals between the plurality of virtual characters After a period of operation, output the results of each user end; and evaluate the result. The online financial education evaluation method according to claim 12, wherein the virtual character comprises at least a virtual buyer role and a seller role by each user end. For example, in the online financial teaching evaluation method described in claim 12, after the step of executing the signal pairing procedure, a model matching procedure is executed, and one or more signal models are introduced in the online financial teaching evaluation system. The signal in the system for a specific time is nested in the signal model. For example, the online financial education evaluation method described in claim 14 wherein the signal model includes a historical model having a plurality of historical fluctuation data at a specific time period; a system generating model set for a manager role One or more volatility data for a specific time period; an immediate market model to introduce volatility data for an immediate market; and an external factor model for introducing volatility data generated by a particular event.