JP2004062808A - System and method for processing investment trust order - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a customer to purchase/sell investment trust on a desired condition without monitoring market rates such as reference prices of investment trust. <P>SOLUTION: When open order data including the difference of purchase/sale, investment trust to be a target of purchase/sale, an agreement-scheduled date after the next business day of a fixed date, purchase/sale numerical quantities and agreement conditions are inputted to an automatic transaction terminal 12 (S102), the open order data are stored in an open order database 10a (S106). Purchase/sale data are generated on the basis of the open order data satisfying the agreement condition on the previous business day of an agreement-scheduled date (S122), and a transaction execution instruction is carried out on the agreement-scheduled date on the basis of the purchase/sale data (S132). After the agreement, a host computer 18 makes payment by account debit/deposit (S136). <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to an investment trust order processing system and method for processing an investment trust purchase / sale order at a financial institution such as a bank.
[0002]
[Prior art]
In an investment trust, the investment company invests in securities such as stocks and bonds based on the investment from the investor and returns the investment profit to the investor. In such investment trusts, the management of funds is entrusted to specialists such as stocks, so that general customers who are unfamiliar with investing in stocks and the like are widely used as means for managing their assets. Particularly recently, investment trusts have become more accessible to general customers because they can purchase and sell investment trusts not only at securities companies but also at bank counters.
[0003]
[Problems to be solved by the invention]
By the way, the transaction unit price when the customer purchases / sells the investment trust is determined based on the base value of the investment trust in the night of the trade day or the next day. Therefore, the transaction unit price is not fixed at the time of execution of the normal transaction, and the customer must place an order to purchase / sell the investment trust without knowing the exact transaction unit price.
[0004]
The daily base price of each issue of the investment trust is published in the stock column of newspapers. Therefore, it is possible for a customer to purchase / sell an investment trust at a price close to his / her desire by checking the base price in a newspaper every day. However, it is troublesome for a busy customer or a customer who is unfamiliar with investment such as stocks to check the reference value of the investment trust in a newspaper or the like. In addition, there are also problems on the bank side that customers frequently inquire of the bank that sells investment trusts about the base value, and that the response reduces the efficiency of operations at the bank.
[0005]
The present invention has been made in view of the above points, and it is an object of the present invention to enable a customer to purchase / sell an investment trust under desired conditions without monitoring a market price such as a reference value of the investment trust. I do.
[0006]
[Means for Solving the Problems]
To achieve the above object, the present invention is a system for processing an investment trust purchase / sale order from a customer at a financial institution, comprising:
Order data receiving means for receiving pre-order data including purchase / sale, investment trust to be purchased / sold, scheduled execution date, purchase / sale quantity, and execution conditions;
Order data recording means for recording the received reservation order data in a database,
Out of the pre-order data recorded in the database, based on the pre-order data that satisfies the execution condition, output transaction instruction data for instructing the purchase / sale of the investment trust on the scheduled execution date. And execution instruction means for performing the operation.
[0007]
According to the present invention, a transaction instruction for instructing purchase / sale of an investment trust on the scheduled date on the scheduled date when the scheduled conditions are satisfied with respect to the scheduled order date and the pre-order data including the terms and conditions. By outputting the data, purchase / sale of the investment trust is executed. For this reason, a customer who intends to purchase / sell an investment trust must purchase / sell the investment trust under the desired conditions by making a reservation application specifying the desired execution date and the desired execution conditions. Can be. Therefore, according to the present invention, it is possible for a customer to purchase / sell an investment trust under desired conditions without monitoring a market price of the investment trust or the like.
[0008]
Investment trusts are traded at a transaction unit price based on the base price. On the other hand, there are investment trusts that aim to operate in tandem with various indexes such as the Nikkei 225 Index and those that invest in foreign stocks. The transaction unit price of such investment trusts depends on the applicable index and exchange rate. Also works with. Therefore, the contract condition may be a condition for at least one of a base value, an index, and an exchange rate of the investment trust on the business day before the scheduled contract date.
[0009]
In addition, if the scheduled execution date can be specified by either a date or a period, for example, even if an order cannot be made due to absence or the like for a long period of time, by specifying the scheduled execution date by a period, The investment trust can be purchased / sold if the terms and conditions are met within that period.
[0010]
In the present invention, among the pre-order data recorded in the database, the pre-order data satisfying the contract condition or the pre-order data determined not to satisfy the contract condition, May be provided with means for generating notification data for notifying the customer who is the orderer of the contract execution or failure. By doing so, for example, the notification data is sent to the customer by e-mail, or displayed on the WEB screen for the customer, thereby notifying the customer of the result of execution / non-execution of the pre-order. can do.
[0011]
Further, in the present invention, a host computer for managing an account of the financial institution for issuing an account debit or account deposit instruction for performing settlement of purchase / sale executed in accordance with the transaction instruction data output by the execution instruction means. It is also possible to provide a means for transmitting to. In this way, the payment for the purchase / sale of the investment trust can be automatically performed by debiting or depositing the account.
[0012]
Further, in the present invention, the execution instruction means may include means for creating notification data for notifying a customer who is the orderer of a contract with respect to the pre-order data output from the transaction instruction data.
[0013]
Further, in the present invention, there is provided means for acquiring data representing a customer's preference for investment in an investment trust, and for the reservation order data as a purchase order, the investment trust to be ordered is an orderer of the reservation order data. A unit that outputs a predetermined warning message when the investment preference of a certain customer is not met may be provided. In this way, it is possible to prevent a customer from purchasing an investment trust that does not match the investment preference.
[0014]
Further, in the present invention, the order data receiving means may receive the reservation order data input by a customer who is an orderer from a terminal installed in a branch of the financial institution. By doing so, the customer himself / herself inputs the reservation order data at the terminal, so that the administrative burden on the financial institution can be reduced.
[0015]
Alternatively, the order data obtaining means may receive the pre-order data from the terminal of the customer who is the orderer via the Internet. In this way, the customer can input the pre-order data without going to the financial institution.
[0016]
BEST MODE FOR CARRYING OUT THE INVENTION
FIG. 1 is an overall configuration diagram of a system according to an embodiment of the present invention. The system according to the present embodiment processes an order for purchase / sale of an investment trust from a customer at a financial institution such as a bank. As shown in the figure, the investment trust automatic transaction computer 10 and the investment trust sales computer 14 are connected to each other. Have.
[0017]
The investment trust window sales computer 14 is a computer system for processing purchase / sale orders of investment trusts received at the financial institution window on the day of the contract. The counter sales terminal computer 14 is connected to a counter sales terminal 16 installed in each branch of the financial institution and a host computer 18. The investment trust window sales computer 14 outputs data for instructing the investment trust company to purchase / sell an investment trust based on the order data input at the counter sales terminal 16 and executes the data on the host computer 18. The user issues an account settlement instruction for the purchased purchase / order.
[0018]
The host computer 18 is a computer system for managing accounts of a financial institution, and manages deposit / withdrawal of each account, customer number, address, name, etc. of each customer. A center computer 20 is connected to the host computer 18. The center computer 20 includes a center printer 20a, and prints a notice for notifying the customer that the purchase / sale order of the investment trust has been executed in accordance with an instruction from the host computer 18.
[0019]
The investment trust window sales computer 14 is provided with an investment trust transaction database 14a. In the investment trust transaction database 14a, the characteristics of the investment trust for each issue are recorded, and the customer number and investment preference (high-risk high-return investment) Or preference for solid investment). In response to an inquiry from the counter sales terminal 16, the investment trust counter sales computer 14 presents an investment trust that matches the customer's preference, or determines whether the investment trust that has been ordered for purchase matches the customer's preference. Can be presented. For example, if the investment risk of the investment trust is represented by a numerical value of 1 to 5 (the larger the numerical value, the higher the risk), if the customer prefers a solid investment, the investment trust of the purchase order If the investment risk is 3 or more, it is determined that the investment risk does not match the customer's preference.
[0020]
The above-mentioned investment trust window sales computer 14 and the automatic transaction terminal 12 provided in each branch are connected to the investment trust automatic transaction computer 10. As will be described in detail later, the investment trust automatic transaction computer 10 inputs the order data of purchase / sale of the investment trust specifying the contract condition (hereinafter, the order data specifying such a contract condition) input at the automatic transaction terminal 12. The data is referred to as pre-order data), and if the contract condition specified in the order is satisfied, purchase / sale data is generated and transmitted to the investment trust sales computer 14. Note that the investment trust automatic transaction computer 10 is connected to the Internet 24, and as described later, can transmit a mail for notifying the establishment or non-establishment of a contract to the customer via the Internet 24.
[0021]
The investment trust automatic transaction computer 10 is provided with a reservation order database 10a. The pre-order data input by the automatic transaction terminal 12 and transmitted to the investment trust automatic transaction computer 10 is stored in the pre-order database 10a.
[0022]
FIG. 2 shows the structure of the pre-order data. As shown in the figure, the pre-order data includes the customer number of the orderer, purchase / sale, fund code of the investment trust to be purchased / sold, scheduled execution date, execution conditions, purchase / sale quantity (Amount or number of units), and a contact e-mail address.
[0023]
The contract conditions can specify that the base value of the mutual fund, various indices available from the market, or the exchange rate is above or below a certain value. For example, the contract condition can be designated as "base price 9900 yen or less", "Nikkei 225 Index 10500 yen or more", "1 dollar 110 yen or less", and the like. Then, as will be described later, when the base price, index, or exchange rate on the business day before the scheduled execution date satisfies the execution conditions, the purchase / sale data is transmitted to the investment trust window sales computer 14 so that the investment The trust is purchased / sold.
[0024]
As the planned purchase / sale date, not only a specific date but also a period having a range such as “August 10 to August 20” can be designated. The e-mail address is not an indispensable item. When an e-mail address is included, as described later, the result of execution / non-establishment of a contract is notified to the address.
[0025]
By the way, there are various types of investment trusts depending on the purpose of establishment and investment targets. FIG. 3 shows the contents of three typical types of investment trusts A to C as examples of investment trusts.
[0026]
Investment trust A is an investment trust managed with the aim of establishing an investment performance linked to the Nikkei Stock Average (Nikkei 225) index and investing in Japanese stocks. The calculation of the transaction unit price is performed at night on the trade day.
[0027]
Investment trust B is an investment trust that aims to secure high-level interest and other income and pursue higher prices, and invests in high-yield business bonds denominated in US dollars. The calculation of the transaction unit price is performed at night on the business day following the contract day.
[0028]
Mutual Fund C was established with the aim of long-term growth by investing in diversified investments in equities around the world using a yen-hedge-based index called the “MSCI World Index” as a benchmark. Is an investment trust that invests in stocks from around the world, including. The calculation of the transaction unit price is performed at night on the business day following the contract day.
[0029]
As described above, since the calculation of the transaction unit price of the investment trust is performed on the day of the trade day or the night of the next business day, the transaction unit price is undetermined at the time of ordering. Also, as described above, since the base price of each issue of the investment trust is published in newspapers, etc., monitoring the base price every day in newspapers, etc., makes it possible to purchase / sell the investment trust at a price close to the desired price. While possible, busy customers and those unfamiliar with investing may find it difficult to check the base price in newspapers.
[0030]
On the other hand, in the present embodiment, for the investment trust that the customer wishes to purchase / sell, a reservation order specifying the scheduled execution date and the base price or the like on the preceding business day as the execution condition is made, If the contract condition is satisfied on the business day before the scheduled date, the purchase / sale can be automatically executed on the scheduled date.
[0031]
In the case of investment trusts that aim to be linked to a specific index, such as the above-mentioned investment trusts A and C, the base price also changes in conjunction with the corresponding index. In addition, as for investment trust B and investment trust C, for which foreign stocks are to be invested, the base price is linked to the exchange rate. Therefore, in the present embodiment, as described above, in addition to the base price, various indexes and exchange rates can be designated as the contract conditions.
[0032]
In addition, not only the contract condition is specified by one of the base price, the index, and the exchange rate, but also the contract condition by a logical product (AND) or a logical sum (OR) of two or more of these conditions. May be specified.
[0033]
Hereinafter, a process performed when a customer places a reservation order for purchase / sale of an investment trust will be described in detail with reference to FIG.
As shown in FIG. 4, a customer who intends to make a reservation application for purchase / sale of an investment trust informs a counter in charge of the purchase / sale order by visiting a bank office or by telephone. The contact person inputs the pre-order data from the automatic transaction terminal 12 (S100). Alternatively, the customer may operate the automatic transaction terminal 12 to input the pre-order data, or may input the pre-order data from the customer terminal accessing the investment trust automatic transaction computer 10 via the Internet 24. It may be. When the customer himself / herself inputs the reservation order data, a password may be issued to each customer in advance, and the user may be required to input the password, thereby performing personal authentication.
[0034]
The pre-order data input to the automatic transaction terminal 12 is transmitted to the investment trust automatic transaction computer 10 (S102). The investment trust automatic transaction computer 10 determines whether the reservation order data is a purchase order or a sale order (S104), and if it is a sale order, records the reservation order data in the reservation order database 10a (S106). . On the other hand, if the reservation order data is a purchase order, the investment trust automatic transaction computer 10 inquires of the investment trust window sales computer 14 about the investment preferences of the customer (S108). In response to the inquiry, the investment trust window sales computer 14 reads the investment preference data of the corresponding customer from the investment trust transaction database 14a and notifies the investment trust automatic transaction computer 10 (S110). The investment trust automatic transaction computer 10 determines whether or not the brand of the investment trust that is the target of the purchase order matches the preference of the customer based on the notified investment preference data (S112). As a result, if it does not match the customer's preference, an alarm message to that effect is transmitted to the automatic transaction terminal 12 (S114). On the other hand, if the brand ordered for purchase matches the customer's preference, the pre-order data is recorded in the pre-order database 10a in S106.
[0035]
In the above example, when the pre-order data is input at the automatic transaction terminal 12, an alarm message is transmitted to the automatic transaction terminal 12 when the purchase brand specified by the pre-order data does not match the customer's preference. However, the present invention is not limited to this, and when a customer number is input in the automatic transaction terminal 12, an investment trust that matches the preference of the corresponding customer may be presented as a candidate brand.
[0036]
The computer of the investment trust window sales computer 14 receives data such as the base price, various indexes, exchange rates, etc. of each issue of the investment trust on that day every night from, for example, a system in a financial institution. The investment trust window sales computer 14 notifies these data to the investment trust automatic transaction computer 10 (S118).
[0037]
The investment trust automatic transaction computer 10 determines that the next business day of the reservation order data recorded in the reservation order database 10a is the scheduled execution date, and that the reference price, index, or exchange rate notified from the investment trust window sales computer 14 is used. Extracts data satisfying the contract condition (S120). Based on the pre-order data thus extracted, purchase / sale data is created, the pre-order data is deleted from the pre-order database 10a (S122), and the created purchase / sale data is transmitted to the investment trust sales computer 14 (S122). S124). If the pre-order data includes a contact e-mail address, then on the next business day (that is, the day of the execution date), the contents of the execution conditions and the execution conditions specified in the pre-order data are addressed to the e-mail address. Is transmitted, and a notification mail including the contract date is transmitted (S126).
[0038]
In addition, the investment trust automatic transaction computer 10 sets the pre-order data for which the contract condition is not satisfied (that is, if the contract condition is not satisfied on that day and the scheduled contract date is specified by date, the next business day is If the scheduled execution date is specified by a period, the pre-order data for which the next business day has passed the last day of the period is deleted from the pre-order database 10a (S128), and If the data includes a contact e-mail address, a notification e-mail containing the contents of the contract condition, the scheduled contract date, and the fact that the contract has not been established is sent to the e-mail address on the following business day ( S130).
[0039]
In the above description, the notification of the execution / non-establishment of contracts is given by e-mail. However, the present invention is not limited to this, and the result of execution / non-establishment of contracts is displayed on a dedicated WEB page screen prepared individually for each customer. Then, the customer may be notified of the contract establishment / non-establishment by accessing this WEB page.
[0040]
The above is the processing when the pre-order data is inputted from the automatic transaction terminal 12. When the purchase / sale order of the investment trust is made on the day of the trade at the bank counter, the counter sales terminal 16 transmits the investment trust counter. The purchase / sale data is transmitted directly to the sales computer 14.
[0041]
The investment trust window sales computer 14 that has received the purchase / sale data from the investment trust automatic transaction computer 10 or the counter sales terminal 16 instructs the system of the department in charge of the investment trust in the financial institution to execute the purchase / sale transaction (S132). Based on this instruction, the investment trust transaction department orders the investment trust company to purchase / sell the investment trust. Then, when the investment trust transaction department receives a notice of the contract contents (contract brand, contract amount, contract number, etc.) from the investment trust company, contract data representing the contents is transmitted to the investment trust window sales computer 14. The investment trust window sales computer 14 creates withdrawal / payment data for performing account settlement for the contracted transaction based on the contract data (S134) and transmits it to the host computer 18 (S136). The host computer 18 performs settlement processing by debiting (in the case of purchase) or depositing (in the case of sale) from the account of the customer who is the orderer based on the debit / payment data, and the address and name of the customer. And the like are notified to the investment trust counter sales computer 14 (S138).
[0042]
The investment trust window sales computer 14 matches the customer's address and name received from the host computer 18 with the corresponding purchase / sale data to create data for printing a notice (S140), and stores this data in the host computer. The data is transmitted to the center computer 20 via the server 18 (S142). The center computer 20 prints out a contract notice using the center printer 20a based on the transmitted data (S144). The printed execution notice is mailed to the customer who is the orderer.
[0043]
As described above, according to the present embodiment, if a customer who wants to purchase / sell an investment trust registers desired execution conditions as pre-order data, the customer can purchase the investment trust immediately before the execution date (that is, the execution date). If the contract conditions are met on the previous business day, the transaction will be automatically executed. Therefore, as described below, various advantages are obtained for both the customer and the bank.
[0044]
(1) Benefits to customers (1) Customers can conduct transactions on their own terms without omission, without monitoring the market price of investment trusts, such as the base value, and are thus free from the burden of monitoring market prices. Will be done.
(2) The contract conditions can be specified not only with the investment trust base value, but also with various index indices and exchange rates. Therefore, in the case of investment trusts that operate in tandem with indexes or investment trusts that invest in foreign bonds, In addition, various contract conditions can be set according to the characteristics of such investment trusts.
(3) Previously, an order to buy / sell an investment trust had to be made only on the day of the trade, so if the customer does not wish to make a contract, for example, on a business trip, the desired date Could not be purchased / sold. On the other hand, in the present embodiment, the scheduled execution date can be specified. Therefore, even if the customer is not present on the desired execution date, the investment trust is purchased / sold in advance and the investment trust is reserved on the scheduled execution date. Can be purchased / sold. In addition, since you can specify a period as well as a date as the desired contract date, even if you can not place an order due to a long absence, you can specify the absence period as the desired contract date and purchase within that period / Sale can be made.
{Circle around (4)} If the customer can operate the automatic transaction terminal 12 himself, he can freely place a reservation order without hesitation by the person in charge of the counter. Also, if the pre-order data can be input via the Internet, it is possible to make a pre-order using a computer at home or a portable terminal (such as a mobile phone or PDA) from home without going to a financial institution. it can.
[0045]
(2) Benefits for banks (1) Conventionally, customers had to monitor market prices such as base prices, so many inquiries from customers to banks about base prices, etc., and the bank's business burden for responding to such inquiries was large. Was. On the other hand, according to the present embodiment, as described above, the customer is released from the market monitoring burden, and accordingly, the number of inquiries to the bank is reduced, so that the administrative burden on the bank is reduced.
{Circle around (2)} Orders from customers may concentrate at a certain time, for example, when purchase orders increase during the bonus period. On the other hand, according to the present embodiment, since the customer can make a pre-order before the execution date, the order time is more diversified than before, so that the work of the bank can be leveled.
{Circle around (3)} If the customer can operate the automatic transaction terminal 12 himself, the amount of office work at the bank counter is reduced accordingly, so that the office work can be streamlined.
[0046]
In the above embodiment, assuming an existing investment trust transaction system that accepts purchase / sale orders on the trade day, by adding the investment trust automatic transaction computer 10 and the automatic transaction terminal 12 to the investment trust counter sales computer 14, It is configured to be able to respond to pre-orders before the trade day. However, the present invention is not limited to this, and a configuration may be adopted in which the investment trust automatic transaction computer 10 and the investment trust window sales computer 14 are integrated.
[0047]
【The invention's effect】
ADVANTAGE OF THE INVENTION According to this invention, a customer can purchase / sell an investment trust on desired conditions, without monitoring the market value, such as a reference value of an investment trust.
[Brief description of the drawings]
FIG. 1 is an overall configuration diagram of a system according to an embodiment of the present invention.
FIG. 2 is a diagram showing a configuration of pre-order data.
FIG. 3 is a diagram showing an example of an investment trust.
FIG. 4 is a diagram showing a flow of processing when a customer places a reservation order for purchase / sale of an investment trust.
[Explanation of symbols]
REFERENCE SIGNS LIST 10 investment trust automatic transaction computer 10a reservation order database 12 automatic transaction terminal 14 investment trust window sales computer 14a investment trust transaction database 16 window sales terminal 18 host computer 20 center computer 20a center printer 24 internet

Claims (13)

A system for processing an investment trust purchase / sale order from a customer at a financial institution,
Order data receiving means for receiving pre-order data including purchase / sale, investment trust to be purchased / sold, scheduled execution date, purchase / sale quantity, and execution conditions;
Order data recording means for recording the received reservation order data in a database,
Out of the pre-order data recorded in the database, based on the pre-order data that satisfies the execution condition, output transaction instruction data for instructing the purchase / sale of the investment trust on the scheduled execution date. And an execution instruction means for performing the operation. 2. The investment trust order processing system according to claim 1, wherein the contract condition is a condition regarding at least one of a base value, an index, and an exchange rate of the investment trust on a business day before the scheduled contract date. And the system. 3. The investment trust order processing system according to claim 1, wherein said scheduled execution date can be specified by either a date or a period. 4. The investment trust order processing system according to claim 1, wherein, among the pre-order data recorded in the database, the pre-order data satisfying the contract condition or the pre-order data satisfying the contract condition. A system comprising means for creating notification data for notifying a customer who is the orderer of the pre-order data of the pre-order data that has been confirmed not to be executed as to whether or not the contract has been executed. 5. The investment trust order processing system according to claim 1, wherein an account withdrawal or account payment for performing settlement of purchase / sale executed in accordance with the transaction instruction data output by the execution instruction unit. 6. A means for transmitting the instruction to the host computer that manages the account of the financial institution. 6. The investment trust order processing system according to any one of claims 1 to 5, wherein the execution instruction means notifies the orderer customer of a contract with respect to the pre-order data output from the transaction instruction data. A system comprising means for creating book data. The investment trust order processing system according to any one of claims 1 to 6, further comprising: means for acquiring data indicating a customer's preference for investment in the investment trust, wherein the reservation order data, which is a purchase order, is ordered. A system comprising means for outputting a predetermined warning message when a target investment trust does not conform to the investment preference of a customer who is the orderer of the reservation order data. 8. The investment trust order processing system according to any one of claims 1 to 7, wherein the order data receiving unit is configured to input the reservation entered by a customer who is an orderer from a terminal installed in a branch of the financial institution. A system for receiving order data. The investment trust order processing system according to any one of claims 1 to 7, wherein the order data receiving means receives the pre-order data from a terminal of a customer who is an orderer via the Internet. system. A method of processing a mutual fund purchase / sale order at a financial institution, wherein the computer comprises:
Order data receiving step for receiving reservation order data including purchase / sale, investment trust to be purchased / sold, scheduled execution date, purchase / sale quantity, and execution conditions;
Order data recording step of recording the received reservation order data in a database,
Out of the pre-order data recorded in the database, based on the pre-order data that satisfies the execution condition, output transaction instruction data for instructing the purchase / sale of the investment trust on the scheduled execution date. And instructing execution. 11. The investment trust order processing method according to claim 10, wherein the computer determines that, among the pre-order data recorded in the database, the pre-order data that satisfies the contract condition or that the contract condition is not satisfied. A method for executing a step of generating notification data for notifying a customer who is the orderer of the pre-order data of the pre-order data that the contract has been executed or not. 12. The investment trust order processing method according to claim 10, wherein the computer issues an instruction for direct debit or account deposit for performing settlement of purchase / sale executed in accordance with the transaction instruction data output in the execution instruction step. Transmitting the account of the financial institution to a host computer managing the account of the financial institution. 13. The investment trust order processing method according to any one of claims 10 to 12, wherein the computer notifies a customer who is an orderer of a contract with respect to the pre-order data that output the transaction instruction data in the execution instruction step. Performing a step of creating letter data for the method.

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