JP2006031589A - Securities sales transaction system, method therefor and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a securities sales transaction system allowing a customer to perform a sales transaction of a securities and a fund transaction accompanying it on-line without taking trouble, and to provide a method therefor. <P>SOLUTION: When the customer performs a sales order by a customer terminal device 10 by use of a sales instruction input screen, a sales process for the securities is executed by a sales processing means 21 of a securities company server 20 through an intermediary agent server 30, and a fund settlement process to a customer account DB 51, and an intermediary agent account DB 27 or a securities company account DB 52 is performed by a customer account depositing/dispensing processing means 39 of the intermediary agent server 30, and an intermediary agent account depositing/dispensing processing means 23 of the securities company server 20 or a securities company account depositing/dispensing processing means 40 of the intermediary agent server 30. The fund settlement process to the customer account DB 26 can be performed by a customer account depositing/dispensing complementary processing means 22. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a securities trading system and method and a program for a customer to trade securities online, for example, online trading of securities using a financial institution such as a bank as an intermediary. It can be used when performing.

  In general, when a customer purchases securities by consigning to a securities company, the customer pays the purchase price (in the case of margin transactions, a security deposit) to the bank by a predetermined date. It must be transferred to the account of an established securities company or prepared in your own account established at the securities company.

  When doing this, customers rarely have large amounts of cash that can be used freely in their own accounts established at securities companies. In many cases, cash is withdrawn from an account, and the cash withdrawn is transferred to an account of a securities company or deposited into an own account established at a securities company. Of course, these procedures may be direct transfers between accounts or deposit procedures.

  Therefore, securities transactions such as ordering, execution, and delivery are performed between the customer and the securities company, and the securities balance is managed by the securities company. In many cases, the balance of funds provided for securities trading is mainly managed by banks.

  On the other hand, the brokerage business that mediates trading orders of stocks, etc., has recently been lifted by companies and individuals who have contracted with brokerage firms and brokerage brokerage of stocks, etc. (See Non-Patent Document 1, etc.).

Yomiuri Shimbun Group Co., Ltd., “Securities brokerage, banned by banks ... Financial Approval Approved”, [online], December 19, 2003, Yomiuri Shimbun website, [Search June 21, 2004], Internet <URL : HYPERLINK http://www.yomiuri.co.jp/ http://www.yomiuri.co.jp/atmoney/ynews/20031219ib26.htm>

  By the way, as described above, when a customer purchases securities by entrusting to a securities company, the purchase price is transferred to an account of a securities company established in the bank by a predetermined date, or It is troublesome for customers to prepare for their own accounts opened at securities companies. In other words, in addition to processing securities buying and selling orders to securities companies, for purchases from their own account established at a bank to their own account established at a securities company account or a securities company The procedure to move the funds must be done. That is, the trouble that the securities transaction and the accompanying money transaction must be performed as separate procedures arises.

  Therefore, if the above securities transaction and the accompanying money transaction can be performed together, it is possible to reduce the trouble of the customer's procedure, which is convenient. In addition, as mentioned above, the brokerage business will also be lifted by the bank itself, so if an online system that includes a securities brokerage company such as a bank can be established, it will be possible to further reduce the time and effort of the customer. become.

  SUMMARY OF THE INVENTION An object of the present invention is to provide a securities trading system, a method thereof, and a program in which a customer can perform trading transactions of securities and fund transactions associated therewith online without taking time and effort. is there.

  The present invention achieves the above object by installing a broker server between the customer terminal device and the brokerage server, and processing securities transaction transactions and fund settlement associated therewith by the brokerage server and the broker server. It is something to try.

  Specifically, the securities trading system according to the present invention includes a securities company server that is operated and managed by a securities company and performs processing related to the buying and selling of securities based on customer orders, and an intermediary that mediates between the customer and the securities company. It has a customer terminal device and a securities company server which are operated and managed by a broker and operated by a customer to perform brokerage processing, and a broker server connected to each other via a network. Using an input screen transmitting means for transmitting information for displaying a trade instruction input screen for performing instructions related to trade including orders to a customer terminal device via a network, and a trade instruction input screen transmitted by the input screen transmitting means Trading instruction information receiving means for receiving trading instruction information input by a customer from a customer terminal device via a network, and Trading agency that creates trading agency information necessary for processing related to trading of securities by the securities company server based on the trading instruction information received by the buying instruction information receiving means, and transmits this trading agency information to the securities company server via the network Based on the information transmission means and the fixed sale price or purchase price included in the trading result information transmitted from the securities company server via the network or other fixed price information calculated according to these prices, A customer account that performs a settlement process that includes depositing or transferring at least a portion of the sales proceeds to the customer account database for data management of the customer's account or a withdrawal processing of at least a portion of the purchase proceeds from the customer account database. The brokerage server is configured to include the deposit / withdrawal processing means, and the brokerage server transmits the brokerage agent information by the trading agent information transmitting means. Trading processing means for performing trading processing of securities based on trading brokerage information transmitted from the network via the network, and the sale price or purchase price determined by performing trading processing by this trading processing means or these Based on other fixed amount information calculated according to the amount, transfer or transfer processing of the sale price to the broker account database for data management of the broker's account or withdrawal of the purchase price from the broker account database Brokerage account deposit / withdrawal processing means for performing settlement processing including money processing, and trading result information transmitting means for transmitting trading result information including the confirmed selling price or buying price to the broker server via the network In the case of a sell order, the customer account deposit / withdrawal processing means of the broker server is included in the buy / sell instruction information or the buy / sell result information. Data management of customer accounts opened in brokers using as key the customer account identification information stored in the customer account identification information stored in the customer specified account storage means specified in advance by the customer and connected to the broker server Searching the customer account database for payment, updating the data of the corresponding customer's account data, including payment processing including at least a part of the sales proceeds to the customer account database, or in the system of the merchant other than the broker Payment processing including remittance processing via the network of at least a part of the sale price to the customer account database for data management of customer accounts opened to merchants other than intermediaries by sending customer account identification information The customer included in the purchase instruction information or the sale result information in the case of a purchase order after performing at least one of the settlement processing Customer for data management of customer's account opened in the broker using the customer account identification information stored in the customer identification account storage means specified in advance by the customer and connected to the broker server as a key It is configured to perform settlement processing including withdrawal processing of at least a part of the purchase price from the customer account database by searching the account database and updating the data of the corresponding customer's account. In the case of a sell order, the account deposit / withdrawal processing means is stored in the broker specified account storage means connected in advance to the brokerage company server, which is designated in advance by the broker account identification information included in the brokerage transaction information or by the broker. The broker account database for managing the data of brokerage accounts established at securities firms using broker account identification information as a key. Search processing and settlement processing including payment processing of the sales price to the broker account database by updating the data of the corresponding broker account, to the broker by sending broker account identification information to the broker server Settlement processing including remittance processing through a network of sales proceeds to a broker account database for data management of an opened broker account, or send broker account identification information to a system of a broker other than the broker At least one of the settlement processes including the remittance process through the network of the sale price to the broker account database for data management of the broker account opened by the broker other than the broker In the case of a buy order, a brokerage company specified in advance by the broker account identification information included in the brokerage information or the broker Using the broker account identification information stored in the broker specified account storage means connected to the server as a key, search the broker account database for data management of the broker account opened in the securities company The present invention is characterized in that it is configured to perform a settlement process including a withdrawal process of a purchase price from the broker account database by updating the broker account data.

  Here, the “broker” is mainly a bank, but may be a securities company other than a securities company that performs trading processing based on customer orders (for example, a securities company that has a partnership with a securities company that performs trading processing). Alternatively, it is not limited to a financial institution, and may be a company, an organization, a public institution, or the like. The same applies to the following inventions. The same applies to the case of a “trader other than the broker”.

  The “network” includes, for example, the Internet, an intranet, an extranet, a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), or a combination thereof. Various types are included, whether wired or wireless, or mixed wired and wireless, in short, to some extent between multiple points (regardless of length of distance). As long as the information can be transmitted at a speed as high as possible. The same applies to the following inventions.

  In addition, the “instructions relating to trading including trading orders” include, for example, instructions on the classification of trading, brands of securities to be sold or purchased, trading quantities, etc., that is, instructions on trading orders. Accounts for deposits or remittances (accounts opened by brokers or brokerage firms, or accounts opened by brokers other than brokers), and withdrawal accounts for debiting purchases (customers) May be specified, or the specified amount of money for each specified account and the setting of the priority order may be included. The “buying and selling instruction information” is information of the “instruction regarding buying and selling including a buying and selling order”. In addition, if the account for deposit or remittance and account for withdrawal when trading through an intermediary is specified in advance in the contract etc., and the account is not specified every time the customer accesses, “Instructions relating to buying and selling including buying and selling orders” do not include designation of an account for deposit or remittance or an account for withdrawal. The same applies to the following inventions.

  Furthermore, “settlement processing including deposit processing”, “settlement processing including remittance processing”, and “settlement processing including withdrawal processing” include deposit / withdrawal processing of selling price and purchase price, for example, , Processing of brokerage commissions paid by customers to brokerage firms (which may be considered brokerages and brokers), taxes (consumption tax, withholding of profits on sale of securities, etc.), brokerage commissions paid by brokerages to brokerages, etc. It may be included. The same applies to the following inventions.

  And “at least part of the sale price” and “at least part of the purchase price” for “customer account deposit / withdrawal processing means” do not necessarily perform the settlement process for the entire amount of the sale price or purchase price. It is not necessary to have a configuration that cannot be used, and it is also possible to perform a settlement process for a part of the sale price or purchase price, and the customer uses his / her own account opened at a securities company. In this way, the payment process may be performed. However, for example, depending on the selection of the account for settlement processing at the time of each order by the customer, as a result, only the account opened at the securities company is used for settlement processing, and the account opened at the broker is not used at all. Even if a transaction happens to happen, this does not mean that the above "at least part" condition is not satisfied. In short, all transactions always satisfy the "at least part" condition. In the case of a sell order, it is possible to perform a settlement process including a deposit or remittance process to a customer's account opened at a broker or a broker other than the broker. Often, in the case of a purchase order, it is only necessary to be able to perform a settlement process including a withdrawal process from a customer's account established by an intermediary. The same applies to the following inventions.

  In addition, in the settlement process by the customer account deposit / withdrawal processing means of the broker server and the broker account deposit / withdrawal processing means of the brokerage server, “confirmed sale or purchase price or other calculated according to these amounts” "Based on the fixed amount information of", in addition to the fixed sale price or purchase price, the customer may be considered to be a securities company (a securities company and an intermediary). )) May be included in the fixed amount information on brokerage fees, taxes (consumption tax, withholding on the gain on sale of securities, etc.), brokerage fees paid by brokerage firms, and brokerage server. With regard to the settlement processing by the customer account deposit / withdrawal processing means, when the settlement processing is performed by dividing into a plurality of accounts, the settled deposit / withdrawal amount information for each account may be included. It is. The same applies to the following inventions.

  Then, in the settlement process by the customer account deposit / withdrawal processing means of the broker server, “based on the confirmed sale price or purchase price included in the sales result information or other fixed price information calculated according to these prices. The “other fixed amount information calculated according to these amounts” may be calculated by the securities company server and included in the trading result information from the securities company server and transmitted to the broker server, or It may be calculated by the broker server based on the selling price or purchase price sent from the securities company server, and further, brokerage based on the selling price or purchase price sent from the securities company server. The information calculated by the broker server is once sent to the brokerage server, and sent to the broker server from the brokerage server in the sales result information. It may be the one who came. Therefore, the “other fixed amount information” does not necessarily need to be included in the trading result information transmitted from the securities company server. The same applies to the following inventions.

  In addition, “confirmed sales or purchase price included in trading result information” and “sale or sales information including finalized selling price or purchase price” means that the selling price or Not only the amount of purchase price (total amount) itself is included directly, but also the amount of purchase price or purchase amount (total amount) itself is not included, but sales volume and unit price are included. Therefore, it is intended to include the case where the selling price or the buying price can be calculated by multiplying them, that is, the case where the amount (total amount) of the selling price or the buying price is indirectly included. The same applies to the following inventions.

  Furthermore, “customer account identification information included in trading instruction information or trading result information” means customer account identification information included in trading instruction information by the customer (customer account identification for the account specified by the customer on the trading instruction input screen) Information) is stored in the broker server, and the customer account identification information stored in the broker server after the trading process by the brokerage server may be used, or the customer account included in the trading instruction information by the customer Even if the identification information is not stored in the broker server, it is once transmitted to the securities company server, and after the transaction processing by the securities company server, the customer account identification information transmitted from the securities company server and returned as the transaction result information may be used. It is a good purpose. The same applies to the following inventions.

  Further, “customer account identification information preliminarily designated by the customer and stored in the customer designated account storage means connected to the broker server” designates an account for settlement processing on the buying / selling instruction input screen when the customer accesses. Instead, it is customer account identification information for a fixed account when, for example, an account predetermined in a contract or the like is used as an account for settlement processing. The same applies to the following inventions.

  The “broker account identification information included in the brokerage information” is, for example, the settlement process designated by the broker when the broker opens multiple accounts in the same securities company. Broker account identification information for identifying an account for use, or broker account identification for identifying a broker account to be processed when a brokerage firm has contracts with multiple brokers Information, or broker account identification information for identifying the broker account to be processed when the broker account opened at the securities company and the customer account are managed in the same database in the same database Etc. The same applies to the following inventions.

  In addition, “broker account identification information preliminarily designated by the broker and stored in the broker designated account storage means connected to the broker company server” refers to a contract between the broker and the brokerage company in advance. This is brokerage account identification information for a fixed account when a predetermined brokerage account is used as an account for settlement processing. When one brokerage firm has contracts with multiple brokers, based on the broker identification information sent from the broker server as trading agent information, the broker is designated from the broker specified account storage means in advance. The broker account identification information in the case of acquiring the defined broker account identification information is also included. The same applies to the following inventions.

  In such a securities trading system of the present invention, when a customer places a trading order using a trading instruction input screen on a customer terminal device, the brokerage server's brokerage processing means passes through a brokerage server brokerage. The securities trading process is executed, and the funds settlement processing is performed by the customer account deposit / withdrawal processing means of the broker server and the broker account deposit / withdrawal processing means of the securities company server. This eliminates the need for customers to perform separate procedures for buying and selling orders with securities companies and procedures for transferring funds associated with buying and selling transactions. Thus, an online transaction system that is more convenient and easier to use than conventional systems is realized, and these objects are achieved.

  In addition, the securities trading system described above is configured such that the settlement between the securities company and the broker is performed by the processing by the broker company server, but is performed by the process by the broker server as follows. It is good also as a structure.

  That is, the securities trading system of the present invention is operated by a securities company server that is operated and managed by a securities company and performs processing related to trading of securities based on customer orders, and is operated by an intermediary that mediates between the customer and the securities company. A customer terminal device and a brokerage company server that are managed by a customer to perform processing related to brokerage and a brokerage server connected to each other via a network, and the brokerage server includes a trading order of securities by the customer Input by the customer using the input screen sending means for sending the display information for the buying and selling instruction input screen for giving instructions regarding buying and selling to the customer terminal device via the network, and the buying and selling instruction input screen sent by this input screen sending means Buying and selling instruction information receiving means for receiving the buying and selling instruction information from the customer terminal device via the network; Trading agency information for creating trading agency information necessary for processing related to trading of securities by the securities company server based on the trading instruction information received by the instruction information receiving means, and transmitting this trading agency information to the securities company server via the network Based on the transmission means and the final sale price or purchase price included in the trading result information transmitted from the securities company server via the network or other fixed price information calculated according to these prices Customer account entry / exit for payment processing, including at least partial deposit or remittance of sales proceeds to the customer account database for data management of other accounts or withdrawal processing of at least a portion of purchase proceeds from the customer account database Included in the transaction result information sent via the network from the money processing means and the brokerage server Withdrawal processing of selling price from securities company account database for data management of securities company account based on finalized selling price or buying price or other fixed price information calculated according to these prices or A securities company account deposit / withdrawal processing means for performing settlement processing including deposit or transfer processing of the purchase price to the securities company account database. Trading processing means for performing trading processing of securities based on trading brokerage information transmitted via the sales processing information, and sales result information including the selling price or the buying price determined by performing trading processing by this trading processing means The transaction result information transmitting means for transmitting to the broker server via the network, and entering the customer account of the broker server. In the case of a sell order, the withdrawal processing means is stored in customer account identification information included in the sale instruction information or sale result information or customer designated account storage means designated in advance by the customer and connected to the broker server. Search the customer account database for data management of customer accounts opened at the broker using the customer account identification information as a key, and sell to the customer account database by updating the corresponding customer account data A customer account database for data management of customer accounts opened in non-brokers by making payment processing, including at least some payment processing, or by sending customer account identification information to the non-broker system At least one of the payment processing including the remittance processing through the network of at least a part of the sale price to In the case of a purchase order, customer account identification information included in the purchase instruction information or sale result information or customer account identification specified in advance by the customer and stored in the customer designated account storage means connected to the broker server At least a part of the purchase price from the customer account database by searching the customer account database for managing the customer account data opened in the broker using the information as a key and updating the data of the corresponding customer account In the case of a sell order, the securities company account deposit / withdrawal processing means of the broker server is preliminarily determined by the securities company account identification information or the securities company. Brokerage using the brokerage account identification information stored in the brokerage specified account storage means specified and connected to the broker server as a key Including withdrawal processing of sales proceeds from the securities company account database by searching the securities company account database for managing the data of the securities company account opened by the seller and updating the data of the corresponding securities company account In the case of a purchase order after settlement processing, securities stored in the brokerage company specified account storage means connected to the broker server specified in advance by the brokerage company account identification information included in the trading result information or the brokerage company Using the company account identification information as a key, search the securities company account database for managing the data of the securities company account opened at the broker, and update the data of the account of the corresponding securities company to the securities company account database. Settlement processing including deposit processing of purchase price, or by sending brokerage company account identification information to the system of a broker other than broker It is configured to perform settlement processing including remittance processing via a network of purchase prices to a securities company account database for data management of securities company accounts opened at brokers other than brokers. Is.

  Here, “securities company account identification information included in trading result information” means, for example, when a securities company has opened multiple accounts with the same broker, the settlement process specified by the securities company Securities company account identification information for identifying an account for use, or brokerage company account identification for identifying the account of a brokerage company to which payment processing should be performed when one brokerage contracts with multiple brokerage companies Information, or brokerage company account identification information for identifying the brokerage company account to be settled when the brokerage account established by the broker and the customer account are managed in the same database in the same database Etc. The same applies to the following inventions.

  In addition, “the securities company account identification information preliminarily designated by the securities company and stored in the securities company designated account storage means connected to the broker server” refers to a contract between the broker and the securities company in advance. This is securities company account identification information for a fixed account when a defined securities company account is used as an account for settlement processing. If one brokerage company has contracts with multiple securities companies, based on the securities company identification information sent from the securities company server as trading result information, the securities company designated account storage means will store the relevant securities company in advance. Also included is securities company account identification information in the case of obtaining prescribed securities company account identification information. The same applies to the following inventions.

  Furthermore, in the settlement process by the customer account deposit / withdrawal processing means of the broker server and the brokerage company account deposit / withdrawal processing means of the broker server, the “settled sale or purchase price or other calculated according to these amounts” "Based on the fixed amount information of", in addition to the fixed sale price or purchase price, the customer may be considered to be a securities company (a securities company and an intermediary). )) May be included in the fixed amount information on brokerage commissions, taxes (consumption tax, withholding on the gain on sale of securities, etc.), brokerage fees paid by brokers to brokers, and broker servers. With regard to the settlement process by the customer account deposit / withdrawal processing means, when the settlement process is performed by dividing the account into a plurality of accounts, the confirmed deposit / withdrawal amount information for each account may be included. It is a fact. The same applies to the following inventions.

  Then, in the settlement processing by the customer account deposit / withdrawal processing means of the broker server and the brokerage company account deposit / withdrawal processing means of the broker server, the “confirmed sale price or purchase price or these amounts included in the trading result information” “Other fixed amount information calculated according to these amounts” in “Based on other fixed amount information calculated accordingly” is calculated by the brokerage server and included in the trading result information from the brokerage server. It may be sent to the broker server, or may be calculated by the broker server based on the selling price or the buying price sent from the brokerage server, and further sent from the brokerage server. Based on the sales price or purchase price, the brokerage server calculates the brokerage server and sends it to the securities company server. It may be one that has been transmitted to the intermediary server included in the trading result information from. Therefore, the “other fixed amount information” does not necessarily need to be included in the trading result information transmitted from the securities company server. The same applies to the following inventions.

  In such a securities trading system of the present invention, when a customer places a trading order using a trading instruction input screen on a customer terminal device, the brokerage server's brokerage processing means passes through a brokerage server brokerage. The securities trading process is executed, and fund settlement processing is performed by the customer account deposit / withdrawal processing means of the broker server and the securities company account deposit / withdrawal processing means of the broker server. This eliminates the need for customers to perform separate procedures for buying and selling orders with brokerage firms and procedures for transferring funds associated with trading transactions. Compared to conventional systems, an online transaction system that is more convenient and easy to use is realized, and these objects are achieved.

  Furthermore, in the above-described securities trading system (either a configuration in which settlement between a securities company and a broker is performed by processing by a broker company server, or a configuration in which processing by a broker server is performed), a securities company server. The settlement by the customer account deposit / withdrawal processing means of the broker server based on the sale price or purchase price determined by performing the trading process by the trading processing means or other fixed price information calculated according to these prices The customer account deposit / withdrawal supplement processing means for complementing the processing is provided, and this customer account deposit / withdrawal supplement processing means is used in the case of a sell order for the portion that is not settled by the customer account deposit / withdrawal processing means of the broker server. Customer account identification information included in trading agent information or customer designated account storage means specified in advance by a customer and connected to a securities company server Using the stored customer account identification information as a key, search the customer account database for data management of the customer account opened in the securities company, and update the data of the corresponding customer account to the customer account database In the case of a purchase order, the customer account identification information included in the sales brokerage information or the customer specified account storage means specified in advance by the customer and connected to the securities company server is processed. Using the stored customer account identification information as a key, search the customer account database for data management of the customer account opened in the securities company, and update the data of the corresponding customer account from the customer account database It is desirable that the settlement process includes a withdrawal process for the purchase price.

  Here, the “customer account identification information included in the sales agent information” is received by the broker server as customer account identification information specified by the customer on the sales instruction input screen and transmitted from the customer terminal device as the sales instruction information. In addition, it may be customer account identification information in the case where this is transmitted as brokerage information from the broker server to the securities company server, and is stored in a customer designated account storage means that is specified in advance by the customer in a contract and connected to the broker server. The customer account identification information when the customer account identification information (that is, the customer account identification information for the account designated by the customer on the buying and selling instruction input screen at the time of access) is transmitted from the broker server to the securities company server. Good.

  Further, “customer account identification information preliminarily designated by the customer and stored in the customer designated account storage means connected to the securities company server” designates an account for settlement processing on the buying / selling instruction input screen when the customer accesses. Instead, it is customer account identification information about a fixed account when, for example, an account predetermined in a contract or the like is used as an account for settlement processing.

  Furthermore, in the case of “the portion where payment processing is not performed by the customer account deposit / withdrawal processing means of the broker server”, a part of payment processing for the customer's account is performed by the customer account deposit / withdrawal processing means of the broker server. When it means the remaining part of the total payment amount in a transaction in which the remaining part of the payment processing for the customer's account is performed by the customer account deposit / withdrawal processing means of the company server, and the customer of the broker server When the payment processing for the customer's account is not performed by the account deposit / withdrawal processing means, and it means the total settlement amount in the transaction in which all settlement processing for the customer's account is performed by the client account deposit / withdrawal processing means of the securities company server And are included.

  In the settlement process by the customer account deposit / withdrawal supplementary processing means of the securities company server, “based on the fixed sale price or purchase price or other fixed price information calculated according to these prices” In addition to the fixed sale price or purchase price, the commission fee and tax (consumption tax) that the customer pays to the securities company (which may be considered as a securities company and an intermediary) in addition to the final sale or purchase price. , Etc., and withholding amount information on the gain on sale of securities, etc. In addition, if payment processing is performed by dividing the account into multiple accounts, information on the fixed deposit and withdrawal amounts for each account will be included. It may be included. The same applies to the following inventions.

  When the customer account deposit / withdrawal supplementary processing means is configured in this way, if the customer only opens an account in the brokerage company that can be used as an account for settlement of securities transactions. In addition, if it is also opened at a securities company, it becomes possible to perform settlement processing using a customer account opened at the securities company together with a customer account opened at the broker.

  In the securities trading system described above, the broker server receives the balance data of at least one account of the customer from the customer account database and the trading received by the trading instruction information receiving means. Balance check processing means for judging whether or not the balance of the customer's account is equal to or greater than an allowable amount that can satisfy the purchase order by the customer based on the instruction information and the balance data of the customer's account acquired by the account balance data acquisition means In addition, customer account identification information storage means for storing customer account identification information for identifying customer accounts opened in the broker or securities company for each customer is connected to the broker server to obtain account balance data The means obtains customer account identification information for identifying the corresponding customer account from the customer account identification information storage means. Using this customer account identification information as a key, one or more accounts of the corresponding customer are searched from the customer account database by searching a customer account database for data management of one or more accounts of the customer opened in the broker. The balance of one or more accounts of a customer via a securities company server and network from a customer account database for processing data to acquire the balance data of the customer, or for managing data of one or more accounts of a customer opened in a securities company It is configured to perform at least one of the processes of acquiring data, and the process of acquiring the balance data of one or more accounts of the customer via the securities company server and the network is performed from the customer account identification information storage means. Obtain customer account identification information for identifying the corresponding customer's account, and this customer account identification information Is sent to the brokerage server through a search process using the customer account identification information by the brokerage server as a key for the customer account database for data management of one or more customers' accounts opened at the brokerage company. Processing for receiving the balance data of one or a plurality of corresponding customer accounts from the securities company server via the network, and customer account identification for identifying the corresponding customer account from the customer account identification information storage means Information is acquired, and this customer account identification information is used as a key to copy the customer account database for data management of one or more accounts opened at a securities company and connected to the broker server. One or more accounts of the corresponding customer from the duplicate customer account database by searching the duplicate customer account database It is desirable that it is one of the processes for acquiring the balance data of the seat.

  Here, the “allowable amount” does not have to be the same as the settlement amount including the purchase price (amount obtained by adding the commission fee, taxes, etc. to the purchase price). it can. Specifically, for example, the allowance amount may be 1.5 times the amount of the purchase price plus the commission fee or tax, etc. with a margin, and if it is a debit account for public utilities May be an allowance that takes into account the amount of the withdrawal, or an allowance that takes into account the fact if the collateral can be taken separately from the customer, and the customer obtained from past transaction information, etc. It may be an allowance that takes into account the creditworthiness and excellence of the company, and entrusts the purchase price on the assumption that the required amount is prepared by the fourth business day (after 3 days) from the date of placing the purchase order A certain percentage (for example, half of the amount) of the sum of fees, taxes, etc. may be used as the allowable amount, and the maximum amount of change in the purchase price calculated in consideration of price limits as described below. Commission fee and tax etc. It may be a allowance that defines the amount plus basis, or more factors to consider, such as may be permitted amount determined by combining a plurality of. In the case of a margin transaction, since it is determined whether or not the balance of the customer's account is equal to or greater than an allowable amount as a consignment deposit, the allowance can be determined on a consignment deposit basis.

  The “copy customer account database” may be formed by an intermediary server accessing a securities company server and performing data communication via a network for copying, or the securities company server voluntarily It may be formed by receiving data transmitted via a network by an intermediary server. Therefore, in the “process for obtaining balance data of one or more accounts of a customer via a securities company server and a network”, for example, the broker server accesses the securities company server for each order from the customer. Processing to acquire the balance data of the account of the customer (accessing customer) from the securities company server, the broker server periodically accesses the securities company server, and a plurality of customers (for example, service provision targets) The balance data of the accounts of the customers who are currently accessing from this duplicate customer account database is stored in a database (a duplicate customer account database connected to the broker server). Multiple customers (for example, service provision targets) that the brokerage server periodically sends in batches The balance data of all customer accounts) is received and stored in a database (a duplicate customer account database connected to the broker server), and the balance data of the customer's account being accessed is obtained from this duplicate customer account database. Processing to be performed.

  When the account balance data acquisition means and the balance check processing means are configured as described above, the brokerage company has funds corresponding to the buying order made by the customer when brokering the securities transaction. Therefore, it is possible to reduce the transaction risk of the broker or the securities company.

  Further, in the case where the account balance data acquisition means and the balance check processing means are provided as described above, the account balance data acquisition means of the broker server is for the settlement process in which the customer includes the withdrawal process of the purchase price. In the case where a plurality of accounts that can be accounted for are opened, the balance data of these multiple accounts is obtained from the customer account database for data management of each of these accounts, and the balance check of the broker server is performed. When a plurality of accounts are selected as settlement processing accounts including withdrawal processing for purchase price by the customer, the processing means responds to the purchase order by the customer with the total balance of the selected plurality of accounts. It is desirable to determine whether or not the allowable amount can be exceeded.

  In this way, when the balance is checked by summing the balances of multiple accounts of the customer, it becomes possible for the broker to check the customer's substantial funding margin, while for the customer Since it is possible to check the funds of customers distributed to multiple accounts on the broker side, it becomes possible to select multiple accounts as settlement accounts for sales transactions. The funds required for the accounts alone are not enough, but the funds required for multiple accounts can be summed up to provide the necessary funds, or when you want to use the funds in multiple accounts in a distributed manner. In addition, it is possible to save time and labor for collecting funds in one account when performing a sales transaction.

  Furthermore, in the case of the configuration including the account balance data acquisition means and the balance check processing means as described above, the broker server has the stock price of the previous day that becomes the reference value of the price limit when the market order is placed. The reference value storage means for storing the closing price or the quote price is connected, and the balance check processing means of the broker server calculates the maximum value of the fluctuation amount of the purchase price using the reference value stored in the reference value storage means. Based on the calculated maximum value, it is desirable to determine whether or not the balance of the customer's account is equal to or greater than an allowable amount that can satisfy the purchase order by the customer.

  Here, the “reference value” stored in the “reference value storage unit” may be acquired from a securities company server, or may be acquired from other securities price information providing systems.

  When the maximum value of the fluctuation amount of the purchase price is calculated using the reference value stored in the reference value storage means in this way, when checking the balance of the customer's account, the safety side check Therefore, it is possible to further reduce the transaction risk of the broker or the securities company.

  And when it is set as the structure provided with the account balance data acquisition means and the balance check processing means as described above, the broker server determines that the balance of the customer's account is equal to or larger than the allowable amount by the processing by the balance check processing means. In this case, the customer's free use of the balance of the customer's account is prohibited, or the trading result transmitted via the network by the trading result information transmitting means of the securities company server. It is desirable to provide account hold processing means for performing hold processing for prohibiting the free use of the customer for the amount corresponding to the correction allowable amount corrected based on the information.

  Here, as in the case of the above-described allowable amount, the “corrected allowable amount” does not need to be the same amount as the fixed amount obtained by adding the fixed commission fee, tax, etc. to the fixed purchase price. The contractor can decide arbitrarily. Specifically, for example, on the assumption that the necessary amount has been prepared from the date of placing the purchase order to the fourth business day (after 3 days), the commission fee and tax determined on the final purchase price A certain percentage (for example, half of the amount) of the fixed amount obtained by adding etc. may be used as the allowable correction amount.

  When the account hold processing means is provided in this way, it becomes possible to prevent unintended use (fund outflow) of necessary funds or a part thereof already in the customer's account. It is possible to further reduce the risk of brokerage transactions.

  Further, in the securities trading system described above, the broker server includes account balance data acquisition means for acquiring balance data of a plurality of customer accounts from a customer account database for data management of each account, In the buying and selling instruction input screen transmitted by the input screen transmitting means of the broker server, when the customer places a purchase order, the customer accounts among the plurality of accounts of the customer as an account for settlement processing including withdrawal processing of the purchase price. Select at least one account from and select the amount to be deducted from the selected account separately for each account, and the balance data for each account acquired by the account balance data acquisition means An account balance display unit for individually displaying the balances of a plurality of customer accounts for each account, and the account balance data acquisition means includes customer account identification information Customer account identification information for identifying the corresponding customer's account is acquired from the storage means, and the customer for data management of one or more accounts of the customer established in the broker using the customer account identification information as a key A process for acquiring balance data of one or more accounts of the corresponding customer from the customer account database by searching the account database, or a customer for managing data of one or more accounts of a customer established in a securities company A configuration in which the balance data of a plurality of accounts of a customer is acquired by performing at least one of the processes of acquiring the balance data of one or more accounts of the customer from the account database via the securities company server and the network. The balance data of one or more customers' accounts is collected via the securities company server and network. The processing to be performed is obtained at the securities company by acquiring customer account identification information for identifying the corresponding customer account from the customer account identification information storage means, and transmitting this customer account identification information to the securities company server. The balance data of one or more accounts of the corresponding customer extracted through the search processing by the securities company server for the customer account database for data management of one or more accounts of the customer is sent from the securities company server via the network. One of the customers established in the securities company using the customer account identification information as a key. Alternatively, a duplicate customer account database formed by copying a customer account database for data management of multiple accounts and connected to an intermediary server This is one of the processes of acquiring the balance data of one or more accounts of the corresponding customer from the copied customer account database by searching the database, and the withdrawal amount provided on the buying and selling instruction input screen Multiple accounts to be selected in the input designation section and multiple accounts to be displayed in the account balance display section were opened in one or more accounts of customers opened in the broker, or in a securities company Desirably, multiple accounts of one or more accounts of the customer.

  Here, “one or more accounts of a customer opened at a securities company” means one or more accounts opened at a certain securities company (that is, the same securities company) for one customer. It means that. However, here it is only shown that there may be one or more accounts of the same customer for any one securities company, so the number of securities companies covered Is not limited to one company, and may be a plurality of companies.

  That is, the “account balance display section” may display the balance of the accounts for a plurality of securities companies, and the “withdrawal amount input designation section” displays the accounts for a plurality of securities companies as the selection target accounts. May be. However, when a certain brokerage company is selected and a purchase order is placed, or an account that can be selected as a withdrawal account for the purchase price for selecting a certain brokerage company and placing a purchase order, an account established with an intermediary is used. Except for this, it is preferable that only one or a plurality of accounts opened in the securities company be used. Therefore, when selecting a brokerage company X and placing a purchase order, one or more accounts opened in the brokerage company X can be selected, but an account opened in the brokerage company Y cannot be selected, If there are both a part that selects brokerage company X and places a buy order and a part that selects brokerage company Y and places a buy order, the former part is either one established by securities company X or You can select multiple accounts, but you cannot select an account opened at brokerage Y. For the latter, you can select one or more accounts opened at brokerage Y, but you open at brokerage X. It is preferable that the selected account cannot be selected.

  Further, the “copy customer account database” may be formed by the broker server accessing the securities company server and performing data communication via the network for copying, or the securities company server voluntarily It may be formed by receiving data transmitted via a network by an intermediary server. Therefore, in the “process for obtaining balance data of one or more accounts of a customer via a securities company server and a network”, for example, the broker server accesses the securities company server for each order from the customer. Processing to acquire the balance data of the account of the customer (accessing customer) from the securities company server, the broker server periodically accesses the securities company server, and a plurality of customers (for example, service provision targets) The balance data of the accounts of the customers who are currently accessing from this duplicate customer account database is stored in a database (a duplicate customer account database connected to the broker server). Multiple customers (for example, service provision targets) that the brokerage server periodically sends in batches The balance data of the account for all customers is received and stored in a database (a duplicate customer account database connected to the broker server), and the balance data of the account being accessed is obtained from this duplicate customer account database. In other words, it is only necessary that the balance data of one or a plurality of accounts of a customer established in a securities company can be finally obtained when the trade screen input screen is transmitted by the input screen transmission means.

  In addition, when the customer has opened multiple accounts that include both the opening account for the broker and the opening account for the securities company, these multiple accounts are the accounts to be selected in the withdrawal amount input designation section. Or a structure that can be used as a display target account in the account balance display section. On the screen of the buy / sell instruction input screen, a plurality of accounts are always selected as a selection target account or a display target account. It doesn't have to be done. Therefore, in the first place, if the customer opens only one account even if the account opened to the brokerage company and the account opened to the securities company are combined, only that one account will be the account to be selected or displayed Even if a situation that cannot be performed occurs, the above configuration is not satisfied. In short, it is only necessary to be able to cope with a case where there are a plurality of accounts as a system.

  In this way, for a customer, in a configuration in which the balance of a plurality of accounts of the customer is shown on the buying and selling instruction input screen and the input designation of the withdrawal amount from each of these accounts is accepted, the customer, for example, A variety of circumstances, such as when the funds required for one account are insufficient, but the necessary funds are sufficient if the funds held in multiple accounts are combined, or when you want to use the funds in multiple accounts in a distributed manner Therefore, it is possible to select multiple accounts as withdrawal accounts, so it is possible to save the trouble of the customer's work of collecting funds in one account when conducting sales transactions. The improvement of property is achieved.

  Furthermore, in the securities trading system described above, the broker server retrieves the possession information of the securities that the customer holds under the management of the securities company from the customer securities holding information database connected to the securities company server. Securities balance data acquisition means for performing processing to acquire via a brokerage company server and a network, or processing to acquire from a brokerage database for trading brokerage information recording connected to the broker server, The processing to be acquired via the network is performed by converting the broker customer identification information included in the trading instruction information into the brokerage customer identification information and transmitting it to the securities company server, or the brokerage customer included in the trading instruction information. Send the identification information to the securities company server, or send the customer identification information for brokers to the securities company server The client's securities holding information database by converting it into customer identification information for brokerage firms or by sending broker identification customer identification information shared with brokerage client identification information to the brokerage server. Processing for receiving the securities holding information of the corresponding customer extracted through the search process using the securities server customer identification information by the company server as a key, and the securities company customer identification information. Using the key as a key, copy the customer securities holding information database and search the copied customer securities holding information database that is connected to the broker server to hold the relevant customer's securities from the copied customer securities holding information database. It is one of the processes to acquire information and is acquired from the sales brokerage database. This processing is a process for acquiring the possession information of the relevant customer's securities from the buying and selling brokerage database by searching the buying and selling brokerage database using the customer identification information for brokers included in the buying and selling instruction information as a key. In the buying and selling instruction input screen transmitted by the input screen transmitting means of the merchant server, when the customer places a sell order, the account for payment processing including the payment of the selling price or the remittance processing is included among the plurality of accounts of the customer Select at least one account from and select the amount received by the selected account individually for each account, and the receipt amount input designation section for each account, and the possession information of the securities acquired by the securities balance data acquisition means There are securities balance display sections to be displayed, and multiple accounts to be selected in the received amount input designation section provided on the buying and selling instruction input screen are brokers It is desirable that the number of accounts is one or a plurality of accounts opened in a customer, or a plurality of accounts of one or a plurality of accounts opened in a securities company.

  Here, “one or more accounts of customers opened at a securities company” means one or more accounts opened at a certain securities company (that is, the same securities company) for one customer. It means that. However, here it is only shown that there may be one or more accounts of the same customer for any one securities company, so the number of securities companies covered Is not limited to one company, and may be a plurality of companies.

  In other words, “Securities balance display section” may display the holding information of securities for multiple securities companies, and “Receipt amount input designation section” selects accounts for multiple securities companies. It may be a target account. However, when selling securities held under the control of a securities company, or an account that can be selected as a receiving account for the proceeds of sale of securities held under the control of a securities company However, it is preferable that only one or a plurality of accounts opened in the securities company be included except for the accounts opened in the broker. Therefore, when selling securities held by securities company X, one or more accounts opened at securities company X can be selected, but accounts opened at securities company Y are selected. In the case where there is both a portion to be sold for securities held under the control of securities company X and a portion to be sold for securities held under management of securities company Y, the former However, one or more accounts opened at securities company X can be selected, but an account opened at securities company Y cannot be selected. It is preferable that one or a plurality of accounts can be selected, but an account opened at the securities company X cannot be selected.

  The “copying customer securities holding information database” may be formed by the broker server accessing the securities company server and performing data communication via a network for copying, or the securities company server is voluntarily Alternatively, it may be formed by receiving data transmitted via a network by an intermediary server. Therefore, the “securities balance data acquisition means” “acquires securities holding information from the customer securities holding information database connected to the securities company server via the securities company server and network”, for example, the broker server Each time an order is received from a customer, the brokerage server is accessed to obtain securities holding information of the customer (accessing customer) from the customer securities holding information database connected to the brokerage server. Periodically acquires securities holding information of multiple customers (for example, for all customers who are eligible for service provision) from a customer securities holding information database connected to the securities company server by periodically accessing the securities company server. Save it in a database (a copy customer securities holding information database connected to an intermediary server). Obtaining the securities balance data of the accessing customers from the customer securities holding information database, and the securities of multiple customers (for example, for all the customers for whom services are provided) sent periodically by the securities company server Receiving possession information and storing it in a database (a copy customer securities possession information database connected to an intermediary server), and obtaining the securities balance data of the accessing customer from this copy customer securities possession information database In short, in short, it is only necessary that the customer can acquire the possession information of the securities that the customer holds under the management of the securities company when the input screen transmitting means transmits the trade instruction input screen.

  Furthermore, when the “securities balance data acquisition means” “acquires from the brokerage database for trading brokerage information recording connected to the broker server” the possession information of the securities, for example, via a certain broker, Securities purchased by selecting a brokerage company must be sold through that broker, and only sold through another broker, The broker holds the customer's securities by recording the trading transactions through the brokerage broker database, such as when it is agreed that the brokerage cannot be accessed directly and sold. This is a case where information can be grasped.

  In addition, when the customer has opened multiple accounts that include both the opening account for the broker and the opening account for the securities company, these multiple accounts will be selected in the receipt input specification section It is only necessary to have a configuration that can be configured as follows, and on the screen of the buying and selling instruction input screen, multiple accounts do not always have to be selected accounts. In short, there are multiple accounts as a system. The purpose of being able to cope with a certain case is the same as in the case of the withdrawal amount input designation unit and the account balance display unit described above.

  In this way, the customer is shown a balance of securities held by the customer, and the account for receiving the sale price of the securities can be selected from the customer's multiple accounts. On the other hand, the customer can grasp the balance information of his / her securities by referring to the buying / selling instruction input screen, and can place a sell order for the securities. In addition to reducing the time and effort required to check the balance of the customer, the customer can freely select the account to which the sale price is transferred on the screen for entering and selling instructions, and the amount received at each account Since it can be freely specified, it is possible to improve convenience as a trading system.

  Then, as described above, when the customer is configured to show the balance of a plurality of accounts of the customer on the buy / sell instruction input screen and accept the input designation of the withdrawal amount from each of these accounts, or to the customer On the other hand, in the case where the balance of the securities held by the customer is shown and the account for receiving the sale price of the securities can be selected from the plurality of accounts of the customer, the broker server In the buying / selling instruction input screen transmitted by the input screen sending means, the total amount of money input and designated for each account selected by the customer as an account for settlement processing and the buying / selling processing by the buying / selling processing means of the securities company server are performed. If the actual deposit / withdrawal amount based on the trading result information determined by It is preferable that priority setting unit for setting individually for each seat is provided.

  Here, “the total amount of specified input amount” and “actual deposit / withdrawal amount” do not match “for example, in the case of a market order, a part of the total quantity related to the order” Occurs when only the contract is executed.

  In addition, the “predetermined arrangement” means that, when excess or deficiency occurs, for example, (1) for an account with a high priority, deposit / withdraw processing is performed so that the input designated amount is maintained as much as possible. Arrangement (arrangement to adjust excess and deficiency with low priority account), (2) Arrangement to withdraw as much as possible from high priority account in case of buy order (actual withdrawal amount is the estimated amount of the settlement amount) In other words, if the total amount of the specified amount is exceeded, the excess amount will be deducted from the account with the highest priority in the order of the balance, and if it falls below, the entry with the highest priority will be designated. (3) Arrangements to receive as much as possible from high-priority accounts in the case of sell orders (actual deposit amount) , If the amount of the settlement amount is calculated, that is, if it exceeds the total amount specified for input, the amount exceeding the amount specified will be received by the account with higher priority, and if it is lower, the amount specified for the account with higher priority will be entered These arrangements may be, for example, fixed arrangements as a system, and may be made by the customer at the time of a prior contract between the customer and an intermediary or a securities company. It may be a selected arrangement or an arrangement selected by the customer for each sales order.

  In this way, when it is configured to be able to set the priority order for the account for settlement processing, the total amount of the amount specified by the customer for each account selected as the account for settlement processing and the actual purchase processing Even when the deposit / withdrawal amount determined by performing the transaction does not match, it is possible to perform the deposit / withdrawal processing in a form in line with the customer's intention as much as possible.

  Further, in the securities trading system described above, the broker server includes a market price information acquisition unit that acquires market price information of the securities, and the trading instruction input screen that is transmitted by the input screen transmission unit of the broker server. The order contents input section for inputting the order contents including the brand and trading quantity of the securities to be bought and sold by the customer, and the securities acquired by the trading quantity and market price information acquisition means entered in the order contents input section. It is desirable to provide a trial price display unit that displays a trial price of a settlement amount related to trading including the sale price or purchase price calculated using the market price information of the securities.

  Here, the estimated price of the sale price or purchase price displayed in the “estimated price display section” may be calculated and displayed at the customer terminal device, or the securities entered in the order details input section. The trading volume may be transmitted to the broker server once via the network, the trial calculation amount calculated by the broker server, the calculation result received from the broker server via the network, and displayed on the customer terminal device.

  Further, the “order contents including the brand and trading quantity of the securities to be traded / ordered” may include the brand and trading quantity, and may include, for example, the market price / limit price, the limit price, and the like.

  In addition, “estimated settlement amount related to sales including purchase price or purchase price” includes the estimated price of sales price or purchase price, for example, commission fees, taxes (consumption tax, withholding tax). For example) may be included.

  In this way, when the configuration is such that the estimated amount of settlement related to trading including the sale price or purchase price based on the market price information is displayed on the screen of the purchase instruction input screen, the customer calculates the settlement amount by himself / herself. For example, as described above, multiple accounts are selected as the withdrawal account for the purchase price and the receiving account for the sale price, and the amount of deposit / withdrawal for each account Can be assigned to each account individually while referring to the trial calculation amount displayed on the screen of the purchase and sale instruction input screen, making it possible to determine the amount of money allocated to each account. Improved usability.

  In addition, in the securities trading system described above (however, the settlement between the brokerage firm and the broker is performed by processing by the brokerage server), the brokerage account deposit / withdrawal processing of the brokerage server. It is desirable that the settlement process including the deposit process by means, the settlement process including the remittance process, and the settlement process including the withdrawal process include a brokerage fee payment process paid by the securities company to the broker.

  Furthermore, in the securities trading system described above (however, the settlement between the brokerage company and the broker is performed by the broker server), the broker company server deposit / withdrawal process. It is desirable that the settlement process including the deposit process by means, the settlement process including the remittance process, and the settlement process including the withdrawal process include a brokerage fee payment process paid by the securities company to the broker.

  In this way, when it is configured to process brokerage fees paid by brokerage firms to brokers as well as deposits and withdrawals of sales and purchases, a series of settlement processes associated with brokering brokerage transactions are facilitated. Can be executed.

  In the securities trading system described above, the settlement process including the deposit process by the customer account deposit / withdrawal processing means of the broker server, the settlement process including the remittance process, and the settlement process including the withdrawal process include It is desirable to include the processing of order commission fees and the payment of taxes associated with sales transactions.

  In addition, as described above, in the case where the brokerage server as well as the securities company server is configured to perform the deposit / withdrawal process for the customer's account, the settlement process including the deposit process by the customer account deposit / withdrawal supplement processing means of the securities company server, It is desirable that the settlement process including the remittance process and the settlement process including the withdrawal process include a process for paying a commission for buying and selling orders and a process for paying a tax associated with a trading transaction.

  Here, the “tax payment process” includes a payment process such as a consumption tax, and may include, for example, a withholding process for a gain on sale of securities.

  In this way, not only deposit and withdrawal processing for sales and purchase prices, but also processing for commissioning commissions for trading orders and tax payments associated with trading transactions, a series of settlements associated with securities transactions The process can be executed smoothly.

  In addition, as a method realized by the securities trading system of the present invention described above, the following securities trading transaction method of the present invention can be cited.

  That is, the securities trading method of the present invention includes a customer terminal device operated by a customer who trades securities, and a securities which is operated and managed by a securities company and performs processing related to securities trading based on customer orders. The company server is connected to the broker server that is operated and managed by the broker that brokers the customer and the securities company and performs processing related to brokerage. The processing for sending the display information of the trade instruction input screen for giving instructions related to trade including trading orders of securities to the customer terminal device via the network is performed, and the trade instruction information receiving means of the broker server transmits the input screen The trade instruction information input by the customer using the trade instruction input screen transmitted by the means is received from the customer terminal device via the network. The brokerage server transaction brokerage information transmission means creates the brokerage brokerage information necessary for processing related to the brokerage of securities by the securities company server based on the brokerage instruction information received by the brokerage instruction information receiver. After performing processing to transmit the brokerage information to the securities company server via the network, the brokerage processing means of the securities company server converts the brokerage server information to the brokerage agent information transmitted from the broker server via the network by the brokerage agent information transmitting means. The brokerage account deposit / withdrawal processing means of the brokerage company server is calculated based on the sale price or purchase price determined by performing the trading process by the trading processing means or these amounts. Based on other fixed amount information, transfer the sale price to the broker account database for managing broker account data. Alternatively, settlement processing including withdrawal processing from the remittance processing or brokerage account database, and transaction result information transmission means of the brokerage server server determines the sale result information including the confirmed sale price or purchase price. Perform processing to send to the broker server via the network, and then the customer account deposit / withdrawal processing means of the broker server to the trading result information transmitted from the securities company server via the network by the trading result information transmitting means At least a portion of the proceeds of the sale to the customer account database for data management of the customer's account, based on the finalized sale or purchase price included or other fixed amount information calculated in accordance with these amounts Settlement processing including deposit or remittance processing or withdrawal processing of at least part of purchase price from customer account database And when processing by the customer account deposit / withdrawal processing means of the broker server, in the case of a sell order, the broker account specified in advance by the customer account identification information or the customer included in the trading instruction information or trading result information Using the customer account identification information stored in the customer specified account storage means connected to the server as a key, the customer account database for data management of the customer's account opened in the broker is searched, and the corresponding customer's account Settlement processing including payment processing of at least a part of the sales price to the customer account database by updating the data, or to a non-broker agent by sending customer account identification information to the non-broker system Remittance via the network of at least part of the sales proceeds to the customer account database for data management of opened customer accounts In the case of a buy order, the customer account identification information included in the purchase instruction information or the sale result information or designated in advance by the customer is connected to the broker server. Using the customer account identification information stored in the customer-specified account storage means as a key, the customer account database for managing the customer account data established by the broker is searched, and the corresponding customer account data is updated. In the case of a sell order, when performing settlement processing including withdrawal processing of at least a part of the purchase price from the customer account database, and processing by the broker account deposit / withdrawal processing means of the securities company server , Broker account identification information included in brokerage information or broker-designated account specified in advance by broker and connected to securities company server Using the broker account identification information stored in the storage means as a key, search the broker account database for managing the broker account data established in the securities company, and update the corresponding broker account data. Brokerage for data management of brokerage accounts established in brokers by sending payments to brokerage agent account database for payment processing, sending broker account identification information to broker server Settlement processing including remittance processing through a network of sales price to the account database, or brokerage established by a broker other than broker by sending broker account identification information to the broker's system other than broker A small portion of the settlement process, including remittance processing through the network of sales proceeds to the broker account database for account data management. At least one settlement process is performed, and in the case of a buy order, the broker account identification information included in the brokerage transaction information or stored in the broker specified account storage means specified in advance by the broker and connected to the securities company server Brokerage database by searching brokerage account database for data management of brokerage agent account opened at brokerage company by using brokerage account identification information as a key, and updating the data of the corresponding brokerage agent account It is characterized in that a settlement process including a withdrawal process of purchase price from an account database is performed.

  In such a securities trading transaction method of the present invention, the aforementioned securities trading transaction system of the present invention (a system in which settlement between a securities company and an intermediary is performed by processing by a securities company server). The obtained actions and effects can be obtained as they are, and thereby the above-mentioned purpose can be achieved.

  In addition, the securities trading method of the present invention includes a customer terminal device operated by a customer who trades securities, and a securities which is operated and managed by a securities company and performs processing related to trading of securities based on customer orders. The company server is connected to the broker server that is operated and managed by the broker that brokers the customer and the securities company and performs processing related to brokerage. The processing for sending the display information of the trade instruction input screen for giving instructions related to trade including trading orders of securities to the customer terminal device via the network is performed, and the trade instruction information receiving means of the broker server transmits the input screen Processing for receiving trading instruction information input by the customer using the trading instruction input screen transmitted by the means from the customer terminal device via the network. The brokerage server's trading agent information transmission means creates trading agency information necessary for processing related to the trading of securities by the securities company server based on the trading instruction information received by the trading instruction information receiving means, and this brokerage server After performing processing to transmit information to the securities company server via the network, the brokerage processing means of the securities company server is based on the brokerage information transmitted via the network from the broker server by the brokerage information transmission means. The brokerage server performs the brokerage processing of securities, and the brokerage server sends the trading result information including the selling price or the buying price determined by the trading result information transmitting means of the securities company server to the trading process means. After that, the customer account deposit / withdrawal processing means of the broker server is the trading result information transmitting means Based on the confirmed sale price or purchase price included in the trading result information transmitted from the securities company server via the network or other fixed price information calculated according to these prices, In addition to performing payment processing including at least a portion of the sale price to the customer account database for data management or a withdrawal process of at least a portion of the purchase price from the customer account database, Calculated by the brokerage account deposit / withdrawal processing unit according to the fixed sale price or purchase price or these amounts included in the trading result information sent from the brokerage server server via the network by the trading result information sending means Securities company account database for managing securities company account data based on other fixed amount information When processing by the customer account deposit / withdrawal processing means of the intermediary server, perform the settlement process including the withdrawal process of the sale price from or from the brokerage company account database or the transfer process of the purchase price. In the case of an order, the customer account identification information included in the purchase instruction information or the sale result information or the customer account identification information preliminarily designated by the customer and stored in the customer designated account storage means connected to the broker server is a key. As a process of depositing at least part of the sales proceeds to the customer account database by searching the customer account database for managing the customer account data opened in the broker and updating the data of the corresponding customer account Established by a non-broker operator by sending payment account information to a non-broker agent system. At least one of the payment processing including the remittance processing via the network of at least a part of the sales price to the customer account database for data management of the customer account, and in the case of a buy order, Opened in the broker using the customer account identification information included in the trading instruction information or trading result information or the customer account identification information pre-designated by the customer and stored in the customer designated account storage means connected to the broker server. A settlement process including a withdrawal process of at least a portion of the purchase price from the customer account database by searching a customer account database for data management of the registered customer account and updating the data of the corresponding customer account If the brokerage server's securities company account deposit / withdrawal processing means performs the processing, in the case of a sell order, The brokerage company established by the brokerage company using the brokerage company account identification information stored in the brokerage company specified account storage means specified in advance by the brokerage company and connected to the brokerage server. Search the brokerage account database for data management of the bank's account, perform settlement processing including withdrawal processing of sales proceeds from the brokerage company account database by updating the data of the corresponding brokerage company account, and buy orders In this case, the brokerage company account identification information included in the trading result information or the brokerage company account identification information stored in the brokerage company designated account storage means specified in advance by the brokerage company and connected to the broker server is used as a key. Search the securities company account database for data management of brokerage company accounts opened by brokers, and the corresponding brokerage company account Settlement by brokers other than brokerage firms by sending payment processing to the brokerage company account database by updating the data, or sending brokerage company account identification information to the brokerage broker system. Settlement processing including remittance processing via a network of purchase price to a securities company account database for data management of the account of the brokerage company that has been made is performed.

  In such a securities trading transaction method of the present invention, the above-described securities trading system of the present invention (system in which settlement between a securities company and an intermediary is performed by processing by an intermediary server). The obtained actions and effects can be obtained as they are, and the above-described purpose can be achieved.

  Furthermore, the program of the present invention is operated and managed by a securities company server that is operated and managed by a securities company and performs processing related to the buying and selling of securities based on customer orders, and an intermediary that mediates between the customer and the securities company. A customer terminal device and a securities company server operated by a customer to perform processing relating to brokerage, and a brokerage server connected to each other via a network, the brokerage server provides instructions relating to buying and selling including trading orders of securities. An input screen transmission means for transmitting display information of a trade instruction input screen for performing transmission to a customer terminal device via a network, and a trade instruction input by a customer using the trade instruction input screen transmitted by the input screen transmission means Trading instruction information receiving means for receiving information from the customer terminal device via the network, and this trading instruction information receiver Trading agent information transmitting means for creating trading agent information necessary for processing related to the buying and selling of securities by the securities company server based on the buying and selling instruction information received by the agent, and transmitting the brokerage information to the securities company server via the network; Customer account data based on the final sale price or purchase price included in the trading result information sent from the securities company server via the network or other fixed price information calculated according to these prices. A customer account deposit / withdrawal processing means for performing a settlement process including at least a portion of the sale proceeds to the management customer account database or a remittance processing or at least a portion of the purchase proceeds from the customer account database; The brokerage server is configured to include a network from the broker server by means of trading agent information transmission means. Trading processing means for performing trading processing of securities based on the trading agent information transmitted via, and the sale price or purchase price determined by performing trading processing by this trading processing means or according to these amounts Based on the other fixed amount information calculated in this way, processing for depositing or transferring the sale price to the broker account database for managing the data of the broker account, or processing for withdrawal of the purchase price from the broker account database A broker account deposit / withdrawal processing means for performing settlement processing, and trading result information transmitting means for transmitting trading result information including a confirmed sale price or purchase price to the broker server via the network. In the case of a sell order, the customer account deposit / withdrawal processing means of the broker server identifies the customer account included in the buy / sell instruction information or the buy / sell result information. Customer account database for data management of customer accounts opened in brokers using information or customer account identification information pre-designated by customers and stored in customer-specified account storage means connected to broker server The customer account identification information in the system of the payment processing that includes the payment processing of at least a part of the sales proceeds to the customer account database by searching At least one of the settlement processing including remittance processing via the network of at least a part of the sale price to the customer account database for data management of the customer's account opened to the merchant other than the broker by sending In the case of a purchase order, the customer account identification information included in the purchase instruction information or the sale result information or Search customer account database for data management of customer's account opened in broker using key of customer account identification information pre-specified by customer and stored in customer specified account storage means connected to broker server In addition, it is configured to perform settlement processing including withdrawal processing of at least a part of the purchase price from the customer account database by updating the data of the corresponding customer account, and brokerage company account deposit / withdrawal processing of the securities company server In the case of a sell order, the means is an intermediary account stored in the intermediary account storage means connected to the brokerage company server, which is designated in advance by the intermediary account identification information included in the brokerage transaction information or connected to the securities company server. Using the identification information as a key, search the broker account database for data management of broker accounts opened at brokerage firms, Settlement processing including payment processing of the sale price to the broker account database by updating the broker's account data, the broker of the broker established by the broker by sending the broker account identification information to the broker server Settlement processing including remittance processing through a network of sales proceeds to a broker account database for account data management, or non-broker by sending broker account identification information to a non-broker system In the case of a buy order, perform at least one of the payment processing including the remittance processing through the network of sales price to the broker account database for data management of the broker account opened at the broker. Is connected to the brokerage server as specified by the broker account identification information included in the brokerage transaction information or by the broker. Using the broker account identification information stored in the broker specified account storage means as a key, search the broker account database for managing the data of the broker's account established in the securities company, and search for the corresponding broker's account A system for operating a computer as a securities trading system characterized in that it is configured to perform settlement processing including withdrawal processing of purchase price from a broker account database by updating data. is there.

  The program of the present invention is operated and managed by a securities company server that is operated and managed by a securities company and performs processing related to the buying and selling of securities based on customer orders, and an intermediary that mediates between the customer and the securities company. A customer terminal device and a securities company server operated by a customer to perform processing relating to brokerage, and a brokerage server connected to each other via a network, the brokerage server provides instructions relating to buying and selling including trading orders of securities. An input screen transmission means for transmitting display information of a trade instruction input screen for performing transmission to a customer terminal device via a network, and a trade instruction input by a customer using the trade instruction input screen transmitted by the input screen transmission means Trading instruction information receiving means for receiving information from the customer terminal device via the network, and this trading instruction information receiver Trading agent information transmitting means for creating trading agent information necessary for processing related to the buying and selling of securities by the securities company server based on the buying and selling instruction information received by the agent, and transmitting the brokerage information to the securities company server via the network; Customer account data based on the final sale price or purchase price included in the trading result information sent from the securities company server via the network or other fixed price information calculated according to these prices. A customer account deposit / withdrawal processing means for performing a settlement process including at least a portion of the sale proceeds to the management customer account database or a remittance processing or at least a portion of the purchase proceeds from the customer account database; , The fixed sales price included in the trading result information sent from the securities company server via the network Alternatively, based on the purchase price or other fixed amount information calculated according to these amounts, the withdrawal processing of the sale price from the securities company account database for managing the data of the securities company account or to the securities company account database A securities company account deposit / withdrawal processing means for performing a settlement process including deposit or remittance processing of the purchase price, and the brokerage server is transmitted from the brokerage server via the network by the brokerage agent information transmitting means. Brokerage processing means that executes trading processing of securities based on incoming brokerage information, and sales result information including the sale price or the purchase price confirmed by performing the trading process by this trading processing means via the network Trading result information transmitting means for transmitting to the trader server, the customer account deposit / withdrawal processing means of the broker server, In the case of a sell order, customer account identification information included in the sale instruction information or sale result information or customer account identification information stored in the customer designated account storage means specified in advance by the customer and connected to the broker server As a key, search the customer account database for data management of customer accounts opened in the broker, and deposit at least part of the sales proceeds to the customer account database by updating the data of the corresponding customer account Processing of payments to the customer account database for data management of customer accounts opened to non-broker agents by payment processing including processing, or by sending customer account identification information to non-broker agents' systems At least one of the payment processing including remittance processing via at least some networks, In this case, the customer account identification information included in the sale instruction information or the sale result information or the customer account identification information stored in the customer designated account storage means that is designated in advance by the customer and connected to the broker server is used as a key. Search the customer account database for data management of customer accounts opened at the broker, and withdraw at least a portion of the purchase price from the customer account database by updating the data of the corresponding customer account In the case of a sell order, the broker company account deposit / withdrawal processing means of the broker server is designated as a broker company account identification information or a broker company specified in advance by the brokerage company. Established by an intermediary using the securities company account identification information stored in the securities company designated account storage means connected to the server as a key. Search the securities company account database for data management of ticket company accounts, perform settlement processing including withdrawal processing of sales proceeds from the securities company account database by updating the data of the corresponding securities company account, In the case of a buy order, the brokerage company account identification information included in the trading result information or the brokerage company account identification information previously designated by the brokerage company and stored in the brokerage company designated account storage means connected to the broker server is used. As a key, search the securities company account database for data management of brokerage company accounts opened at brokers, and transfer the purchase price to the securities company account database by updating the data of the corresponding securities company account Payment processing including processing, or non-broker business by sending brokerage company account identification information to a non-broker system Securities trading transactions, characterized in that settlement processing includes remittance processing via a network of purchase prices to a securities company account database for data management of the account of a securities company opened by a person As a system, it is for making a computer function.

  Note that the above-described program or a part thereof is, for example, a magneto-optical disk (MO), a read-only memory (CD-ROM) using a compact disk (CD), a CD recordable (CD-R), a CD rewritable. (CD-RW), read-only memory (DVD-ROM) using digital versatile disk (DVD), random access memory (DVD-RAM) using DVD, flexible disk (FD), magnetic tape, Recording, storage, distribution, etc. on a recording medium such as a hard disk, read only memory (ROM), electrically erasable and rewritable read only memory (EEPROM), flash memory, random access memory (RAM), etc. For example, LAN, MAN, WAN, Internet, intranet, extranet wired network or a wireless communication network, and further is capable of transmitting using a transmission medium such as a combination thereof, also can be delivered by placing the carrier. Furthermore, the program described above may be a part of another program, or may be recorded on a recording medium together with a separate program.

  As described above, according to the present invention, when a customer places a sales order using the sales instruction input screen on the customer terminal device, the brokerage server performs the brokerage processing of the securities by the brokerage server. As it is executed and fund settlement processing is performed by the broker server and the brokerage server, or by the broker server, the customer separates the procedure for buying and selling orders from the brokerage firm and the procedure for transferring funds associated with trading transactions. Since it is not necessary to perform these procedures, it is possible to reduce the time and effort of customers compared to the case where these procedures are performed separately, and it is possible to realize an online transaction system that is more convenient and easier to use than conventional systems. There is an effect.

  An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows the overall configuration of a securities trading system 1 according to this embodiment. FIG. 2 is a flowchart showing the flow of the first half of processing of a securities trading transaction by the securities trading system 1. FIG. 3 and FIG. 4 are flowcharts showing the flow of the latter half of the processing of securities trading by the securities trading system 1 for immediate settlement transactions and ordinary transactions (so-called fourth day transactions), respectively. Has been. Moreover, the example of a screen accompanying the process by the securities trading system 1 is shown in FIGS. 5-7, and the flow of data is shown in FIG.

  In FIG. 1, a securities trading system 1 is operated and managed by each securities company and one or a plurality of customer terminal devices 10 operated by each customer (investor) who trades securities. It is operated and managed by one or more securities company servers 20 that perform processing related to the buying and selling of securities based on customer orders, and brokers (for example, banks, etc.) that broker each customer and each securities company. An intermediary server 30 that performs processing is connected to the network 2.

  The network 2 is, for example, the Internet, an intranet, an extranet, a LAN, a MAN, a WAN, or a combination thereof, regardless of whether it is wired or wireless.

  The customer terminal device 10 is mainly realized by a general-purpose computer (such as a personal computer or a higher-level computer), but is not limited to this, and for example, a mobile phone (including PHS) or a portable information terminal. (PDA) or the like may be used as long as the performance of the central processing unit (CPU), the screen resolution, the memory capacity, and the like are suitable for the present invention.

  The securities company server 20 is constituted by a computer, and includes a trading processing means 21, a customer account deposit / withdrawal supplementary processing means 22, an intermediary account deposit / withdrawal processing means 23, and a trading result information transmitting means 24. Yes. The securities company server 20 is connected to a customer securities holding information database 25, a customer account database 26, and a broker account database 27.

  The buying and selling processing means 21 includes a buying and selling processing execution unit 21A that executes buying and selling processing of securities based on buying and selling agency information (see FIG. 8, details will be described later) transmitted from the broker server 30 via the network 2. And a fixed amount calculation unit 21B that calculates various fixed amounts including a sale price or a purchase price based on the sales process execution result by the sales process execution unit 21A (see step S9 in FIG. 2).

  The trading process execution unit 21A may be configured to directly execute an order execution process with respect to a stock exchange, or may be configured to perform a process of requesting execution of an order to another trading transaction system.

  The fixed amount calculation unit 21B is based on the sale price or purchase price (the purchase price obtained by multiplying the traded quantity (number of trading stocks) of the promised transaction and the trading unit price) determined by performing the processing by the trading process execution unit 21A. The commission fee is calculated using a commission fee table (not shown), and the consumption tax on the commission fee is calculated. Further, the fixed amount calculation unit 21B calculates the brokerage fee as an amount of a certain rate (for example, 20%) of the commission fee. Furthermore, when a plurality of accounts are selected as settlement processing accounts by the customer, the fixed amount calculation unit 21B receives the amount of money received or debited specified by the customer for each account, and the amount of each of those accounts. In accordance with the priority order set by the customer, a process for determining the deposit / withdrawal amount of each account is performed. Note that various fixed amount information (sale price or purchase price, and other fixed amount information) calculated by the fixed amount calculation unit 21B as described above are all transmitted in the present embodiment as trading result information. It becomes a part of the trading result information (see FIG. 8) transmitted to the broker server 30 by the means 24.

  In addition, the fixed amount calculation unit 21B performs processing for calculating various fixed amounts for each brokerage server 20 for each brokerage company that has been traded by its own brokerage company. If the transaction for which the fixed amount calculation processing cannot be performed only by the amount calculation unit 21B, that is, the result of the buying and selling process performed by the securities company server 20 of another securities company is not grasped, the fixed amount calculation processing may be performed. For transactions that cannot be performed, the fixed amount calculation processing means 41 of the broker server 30 performs a part of various fixed amount calculation processes or a support process for calculation. For example, in the case of a buy order, as shown in FIG. 5, which will be described later, the customer designates one securities company to be ordered by the ordering securities company designating unit 110 of the buying order screen 100 which is a trading instruction input screen, Since the trading process is performed by the designated securities company, no other securities company is involved. Therefore, the commission fee, consumption tax, and brokerage fee are determined according to the sales or purchase price of the transaction conducted by the designated brokerage firm, and the customer account opened at the brokerage firm and brokerage firm. When a plurality of accounts are selected as settlement processing accounts, the deposit / withdrawal amount of each account considering the priority order is also determined, and therefore data communication with the fixed amount calculation processing means 41 of the broker server 30 is performed. Instead, all fixed amount calculation processing is performed by the fixed amount calculation unit 21B of the securities company server 20 of the designated securities company.

  In the case of a sell order, as shown in FIG. 7 to be described later, a customer designates a plurality of securities companies to place an order in an order brokerage company specifying unit 210 of a sell order screen 200 which is a trade instruction input screen. Accordingly, it is possible to collectively sell securities owned by a plurality of securities companies that are individually stored and managed. Therefore, when only one brokerage company is designated by the brokerage ordering company designation unit 210, the fixed amount calculation processing means 41 of the broker server 30 is exchanged with the brokerage server 30 as in the case of the purchase order described above. Without performing data communication, the fixed amount calculation unit 21B of the securities company server 20 of the designated single securities company calculates all fixed amounts, that is, the commission fee and consumption tax, and the brokerage fee and priority. A process of calculating a fixed amount for the amount of money in and out of each account in consideration is performed.

  On the other hand, when the customer designates a plurality of brokerage firms (for example, brokerage firm X and brokerage firm Y) in the brokerage ordering firm designation unit 210 in FIG. If the data of the results (sales price or purchase price determined for each company's transaction processing amount) is not prepared, the total amount of the sales price or purchase price (total amount for each company's transaction processing) cannot be calculated. Therefore, only the fixed amount calculation unit 21B of the securities company server 20 of one company cannot determine the deposit / withdrawal amount of each account in consideration of the commission fee, the consumption tax, the brokerage fee, and the priority order. When the ratio of the selling price or the buying price that is actually sold and confirmed at each company does not match the ratio of the trading volume (number of trading shares) at the order stage entered by the customer on the sell order screen 200 Therefore, in this case, it is not possible to grasp the final sales or purchase price for other companies from the final sales or purchase price for the company. Accordingly, when a plurality of securities companies to be ordered are designated, the fixed amount calculation unit 21B of each securities company server 20 performs data communication with the fixed amount calculation processing means 41 of the broker server 30. Calculate various fixed amounts.

  More specifically, when a plurality of brokerage companies are designated by the customer, after the buying and selling processing by the buying and selling processing execution unit 21A of the buying and selling processing means 21 of the securities company server 20 of each company is executed, the securities of each company The fixed amount calculation unit 21B of the company server 20 transmits the sales price or purchase price for the company that has been fixed by performing the processing by the sales processing execution unit 21A to the broker server 30 via the network 2 together with the order identification information. To do. In the broker server 30, the fixed amount calculation processing means 41 receives the sale price or purchase price for each securities company and stores it in the order database 57. At this time, the portion of each order that has been shared and sold by each securities company is linked with the order identification information. When the sales price or purchase price for all the securities companies designated by the customer is stored in the order database 57 connected to the broker server 30, the fixed amount calculation processing means 41 of the broker server 30 is stored. The total amount of sales or purchase for each company, the commission fee and consumption tax, the brokerage fee, and the deposit / withdrawal amount of each account in consideration of the priority are calculated from the broker server 30 via the network 2. Are transmitted to the securities company server 20 of each company, and are received by the fixed amount calculation unit 21B of each company.

  The customer account deposit / withdrawal supplement processing means 22 performs processing for complementing the settlement process by the customer account deposit / withdrawal processing means 39 of the broker server 30 (see step S11 in FIG. 3 and step S27 in FIG. 4). More specifically, the customer account deposit / withdrawal supplementary processing means 22 is confirmed by performing the buying / selling processing by the buying / selling processing means 21 for the amount not settled by the customer account deposit / withdrawal processing means 39 of the broker server 30. In the case of a sell order based on the sale price or purchase price, or other fixed amount information calculated in accordance with these amounts (consignment fee and consumption tax in this embodiment), sales agent information (Figure 8), the customer account database 26 for data management of the customer account opened in the securities company is searched using the customer account identification information included in the account as a key, and the customer account data is updated by updating the data of the corresponding customer account. A settlement process including a process of depositing a sale price into the account database 26 is performed. This settlement process includes a commission fee and consumption tax withdrawal process. On the other hand, in the case of a buy order, the customer account database 26 for data management of customer accounts opened in a securities company is searched using the customer account identification information included in the brokerage transaction information as a key, and the corresponding customer account is searched. By updating the data, the settlement process including the withdrawal process of the purchase price from the customer account database 26 is performed. This settlement process includes a commission fee and consumption tax withdrawal process.

  Note that the settlement processing by the customer account deposit / withdrawal supplement processing means 22 is only for the customer account database 26 (customer account opened in the securities company) connected to the securities company server 20, and is used as an intermediary. Since the portion for the customer account database 51 connected to the trader server 30 (customer account opened by the broker) is processed by the customer account deposit / withdrawal processing means 39 of the broker server 30, the customer account deposit / withdrawal supplement is performed. It is not a processing target by the processing means 22.

  The broker account deposit / withdrawal processing means 23 sells orders based on the sale price or purchase price determined by the sale processing means 21 and the other purchase price information calculated according to these prices. In the case of, the settlement process including the process of depositing the sale price to the broker account database 27 is performed, and in the case of a purchase order, the settlement process including the process of withdrawing the purchase price from the broker account database 27. (See step S10 in FIG. 3 and step S26 in FIG. 4). Here, in the settlement process including the process of depositing the sales price, the broker receives the sales price that the customer should receive from the brokerage company instead and temporarily receives the sales price. Disbursement processing of consignment fees and consumption taxes that are temporarily replaced by brokers paying brokerage commissions and related consumption taxes paid to brokerages, and depositing brokerage commissions that brokerages pay brokers A process is included, and each of these processes may be performed simultaneously, or may be performed separately in order. In addition, the settlement process, including the withdrawal process for the purchase price, includes the withdrawal process for the purchase price, in which the broker pays the purchase price to be paid to the securities company by the broker instead. Brokerage fees paid by brokers and brokerage fees paid by brokers on behalf of brokerage brokers instead of brokerage commissions and consumption taxes, and brokerages paid by brokerages to brokerages Each of these processes may be performed simultaneously at the same time or separately in order.

  More specifically, the broker account deposit / withdrawal processing means 23 first performs a settlement process based on broker broker identification information (such as a financial institution code indicating a broker) transmitted from the broker server 30 as trading agent information. Broker account identification information (financial institution) for identifying an account of a broker established in a brokerage company (in this embodiment, brokerage company X) that is predetermined in accordance with the broker's intention as a contract account Code, branch code, account number, etc.) are acquired from a broker specified account storage means (not shown) connected to the securities company server 20 (in this embodiment, the securities company server 20 of the securities company X). In addition, it is good also as a structure which includes such broker agent account identification information in the brokerage information, and transmits from the broker server 30. Then, the sale price or purchase price determined by performing the sale processing by the sale processing means 21 or other fixed amount information calculated according to these amounts (in this embodiment, the commission fee and the consumption tax, and In the case of a sell order based on the brokerage fee, the broker account database 27 for data management of the broker's account opened at the securities company is searched as a broker account identification information key, and the corresponding broker's account By updating the account data, a settlement process including a process of depositing the sales price to the broker account database 27 is performed. On the other hand, in the case of a purchase order, using the broker account identification information as a key, the broker account database 27 for managing data of broker account opened in the securities company is searched, and the data of the corresponding broker account is searched. Is updated, settlement processing including withdrawal processing of the purchase price from the broker account database 27 is performed.

  In the present embodiment, for convenience of explanation, the brokerage company account deposit / withdrawal processing means 23 is provided in the brokerage company server 20 operated and managed by the brokerage firm X (hereinafter sometimes referred to as “X securities”). On the other hand, the brokerage company account deposit / withdrawal processing means 23 is not provided in the brokerage company server 20 operated and managed by the brokerage company Y (hereinafter sometimes referred to as Y securities), but instead. Description will be made assuming that the processing is performed by the securities company account deposit / withdrawal processing means 40 of the broker server 30.

  Further, in this embodiment, the broker account deposit / withdrawal processing means 23, in the case of a sell order, displays the sales price to the broker account database 27 for data management of the broker account opened in the securities company. Although it is configured to perform a settlement process including a deposit process, an intermediary account database (not shown) connected to the intermediary server 30 in order to manage data of an intermediary account established by the intermediary To manage payment processing including remittance processing through the network 2 of the sale price, or data of brokerage accounts established in brokers other than brokers (for example, banks affiliated with brokers) It may be configured to perform settlement processing including remittance processing via the network 2 of the sale price to a broker account database (not shown) connected to a broker system other than the broker. . When performing remittance processing via these networks 2, the broker account identification information (financial institution code, branch code, account number, etc.) is transmitted to the broker server 30 and the system of a broker other than the broker. .

  The trading result information transmitting means 24 includes trading result information including a selling price or a buying price determined by performing trading processing by the trading processing means 21 or other fixed price information calculated according to these prices. A transaction statement and a settlement completion notification are transmitted to the broker server 30 via the network 2 (see step S12 in FIG. 3 and steps S21 and S28 in FIG. 4). Here, in the trading result information, in this embodiment, as an example, the trading information about the contracted transaction, brand information (brand code, brand name), market, trading volume (in this embodiment, the number of trading shares), In addition to trading order execution information such as trading prices (trading unit price, total trading value), brokerage company identification information (financial institution code, etc.) to identify the brokerage that sold and commissioned commissions paid by the customer to the brokerage firm To identify the account of the customer designated as the account for settlement processing, including fixed amount information on brokerage commissions paid by brokerage firms and consumption tax, and brokerage commissions paid by brokerage firms, and deposits and withdrawals of sales and purchases Account identification information (financial institution code, branch code, account number, etc.), final deposit / withdrawal amount information for each account, order identification information (order code, etc.), etc. are included (see FIG. 8).

  Of the above trading result information, the confirmed deposit / withdrawal amount information for each account will be performed with the deposit / withdrawal amount information for the customer account database 26 already processed by the customer account deposit / withdrawal supplement processing means 22 of the securities company server 20. The deposit / withdrawal amount information for the customer account database 51 to be processed by the customer account deposit / withdrawal processing means 39 of the broker server 30 is included. Further, as will be described later, the order identification information (order code or the like) is attached to each order by the broker server 30, and the sales agent information transmitted from the broker server 30 to the securities company server 20, the securities It plays a role of linking sales result information returned from the company server 20 to the broker server 30 as information relating to a series of transactions.

  The customer securities holding information database 25 stores, for each customer, holding information (including securities balance data) of customer securities stored and managed by a securities company. The customer securities holding information database 25 includes customer identification information for a securities company (customer ID assigned to the customer by the securities company) and holding information of the customer's securities (including securities balance data). It is stored in a corresponding form.

  The customer account database 26 stores customer account data (including account balance data) established at a securities company for each customer. The account of each customer is, for example, a so-called securities general account, and specifically, for example, MRF (Money Reserve Fund: Additional Public Bond Investment Trust) or MMF (Money Management Fund: Additional Type). (Corporate bond investment trust) account. In the present embodiment, description will be made assuming that the account is an MRF account as an example.

  The broker account database 27 stores data of broker account opened in the securities company. This broker account database 27 may be integrated with the customer account database 26 and managed in the same manner as the account data of each customer.

  The broker server 30 is configured by a computer, and includes an input screen transmission unit 31, an account balance data acquisition unit 32, a securities balance data acquisition unit 33, a market price information acquisition unit 34, a trade instruction information reception unit 35, and a balance. It includes a check processing unit 36, a trading agent information transmission unit 37, an account hold processing unit 38, a customer account deposit / withdrawal processing unit 39, a securities company account deposit / withdrawal processing unit 40, and a fixed amount calculation processing unit 41. It is configured. The broker server 30 also includes a reference value storage means 50, a customer account database 51, a securities company account database 52, a brokerage fee database 53, an authentication database 54, a customer identification information conversion table 55, a customer account. Identification information storage means 56 and order database 57 are connected.

  The input screen transmission means 31 displays information for displaying a trade instruction input screen (see FIGS. 5 to 7) for a customer to give an instruction regarding trade including a trade order of securities via the network 2. (See step S5 in FIG. 2). Here, the instructions regarding trading include: trading, designation of securities company, brand of securities to be sold or purchased (brand code, brand name), market, trading volume (in this embodiment, number of shares), market / limit In addition to specifying the order details such as the limit amount, for example, specifying the account for deposits or remittance to which the sale price is transferred, the account for withdrawal from which the purchase price is deducted, and deposit / withdrawal for each of these accounts Includes designation of amounts and setting priorities. Also, input of customer identification information for brokers (customer ID given to brokers by brokers) and identification information (customer's PIN, password, iris, fingerprint, voiceprint, etc.) for identifying the person making the order Is also included.

  The account balance data acquisition unit 32 obtains the account of the customer from the customer account identification information storage unit 56 based on the customer identification information for brokers (customer ID given to the customer by the brokers) included in the trade instruction information. The customer account identification information for identification is acquired, and using this customer account identification information as a key, the balance data of the customer's account is acquired from the customer account databases 26 and 51 (step S3 in FIG. 2). reference). More specifically, the account balance data acquisition unit 32 searches the customer account database 51 using the customer account identification information as a key when acquiring balance data from the customer account database 51 connected to the broker server 30. Thus, when the balance data of the corresponding customer's account is acquired, and when the balance data is acquired from the customer account database 26 connected to the securities company server 20, the customer account identification information is sent to the securities company server 20. By transmitting, the balance data of the corresponding customer's account extracted through the search process by the securities company server 20 with respect to the customer account database 26 is received from the securities company server 20 via the network 2.

  This account balance data acquisition means 32 acquires the data of each account from the customer account database 51 when there are a plurality of customer accounts opened in the broker for the accessing customer, and sends it to the securities company. When there are a plurality of opened accounts of the customer, the data of each of the accounts is acquired from the customer account database 26, and there are a plurality of brokerage firms with brokerage contracts (for example, brokerage firms). X and securities company Y.) When there are one or more accounts of the respective customers for each of these securities companies, the data of each account of each securities company is connected to each securities company server 20 Obtained from the customer account database 26 (the customer account database 26 of the securities company X and the customer account database 26 of the securities company Y), respectively. If there is no customer account opened at the securities company for the accessing customer, there is no need to acquire data from the customer account database 26. In addition, even if there is an account of the customer opened in the securities company for the accessing customer, the balance data of the account is not acquired, but one or more accounts of the customer opened in the brokerage company are acquired. A system configuration may be adopted in which only balance data is acquired and displayed, and only one or a plurality of accounts of the customer opened in the broker are selected as accounts to be selected.

  The securities balance data acquisition means 33 obtains the holding information of the securities held by the customers under the management of the securities company from the customer securities holding information database 25 connected to the securities company server 20, and stores the securities company server 20 and the network 2. The process which acquires through this is performed. More specifically, the securities balance data acquisition means 33 converts broker customer identification information included in the buying and selling instruction information into securities company customer identification information using the customer identification information conversion table 55 to convert the securities company server 20. To the customer securities holding information database 25, the securities company server 20 uses the securities company server 20 as a key to search the securities company customer identification information as a key. Is received via the network 2.

  When there are a plurality of securities companies with which the broker has contracted, this securities balance data acquisition means 33 is a customer securities holding information database 25 (securities) connected to each securities company server 20 of the plurality of securities companies. Securities balance data is obtained from the customer securities holding information database 25 of the company X and the customer securities holding information database 25 of the securities company Y, respectively. Note that securities purchased by selecting a certain securities company (for example, securities company X) via an intermediary may be sold unless the securities company X is selected via the broker. Such as when it is not possible to sell securities that are held and managed by brokerage firm X through other intermediaries, or when it is not possible to sell securities by directly accessing brokerage firm X. In addition, when the brokerage agent records the trading transaction through itself in the brokerage brokerage database, the securities balance data acquisition means 33 can store the customer's securities holding information. It is good also as a structure which acquires the possession information of securities from the sales mediation database (not shown) for sales mediation information recording connected to the broker server 30.

  The market price information acquisition means 34 performs processing for acquiring market price information of securities from the securities price information providing system 60 or the securities company server 20 via the network 2.

  The buying / selling instruction information receiving unit 35 receives the buying / selling instruction information input by the customer using the buying / selling instruction input screen (see FIGS. 5 to 7) transmitted by the input screen transmitting unit 31 from the customer terminal device 10 via the network 2. Receiving process. Here, trading instruction information includes the type of trading, designation information of securities companies, brand information of securities to be sold or purchased (brand code, brand name), market selection information, trading volume (number of trading shares), In addition to the order contents such as limit price and limit price, for example, identify the account of the customer selected and specified on the buying and selling instruction input screen as an account for settlement processing including deposit and withdrawal processing of sale price and purchase price Customer account identification information (financial institution code, branch code, account number, etc.), input / output amount and priority for each account, and input using the trading instruction input screen (not only keyboard and mouse input, screen The customer identification information (customer ID assigned to the customer by the broker) and identity authentication information (customer's PIN number, password, etc.) , Iris, fingerprint, include voiceprint, etc.), etc. (see FIG. 8).

  Further, the buying / selling instruction information receiving means 35 refers to the authentication database 54 connected to the broker server 30 and whether the broker customer identification information transmitted from the customer terminal device 10 corresponds to the personal authentication information. By determining whether or not, an authentication process for confirming whether or not the accessing customer is the principal is performed.

  Note that the above trading instruction information does not necessarily have to be transmitted and received all at once. By repeating the transmission and reception of data between the customer terminal device 10 and the broker server 30 a plurality of times, all of the trading instruction information is finally transmitted. It is good also as a structure by which trading instruction information is received by the trading instruction information receiving means 35. For example, a configuration may be adopted in which after performing the authentication process by transmitting / receiving the customer identification information for the broker and the personal authentication information, the sales order content information, the account selection designation information, etc. are transmitted / received. Therefore, the screen for inputting the customer identification information for the broker and the user authentication information and the screen for inputting the order details and selecting and selecting the account do not have to be the same screen. The input screen may be composed of a plurality of screens.

  The balance check processing means 36, based on the buying / selling instruction information received by the buying / selling instruction information receiving means 35 and the balance data of the customer's account acquired by the account balance data acquiring means 32, the balance of the customer's account responds to the buying order by the customer. A process is performed to determine whether or not the allowable amount is exceeded (see step S7 in FIG. 2). Here, the allowable amount in the case of immediate settlement transaction (see FIG. 3) is based on the premise that the necessary amount must already be prepared in the account at the time of customer access. In the case of, the trial order amount (necessary amount) of the purchase price, etc. displayed on the buying and selling instruction input screen (see Fig. 5), that is, the same amount as the total amount of withdrawal specified for each account by the customer, In this case, as shown below, the amount is the same as the maximum value of the change in purchase price considering the price limit. On the other hand, the allowable amount in the case of the so-called fourth day transaction (see FIG. 4) is an example in the present embodiment, assuming that the necessary amount is prepared in the account by the fourth business day (after three days). In the case of limit orders, a certain percentage of the estimated amount (necessary amount) of the purchase price displayed on the buying and selling instruction input screen (see Fig. 5), that is, the total amount of withdrawal specified by the customer for each account In the case of a market order, as shown below, it is assumed to be an amount of a certain ratio (for example, a half amount) with respect to the maximum value of the fluctuation amount of the purchase price in consideration of the price limit. In the case of the so-called fourth day transaction (see Fig. 4), if the half amount is allowed as described above, the risk that the other half amount is not prepared by the customer is all due to the broker. On the other hand, it is possible to adopt a mechanism that the brokerage firm does not bear at all (that is, a mechanism in which an intermediary temporarily changes the total amount of money paid to the brokerage firm and it becomes impossible to collect part of the money from the customer). Therefore, in such a mechanism, whether the allowable amount is set high or low depends on the management policy of the broker.

  Further, the balance check processing means 36, when a plurality of accounts are selected as accounts for settlement processing including the withdrawal processing of the purchase price by the customer, the total amount of the balances of the selected plurality of accounts is the customer. A process is performed to determine whether or not the amount exceeds the allowable amount that can satisfy the purchase order.

  Further, the balance check processing unit 36 calculates the maximum value of the fluctuation amount of the purchase price by referring to a price range restriction table (not shown) using the reference value stored in the reference value storage unit 50, and sets the calculated maximum value. Based on this, it is determined whether or not the balance of the customer's account is equal to or greater than an allowable amount that can satisfy the purchase order by the customer. Here, the price range limit table stores a reference value amount and a limit value range amount corresponding to the reference amount. For example, if the amount of the reference value (stock unit price) is less than 100 yen, the limit value range (width against the unit price) will be 30 yen above and below, and if the amount of the reference value is 200 yen or more and less than 500 yen, the limit Correspondences such as a price range of 80 yen up and down are stored. Accordingly, the balance check processing means 36 acquires the reference value (unit price) stored in the reference value storage means 50, and refers to the price limit table based on this reference value, and the amount on the upper limit side of the fluctuation range (unit price) ( Width)), the upper limit value of the purchase unit price is calculated, and the upper limit value of the purchase unit price is calculated by multiplying the upper limit value of the purchase unit price by the number of shares to be purchased included in the purchase instruction information received by the purchase instruction information receiving means 35. Calculate the maximum amount of change in the price.

  The trading agent information transmitting unit 37 creates trading agent information necessary for processing related to the buying and selling of securities by the securities company server 20 based on the buying and selling instruction information by the customer received by the buying and selling instruction information receiving unit 35. The information is transmitted to the securities company server 20 via the network 2 (see step S8 in FIG. 2). Here, trading brokerage information includes: trading information, stock information (stock code, stock name) of securities to be sold or purchased, market selection information, trading volume (number of trading shares), market / limit price, limit price In addition to the order contents such as the amount of money, for example, customer account identification for identifying the account of the customer selected and specified on the buying and selling instruction input screen as an account for settlement processing including deposit and withdrawal processing of sale price and purchase price Information (financial institution code, branch code, account number, etc.), deposit / withdrawal amount and priority for each account, customer identification information for securities companies that identifies customers related to orders (customer IDs assigned to customers by securities companies, etc.) Further, broker identification information (such as a financial institution code) for identifying a broker that has performed the brokerage, order identification information (such as an order code), and the like are included (see FIG. 8). These trading agency information and trading instruction information are written for each order in the order database 57 connected to the broker server 30 by the trading agency information transmitting means 37 and trading instruction information receiving means 35, and at least a series related to brokerage. Are stored and stored until the transaction is completed, and various information relating to each order can be read based on the order identification information.

  Further, the trading agent information transmission means 37 performs processing for generating and giving order identification information (order code or the like) for identifying each order from each customer for each order. Thereby, when there is a reply of information from the securities company server 20, that is, when the broker server 30 receives the trading result information transmitted by the trading result information transmitting means 24 of the securities company server 20, the trading It is possible to grasp which order information is the result information.

  Furthermore, the brokerage agent information transmission means 37 uses the customer identification information conversion table 55 to obtain broker company customer identification information (customer ID given to the customer by the broker) (the brokerage company is the customer). To customer ID etc. attached to). In addition, the customer identification information conversion database may be connected to the securities company server 20 so that the broker company server 20 performs conversion processing from the broker customer identification information to the securities company customer identification information. The brokerage agent information transmitting means 37 transmits the broker customer identification information as it is to the securities company server 20 without performing the conversion process. Also, when the broker customer identification information and the brokerage customer identification information are the same (when the brokerage company and the broker share the customer identification information), it is necessary to perform such conversion processing. Absent. Further, when both the customer identification information for the broker and the customer identification information for the securities company are input by the customer on the buying and selling instruction input screen and both of them are transmitted from the customer terminal device 10 as buying and selling instruction information. There is no need to perform conversion processing.

  And brokerage identification information (financial institution code, etc.) is sent as brokerage information when brokerage from one brokerage company is contracted with one brokerage firm. This is so that the securities company can grasp this.

  Moreover, in this embodiment, the customer account identification information transmitted to the securities company server 20 as trading agency information is customer account identification information for a customer account opened at both the broker and the securities company. However, the customer account identification information about the customer's account opened at the broker is stored for each order in the order database 57 connected to the broker server 30 as described above, and returned from the securities company server 20. Since it can be read based on the order identification information, the customer account identification information itself for the customer account opened at the broker is always transmitted to the securities company server 20 as trading agent information, and the securities There is no need to perform processing for returning the company server 20 to the broker server 30. In the case where the processing for transmitting the customer account identification information about the customer's account opened in the broker as described above to the securities company server 20 as trading agency information is not performed, the order identification information, and If the confirmed deposit / withdrawal amount information for the customer's account opened in the broker is transmitted as the sale result information, the broker server 30 can perform settlement processing for the customer's account opened in the broker. .

  When it is determined that the balance of the customer's account is equal to or greater than the allowable amount in the processing by the balance check processing unit 36, the account hold processing unit 38 determines at least the amount corresponding to the allowable amount of the customer's account balance. Free use is prohibited, or the customer's free use is prohibited for the amount corresponding to the correction allowable amount corrected based on the sales result information transmitted via the network 2 by the sales result information transmitting means 24 of the securities company server 20 Hold processing is performed (see step S22 in FIG. 4). In this embodiment, the latter correction allowable amount is used as a reference. Here, in the case of the so-called fourth day transaction (see FIG. 4), the correction allowable amount is based on the assumption that the necessary amount is prepared in the account by the fourth business day (after three days). As an example, to the finalized purchase price calculated by multiplying the sales unit price and the trading volume (number of trading stocks) for the contracts included in the trading result information, the commission fee according to the finalized purchase price and A certain amount of money (for example, half of the money) plus the consumption tax. In the case of an immediate settlement transaction (see FIG. 3), the brokerage is carried out on the assumption that the required amount has already been prepared in the account at the time of customer access, and the required amount is immediately withdrawn. Therefore, there is no need to perform a hold process. In addition, on the same day settlement transactions (for afternoon transactions, transactions that are delivered and settled on the morning of the following day) or special contract settlement transactions (transactions that are settled on a specified date within 15 days from the date of sale) In this case, it is preferable to perform the hold process as in the case of the ordinary transaction (the fourth day transaction).

  The customer account deposit / withdrawal processing means 39 responds to the confirmed sale price or purchase price included in the trading result information (see FIG. 8) transmitted from the securities company server 20 via the network 2, or according to these amounts. In the case of a sell order based on the other fixed amount information calculated in this embodiment (the commission fee and the consumption tax in this embodiment), the settlement includes at least a part of the deposit processing of the sale price to the customer account database 51. In the case of a purchase order, a settlement process including a withdrawal process of at least a part of the purchase price from the customer account database 51 is performed (see step S14 in FIG. 3 and step S30 in FIG. 4). ). Here, “at least a part of the sale price” and “at least a part of the purchase price” means that the customer account deposit / withdrawal processing means 39 performs a deposit / withdrawal process for a part of the sale price or purchase price. Is taken into account, and the remaining part of the deposit / withdrawal process may be performed by the customer account deposit / withdrawal supplement processing means 22 of the securities company server 20. In addition, the settlement process, which includes at least a part of the sale price in the case of a sell order, includes at least a part of the sale price, as well as the brokerage commission paid by the customer to the securities company and the related consumption tax. Are included, and each of these processes may be performed at the same time or separately in order. In addition, for settlement processing including withdrawal processing of at least part of the purchase price in the case of a buy order, in addition to withdrawal processing of at least a part of the purchase price, the brokerage commission paid by the customer to the securities company and the related fee A withdrawal process of at least a part of the consumption tax is included, and each of these processes may be performed at the same time or separately in order.

  More specifically, in the case of a sell order, the customer account deposit / withdrawal processing means 39 is the trading instruction information (see FIG. 8) transmitted from the customer terminal device 10 and stored in the order database 57 or a securities company. Data management of customer accounts opened in brokers using customer account identification information (financial institution code, branch code, account number, etc.) included in trading result information (see FIG. 8) transmitted from server 20 as a key The customer account database 51 is searched and the account data of the corresponding customer is updated, thereby performing a settlement process including a deposit process of at least a part of the sales price to the customer account database 51. On the other hand, in the case of a buy order, the customer account database 51 for data management of the customer's account opened in the broker is searched using the customer account identification information included in the sale instruction information or sale result information as a key, and The settlement process including the withdrawal process of at least a part of the purchase price from the customer account database 51 is performed by updating the customer account data.

  In the present embodiment, the customer account deposit / withdrawal processing means 39, in the case of a sell order, includes a settlement process including at least a deposit process of the sale price to the customer account database 51 connected to the broker server 30. It was configured to perform processing, but it is connected to the system of a non-intermediary vendor in order to manage the account data of a customer opened at a vendor other than the broker (for example, a bank affiliated with the broker). Further, it may be configured to perform a settlement process including a remittance process via at least a part of the sales price to the customer account database (not shown). In this case, the customer account deposit / withdrawal processing means 39 transmits the customer account identification information to a system of a merchant other than the broker.

  The securities company account deposit / withdrawal processing means 40 determines the fixed sale price or purchase price included in the trading result information (see FIG. 8) transmitted from the securities company server 20 via the network 2, or these amounts. In the case of a sell order based on other fixed amount information calculated in accordance with this (in this embodiment, consignment fee and consumption tax, and brokerage fee), the securities company account database 52 for data management of the account of the securities company Settlement processing including withdrawal processing of the sales price from the bank (processing to withdraw the sales price temporarily deposited by the securities company from the account of the securities company). Settlement processing including payment processing of purchase price to company account database 52 (processing to transfer purchase price temporarily changed by securities company to account of securities company) Those (see step S29 in FIG step S13 and FIG. 3 4). Here, the settlement process including the withdrawal process of the selling price includes the withdrawal process of the sales price that the customer should receive from the securities company, the commission fee that the customer should pay to the securities company, and the processing of depositing the consumption tax related thereto, In addition, the brokerage company pays brokerage fees to the brokerage company, and each of these processes may be performed simultaneously or separately. In addition, payment processing including payment processing for the purchase price includes payment processing for the purchase price that the customer should pay to the securities company, consignment fee that the customer should pay to the securities company, and receipt processing for the consumption tax, and the securities company. Includes a process of withdrawing a brokerage fee to be paid to the broker, and each of these processes may be performed at the same time or separately in order.

  More specifically, the securities company account deposit / withdrawal processing means 40 first performs settlement processing based on securities company identification information (such as a financial institution code indicating a securities company) transmitted from the securities company server 20 as trading result information. Securities company account identification information (financial institution code, branch code, account number, etc.) for identifying the account of a securities company established in a brokerage that is predetermined according to the intention of the securities company in the contract as an account for use Obtained from a securities company designated account storage means (not shown) connected to the broker server 30. Such a securities company account identification information may be included in the trading result information and transmitted from the securities company server 20. In the case of a sell order, the securities company account database 52 for data management of the securities company account opened in the broker is searched using the securities company account identification information as a key, and the data of the corresponding securities company account is searched. Is updated, the settlement process including the withdrawal process of the selling price from the securities company account database 52 is performed. On the other hand, in the case of a buy order, the securities company account database 52 is searched using the securities company account identification information as a key, and the purchase of the securities company account database 52 is performed by updating the data of the corresponding securities company account. Settlement processing including payment processing.

  In the present embodiment, for convenience of explanation, for the securities company Y, processing by the securities company account deposit / withdrawal processing unit 40 is performed, while processing by the broker account deposit / withdrawal processing unit 23 of the securities company server 20 is not performed. Since the brokerage company X is described as being processed by the broker account deposit / withdrawal processing means 23 of the brokerage company server 20, the broker company account deposit / withdrawal processing means 40 is not processed. In the present embodiment, the securities company account deposit / withdrawal processing means 40 exclusively performs settlement processing relating to the securities company Y. However, the settlement processing for both the securities company X and the securities company Y may be performed by the processing by the broker account deposit / withdrawal processing means 23 of the securities company server 20, or the settlement processing for both is performed by the securities company account deposit / withdrawal processing means. 40 may be performed.

  In the present embodiment, the brokerage account deposit / withdrawal processing means 40, in the case of a purchase order, deposits the purchase price into the brokerage company account database 52 connected to the broker server 30 (the brokerage firm temporarily It is configured to perform settlement processing including processing that transfers the purchase price in the form of a repurchase to a brokerage firm account), but other than brokers (for example, banks that partner with brokers) Settlement including remittance processing through the network 2 of the purchase price to a securities company account database (not shown) connected to a broker system other than an intermediary in order to manage the data of the account of the securities company opened in It is good also as a structure which performs a process. In this case, the securities company account deposit / withdrawal processing means 40 transmits the securities company account identification information to a system of a trader other than the broker.

  The fixed amount calculation processing means 41 performs part of the fixed amount calculation processing performed by the fixed amount calculation unit 21B of the securities company server 20 or supports the calculation when a plurality of brokerage companies are designated by the customer. The process which performs is performed. The fixed amount calculation processing means 41 receives the sales price or purchase price for each company, which is individually transmitted together with the order identification information, from the fixed amount calculation unit 21B of each securities company server 20, and receives the order identification. Based on the information, the sales price or purchase price for each company is stored in the record of the corresponding order in the order database 57. Subsequently, when the sales price or purchase price for all the securities companies designated by the customer is stored in the order database 57, the fixed amount calculation processing means 41 performs the sales price or purchase price for each securities company. Calculate the total amount of the payment, calculate the brokerage fee using the brokerage fee table (not shown) according to the total amount of the sale price or purchase price, and further consider the consumption tax, brokerage fee, and priority Calculate the deposit / withdrawal amount for each account. Then, the total amount of the sale price or purchase price calculated, the commission fee, the consumption tax, the brokerage fee, and the deposit / withdrawal amount of each account in consideration of the priority order are transmitted to each securities company server 20 via the network 2.

  The fixed amount calculation processing means 41 calculates the total sales price or purchase price for each securities company, and transmits it to each securities company server 20 via the network 2. Thus, the deposit / withdrawal amount of each account may be calculated in consideration of the commission fee, consumption tax, brokerage fee, and priority. The brokerage information transmitted to the brokerage company server 20 of each company includes brokerage company identification information of another brokerage company, and after processing by the brokerage processing execution unit 21A of each brokerage company server 20, A configuration may be adopted in which the selling price or buying price for other securities companies is grasped by transmitting and receiving data between the company servers 20 via the network 2. In this case, for example, from the brokerage company servers 20 of all brokerage companies designated by the customer, the determined sales price or purchase price for the company is sent together with the order identification information to all the other brokerage server servers 20. It may be configured that the calculation processing of the deposit / withdrawal amount of each account in consideration of the commission fee, the consumption tax, the brokerage fee, and the priority order is individually performed by each securities company server 20 or a plurality of them. The securities company server 20 to be the secretary in the securities company server 20 of the company is determined by the brokerage information from the broker server 30 and the brokerage server 20 of the manager serves the brokerage server 20 of other companies. The sales price or purchase price for processing is sent together with the order identification information via the network 2 to be concentrated, and the securities company server 20 serving as the managing director sells the sales price. Alternatively, after calculating the total amount of the purchase price, the total amount of the purchase price or purchase price is transmitted together with the order identification information from the securities company server 20 serving as the manager to all other securities company servers 20 via the network 2. It is good. Therefore, when data is transmitted / received between the securities company servers 20 via the network 2 as described above, the order identification information plays a role of linking information of each company.

  In addition to transactions in which multiple brokerage companies have been designated by the customer, the fixed price calculation processing means 41 is used to determine the sale or purchase price (in the case of multiple companies, each company) for all transactions. Processing to calculate the fixed amount for the deposit and withdrawal amount of each account considering the commission fee, consumption tax, brokerage fee, and priority order. It is good also as a structure to perform. In this case, the fixed amount calculation unit 21B of the securities company server 20 does not perform the fixed amount calculation process itself, but only transmits and receives data to and from the fixed amount calculation processing unit 41.

  The reference value storage means 50 stores the closing price or the quote price of the previous day's stock price, which becomes the reference value for the price limit when a market order is placed. The reference value stored in the reference value storage unit 50 is data acquired by the market price information acquisition unit 34 from the securities price information providing system 60 or the securities company server 20 via the network 2.

  The customer account database 51 stores data of each customer's account opened at the broker for each customer.

  The securities company account database 52 stores account data of each securities company opened in the broker for each securities company. Note that the securities company account database 52 may be integrated with the customer account database 51 and managed in the same row as the account data of each customer.

  The brokerage fee database 53 stores data on brokerage fees (including the total amount) received by brokers from securities companies. Data such as the total amount of brokerage fees stored in the brokerage fee database 53 is, for example, whether or not brokerage fees have been received by collating with data in the brokerage account database 27 connected to the securities company server 20. Used for confirmation work.

  The authentication database 54 includes, as authentication data, customer identification information for the broker of each customer (customer ID assigned to the customer by the broker) and personal authentication information (customer PIN, password, iris, fingerprint, voiceprint) Etc.) in correspondence with each other.

  The customer identification information conversion table 55 includes customer identification information for brokers (customer IDs assigned to customers by brokers), customer identification information for securities companies (customer IDs assigned to customers by securities companies), and the like. Is stored. The customer identification information is not limited to the customer ID, and may be, for example, a customer name, a telephone number, an e-mail address, an address, a nickname, or a combination thereof.

  The customer account identification information storage means 56 stores customer account identification information (financial institution code, branch code, account number, etc.) for identifying each customer's account established at an intermediary or a securities company for each customer. It is. The customer account identification information storage means 56 includes customer identification information for a customer broker (such as a customer ID assigned to the customer by the broker) and one or more items for identifying one or more accounts of the customer. A plurality of customer account identification information is stored in a corresponding form. When creating data to be stored in the customer account identification information storage means 56, an account designated as an account selection candidate for settlement processing by the customer at the time of online contract or document contract at the first access of the customer. The customer account identification information may be stored, and thereafter, the customer account identification information to be stored may be changed by adding / deleting / changing registration of the customer's online or written selection candidate account. Based on the customer identification information for the broker of the customer, customer account identification information is automatically extracted from the customer account database 51 for an account that can be a candidate account for each customer, and the securities company server 20 identifies the customer for the securities company of each customer. Based on the information, the customer account information about the accounts that can be selected candidate accounts of each customer from the customer account database 26 is obtained. The information is automatically extracted, it may be stored customer account identification information is automatically extracted.

  The customer account identification information storage means 56 stores customer account identification information for one or a plurality of selection candidate accounts for each customer, and there is only one selection candidate account for a certain customer. Even if a situation occurs in which the customer can select only that unique account at the time of access for the sales transaction, the customer selects the only account in the system. On the other hand, customer-specified account storage information connected to the broker server 30 or the securities company server 20 is stored in the customer account identification information for an account specified in advance by the customer (an account used as a settlement processing account). It is good also as a structure memorize | stored in a means. In this case, the customer account identification information stored in the customer designated account storage means is different from the customer account identification information for the selection candidate account stored in the customer account identification information storage means 56, and It becomes customer account identification information. Therefore, in this case, the customer does not perform an operation of selecting an account for settlement processing at the time of access for each sales transaction.

  The order database 57 stores the sales instruction information received by the sales instruction information receiving means 35 and the sales agency information transmitted by the sales agency information transmitting means 37 for each order in correspondence with the order identification information. Further, in the order database 57, for a part of transactions (in this embodiment, transactions when a plurality of brokerage companies to be ordered are designated by a customer), each brokerage company (for example, brokerage company X and brokerage company Y). ), When the sale price or purchase price for each company is determined by the sale processing means 21 of the securities company server 20, the fixed amount calculation processing means 41 determines the sale for each company. Trading order execution information such as price or purchase price is written and stored. At this time, the fixed amount calculation processing means 41 receives the trade order execution information transmitted via the network 2 together with the order identification information from the fixed amount calculation unit 21B of each securities company server 20, and uses the order identification information as a key. The order database 57 is searched, and sales order execution information is stored in the corresponding order record.

  In the above, each means 21 to 24 included in the securities company server 20 and each means 31 to 41 included in the broker server 30 are the computers constituting the securities company server 20 and the broker server 30 (if only a personal computer is used). (Including those of higher-order models), and a central processing unit (CPU) provided inside the CPU and one or more programs that define the operation procedure of the CPU.

  Further, the securities company server 20 and the broker server 30 are not limited to those realized by one computer or one CPU, but are distributed by a plurality of computers or the like (processing of each means 21 to 24, 31 to 41). It may be realized by performing functional distributed processing according to contents and distributed processing for improving processing speed by parallel processing.

  Furthermore, each database 25-27, 51-54, 57, each memory | storage means 50,56, the customer identification information conversion table 55, the value range limitation table and commission commission table which are not shown in figure, a broker specified account storage means, and a securities company specified account The storage means includes, for example, a hard disk, ROM, EEPROM, flash memory, RAM, MO, CD-ROM, CD-R, CD-RW, DVD-ROM, DVD-RAM, FD, magnetic tape, or combinations thereof Etc. can be adopted. Since the value range restriction table is a fixed table, it may be realized by describing data in the program. In this case, the value range restriction table finally exists in the main memory when the balance check processing means 36 executes the process. Therefore, the value width restriction table is realized by a storage area on the main memory. The consignment fee table is the same because it is a fixed table.

  In this embodiment, online securities trading transactions are performed using the securities trading system 1 as follows.

  In FIG. 2, a customer (investor) first turns on the power of the customer terminal device 10 that he / she operates, prepares a connection environment to the network 2 such as the Internet by starting up a WEB browser, etc. Online trading of securities is started (step S1).

  Subsequently, the customer sends a URL to a site established by the broker, accesses it, opens the broker's (for example, bank) home page, and on that page, sends a request to send a trade instruction input screen (see FIGS. 5 to 7). (Step S2).

  When the broker server 30 receives the transmission request signal of the trading instruction input screen transmitted from the customer terminal device 10 via the network 2, the brokering server 30 displays the trading instruction input screen for identifying the customer via the network 2. It transmits to the terminal device 10. The customer uses the customer terminal device 10 on the buying / selling instruction input screen or in accordance with the instructions on the buying / selling instruction input screen, and the customer identification information for the broker (customer ID given to the customer by the broker) and the personal authentication information (customer) And the like are transmitted to the broker server 30 via the network 2.

  When the broker server 30 receives the customer identification information for the broker and the personal authentication information (part of the trading instruction information: see FIG. 8) transmitted from the customer terminal device 10 via the network 2, it receives the trading instruction information. The means 35 performs authentication processing using the authentication database 54. If the identity is confirmed as a result of the authentication process, the account balance data acquisition means 32 makes an account of the corresponding customer from the customer account identification information storage means 56 based on the customer identification information for the broker. Customer account identification information (financial institution code, branch code, account number, etc.) for identifying the customer account database 51 and brokerage company server connected to the broker server 30 using the customer account identification information as a key The balance data of the account of the customer who has accessed the broker server 30 is acquired from the customer account database 26 connected to 20 (step S3). At this time, the balance data in the customer account database 26 is searched using the account information by the securities company server 20 as a key after the account balance data acquisition means 32 accesses the securities company server 20 and transmits the customer account identification information. Through the processing, it is transmitted from the securities company server 20 via the network 2 (step S4). The balance data acquisition process of the customer account database 26 may be performed for the customer's access as shown in FIG. 2, but the account balance data acquisition unit 32 periodically performs the balance data acquisition process. The balance data for all customers may be acquired in advance.

  Further, the broker balance data acquisition means 33 converts the broker identification customer identification information included in the buying and selling instruction information into the brokerage customer identification information using the customer identification information conversion table 55 and accesses the securities company server 20. By transmitting the broker company customer identification information, the broker company server 20 performs search processing using the broker company customer identification information as a key, and from the customer securities holding information database 25 connected to the broker company server 20, the broker The balance data of the securities held by the customer who has accessed the server 30 is acquired via the network 2 (steps S3 and S4). As shown in FIG. 2, the acquisition process of the balance data in the customer securities holding information database 25 may be performed only for the customer at the time of the customer access. You may acquire the balance data for all the customers beforehand by performing an acquisition process.

  Further, the market price information acquisition means 34 acquires the market price information (stock price in this embodiment) of the securities from the securities price information providing system 60 or the securities company server 20 via the network 2 (step S3). The market price information acquisition process may be performed at the time of customer access as shown in FIG. 2, but the market price information acquisition means 34 periodically performs the market price information acquisition process to acquire all the listed stocks in advance. You may keep it. In addition, when the acquisition process is performed at the time of customer access, in the case of a sell order, the market price information for all the issues held by the customer may be acquired, or the issue related to the sale order by the customer may be specified. After that, market price information for only that brand may be acquired. In addition, in the case of a buy order, the market price information for only the brand may be obtained after the designation of the brand related to the buy order by the customer, or the market price information for all listed stocks may be obtained. Good.

  Then, the input screen transmitting means 31 transmits information for displaying the trade instruction input screen (see FIGS. 5 to 7) to the customer terminal device 10 via the network 2 (step S5). This display information includes account balance data, securities balance data, and market value information of securities. Then, on the screen of the display means (for example, a liquid crystal display, a CRT display, etc.) of the customer terminal device 10, a trade instruction input screen as shown in FIGS. 5 to 7 is displayed. In FIG. 2, for convenience of explanation, the procedure is to perform processing for transmitting information for displaying a trade instruction input screen (step S4) after acquisition processing of market price information (step S3). In some cases, information may be transmitted and received several times between the customer terminal device 10 and the broker server 30, and a trade instruction input screen is displayed on the screen of the customer terminal device 10, which relates to an order by the customer. After the designation of the issue, the acquisition processing of the market value information of the securities may be performed and the information may be additionally displayed on the screen.

  In FIG. 5, a buy order screen 100 which is one of the buy / sell instruction input screens is a securities ordered from securities companies contracted with a broker (here, two companies, X securities and Y securities). Display / input of information related to a debit account such as purchase order brokerage designation unit 110, order content designation unit 120, trial calculation amount display unit 130, securities balance display unit 140, and purchase price. A debit account information display / input unit 150 and an “order” button 160 are provided.

  The order content designation unit 120 includes a brand code input unit 121, a brand name input unit 122, a market selection unit 123, a trading quantity designation unit 124, a market order selection unit 125, a limit order selection unit 126, and a limit order. And a limit input unit 127 for inputting a limit price when is selected.

  The trial price display unit 130 includes a price display unit 131 that displays a price (unit price) of a brand related to the order designated by the order content designation unit 120, and a purchase price display unit 132 that displays the trial purchase price. A commission fee display section 133 that displays a commission commission according to the estimated purchase price, a consumption tax display section 134 that displays a consumption tax associated with the commission commission, and a commission commission and a consumption tax are added to the purchase price. And a necessary amount display unit 135 for displaying the amount necessary for the purchase.

  The price displayed on the price display unit 131 is the latest price when the market order is selected, that is, the market price acquired by the market price information acquisition means 34. When the limit order is selected, the price input unit 127 displays the price. It will be the limit price entered. For example, in the example shown in the figure, the limit price is entered as 300 yen in the limit price input unit 127, and therefore, 300 yen is displayed in the price display unit 131.

  The purchase price displayed on the purchase price display unit 132 includes the trading volume (number of shares to be purchased) designated by the trading quantity designation unit 124 (for example, 5,000 shares) and the price displayed on the price display unit 131. It is an amount (for example, 1,500,000 yen) calculated by multiplying (for example, 300 yen). The purchase price can be calculated by the customer terminal device 10, but may be calculated by the broker server 30 through communication.

  The commission fee displayed in the commission fee display section 133 is determined according to the purchase price, and the commission fee table is stored in a state where the purchase price and the corresponding commission fee are paired. (Not shown). The commission fee (for example, 10,000 yen) and the consumption tax (for example, 500 yen) displayed on the consumption tax display unit 134 can be calculated by the customer terminal device 10, but communicate with each other through the broker server. You may calculate by 30. Therefore, the commission fee table (not shown) may be transmitted to the customer terminal device 10 together with the trade instruction input screen, or may be stored in the broker server 30.

  The required amount displayed on the required amount display unit 135 is obtained by adding a commission fee (for example, 10,000 yen) and a consumption tax (for example, 500 yen) to the purchase price (for example, 1,500,000 yen). Is calculated. This required amount (1,510,500 yen) can also be calculated by the customer terminal device 10, but may be calculated by the broker server 30 through communication.

  The stock balance display section 140 includes stock information (stock code, brand name, number of shares, purchase date, purchase date) held by the customer under the control of the brokerage firm (X Securities and Y Securities) contracted with the broker. Unit price) is displayed for each stock of each securities company.

  The debit account information display / input unit 150 includes a branch display unit 151, a branch code display unit 152, an account number display unit 153 for each account opened by the customer, and the balance of each account individually for each account. An account balance display unit 154 to be displayed, and a debit amount input designation unit 155 for selecting an account for a settlement process for debiting a purchase price and the like and for individually inputting and designating an amount to be deducted from each selected account for each account And a priority order setting unit 156 that individually sets the priority order for performing withdrawal processing from each account for each account. In the example shown in the figure, an account of an ordinary deposit of two branches opened at a bank (the bank) as an intermediary, an account of an MRF that is a securities general account opened at X Securities, and a securities opened at Y Securities. An MRF account that is a general account is displayed.

  The customer first designates the order securities company in the order securities company designation unit 110, instructs the order contents in the order content designation unit 120, and then the required amount (1,510, 500 yen), and the balance of each account displayed in the account balance display section 154, the amount of money necessary for the purchase will be deducted from which of your own accounts, what will you do with the share of each account Then, the withdrawal amount input designation unit 155 inputs the withdrawal amount for each account, and the priority order setting unit 156 sets the priority order for each account. In the example shown in the figure, 1,000,000 yen (priority order 1) is assigned to the savings account of the Ida branch of the bank (the bank), which is an intermediary, and 300,000 yen (priority priority) is assigned to the savings account of the Omori branch. In order 2), 210,500 yen (priority order 3) is input to the XRF MRF account, and the total is 1,510,500 yen. In addition, if the total amount of the withdrawal amount for each specified account does not match the required amount displayed on the required amount display section 135, a display notifying the discrepancy, a number indicating the withdrawal amount, or the withdrawal amount It is preferable that the input designation unit 155 display a warning such as red display. In the example shown in the figure, since the X securities are designated by the ordering securities company designating unit 110, the withdrawal of the Y securities from the MRF account is “impossible”.

  In the present embodiment, as an example, the withdrawal process is performed based on an agreement that an amount designated for an account with a high priority set by the priority setting unit 156 is maintained as much as possible. In the example shown in the figure, the limit order has been selected, but it is assumed that the market order has been selected, and the purchase price of the traded transaction has exceeded the estimated amount of 1,500,000 yen. . For example, if the closing price on the previous day, which is the reference value for the price limit, is 300 yen, the limit price range is 80 yen up and down, and the stock price range for that day is 220 to 380 yen. Here, if 5,000 shares are executed at the maximum unit price of 380 yen, 1,900,000 yen is the final amount of the purchase price. And the commission fee corresponding to this is increased by 2,000 yen to 12,000 yen, and the consumption tax is 600 yen, so the total amount required for the purchase is 1,912,600 yen. Become. At this time, for the 402,100 yen that has been exceeded, first, the MRF account of the X security with the lowest priority is adjusted. In the example shown in the figure, the MRF account balance of X Securities is 2,000,000 yen, and the total amount of 612,600 yen of 210,500 yen of the initial designated amount and 402,100 yen of the excess is withdrawn. Therefore, the over adjustment can be made only with the MRF account of the X security with the lowest priority. As a result, the withdrawal amount from the ordinary deposit account of the priority 1 Kamata branch is unchanged at 1,000,000 yen, and the withdrawal amount from the ordinary deposit account of the Omori branch of priority 2 is 300,000. There is no change in yen, and the withdrawal amount from the MRF account of X securities with priority 3 is changed to 612,600 yen.

  On the other hand, it is assumed that the purchase price of the contracted transaction is less than the estimated amount of 1,500,000 yen. For example, if the purchase price is fixed at 1,100,000 yen, the lower limit of the price limit, a commission fee of 6,000 yen, a consumption tax of 300 yen, a total of 1,106,300 yen, a negative amount of 404,200 The Yen adjustment is first made with the MRF account of the X securities with the priority level 3 and cannot be adjusted by itself. Next, it is made with the ordinary deposit account of the Omori branch with the priority level 2. As a result, the withdrawal amount from the ordinary deposit account of the priority 1 Kamata branch remains unchanged at 1,000,000 yen, and the withdrawal amount from the ordinary deposit account of the priority Omori branch has been changed. The amount deducted from the MRF account of the X securities with priority 3 will be changed to 0 yen.

  In FIG. 6, the sell order screen 200, which is one of the buy / sell instruction input screens, is the securities ordered from the securities companies contracted with the broker (here, two companies, X securities and Y securities). Display / input of information related to a deposit account such as an order brokerage specification unit 210, an order content specification unit 220, a trial calculation amount display unit 230, a securities balance display unit 240, and a sale price. A deposit account information display / input unit 250 to perform and an “order” button 260 are provided.

  The ordering securities company designating unit 210 includes a first ordering securities company designating unit 211 for designating a plurality (in this embodiment, two companies) of ordering securities companies on one screen, and a second ordering securities company. A designation unit 212. Here, it is assumed that X securities and Y securities are designated by the first and second ordering securities company designation units 211 and 212, respectively.

  The order content designation unit 220 designates the trading quantity to be ordered from the securities company designated by the brand code input unit 221, the brand name input unit 222, the market selection unit 223, and the first order brokerage designation unit 211. 1 trading volume designation section 224, first order securities firm display section 224A for displaying the securities firm designated by the first order securities firm designation section 211, and securities designated by the second order securities firm designation section 212 Second trading quantity designation unit 225 for designating the trading quantity to be ordered to the company, second order securities company display unit 225A for displaying the securities company designated by the second order securities company designation unit 212, and market order selection Unit 226, limit order selection unit 227, and limit input unit 228 for inputting a limit price when a limit order is selected.

  The trial calculation amount display unit 230 includes a price display unit 231 that displays a price (unit price) of a brand related to the order specified by the order content specification unit 220, and a sales price display unit 232 that displays the estimated sales price. The commission commission display section 233 that displays the commission commission according to the estimated sales price, the consumption tax display section 234 that displays the consumption tax related to the commission commission, and the commission commission and the consumption tax are subtracted from the sales price. A received amount display unit 235 for displaying the received amount.

  The price displayed on the price display unit 231 is the latest price when the market order is selected, that is, the market price acquired by the market price information acquisition unit 34. When the limit order is selected, the price input unit 228 It will be the limit price entered. For example, in the illustrated example, since the limit price is input as 600 yen in the limit input unit 228, the price display unit 231 displays 600 yen.

  The selling price displayed on the selling price display section 232 includes the trading volume (number of shares sold) (for example, 2,000 shares) designated by the first trading quantity designation section 224 and the second trading quantity designation section. The total quantity (for example, 3,000 shares) of the trading quantity (number of shares sold) (for example, 1,000 shares) specified in 225 and the price (for example, 600 yen) displayed on the price display unit 231 The amount calculated by multiplication (for example, 1,800,000 yen). The selling price can be calculated by the customer terminal device 10, but may be calculated by the broker server 30 through communication.

  The commission fee display section 233 and the consumption tax display section 234 are the same as those in the purchase order screen 100 of FIG. The commission fees for X securities and Y securities are set the same.

  The received amount displayed on the received amount display section 235 is obtained by subtracting a commission fee (for example, 12,000 yen) and a consumption tax (for example, 600 yen) from the selling price (for example, 1,800,000 yen). Is calculated. This received amount (1,787,400 yen) can also be calculated by the customer terminal device 10, but may be calculated by the broker server 30 through communication.

  In the present embodiment, the estimated amount display unit 230 does not display the amount received by subtracting the withholding amount when selecting withholding with a specific account, but a withholding amount display unit is provided. The received amount display unit 235 may display the received amount obtained by subtracting the withholding amount.

  In the securities balance display section 240, stock information (brand code, brand name, number of shares, purchase date, purchase date) of the stock held by the customer under the control of the brokerage firm (X securities and Y securities) contracted with the broker. Unit price) is displayed for each stock of each securities company. The customer can sell the shares displayed here.

  The deposit account information display / input unit 250 includes a broker account selection unit 251 that selects an account of a broker (here, a bank) as a deposit account, and a brokerage company account selection unit 252 that selects a brokerage account as a deposit account. A branch display unit 253 for each account opened by the customer, a branch code display unit 254, an account number display unit 255, and an account balance display unit 256 for individually displaying the balance of each account for each account; When selecting an account for settlement processing such as a sale price, and receiving amount input specifying unit 257 for individually inputting and specifying the amount received by each selected account, and when performing deposit processing to each account And a priority order setting unit 258 for individually setting the priority order for each account. In the example of FIG. 6, similarly to the case of FIG. 5, the account of the ordinary deposit of the two branches opened in the bank (the bank) that is the broker and the account of the MRF that is the securities general account opened in the X securities And an MRF account that is a securities general account opened in Y Securities.

  First, the customer refers to his / her own securities holding information in the securities balance display section 240, knows which brand of stock is ordered to which securities company, and how much quantity can be sold, and then designates the securities company to be ordered. The ordering securities company is designated in the section 210, and the order details are designated in the order detail designation section 220. Next, the received amount (1,787,400 yen) displayed on the received amount display unit 235 is referred to, and the balance of each account displayed on the account balance display unit 256 is referred to to determine the funds obtained by the sale. After deciding which account to receive, and what to do with the distribution ratio to each account, the broker account or securities company account is selected as the deposit account in the broker account selection unit 251 or the securities company account selection unit 252. select. In the example of FIG. 6, it is assumed that the broker account selection unit 251 selects a bank account as a broker. Then, in the receipt amount input designation unit 257, “impossible” is displayed for the MRF accounts of the X securities and the Y securities, and these accounts cannot be selected, so the customer is a bank that is an intermediary. The received amount (1,787,400 yen) displayed in the received amount display section 235 is allocated to the savings account of two branches opened at (the Bank), and the received amount at each account is input and designated. Of course, it is possible to specify that the account is received at the account of one of the branches. In addition, the amount of money (1, 787, 400 yen) displayed in the received money amount display section 235, for example, equally (in this case, divided into two equal amounts) is displayed as default in the savings account of the two branches. It is good also as a structure to be made. Further, the customer sets priorities in the priority order setting unit 258 for the accounts of the ordinary deposits at the two branches.

  In the example of FIG. 6, 1,000,000 yen (priority 1) is placed in the savings account at the Iwata branch of the bank (the bank), which is an intermediary, and 787,400 yen is placed in the savings account at the Omori branch. The priority order 2) is input so that the total is 1,787,400 yen. If the total amount received for each account specified does not match the amount received in the received amount display section 235, a display for notifying the discrepancy, a number indicating the amount received or the amount received It is preferable that the input designation unit 257 display a warning such as red display.

  The order of priority is the same as that of the purchase order screen 100 of FIG. 5. In this embodiment, as an example, an arrangement is made to maintain as much as possible the amount specified for an account with a high priority set by the priority order setting unit 258. Based on the above, a deposit process is performed. Therefore, when the actual amount received is larger than the estimated amount of money received (1,787,400 yen) displayed in the amount received display section 235, first, the ordinary deposit of the lower priority Omori branch On the other hand, when the actual received amount is smaller than the estimated amount (1,787,400 yen) of the received amount displayed on the received amount display unit 235, first, Make adjustments to reduce the amount received in the ordinary deposit account at the lower priority Omori branch.

  FIG. 7 shows an example in the case where the brokerage company account selection unit 252 selects a brokerage company account as a deposit account on the sell order screen 200. Therefore, in the receipt amount input designation section 257, “No” is displayed for the accounts of the ordinary deposits of the two branches established in the bank (the bank) which is the broker, and these accounts can be selected. It is gone. In the example of FIG. 7, the sale price of securities sold and managed by X Securities (here, 2,000 shares of 3,000 shares of Company A) is X Securities. On the other hand, the sale price of the sale of securities (1,000 shares out of 2,000 shares of Company A), which are deposited in the MRF account of the company and stored and managed by Y Securities Is an arrangement for depositing into the MRF account of Y Securities, the distribution ratio of the estimated amount (1,787,400 yen) of the received amount displayed in the received amount display section 235 to each account is Since it is automatically determined, the received amount input designation unit 257 displays the automatically calculated received amount in each account. In the example of FIG. 7, since the number of shares sold in X securities: the number of shares sold in Y securities = 2,000 shares: 1,000 shares, the estimated amount of money received (1,787,400 yen) at this ratio In the MRF account of X Securities, 1,787,400 Yen x (2,000 shares / 3,000 shares) = 1,191,600 Yen is displayed, and in the MRF account of Y Securities, 1,787,400 yen × (1,000 shares / 3,000 shares) = 595,800 yen. However, the proportional distribution calculation with respect to the trial calculation amount of each company can be performed when the commission fee structure of X securities and Y securities is the same. On the other hand, if the brokerage fee system is different, it is necessary to calculate the sales price, brokerage fee, consumption tax, and the estimated amount of money received for each brokerage firm, and after that, each brokerage firm placed an order separately. Therefore, the total amount of commissions to be paid to each securities company will be higher than the case where the commissions are determined in proportion to the total sales price as a bulk order and distributed proportionally as described above. There is also a possibility. Further, such distribution calculation can be performed by the customer terminal device 10, but communication may be performed and distribution calculation may be performed by the broker server 30. When withholding is selected for a specific account, the received amount input designation unit 257 may display the amount after withholding together with the received amount display unit 235.

  Finally, when all the input designations and settings on the buy order screen 100 in FIG. 5 and the sell order screen 200 in FIG. 6 and FIG. 10 through the network 2, trading instruction information (see FIG. 8; however, the customer identification information for the broker and the personal authentication information are excluded because they have already been transmitted using another trading instruction input screen). It is transmitted to the trader server 30 (step S6 in FIG. 2).

  Subsequently, in the broker server 30, when the trading instruction information is received by the trading instruction information receiving means 35, the balance of the customer's account acquired by the balance check processing means 36 by the received trading instruction information and the account balance data acquiring means 32. Based on the data, the balance of the customer's account is checked (step S7). At this time, the balance check processing unit 36 calculates the maximum value of the fluctuation amount of the purchase price by referring to a price range restriction table (not shown) using the reference value stored in the reference value storage unit 50, and calculates the calculated maximum value. Based on the above, it is determined whether or not the balance of the customer's account is equal to or greater than an allowable amount that can satisfy the purchase order by the customer. In the example of FIG. 5, the limit order is selected. However, assuming that the market order is selected, as described above, the maximum value of the fluctuation amount of the purchase price considering the price limit is 1,912, In this embodiment, in the case of an immediate settlement transaction, the same amount as the maximum value of 1,912,600 yen of the fluctuation amount of the purchase price is set as an allowable amount, and so-called fourth day transaction In such a case, a certain amount (for example, half) of the maximum value of the purchase price fluctuation amount of 1,912,600 yen is allowed, and the customer's account balance is equal to or greater than this allowance. Judge whether or not. If the allowable amount is not satisfied as a result of the determination, the fact is displayed on the screen of the customer terminal device 10, and the order contents are reviewed by the customer.

  Then, the broker server 30 generates and assigns order identification information (order code and the like) by the sales agent information transmission unit 37 for the order for which a good check result is obtained by the balance check processing unit 36, and the customer's trading instruction information The brokerage agent information is created based on (see FIG. 8), and the created brokerage agent information is transmitted to the securities company server 20 via the network 2 (step S8).

  When the brokerage server 20 receives the brokerage information, the brokerage processing execution unit 21A of the brokerage processing means 21 executes the order of the customer based on the brokerage information and executes the brokerage process (step S9). In addition, after the transaction is concluded, the fixed amount calculation unit 21B of the transaction processing means 21 calculates the commission fee, consumption tax, brokerage fee from the fixed sale price or purchase price, and further, for the settlement processing by the customer. If more than one account is selected as the account, the deposit / withdrawal amount for each account according to the receipt or withdrawal amount specified by the customer for each account and the priority set by the customer for each of those accounts To confirm. When the customer designates a plurality of brokerage companies, data communication is performed between the fixed amount calculation unit 21B of the securities company server 20 and the fixed amount calculation processing means 41 of the broker server 30. Thus, various fixed amounts are calculated.

  FIG. 3 shows the subsequent processing in the case of an immediate settlement transaction, and FIG. 4 shows the subsequent processing in the case of an ordinary transaction (so-called fourth day transaction).

  In FIG. 3, in the brokerage server 20, the brokerage account deposit / withdrawal processing unit 23 calculates the selling price or the purchasing price determined by performing the trading process by the trading process unit 21 or the amount of these, Based on other fixed amount information (consignment fee, consumption tax, and brokerage fee), the broker account database 27 is searched using the broker account identification information as a key, and the data of the corresponding broker account is extracted and changed. Thus, deposit / withdrawal processing is performed on the broker account database 27 (step S10). However, in the present embodiment, the processing of step 10 is performed in the securities company server 20 of the securities company X for convenience of explanation, but since the processing of step S13 is performed for the securities company Y, the securities of the securities company Y are processed. It is assumed that the company server 20 does not perform the process of step 10. At this time, the brokerage account deposit / withdrawal processing means 23 of the brokerage company server 20 of the brokerage company X is in the form of depositing the selling price (broken by the brokerage in the case of a sell order. 1,800,000 yen x (2,000 shares / 3,000 shares) = 1,200,000 yen.) Disbursement processing of brokerage commissions and consumption taxes paid by customers to securities company X In the example of FIG. 6, (12,000 yen + 600 yen) × (2,000 shares / 3,000 shares) = 8,400 yen), and securities company X becomes an intermediary Payment processing of brokerage fee to be paid (If the brokerage share is 20% of the commission fee and consumption tax, in the example of FIG. 6, it is 8,400 yen × 0.2 = 1,680 yen) I do. Accordingly, the intermediary temporarily deposits the total amount received by the customer by 1,200,000 yen-8,400 yen = 1,191,600 yen, and this amount is processed in step S14 described later. Then, it is credited to the customer's account opened at the broker.

  On the other hand, the brokerage account deposit / withdrawal processing means 23 of the brokerage company server 20 of the brokerage firm X, in the case of a buy order, has a form of withdrawal of the purchase price (the brokerage agent changes the form, in the example of FIG. , 1,500,000 yen.), The commission commission paid by the customer to the securities company and the withdrawal processing of the consumption tax (in the form that the broker changes), in the example of FIG. 5, 10,000 yen + 500 yen = 5), and the brokerage fee payment processing that the brokerage firm pays to the broker (if the brokerage broker's share is 20% of the commission fee and consumption tax, for example, in the example of FIG. , 500 yen × 0.2 = 2,100 yen). Therefore, the brokerage company temporarily changes the total payment amount of the customer by 1,500,000 yen + 10,500 yen = 1,510,500 yen. In this way, when the broker once performs the process of resetting all 1,510,500 yen including the 210,500 yen that is specified by the customer to debit from the MRF account of X securities, it will be described later. In the process of step S11, when the withdrawal process for withdrawing 210,500 yen from the MRF account of the X securities in the customer account database 26 is performed by the customer account deposit / withdrawal supplement processing means 22, this withdrawal amount is used as the broker account. Processing to deposit the money back into the database 27 is performed. In addition, without including 210,500 yen that the customer specified to withdraw from the MRF account of X Securities, the customer will withdraw from the savings account of the two branches of the broker (here, the bank). The broker may temporarily change the designated amount of 1,000,000 yen + 300,000 yen = 1,300,000 yen. Even when such a process is performed, , Deposit the entire amount of 2,100 yen into the broker account database 27.

  Subsequently, in the securities company server 20, the customer account deposit / withdrawal supplement processing means 22 performs the sales processing or purchase price determined by performing the sales processing by the sales processing means 21, or other calculated according to these amounts. The customer account database 26 is searched by using the customer account identification information as a key based on the fixed amount information (consignment fee and consumption tax), and the corresponding customer account data is extracted and changed. A deposit / withdrawal process is then performed (step S11). However, the processing in step S11 is performed only when an account opened in a securities company as an account for settlement processing (in this embodiment, an MRF account for X securities and Y securities) is selected by the customer. . Therefore, when only an account of a broker (for example, a bank) is selected as an account for settlement processing, or when only an account of a broker (for example, a bank) can be selected, the process of step S11 is performed. Not done. At this time, the customer account deposit / withdrawal supplementary processing means 22 receives the selling price in the case of a sell order (in the example of FIG. 7, in the case of the securities company server 20 of the securities company X, 1,800, 000 yen × (2,000 shares / 3,000 shares) = 1,200,000 yen, and in the case of the securities company server 20 of the securities company Y, 1,800,000 yen × (1,000 shares / 3 , 000 shares) = 600,000 yen)), and the commissioning fee paid by the customer and the withdrawal processing of the consumption tax (in the example of FIG. 7, in the case of the securities company server 20 of the securities company X, (12,000 yen + 600 yen) × (2,000 shares / 3,000 shares) = 8,400 yen. In the case of the securities company server 20 of the securities company Y, (12,000 yen + 600 yen) × ( 1,000 shares / 3,000 shares) = 4,200 yen. It is carried out. Therefore, the total amount of the customer is 1,200,000 yen-8,400 yen = 1,191 from the securities company server 20 of the securities company X to the customer's MRF account opened at the securities company X. There is a deposit of 600 yen, and there is a deposit of 600,000 yen-4,200 yen = 595,800 yen from the securities company server 20 of the securities company Y to the customer's MRF account opened in the securities company Y In total, there will be a deposit of 1,787,400 yen.

  On the other hand, in the case of a buy order, the purchase price, the commission fee paid by the customer to the securities company and the withdrawal of consumption tax are processed. In the example of FIG. 5, the customer account deposit / withdrawal supplement processing means 22 of the securities company server 20 of the securities company X withdraws 210,500 yen from the customer's MRF account opened at the securities company X.

  Thereafter, a transaction statement including transaction result information (see FIG. 8) such as a sale price or a purchase price determined by the sale processing unit 21 by the sale processing means 21 is sent via the network 2 by the sale result information transmitting means 24. To the broker server 30 (step S12).

  When the broker server 30 receives the transaction statement including the transaction result information, the brokerage server 30 receives and confirms the sales included in the transaction result information (see FIG. 8) by the securities company account deposit / withdrawal processing means 40 based on the received transaction result information. Search securities company account database 52 using brokerage company account identification information as a key based on the price or purchase price, or other fixed amount information (consignment fee and consumption tax, and brokerage fee) calculated according to these amounts Then, by extracting and changing the data of the account of the corresponding securities company, deposit / withdraw processing is performed on the securities company account database 52 (step S13). However, in the present embodiment, the processing of step S13 is performed for the securities company Y for convenience of explanation, but the processing of step S11 is performed for the securities company X, and thus the processing of step S13 is not performed. And Therefore, in the securities company account database 52, only the data of the account opened by the securities company Y with the broker is changed by the deposit / withdrawal process. At this time, in the case of a sell order, the brokerage server account deposit / withdrawal processing means 40 of the broker server 30 withdraws the selling price that the customer should receive from the brokerage company Y (the brokerage company Y temporarily deposits it). In the example of FIG. 6, the sales price is 1,800,000 yen × (1,000 shares / 3,000 shares) = 600,000 yen. (12,000 yen +600 yen) × (1,000 shares / 3,000 shares) = 4,200 yen in the example of FIG. 6), and securities Withdrawal processing of brokerage commission paid by company Y to broker (if broker broker's share is 20% of brokerage commission and consumption tax, in the example of FIG. 6, 4,200 yen × 0.2 = 840 To be a circle). Therefore, the brokerage company Y has temporarily received the total amount received by the customer, which is 600,000 yen-4,200 yen = 595,800 yen, and this amount is intermediary in the process of step S13. It is debited from the account of the brokerage company opened in the broker (here, the bank), temporarily enters the broker's account, and in the process of step S14 described later, the account of the customer opened in the broker from the broker's account. Will be credited.

  On the other hand, the brokerage company account deposit / withdrawal processing means 40 of the broker server 30 receives a purchase price to be paid by the customer to the securities company Y in the case of a purchase order, a commission fee to be paid by the customer to the securities company Y, and Consumption tax payment processing, and brokerage fees paid by brokerage firm Y to brokers are processed. In the example of FIG. 5, since the securities company Y is not designated as an ordering securities company, the process of step S13 is not performed.

  Then, in the broker server 30, the customer account deposit / withdrawal processing means 39 determines the sale price or purchase price that is confirmed in the trading result information (see FIG. 8), or other values calculated according to these amounts. Based on the fixed amount information (consignment fee and consumption tax), the customer account database 51 is searched using the customer account identification information as a key, and the corresponding customer account data is extracted and changed. The deposit / withdrawal process is performed (step S14). At this time, the customer account deposit / withdrawal processing means 39 of the broker server 30 receives the selling price deposit processing (in the example of FIG. 6, it is 1,800,000 yen) and the customer in the case of a sell order. Performs a commission fee paid to the securities company and a withdrawal process of the consumption tax (in the example of FIG. 6, 12,000 yen + 600 yen = 12,600 yen). Accordingly, the customer receives a total of 1,800,000 yen-12,600 yen = 1,787,400 yen in his / her own account opened at a broker (here, a bank), and the breakdown is Iwata It is 1,000,000 yen for the ordinary savings account of the branch, and 787,400 yen for the savings account of the Omori branch.

  On the other hand, the customer account deposit / withdrawal processing means 39 of the broker server 30 performs a withdrawal process for the purchase price and a withdrawal process for a consignment fee and a consumption tax paid by the customer to the securities company. In the example of FIG. 5, 1,000,000 yen was withdrawn from the savings account of Kamata branch, 300,000 yen was withdrawn from the savings account of Omori branch, and from the customer's account opened at the broker. A total of 1,300,000 yen will be withdrawn. Accordingly, 210,500 yen was deducted from the customer's MRF account opened at the securities company X by the customer account deposit / withdrawal supplement processing means 22 of the securities company server 20 of the securities company X in the process of step S11 described above. In total, 1,300,000 yen + 210,500 yen = 1,510,500 yen has been withdrawn from the customer's account.

  Subsequently, the broker server 30 adds the brokerage fee obtained in the current transaction, and updates the data in the brokerage fee database 53 (step S15). Then, the brokerage database 53 and the brokerage account database 27 connected to the brokerage company server 20 of the brokerage company X are appropriately collated, and whether the brokerage commission received from the brokerage company X is received or not. Confirm.

  Thereafter, a transaction statement is sent from the broker server 30 to the customer terminal device 10 via the network 2 (step S16), and the customer terminal device 10 confirms the transaction statement by the customer on the screen or by printing. After being performed (step S17), a series of online trading transactions is completed (step S18).

  In FIG. 4, in the case of a normal transaction (so-called fourth day transaction), after the transaction process in step S9 in FIG. 2, the transaction statement corresponding to step S12 in FIG. After the settlement process is performed, the settlement information is not included.) (Step S21), the broker hold server 38 performs the account hold process in the case of a purchase order at the broker server 30. This is performed (step S22). At this time, in the present embodiment, the account hold processing means 38 is the unit price for the contract included in the sales result information (in the example of FIG. 5, since it is a limit order, the limit price is 300 yen as it is). And the fixed purchase price (which is 1,500,000 yen in the example of FIG. 5) calculated by multiplying the transaction volume (5,000 shares in the example of FIG. 5) by this The sum of the commission fee and the consumption tax (10,000 yen + 500 yen = 10,500 yen in the example of FIG. 5) according to the price (in the example of FIG. 5, it is 1,510,500 yen) A hold process is performed for the amount corresponding to this amount with a fixed amount (for example, a half amount) of

  Thereafter, a transaction statement is sent from the broker server 30 to the customer terminal device 10 via the network 2 (step S23), and the customer terminal device 10 confirms the transaction statement by the customer on the screen or by printing. After being performed (step S24), the customer terminal device 10 and the broker server 30 are once disconnected and the online process is terminated (step S25).

  Then, on the 4th business day (3 days later) from the transaction establishment date (the date the customer accessed for ordering), the securities company server 20 uses the broker account deposit / withdrawal processing means 23 to perform the steps of FIG. Deposit / withdraw processing for the broker account database 27 corresponding to S10 is performed (step S26), and further, deposit / withdraw processing for the customer account database 26 corresponding to step S11 of FIG. After that (step S27), the transaction result information transmitting means 24 transmits a settlement completion notification including the transaction result information to the broker server 30 via the network 2 (step S28).

  Then, in the broker server 30, the securities company account deposit / withdrawal processing means 40 performs deposit / withdrawal processing for the securities company account database 52 corresponding to step S13 in FIG. 3 (step S29), and further, customer account deposit / withdrawal processing means. 39, after performing deposit / withdrawal processing for the customer account database 51 corresponding to step S14 in FIG. 3 (step S30), the brokerage fee addition processing corresponding to step S15 in FIG. 3 is performed (step S31).

  Thereafter, a payment completion notification is sent from the broker server 30 to the customer terminal device 10 via the network 2 (step S32), and the customer terminal device 10 confirms the payment completion notification by the customer on the screen or by printing. After being performed (step S33), a series of sales transactions is completed (step S34).

  According to this embodiment, there are the following effects. That is, when a customer places a purchase order on the customer terminal device 10 using the buy order screen 100 (see FIG. 5) or the sell order screen 200 (see FIGS. 6 and 7), which is a buy / sell instruction input screen, After intermediary of the server 30, the securities processing server 21 of the securities company server 20 executes the securities trading process, the customer account deposit / withdrawal processing unit 39 of the broker server 30, and the broker of the securities company server 20. Since fund settlement processing is performed by the account deposit / withdrawal processing means 23 or the brokerage server account deposit / withdrawal processing means 40 of the broker server 30, the customer can perform a procedure for buying and selling orders with the brokerage firm and a procedure for transferring funds associated with trading transactions. Since there is no need to perform these procedures separately, it is possible to reduce the labor of the customer compared to the case where these procedures are performed separately, compared with the conventional system. Excellent flight properties, it is possible to realize a user-friendly online trading system.

  Further, since the securities company server 20 is provided with the customer account deposit / withdrawal supplement processing means 22, the settlement processing is supplemented for the amount that the customer account deposit / withdrawal processing means 39 of the broker server 30 does not perform the settlement process. Can do. For this reason, if a customer has an account that can be used as an account for the settlement of securities transactions, not only at an intermediary, but also at a securities company, the intermediary In addition to the customer's account opened at the same time, the customer's account established at the securities company can also be used for settlement processing, and the convenience of the system can be improved.

  Furthermore, since the broker server 30 includes the account balance data acquisition unit 32 and the balance check processing unit 36, the broker according to the purchase order made by the customer when brokering the securities transaction. Since it is possible to determine whether or not the company has funds, it is possible to reduce the risk in dealings with brokers or securities companies.

  Then, the account balance data acquisition means 32 of the broker server 30 opens the plurality of accounts when the customer has opened a plurality of accounts that can be accounts for settlement processing including withdrawal processing of the purchase price. The balance check processing means 36 of the broker server 30 performs a balance check by summing up the balances of a plurality of accounts. You can check your financial margin. On the other hand, since it is possible for the customer to check the customer's funds distributed to a plurality of accounts on the broker side, a plurality of accounts can be selected as settlement accounts for sales transactions. The funds needed for one account are not enough, but the funds needed for multiple accounts can be summed up to provide the necessary funds, or when you want to use the funds from multiple accounts in a distributed manner. It is convenient and convenient, and the labor of collecting funds in one account can be saved when performing a sales transaction.

  Further, the balance check processing unit 36 of the broker server 30 is configured to calculate the maximum value of the fluctuation amount of the purchase price using the reference value of the price range restriction stored in the reference value storage unit 50. When checking the balance of a customer's account, a safe side check can be performed, and the transaction risk of an intermediary or a securities company can be further reduced.

  Further, since the broker server 30 is provided with the account hold processing means 38, it is possible to prevent unintended use (fund outflow) of necessary funds or a part thereof already in the customer's account. Further, it is possible to further reduce the transaction risk of the broker or the securities company.

  The broker server 30 includes an account balance data acquisition unit 32, and an account balance display unit 154 is displayed on the purchase order screen 100 (see FIG. 5) transmitted by the input screen transmission unit 31 of the broker server 30. And a withdrawal amount input designation unit 155 are provided, so that the customer is shown the balance of a plurality of accounts of the customer on the buy order screen 100, and accepts input designation of withdrawal amounts from each of these accounts. be able to. For this reason, customers, for example, have insufficient funds with only funds held in one account, but when the funds held in multiple accounts are combined, the necessary funds are available, or the funds in multiple accounts are distributed. Based on various circumstances such as when you want to use it, you can select multiple accounts as withdrawal accounts, so you can save the customer's work of collecting funds in one account when conducting sales transactions, Moreover, the convenience as a transaction system can be improved.

  Further, the broker server 30 includes a securities balance data acquisition unit 33, and the sell balance screen 200 (see FIGS. 6 and 7) transmitted by the input screen transmission unit 31 of the broker server 30 includes a securities balance. Since the display unit 240 and the received amount input designation unit 257 are provided, the customer is shown an account for showing the balance of the securities held by the customer and receiving the sale price of the securities. You can choose from multiple accounts. For this reason, the customer can grasp the balance information of the securities owned by the customer with reference to the sell order screen 200 and can place a sell order for the securities. In addition, the customer can freely select the account to which the selling price is to be transferred on the sell order screen 200, and the amount received by each account can also be reduced. Since it can be freely specified, it is possible to improve convenience as a trading system.

  Further, priority order setting sections 156 and 258 are provided in the buy order screen 100 (see FIG. 5) and the sell order screen 200 (see FIGS. 6 and 7) transmitted by the input screen transmitting means 31 of the broker server 30. Therefore, even if the total amount entered and specified for each account selected by the customer as an account for payment processing does not match the amount of deposits and withdrawals that are actually confirmed through the sale process, As much as possible, deposits and withdrawals can be made in line with customer intentions.

  The broker server 30 includes the market price information acquisition unit 34, and the buy order screen 100 (see FIG. 5) and the sell order screen 200 (see FIG. 6, FIG. 6) transmitted by the input screen transmission unit 31 of the broker server 30. Since the order content input units 120 and 220 and the trial calculation amount display units 130 and 230 are provided in FIG. 7, the customer does not need to calculate the settlement amount by himself / herself, thereby reducing the trouble of the customer. In addition, you can select multiple accounts as withdrawal accounts for purchase prices and receiving accounts for sale prices, and enter and specify the amount of deposit and withdrawal for each account individually. By referring to the estimated amount displayed on the screen of 100 or sell order screen 200, it is possible to determine the amount of money allocated to each account, and to improve the usability of the system for customers. It can be.

  The settlement process performed by the broker account deposit / withdrawal processing unit 23 of the brokerage server 20 and the brokerage account deposit / withdrawal processor 40 of the broker server 30 also includes a brokerage fee payment process that the brokerage company pays to the broker. Since it is included, a series of settlement processes accompanying brokerage of securities transactions can be executed smoothly.

  Further, the settlement processing performed by the customer account deposit / withdrawal processing means 39 of the broker server 30 and the customer account deposit / withdrawal supplementary processing means 22 of the brokerage server 20 includes payment processing of commission commissions for sales orders and taxes associated with trading transactions. Thus, a series of settlement processes associated with securities transactions can be executed smoothly.

  Since the brokerage fee database 53 is connected to the brokerage server 30, it is possible to confirm whether the brokerage fee has been paid by the securities company.

  Note that the present invention is not limited to the above-described embodiment, and modifications and the like within a scope where the object of the present invention can be achieved are included in the present invention.

  That is, in the said embodiment, as shown in FIGS. 5-7, although the securities trading system 1 was a system which trades stocks, it becomes a transaction object by the securities trading system of this invention. The securities are not limited to stocks, and may be, for example, public and corporate bonds, and further include various funds and financial products based on securities such as stock investment trusts and public and corporate bond investment trusts.

  In the embodiment, as shown in FIG. 5, when placing a buy order, only one securities company can be specified on the buy order screen 100, and when placing an order with another securities company, separately, Although it was set as the structure which performs a buy order, it is good also as a structure which can perform the order to several securities companies simultaneously with one buy order screen.

  As described above, the securities trading system and method and the program thereof according to the present invention are suitable for use when, for example, online trading of securities is performed by using a financial institution such as a bank as an intermediary. .

1 is an overall configuration diagram of a securities trading system according to an embodiment of the present invention. The figure of the flowchart which shows the flow of the first half part of the process of the trading transaction of the securities by the securities trading system of the embodiment. The figure of the flowchart which shows the flow of the latter half part (in the case of immediate settlement transaction) of the process of the trading transaction of the securities by the securities trading system of the embodiment. The figure of the flowchart which shows the flow of the second half part (in the case of what is called a 4th day transaction) of the process of the trading transaction of the securities by the securities trading system of the embodiment. The illustration figure of the purchase order screen displayed with the process by the securities trading system of the said embodiment. The illustration figure of the sell order screen (when the account of the bank which is a broker is selected as a deposit account) displayed with processing by the securities trading system of the embodiment. The illustration figure of the sell order screen (when the account of a securities company is selected as a deposit account) displayed with the processing by the securities trading system of the embodiment. Explanatory drawing which shows the flow of the data accompanying the process by the securities trading system of the said embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Securities trading system 2 Network 10 Customer terminal device 20 Securities company server 21 Trading processing means 22 Customer account deposit / withdrawal supplementary processing means 23 Brokerage company account deposit / withdrawal processing means 24 Trading result information transmitting means 25 Customer securities possession information database 26, 51 customer account database 27 broker account database 30 broker server 31 input screen transmission means 32 account balance data acquisition means 33 securities balance data acquisition means 34 market value information acquisition means 35 buying and selling instruction information receiving means 36 balance check processing means 37 buying and selling agency information Transmission means 38 Account hold processing means 39 Customer account deposit / withdrawal processing means 40 Securities company account deposit / withdrawal processing means 50 Reference value storage means 52 Securities company account database 56 Customer account identification information storage means 100 Buying which is a buying and selling instruction input screen Bungamen 154 account balance display section 155 debit amount of money input specifying section 156,258 selling is a priority setting section 200 buying and selling instruction input screen order screen 240 securities balance display unit 257 receives the amount input specifying section

Claims (19)

A brokerage server that is operated and managed by a securities company and performs processing related to the buying and selling of securities based on customer orders; and a brokerage company that mediates between the customer and the securities company to perform processing related to brokerage. A customer terminal device operated by the customer and an intermediary server connected to the securities company server via a network,
The broker server is
An input screen transmitting means for transmitting information for displaying a trade instruction input screen for the customer to instruct about trading including trading orders of the securities to the customer terminal device via the network;
Trading instruction information receiving means for receiving trading instruction information input by the customer using the trading instruction input screen transmitted by the input screen transmitting means from the customer terminal device via the network;
Based on the trading instruction information received by the trading instruction information receiving means, trading agency information necessary for processing related to trading of the securities by the securities company server is created, and the trading agency information is generated via the network. Trading agent information transmitting means for transmitting to the server;
Based on the confirmed sale price or purchase price included in the trading result information transmitted from the securities company server via the network or other fixed price information calculated according to these prices, the customer's Customer account entry / exit for settlement processing including at least a part of the sale price to the customer account database for account data management or a transfer process of at least a part of the purchase price from the customer account database Including gold processing means,
The securities company server is:
Trading processing means for performing trading processing of the securities based on the trading agency information transmitted from the broker server via the network by the trading agency information transmitting means;
Brokerage account for data management of the brokerage agent's account based on the sale price or purchase price that has been finalized by this trading processing means or other fixed price information calculated according to these prices Brokerage account deposit / withdrawal processing means for performing settlement processing including depositing or remittance processing of selling price to the database or withdrawal processing of purchase price from the brokerage account database;
Trading result information transmitting means for transmitting the trading result information including the confirmed selling price or buying price to the broker server via the network,
The customer account deposit / withdrawal processing means of the broker server is:
In the case of a sell order, the customer account identification information included in the buy / sell instruction information or the buy / sell result information or the customer specified in advance by the customer and stored in the customer designated account storage means connected to the broker server Using the account identification information as a key, search the customer account database for data management of the customer's account opened in the broker, and sell the customer account database by updating the data of the corresponding customer's account. Payment processing including payment processing of at least a part of the payment, or data of the customer's account opened in the merchant other than the broker by sending the customer account identification information to the system of the merchant other than the broker Settlement process including remittance processing via the network of at least a part of the sale price to the customer account database for management Perform at least one of the settlement process of the,
In the case of a purchase order, the customer account identification information included in the trading instruction information or the trading result information or the customer specified in advance by the customer and stored in the customer designated account storage means connected to the broker server Using the account identification information as a key, the customer account database for data management of the customer's account opened in the broker is searched, and purchase from the customer account database is performed by updating the data of the corresponding customer's account. It is configured to perform settlement processing including withdrawal processing of at least part of the payment amount,
The broker account deposit / withdrawal processing means of the securities company server is:
In the case of a sell order, the broker account identification information included in the brokerage information or the broker account specified in advance by the broker and stored in the broker designated account storage means connected to the securities company server Using the identification information as a key, search the broker account database for data management of the broker account opened in the securities company, and update the data of the corresponding broker account to the broker account database. The broker account database for data management of the broker's account opened in the broker by sending the broker account identification information to the broker server; Settlement processing including remittance processing through the network of sales price to or before the system of the merchant other than the broker Settlement including remittance processing through a network of sales price to the broker account database for data management of the broker account opened by a broker other than the broker by transmitting broker account identification information Perform at least one of the payments
In the case of a purchase order, the broker account identification information included in the brokerage information or the broker account specified by the broker in advance and stored in the broker designated account storage means connected to the securities company server Using the identification information as a key, search the broker account database for data management of the broker's account opened in the securities company, and update the data of the corresponding broker's account data by the broker's account database. A securities trading system characterized in that it is configured to perform settlement processing including withdrawal processing for purchases from the Company. A brokerage server that is operated and managed by a securities company and performs processing related to the buying and selling of securities based on customer orders; and a brokerage company that mediates between the customer and the securities company to perform processing related to brokerage. A customer terminal device operated by the customer and an intermediary server connected to the securities company server via a network,
The broker server is
An input screen transmitting means for transmitting information for displaying a trade instruction input screen for the customer to instruct about trading including trading orders of the securities to the customer terminal device via the network;
Trading instruction information receiving means for receiving trading instruction information input by the customer using the trading instruction input screen transmitted by the input screen transmitting means from the customer terminal device via the network;
Based on the trading instruction information received by the trading instruction information receiving means, trading agency information necessary for processing related to trading of the securities by the securities company server is created, and the trading agency information is generated via the network. Trading agent information transmitting means for transmitting to the server;
Based on the confirmed sale price or purchase price included in the trading result information transmitted from the securities company server via the network or other fixed price information calculated according to these prices, the customer's Customer account entry / exit for settlement processing including at least a part of the sale price to the customer account database for account data management or a transfer process of at least a part of the purchase price from the customer account database Gold processing means;
Based on the final sale price or purchase price included in the trading result information transmitted from the securities company server via the network or other fixed price information calculated according to these prices, the securities Securities company account deposit / withdrawal processing means for performing settlement processing including withdrawal processing of sales proceeds from a securities company account database for data management of company accounts or depositing or remittance of purchase prices to the securities company account database And comprising
The securities company server is:
Trading processing means for performing trading processing of the securities based on the trading agency information transmitted from the broker server via the network by the trading agency information transmitting means;
Trading result information transmitting means for transmitting the trading result information including the selling price or the buying price determined by performing trading processing by the trading processing means to the broker server via the network, and
The customer account deposit / withdrawal processing means of the broker server is:
In the case of a sell order, the customer account identification information included in the buy / sell instruction information or the buy / sell result information or the customer specified in advance by the customer and stored in the customer designated account storage means connected to the broker server Using the account identification information as a key, search the customer account database for data management of the customer's account opened in the broker, and sell the customer account database by updating the data of the corresponding customer's account. Payment processing including payment processing of at least a part of the payment, or data of the customer's account opened in the merchant other than the broker by sending the customer account identification information to the system of the merchant other than the broker Settlement process including remittance processing via the network of at least a part of the sale price to the customer account database for management Perform at least one of the settlement process of the,
In the case of a purchase order, the customer account identification information included in the trading instruction information or the trading result information or the customer specified in advance by the customer and stored in the customer designated account storage means connected to the broker server Using the account identification information as a key, the customer account database for data management of the customer's account opened in the broker is searched, and purchase from the customer account database is performed by updating the data of the corresponding customer's account. It is configured to perform settlement processing including withdrawal processing of at least part of the payment amount,
The securities company account deposit / withdrawal processing means of the broker server is:
In the case of a sell order, the brokerage company account identification information included in the trading result information or the brokerage company account preliminarily designated by the brokerage company and stored in the brokerage company designated account storage means connected to the broker server The securities company account database by searching the securities company account database for data management of the securities company account opened in the broker using the identification information as a key, and updating the data of the corresponding securities company account Settlement processing including withdrawal processing of the sale price from
In the case of a buy order, the brokerage company account identification information included in the trading result information or the brokerage company account stored in the brokerage company designated account storage means designated in advance by the brokerage company and connected to the broker server The securities company account database by searching the securities company account database for data management of the securities company account opened in the broker using the identification information as a key, and updating the data of the corresponding securities company account Settlement processing including payment processing of the purchase price to the broker, or the account of the brokerage company opened in the broker other than the broker by sending the broker company account identification information to the broker system other than the broker Configuration for performing settlement processing including remittance processing through the network of purchase price to the securities company account database for data management Securities trading system, characterized in that it has been. The securities company server is:
Based on the sale price or purchase price determined by performing the sale processing by the sale processing means or other fixed amount information calculated according to these amounts, by the customer account deposit / withdrawal processing means of the broker server Provide customer account deposit and withdrawal supplementary processing means to supplement the settlement process,
This customer account deposit / withdrawal processing means
For the portion in which payment processing is not performed by the customer account deposit / withdrawal processing means of the broker server,
In the case of a sell order, the customer account identification information included in the brokerage information or the customer account identification information preliminarily designated by the customer and stored in the customer designated account storage means connected to the securities company server is used as a key. Processing for depositing the sale price into the customer account database by searching the customer account database for data management of the customer account opened in the securities company and updating the data of the corresponding customer account Payment processing including
In the case of a buy order, the customer account identification information included in the brokerage transaction information or the customer account identification information specified in advance by the customer and stored in the customer designated account storage means connected to the securities company server is used as a key. Withdrawing the purchase price from the customer account database by searching the customer account database for data management of the customer account opened in the securities company and updating the data of the corresponding customer account The securities trading system according to claim 1 or 2, wherein a settlement process including a process is performed. The broker server is
Account balance data acquisition means for acquiring balance data of at least one account of the customer from the customer account database;
Based on the trading instruction information received by the trading instruction information receiving means and the balance data of the customer account acquired by the account balance data acquiring means, the balance of the customer account can respond to a buying order by the customer. Balance check processing means for determining whether or not the amount exceeds the allowable amount,
The broker server is connected to customer account identification information storage means for storing customer account identification information for identifying the customer account opened in the broker or the securities company for each customer.
The account balance data acquisition means includes:
Obtaining customer account identification information for identifying the corresponding customer account from the customer account identification information storage means, and using the customer account identification information as a key, one or more of the customers established in the broker A process of obtaining balance data of one or more accounts of the corresponding customer from the customer account database by searching the customer account database for account data management, or one of the customers established in the securities company At least one of the processes of acquiring balance data of one or more accounts of the customer from the customer account database for data management of one or more accounts via the securities company server and the network With the configuration,
The process of acquiring balance data of one or more accounts of the customer via the securities company server and the network,
The customer account identification information for identifying the corresponding customer account is acquired from the customer account identification information storage means, and the customer account identification information is transmitted to the securities company server, thereby establishing the securities company. Balance data of one or a plurality of accounts of the corresponding customer extracted through a search process by the securities company server with respect to the customer account database for data management of one or a plurality of customer accounts is sent from the securities company server. Processing received via the network;
Obtaining customer account identification information for identifying a corresponding customer account from the customer account identification information storage means, and using the customer account identification information as a key, one or more of the customers established in the securities company One or more accounts of the corresponding customer from the copied customer account database by searching the copied customer account database formed by copying the customer account database for account data management and connected to the broker server The securities trading transaction system according to any one of claims 1 to 3, wherein the processing is one of a process for acquiring the balance data of the item. The account balance data acquisition means of the broker server is
When the customer has opened a plurality of accounts that can be accounts for settlement processing including withdrawal processing of purchase price, the balance data of these plurality of accounts is used for the data management of each of these accounts It is configured to obtain from the customer account database,
The balance check processing means of the broker server is
When a plurality of accounts are selected as an account for settlement processing including withdrawal processing for purchase price by the customer, the total amount of the balances of the selected plurality of accounts may be in accordance with a purchase order by the customer. The securities trading system according to claim 4, wherein the system is configured to determine whether or not the allowable amount is exceeded. In the broker server,
Reference value storage means for storing the closing price or quote price of the previous day's stock price, which becomes the reference value of the price limit when a market order is placed, is connected,
The balance check processing means of the broker server is
The maximum value of the fluctuation amount of the purchase price is calculated using the reference value stored in the reference value storage means, and based on the calculated maximum value, the balance of the customer's account responds to the purchase order by the customer. 6. The securities trading system according to claim 4, wherein it is configured to determine whether or not an allowable amount is exceeded. The broker server is
When the balance check processing means determines that the balance of the customer's account is equal to or greater than the allowable amount, the customer's free use of the balance of the customer's account for at least the amount corresponding to the allowable amount Or prohibit the free use of the customer for the amount corresponding to the corrected allowance corrected based on the trading result information transmitted via the network by the trading result information transmitting means of the securities company server An securities hold transaction system according to any one of claims 4 to 6, further comprising account hold processing means for performing hold processing. The broker server is
Account balance data acquisition means for acquiring balance data of a plurality of accounts of the customer from the customer account database for data management of each of these accounts,
The broker server is connected to customer account identification information storage means for storing customer account identification information for identifying the customer account opened in the broker or the securities company for each customer.
In the buying and selling instruction input screen transmitted by the input screen transmitting means of the broker server,
When the customer places a purchase order, an amount for selecting at least one account from a plurality of accounts of the customer as an account for settlement processing including withdrawal processing of purchase price, and withdrawing from the selected account Debit amount input designation part for individually entering and designating for each account,
An account balance display unit for individually displaying the balance of the plurality of accounts of the customer for each account based on the balance data of each account acquired by the account balance data acquisition means;
The account balance data acquisition means acquires customer account identification information for identifying a corresponding customer account from the customer account identification information storage means, and is established in the broker using the customer account identification information as a key. Processing for obtaining balance data of one or more accounts of the corresponding customer from the customer account database by searching the customer account database for data management of one or more accounts of the customer, or the securities company Processing for acquiring balance data of one or more accounts of the customer from the customer account database for data management of one or more accounts of the customer opened in the network via the securities company server and the network. By performing at least one of the processes, the balance data of the plurality of accounts of the customer is acquired. It is a,
The process of acquiring balance data of one or more accounts of the customer via the securities company server and the network,
The customer account identification information for identifying the corresponding customer account is acquired from the customer account identification information storage means, and the customer account identification information is transmitted to the securities company server, thereby establishing the securities company. One or more accounts of the corresponding customer extracted through a search process using the customer account identification information by the securities company server as a key for the customer account database for data management of one or more accounts of the customer Processing for receiving balance data from the securities company server via the network;
Obtaining customer account identification information for identifying a corresponding customer account from the customer account identification information storage means, and using the customer account identification information as a key, one or more of the customers established in the securities company One or more accounts of the corresponding customer from the copied customer account database by searching the copied customer account database formed by copying the customer account database for account data management and connected to the broker server One of the processes to acquire the balance data of
A plurality of accounts to be selected in the withdrawal amount input designation part provided on the trading instruction input screen and a plurality of accounts to be displayed in the account balance display part are:
2. One or a plurality of accounts of the customer opened in the broker, or a plurality of accounts of one or a plurality of accounts of the customer opened in the securities company. The securities trading system according to any one of? The broker server is
Processing for acquiring the holding information of the securities held by the customer under the management of the securities company from the customer securities holding information database connected to the securities company server via the securities company server and the network. Securities balance data acquisition means for performing or acquiring from a brokerage database for trading brokerage information recording connected to the broker server,
The process of acquiring via the securities company server and the network is as follows:
The broker customer identification information included in the trading instruction information is converted into securities company customer identification information and transmitted to the securities company server, or the broker company customer identification information included in the trading instruction information is converted to the securities. Sent to the company server, or the broker agent customer identification information is sent to the brokerage server and converted to the brokerage company customer identification information by the brokerage company server, or shared with the brokerage company customer identification information The broker broker customer identification information is transmitted to the securities company server, and extracted through a search process using the securities company customer identification information by the securities company server as a key to the customer securities holding information database. A process of receiving, through the network, the holding information of the securities of the corresponding customer who has been received from the securities company server;
The copied customer securities holding information is searched by searching a copied customer securities holding information database formed by copying the customer securities holding information database using the customer identification information for the securities company as a key and connected to the broker server. One of a process of acquiring the holding information of the relevant customer's securities from the database,
The processing to be acquired from the sales brokerage database is as follows:
The process of obtaining the securities holding information of the corresponding customer from the trading brokerage database by searching the trading brokerage database with the broker customer identification information included in the trading instruction information as a key,
In the buying and selling instruction input screen transmitted by the input screen transmitting means of the broker server,
When the customer places a sell order, at least one account is selected from the plurality of accounts of the customer as an account for a settlement process including a deposit or remittance process of a selling price, and the selected account receives the selected account. Receiving amount input designation part for individually entering and specifying the amount for each account,
A securities balance display unit for displaying holding information of the securities acquired by the securities balance data acquisition means;
A plurality of accounts to be selected in the received amount input designation unit provided on the buying and selling instruction input screen,
2. One or a plurality of accounts of the customer opened in the broker, or a plurality of accounts of one or a plurality of accounts of the customer opened in the securities company. The securities trading system according to any one of? In the buying and selling instruction input screen transmitted by the input screen transmitting means of the broker server,
Based on the total amount of money input and designated for each account selected by the customer as an account for the settlement processing, and the actual entry / exit based on the trading result information determined by performing trading processing by the trading processing means of the securities company server A priority order setting unit is provided to set the priority order for each account individually when depositing / withdrawing processing is performed according to a predetermined arrangement when the amount of money does not match. The securities trading system according to claim 8 or 9. The broker server is
Market price information acquisition means for acquiring market price information of the securities,
In the buying and selling instruction input screen transmitted by the input screen transmitting means of the broker server,
An order content input unit for inputting the order content including the brand and trading volume of the securities that the customer orders to buy and sell;
Trial calculation of the settlement amount related to the sale or purchase including the sale price or purchase price calculated using the market volume information of the securities acquired by the trading volume and the market price information acquired by the market price information acquisition means input to the order content input unit The estimated value display part which displays an amount is provided. The securities trading transaction system in any one of Claims 1-10 characterized by the above-mentioned.   In the settlement process including the deposit process by the broker account deposit / withdrawal processing unit of the brokerage company server, the settlement process including the remittance process, and the settlement process including the withdrawal process, the brokerage company provides the broker with the broker 12. The securities trading system according to any one of claims 1, 3 to 11, wherein the brokerage fee payment process is included.   In the settlement process including the deposit process by the brokerage company account deposit / withdrawal processing means of the broker server, the settlement process including the remittance process, and the settlement process including the withdrawal process, the brokerage company provides the broker with the broker 12. The securities buying and selling transaction system according to any one of claims 2 to 11, characterized in that the brokering fee payment processing is included.   The settlement process including the deposit process by the customer account deposit / withdrawal processing unit of the broker server, the settlement process including the remittance process, and the settlement process including the withdrawal process include a process for paying a commission for buying and selling orders and 14. The securities sales transaction system according to claim 1, further comprising a tax payment process associated with the sales transaction.   In the settlement process including the deposit process by the customer account deposit / withdrawal supplement processing means of the securities company server, the settlement process including the remittance process, and the settlement process including the withdrawal process, the payment process of the commission fee for buying and selling orders 4. The securities trading system according to claim 3, further comprising a tax payment process associated with the trading. A customer terminal device operated by a customer who trades in securities, a securities company server which is operated and managed by a securities company and performs processing related to trading of the securities based on orders of the customers, the customer and the securities company The network is connected to a broker server that is operated and managed by a broker that mediates
The input screen transmission means of the broker server transmits information for displaying a trade instruction input screen for the customer to give an instruction regarding trade including the trading order of the securities to the customer terminal device via the network. Process,
The buying / selling instruction information receiving means of the broker server receives the buying / selling instruction information input by the customer using the buying / selling instruction input screen transmitted by the input screen transmitting means from the customer terminal device via the network. Process,
Trading agent information transmitting means of the broker server creates trading agency information necessary for processing related to the trading of the securities by the securities company server based on the trading instruction information received by the trading instruction information receiving means. After performing processing to send trading agent information to the securities company server via the network,
Trading processing means of the securities company server performs trading processing of the securities based on the trading agency information transmitted from the broker server via the network by the trading agency information transmitting means,
The brokerage account deposit / withdrawal processing means of the securities company server is based on the sale price or purchase price determined by performing the trading process by the trading processing means or other fixed price information calculated according to these prices. , Performing a settlement process including depositing or transferring the sale price to the broker account database for data management of the broker account or withdrawal process of the purchase price from the broker account database,
The trading result information transmitting means of the securities company server performs a process of transmitting trading result information including a confirmed selling price or buying price to the broker server via the network,
After that, the customer account deposit / withdrawal processing means of the broker server has the confirmed selling price or purchase included in the trading result information transmitted from the securities company server via the network by the trading result information transmitting means. Payment or remittance processing of at least a part of the sales price to the customer account database for data management of the customer's account based on the payment price or other fixed amount information calculated according to these amounts or the customer account Settlement processing including withdrawal processing of at least part of the purchase price from the database,
When performing processing by the customer account deposit / withdrawal processing means of the broker server,
In the case of a sell order, the customer account identification information included in the buy / sell instruction information or the buy / sell result information or the customer specified in advance by the customer and stored in the customer designated account storage means connected to the broker server Using the account identification information as a key, search the customer account database for data management of the customer's account opened in the broker, and sell the customer account database by updating the data of the corresponding customer's account. Payment processing including payment processing of at least a part of the payment, or data of the customer's account opened in the merchant other than the broker by sending the customer account identification information to the system of the merchant other than the broker Settlement process including remittance processing via the network of at least a part of the sale price to the customer account database for management Perform at least one of the settlement process of the,
In the case of a purchase order, the customer account identification information included in the trading instruction information or the trading result information or the customer specified in advance by the customer and stored in the customer designated account storage means connected to the broker server Using the account identification information as a key, the customer account database for data management of the customer's account opened in the broker is searched, and purchase from the customer account database is performed by updating the data of the corresponding customer's account. Settlement processing including withdrawal processing of at least part of the payment,
When performing processing by the broker account deposit / withdrawal processing means of the securities company server,
In the case of a sell order, the broker account identification information included in the brokerage information or the broker account specified in advance by the broker and stored in the broker designated account storage means connected to the securities company server Using the identification information as a key, search the broker account database for data management of the broker account opened in the securities company, and update the data of the corresponding broker account to the broker account database. The broker account database for data management of the broker's account opened in the broker by sending the broker account identification information to the broker server; Settlement processing including remittance processing through the network of sales price to or before the system of the merchant other than the broker Settlement including remittance processing through a network of sales price to the broker account database for data management of the broker account opened by a broker other than the broker by transmitting broker account identification information Perform at least one of the payments
In the case of a purchase order, the broker account identification information included in the brokerage information or the broker account specified by the broker in advance and stored in the broker designated account storage means connected to the securities company server Using the identification information as a key, search the broker account database for data management of the broker's account opened in the securities company, and update the data of the corresponding broker's account data by the broker's account database. A securities trading method characterized in that settlement processing including withdrawal processing of purchase price from a securities company is performed. A customer terminal device operated by a customer who trades in securities, a securities company server which is operated and managed by a securities company and performs processing related to trading of the securities based on orders of the customers, the customer and the securities company The network is connected to a broker server that is operated and managed by a broker that mediates
The input screen transmission means of the broker server transmits information for displaying a trade instruction input screen for the customer to give an instruction regarding trade including the trading order of the securities to the customer terminal device via the network. Process,
The buying / selling instruction information receiving means of the broker server receives the buying / selling instruction information input by the customer using the buying / selling instruction input screen transmitted by the input screen transmitting means from the customer terminal device via the network. Process,
Trading agent information transmitting means of the broker server creates trading agency information necessary for processing related to the trading of the securities by the securities company server based on the trading instruction information received by the trading instruction information receiving means. After performing processing to send trading agent information to the securities company server via the network,
Trading processing means of the securities company server performs trading processing of the securities based on the trading agency information transmitted from the broker server via the network by the trading agency information transmitting means,
A process in which the trading result information transmitting unit of the securities company server transmits the trading price information including the selling price or the buying price determined by performing the trading process by the trading processing means to the broker server via the network. And
Thereafter, the customer account deposit / withdrawal processing means of the broker server is the sales price or purchase price included in the trading result information transmitted from the securities company server via the network by the trading result information transmitting means. Alternatively, based on other fixed amount information calculated according to these amounts, at least a part of the sale price to the customer account database for data management of the customer account or remittance processing, or from the customer account database Settlement processing including withdrawal processing of at least part of the purchase price of
The brokerage server's securities company account deposit / withdrawal processing means is a confirmed sale price or purchase included in the trading result information transmitted from the securities company server via the network by the trading result information transmitting means. Based on the price or other fixed amount information calculated according to these amounts, the withdrawal processing of the selling price from the securities company account database for data management of the securities company account, or to the securities company account database Settlement processing including deposit or remittance of purchase price,
When performing processing by the customer account deposit / withdrawal processing means of the broker server,
In the case of a sell order, the customer account identification information included in the buy / sell instruction information or the buy / sell result information or the customer specified in advance by the customer and stored in the customer designated account storage means connected to the broker server Using the account identification information as a key, search the customer account database for data management of the customer's account opened in the broker, and sell the customer account database by updating the data of the corresponding customer's account. Payment processing including payment processing of at least a part of the payment, or data of the customer's account opened in the merchant other than the broker by sending the customer account identification information to the system of the merchant other than the broker Settlement process including remittance processing via the network of at least a part of the sale price to the customer account database for management Perform at least one of the settlement process of the,
In the case of a purchase order, the customer account identification information included in the trading instruction information or the trading result information or the customer specified in advance by the customer and stored in the customer designated account storage means connected to the broker server Using the account identification information as a key, the customer account database for data management of the customer's account opened in the broker is searched, and purchase from the customer account database is performed by updating the data of the corresponding customer's account. Settlement processing including withdrawal processing of at least part of the payment,
When performing processing by the brokerage account deposit / withdrawal processing means of the broker server,
In the case of a sell order, the brokerage company account identification information included in the trading result information or the brokerage company account preliminarily designated by the brokerage company and stored in the brokerage company designated account storage means connected to the broker server The securities company account database by searching the securities company account database for data management of the securities company account opened in the broker using the identification information as a key, and updating the data of the corresponding securities company account Settlement processing including withdrawal processing of the sale price from
In the case of a buy order, the brokerage company account identification information included in the trading result information or the brokerage company account stored in the brokerage company designated account storage means designated in advance by the brokerage company and connected to the broker server The securities company account database by searching the securities company account database for data management of the securities company account opened in the broker using the identification information as a key, and updating the data of the corresponding securities company account Settlement processing including payment processing of the purchase price to the broker, or the account of the brokerage company opened in the broker other than the broker by sending the broker company account identification information to the broker system other than the broker Settlement processing including remittance processing through the network of purchase price to the securities company account database for data management A securities trading method characterized by A brokerage server that is operated and managed by a securities company and performs processing related to the buying and selling of securities based on customer orders; and a brokerage company that mediates between the customer and the securities company to perform processing related to brokerage. A customer terminal device operated by the customer and an intermediary server connected to the securities company server via a network,
The broker server is
An input screen transmitting means for transmitting information for displaying a trade instruction input screen for the customer to instruct about trading including trading orders of the securities to the customer terminal device via the network;
Trading instruction information receiving means for receiving trading instruction information input by the customer using the trading instruction input screen transmitted by the input screen transmitting means from the customer terminal device via the network;
Based on the trading instruction information received by the trading instruction information receiving means, trading agency information necessary for processing related to trading of the securities by the securities company server is created, and the trading agency information is generated via the network. Trading agent information transmitting means for transmitting to the server;
Based on the confirmed sale price or purchase price included in the trading result information transmitted from the securities company server via the network or other fixed price information calculated according to these prices, the customer's Customer account entry / exit for settlement processing including at least a part of the sale price to the customer account database for account data management or a transfer process of at least a part of the purchase price from the customer account database Including gold processing means,
The securities company server is:
Trading processing means for performing trading processing of the securities based on the trading agency information transmitted from the broker server via the network by the trading agency information transmitting means;
Brokerage account for data management of the brokerage agent's account based on the sale price or purchase price that has been finalized by this trading processing means or other fixed price information calculated according to these prices Brokerage account deposit / withdrawal processing means for performing settlement processing including depositing or remittance processing of selling price to the database or withdrawal processing of purchase price from the brokerage account database;
Trading result information transmitting means for transmitting the trading result information including the confirmed selling price or buying price to the broker server via the network,
The customer account deposit / withdrawal processing means of the broker server is:
In the case of a sell order, the customer account identification information included in the buy / sell instruction information or the buy / sell result information or the customer specified in advance by the customer and stored in the customer designated account storage means connected to the broker server Using the account identification information as a key, search the customer account database for data management of the customer's account opened in the broker, and sell the customer account database by updating the data of the corresponding customer's account. Payment processing including payment processing of at least a part of the payment, or data of the customer's account opened in the merchant other than the broker by sending the customer account identification information to the system of the merchant other than the broker Settlement process including remittance processing via the network of at least a part of the sale price to the customer account database for management Perform at least one of the settlement process of the,
In the case of a purchase order, the customer account identification information included in the trading instruction information or the trading result information or the customer specified in advance by the customer and stored in the customer designated account storage means connected to the broker server Using the account identification information as a key, the customer account database for data management of the customer's account opened in the broker is searched, and purchase from the customer account database is performed by updating the data of the corresponding customer's account. It is configured to perform settlement processing including withdrawal processing of at least part of the payment amount,
The broker account deposit / withdrawal processing means of the securities company server is:
In the case of a sell order, the broker account identification information included in the brokerage information or the broker account specified in advance by the broker and stored in the broker designated account storage means connected to the securities company server Using the identification information as a key, search the broker account database for data management of the broker account opened in the securities company, and update the data of the corresponding broker account to the broker account database. The broker account database for data management of the broker's account opened in the broker by sending the broker account identification information to the broker server; Settlement processing including remittance processing through the network of sales price to or before the system of the merchant other than the broker Settlement including remittance processing through a network of sales price to the broker account database for data management of the broker account opened by a broker other than the broker by transmitting broker account identification information Perform at least one of the payments
In the case of a purchase order, the broker account identification information included in the brokerage information or the broker account specified by the broker in advance and stored in the broker designated account storage means connected to the securities company server Using the identification information as a key, search the broker account database for data management of the broker's account opened in the securities company, and update the data of the corresponding broker's account data by the broker's account database. A program for causing a computer to function as a securities trading system, characterized in that it is configured to perform a settlement process including a withdrawal process for a purchase price from. A brokerage server that is operated and managed by a securities company and performs processing related to the buying and selling of securities based on customer orders; and a brokerage company that mediates between the customer and the securities company to perform processing related to brokerage. A customer terminal device operated by the customer and an intermediary server connected to the securities company server via a network,
The broker server is
An input screen transmitting means for transmitting information for displaying a trade instruction input screen for the customer to instruct about trading including trading orders of the securities to the customer terminal device via the network;
Trading instruction information receiving means for receiving trading instruction information input by the customer using the trading instruction input screen transmitted by the input screen transmitting means from the customer terminal device via the network;
Based on the trading instruction information received by the trading instruction information receiving means, trading agency information necessary for processing related to trading of the securities by the securities company server is created, and the trading agency information is generated via the network. Trading agent information transmitting means for transmitting to the server;
Based on the confirmed sale price or purchase price included in the trading result information transmitted from the securities company server via the network or other fixed price information calculated according to these prices, the customer's Customer account entry / exit for settlement processing including at least a part of the sale price to the customer account database for account data management or a transfer process of at least a part of the purchase price from the customer account database Gold processing means;
Based on the final sale price or purchase price included in the trading result information transmitted from the securities company server via the network or other fixed price information calculated according to these prices, the securities Securities company account deposit / withdrawal processing means for performing settlement processing including withdrawal processing of sales proceeds from a securities company account database for data management of company accounts or depositing or remittance of purchase prices to the securities company account database And comprising
The securities company server is:
Trading processing means for performing trading processing of the securities based on the trading agency information transmitted from the broker server via the network by the trading agency information transmitting means;
Trading result information transmitting means for transmitting the trading result information including the selling price or the buying price determined by performing trading processing by the trading processing means to the broker server via the network, and
The customer account deposit / withdrawal processing means of the broker server is:
In the case of a sell order, the customer account identification information included in the buy / sell instruction information or the buy / sell result information or the customer specified in advance by the customer and stored in the customer designated account storage means connected to the broker server Using the account identification information as a key, search the customer account database for data management of the customer's account opened in the broker, and sell the customer account database by updating the data of the corresponding customer's account. Payment processing including payment processing of at least a part of the payment, or data of the customer's account opened in the merchant other than the broker by sending the customer account identification information to the system of the merchant other than the broker Settlement process including remittance processing via the network of at least a part of the sale price to the customer account database for management Perform at least one of the settlement process of the,
In the case of a purchase order, the customer account identification information included in the trading instruction information or the trading result information or the customer specified in advance by the customer and stored in the customer designated account storage means connected to the broker server Using the account identification information as a key, the customer account database for data management of the customer's account opened in the broker is searched, and purchase from the customer account database is performed by updating the data of the corresponding customer's account. It is configured to perform settlement processing including withdrawal processing of at least part of the payment amount,
The securities company account deposit / withdrawal processing means of the broker server is:
In the case of a sell order, the brokerage company account identification information included in the trading result information or the brokerage company account preliminarily designated by the brokerage company and stored in the brokerage company designated account storage means connected to the broker server The securities company account database by searching the securities company account database for data management of the securities company account opened in the broker using the identification information as a key, and updating the data of the corresponding securities company account Settlement processing including withdrawal processing of the sale price from
In the case of a buy order, the brokerage company account identification information included in the trading result information or the brokerage company account stored in the brokerage company designated account storage means designated in advance by the brokerage company and connected to the broker server The securities company account database by searching the securities company account database for data management of the securities company account opened in the broker using the identification information as a key, and updating the data of the corresponding securities company account Settlement processing including payment processing of the purchase price to the broker, or the account of the brokerage company opened in the broker other than the broker by sending the broker company account identification information to the broker system other than the broker Configuration for performing settlement processing including remittance processing through the network of purchase price to the securities company account database for data management It is as securities transactions system characterized by being a program for causing a computer to function.

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