JP2019046297A - Information processing device, financial product purchase method, and financial product purchase program - Google Patents

Abstract

To provide an information processing device, a financial product purchase method and a financial product purchase program for making purchase of a financial product by a user have a higher game property.SOLUTION: A financial product purchase system generates a plurality of purchase patterns 40 by combining a plurality of variation patterns 42-1 to 42-6 showing the rise/fall of a financial product. A user purchases a purchase pattern selected by the user himself/herself from among the plurality of purchase patterns. Namely, the user has to predict a variation in a financial product in each prescribed period not by simply purchasing the financial product but by purchasing a combination of a plurality of variation patterns. This can make the purchase of the financial product by the user have a higher game property.SELECTED DRAWING: Figure 3

Description

  The present invention relates to an information processing apparatus, a financial product purchase method, and a financial product purchase program.

  In recent years, the trading of financial products via the Internet has been brisk, and the types of financial products that can be traded by individuals are also increasing.

  Here, Patent Document 1 develops a game system that provides a bet opportunity to be made in a financial market environment. End users in this gaming system are given the opportunity to bet on whether the financial market value is above or below the mobile market line at a specified time.

Japanese Patent Publication No. 2007-527583

  However, in the game system disclosed in Patent Document 1, the bet is made only if the financial market value is above or below the mobile market line at a specified time, so the game property (playability) is high. It is not a thing.

  The present invention has been made in view of such circumstances, and provides an information processing apparatus, a financial product purchasing method, and a financial product purchasing program, which makes purchasing of a financial product by a user more likely to have a game. The purpose is to

  In order to solve the above-mentioned subject, an information processor, a financial product purchase method, and a financial product purchase program of the present invention adopt the following means.

  In order to solve the above problems, an “information processing apparatus” according to one aspect of the present invention is a plurality of purchases combining a plurality of fluctuation patterns indicating rising or falling of a financial product at a determination time after a predetermined time has elapsed Generation means for generating a pattern, reception means for receiving the selection of the purchase pattern by the user, and determination means for determining whether the purchase pattern selected by the user matches the actual time change of the financial product; And a withdrawal means for making a refund to the user according to the multiplying factor of the purchase pattern when the purchase pattern selected by the user matches the time change.

  In order to solve the above problems, the “financial instrument purchasing method” according to one aspect of the present invention is a plurality of combinations of fluctuation patterns indicating rising or falling of a financial product at a determination time after a predetermined time has elapsed from a reference time. Whether the first step of generating the purchase pattern by the generation means, the second step of receiving the selection of the purchase pattern by the user by the reception means, and the purchase pattern selected by the user coincide with the actual time change of the financial product A third step of judging whether or not the judgment is made by the judgment means, and fourth, the refund means giving a refund according to the multiplying factor of the purchase pattern to the user when the purchase pattern selected by the user matches the time change And a process.

  In order to solve the above problems, the “financial product purchasing program” according to one aspect of the present invention combines a computer with a plurality of fluctuation patterns indicating rising or falling of a financial product at a determination time after a predetermined time has elapsed from a reference time. Determining whether the purchase pattern selected by the user matches the actual time change of the financial product or not; generation means for generating a plurality of purchase patterns; reception means for receiving the selection of the purchase pattern by the user; It functions as a determination means and a withdrawal means for making a refund to the user according to the multiplying factor of the purchase pattern when the purchase pattern selected by the user matches the time change.

  Various technical limitations may be added to the above-mentioned "information processing apparatus" as exemplified below. In addition, technical limitations of the same purpose may be added to the processing steps executed by the “Financial Product Purchase Method” and the functions of the “Financial Product Purchase Program”.

  The generation unit generates the purchase pattern by combining a plurality of the fluctuation patterns different in the determination time in the order of arrival of the determination time.

  The generation means generates the purchase pattern by combining a plurality of the fluctuation patterns of the financial instruments of different types.

  The generation means generates the purchase pattern by combining a plurality of the fluctuation patterns of the financial instruments of different types, which simultaneously determine the time change determination timing.

  When the user purchases a number smaller than the number of fluctuation patterns constituting the purchase pattern, the reception means receives the required number of the user from the end of the purchase pattern.

  A magnification is set for each of the fluctuation patterns, and the magnification of the purchase pattern is obtained by multiplying the magnification for each of the fluctuation patterns constituting the purchase pattern.

  The scaling factor of the fluctuation pattern differs depending on the type of the financial product.

  The purchase pattern is associated with an object displayed on a screen, the object is selectable by the user, and the receiving unit selects the purchase pattern corresponding to the object selected by the user. Accept as the purchase pattern.

  The object is an expected pattern of a race rider winning in a competition where a plurality of competitors run and a region indicated by numbers or colors on the roulette table.

  The image changing means is configured to change an image displayed on the screen based on the change pattern constituting the purchase pattern and an actual time change of the financial product.

  The determination means determines whether or not the change pattern matches the actual time change of the financial product every time the determination time of the change pattern constituting the purchase pattern comes, and the image changing means The image displayed on the screen is changed based on the determination result by the determination means.

  The scaling factor of the corresponding purchase pattern is displayed on the object.

  The purchase pattern is associated with a symbol displayed on the screen, and is selected by the user selecting the symbol.

  ADVANTAGE OF THE INVENTION According to this invention, it has the effect that purchase of a financial product by a user can be made more highly gameable.

FIG. 1 is a configuration diagram of a financial product purchase system according to an embodiment of the present invention. It is a block diagram showing the electric composition of the server concerning the embodiment of the present invention. It is a schematic diagram which shows the structure of the purchase pattern which concerns on embodiment of this invention. It is a schematic diagram which shows the other example of a structure of the purchase pattern which concerns on 1st Embodiment of this invention. It is a schematic diagram which shows the other example of a structure of the purchase pattern which concerns on 1st Embodiment of this invention. It is a schematic diagram which shows the other example of the reference | standard time of the purchase pattern which concerns on 1st Embodiment of this invention. It is a figure showing the object concerning a 1st embodiment of the present invention. It is a schematic diagram which shows the purchase example of the purchase pattern which concerns on 1st Embodiment of this invention. It is a functional block diagram regarding a financial product purchase function of a server concerning a 1st embodiment of the present invention. It is a flowchart which shows the flow of a financial product purchase process which concerns on 1st Embodiment of this invention. It is a figure which shows the other example of the object which concerns on 1st Embodiment of this invention. It is a schematic diagram which concerns on selection of the purchase pattern which concerns on 2nd Embodiment of this invention.

  Hereinafter, an information processing apparatus, a financial product purchasing method, and a financial product purchasing program according to an embodiment of the present invention will be described with reference to the drawings.

[1. First embodiment]
Hereinafter, a first embodiment of the present invention will be described.

[1-1. Configuration of Financial Product Purchase System]
FIG. 1 is a schematic configuration diagram of a financial product purchasing system 1 according to the present embodiment. The financial product purchase system 1 includes a communication line 2, a server 3, and a portable terminal 4.

  The communication line 2 forms a computer network, and is, for example, a wide area communication line provided by an electric power company.

  The server 3 is an information processing apparatus that accepts purchase of a financial product from the portable terminal 4 via the communication line 2. The financial product according to the present embodiment is a purchase pattern in which a plurality of fluctuation patterns indicating an increase or a decrease of a predetermined financial product are combined.

  The mobile terminal 4 is, for example, an information processing terminal such as a smartphone, a tablet terminal, or a notebook computer. The portable terminal 4 includes a display 4A which is a screen for displaying an image. The user purchases a financial product via the mobile terminal 4.

  In the mobile terminal 4, dedicated application software (hereinafter referred to as “application”) is installed as an example for the user to purchase a financial product. Then, the user causes the portable terminal 4 to access the server 3 by activating the application on the portable terminal 4. When the portable terminal 4 accesses the server 3, an input of a user ID registered in advance is required.

  The user selects and purchases a purchase pattern via the portable terminal 4 among the plurality of purchase patterns generated by the server 3 as a financial product. Then, when the purchase pattern purchased by the user matches the actual movement of the financial product, a payout based on the payout rate (also referred to as “odds”) according to the purchase pattern is received, and the refund is sent to the user Be done. The purchase pattern is purchased for a fee, and the payout is, for example, made in money. Therefore, the user ID is associated with, for example, the user's credit card number or bank account number for making a payment.

[1-2. Server configuration]
FIG. 2 is a block diagram showing an electrical configuration of the server 3 according to the present embodiment.

  The server 3 according to the present embodiment includes a central processing unit (CPU) 20 that is a main control unit that controls the overall operation of the server 3, and a read only memory (ROM) 22 in which various programs and various data are stored in advance. A RAM (Random Access Memory) 24 used as a work area or the like at the time of execution of various programs, and an HDD (Hard Disk Drive) 26 as storage means for storing various programs and various data are provided.

  The HDD 26 stores various information related to the race, information of financial products purchased by the user via the portable terminal 4, user IDs registered, and the like. The storage means is not limited to the HDD 26, and may be, for example, another storage medium such as a semiconductor memory such as a flash memory.

  Furthermore, the server 3 includes an operation input unit 28 configured by a keyboard and a mouse to receive inputs of various operations, a monitor 30 such as a liquid crystal display device displaying various images, and a portable terminal 4 via the communication line 2. The external interface 32 is connected to another information processing apparatus and the like, and transmits and receives various data to and from the other information processing apparatus and the like.

  The CPU 20, the ROM 22, the RAM 24, the HDD 26, the operation input unit 28, the monitor 30, and the external interface 32 are electrically connected to one another via the system bus 34. Therefore, the CPU 20 accesses the ROM 22, the RAM 24 and the HDD 26, grasps the operation state of the operation input unit 28, displays an image on the monitor 30, and various data with other information processing devices via the external interface 32. Transmission and reception can be performed respectively.

[1-3. Details of Purchase Pattern]
The server 3 according to the present embodiment generates a plurality of purchase patterns combining a plurality of fluctuation patterns indicating rise or fall of a financial product at a determination time after a predetermined time has elapsed from a reference time. That is, the plurality of purchase patterns generated at a certain timing are different in combination of fluctuation patterns, and a plurality of purchase patterns which are combinations of the same fluctuation pattern are not generated.

  The financial products are not particularly limited as long as their values move up and down and can be traded, such as currency, virtual currency, stocks, and commodities targeted for futures transactions, but in the present embodiment, currency and Do. Specific examples of currencies are the movements of the US dollar, the euro, the pound and the Australian dollar against the Japanese yen. Thus, the purchase pattern purchased by the user in the financial product purchase system 1 according to the present embodiment corresponds to a derivative (for example, binary option) based on an exchange rate.

  The server 3 receives the selection of the purchase pattern by the user via the portable terminal 4 and determines whether or not the purchase pattern selected by the user matches the actual time change of the financial product (hereinafter referred to as "appropriate determination"). Do. Then, when the purchase pattern selected by the user matches the actual time change of the financial product, the server 3 makes a refund to the user according to the payout rate of the purchase pattern. The actual time change of a financial instrument means the actual rise, decline or failure of the financial instrument.

  As described above, the financial product purchase system 1 according to the present embodiment generates a plurality of purchase patterns combining a plurality of fluctuation patterns indicating an increase or a decrease of a financial product, and the user is himself or herself among the plurality of purchase patterns. Purchase the purchase pattern selected in. That is, the user will purchase a combination of a plurality of fluctuation patterns rather than merely purchasing a financial product, and it will be necessary to predict the fluctuation of the financial instrument at predetermined time intervals. For this reason, the financial product purchase system 1 according to the present embodiment can make the purchase of the financial product by the user a game having a higher game property.

  FIG. 3 is a schematic view showing the configuration of the purchase pattern 40. As shown in FIG.

  The purchase pattern 40 according to the present embodiment is a combination of a plurality of fluctuation patterns 42 having different determination times of time change of a financial product in the order of arrival of the determination times. In the example of FIG. 3, six variation patterns 42-1 to 42-6 are combined. Then, the reference time for determining the temporal change of each fluctuation pattern 42 is the same as the judgment time of the immediately preceding fluctuation pattern 42.

  As a specific example, the purchase pattern 40 is generated with the financial product as the US dollar with respect to the Japanese yen, the fluctuation pattern 42-1 as the yen depreciation, the fluctuation pattern 42-2 as the yen appreciation, and so on. In the following description, the up and down movement of the financial product indicated by the fluctuation pattern 42 is referred to as an expected fluctuation. The predetermined time from the reference time to the determination time is, for example, one minute, but may be different according to the fluctuation pattern 42.

  The reference time of the fluctuation pattern 42-1, that is, the reference time for determining the time change of the purchase pattern 40 (hereinafter, "game start time") is arbitrarily set, for example, what time and what time. That is, the user selects and purchases the purchase pattern 40 before the game start time.

  Then, after it is determined at the determination time 1 of the fluctuation pattern 42-1 whether the US dollar is weaker or stronger than the reference time 1 (hereinafter referred to as "actual fluctuation"), the actual fluctuation It is determined whether the variation of the fluctuation pattern 42-1 matches the expected fluctuation. That is, for example, in the case where the expected fluctuation of the fluctuation pattern 42-1 is the weak yen and the actual fluctuation is also the weak yen, it is determined that the coincidence determination is made. Next, assuming that reference time 2 of fluctuation pattern 42-2 is the same as judgment time 1, whether or not actual fluctuation at judgment time 2 after a predetermined time has passed from reference time 2 matches expected fluctuation of fluctuation pattern 42-2 Is determined. As described above, the determination of whether each variation pattern 42 is successful is performed until the final determination time. In other words, the last decision time corresponds to the maturity of the derivative. In the following description, when the expected fluctuation of the fluctuation pattern 42 and the actual fluctuation coincide with each other, the correct answer is made, and the case where they do not coincide is regarded as the incorrect answer.

  As described above, when all of the fluctuation patterns 42 of the purchase pattern 40 purchased by the user become correct, the financial product purchasing system 1 makes a refund according to the payout rate of the purchase pattern 40 to the user.

  The configuration of the purchase pattern 40 according to the present embodiment is a combination of a plurality of fluctuation patterns 42 of one type of financial product in series as time passes, as shown in FIG. The present invention is not limited to the above, and other configurations may be employed. FIGS. 4 and 5 are schematic views showing another example of the configuration of the purchase pattern 40. FIG.

  For example, as shown in FIG. 4A, the server 3 may generate a purchase pattern 40 by combining a plurality of fluctuation patterns 42 of different types of financial instruments. In the example of FIG. 4 (A), USD, pound and Australian dollar fluctuation patterns 42 are respectively generated and combined in series.

  Further, as shown in FIG. 4B, the server 3 may generate a purchase pattern 40 by combining a plurality of fluctuation patterns 42 of different types of financial instruments whose determination times are simultaneously set. In the example of FIG. 4B, the fluctuation patterns 42 of the US dollar, the pound, and the Australian dollar are respectively generated, and the reference timing and the judgment timing of these fluctuation patterns 42 are the same. That is, in the example of FIG. 4B, a plurality of fluctuation patterns 42 of different types of financial instruments are combined in parallel.

  Further, in the example of FIGS. 5A and 5B, fluctuation patterns 42 including different types of financial instruments are combined in series and in parallel. In the example of FIG. 5A, the fluctuation patterns 42 of the same financial instrument are combined in series, and the fluctuation patterns 42 of different types of financial instruments are combined in parallel. On the other hand, in the example of FIG. 5 (B), fluctuation patterns 42 of different types of financial instruments are mixed and combined in series and in parallel.

  Further, although the reference time of the fluctuation pattern 42 according to the present embodiment is the same as the judgment time of the previous fluctuation pattern 42, it is not limited to this. For example, as shown in FIG. 6, the reference time of all the fluctuation patterns 42 may be the same as the reference time of the first fluctuation pattern 42 of the fluctuation patterns 42 constituting the purchase pattern 40, that is, the game start time. .

  As described above, the financial product purchase system 1 according to the present embodiment can increase the types of purchase patterns 40 selectable by the user by configuring the purchase patterns 40 by combining various variation patterns 42.

[1-4. Purchase pattern payout ratio]
In the present embodiment, the magnification is set for each fluctuation pattern 42, and the product of multiplying the magnification for each fluctuation pattern 42 constituting the purchase pattern 40 is the payout magnification (odds) of the purchase pattern 40. For example, if the magnification of the fluctuation pattern 42 is 1.9 times and the purchase pattern 40 is configured by five fluctuation patterns 42, the fifth power of 1.9 = 24.76 times becomes the payout magnification of the purchase pattern 40 .

  That is, the payout rate of the purchase pattern 40 changes depending on the number of combinations of the fluctuation patterns 42. The payout rate of the purchase pattern 40 is higher as the number of combinations of the fluctuation patterns 42 is larger, and the payout rate of the purchase patterns 40 is lower as the number of combinations of the fluctuation patterns 42 is smaller.

  As an example, the scaling factor of the fluctuation pattern 42 may be the same as when the financial product rises or falls, but may be different depending on whether the financial product rises or falls. Further, the elapsed time from the reference time to the determination time may be changed according to the fluctuation pattern 42, the magnification of the fluctuation pattern 42 may be reduced as the elapsed time is shorter, and the magnification of the fluctuation pattern 42 may be increased as the elapsed time is longer. .

  Also, the scaling factor of the fluctuation pattern 42 may be different depending on the type of financial product. For example, the magnification of the USD fluctuation pattern 42 is 1.9 times, the magnification of the pound fluctuation pattern 42 is 1.8 times, and the magnification of the AUD fluctuation pattern 42 is 1.7.

  As described above, the payout rate of the purchase pattern 40 differs depending on the number of fluctuation patterns 42 constituting the purchase pattern 40 and the magnification of each fluctuation pattern 42. Therefore, the financial product purchasing system 1 according to the present embodiment can easily adjust the payout rate of the purchase pattern 40 to an arbitrary value.

[1-5. Pass / fail judgment of purchase pattern]
As described above, the financial product purchasing system 1 according to the present embodiment determines whether or not the purchase pattern 40 selected by the user matches the actual time change of the financial product.

  Here, there is a case where the value of the financial product does not change within a predetermined time, or the value may not be attached. More specifically, “no change” is a case where the value is the same between the previous determination time of the fluctuation pattern 42 and the subsequent determination time. The term "without a price" means, for example, when a financial instrument is a stock, if the stock price fluctuates up to the price range limit, or the transaction itself can not be performed. In the following description, the cases of "no change" and "no value" are referred to as failure.

  Therefore, the financial product purchasing system 1 according to the present embodiment uses any one of the following examples as the processing when the time change of the financial product is not established.

(1) A process of maintaining the total number of trials is performed by performing an alternative trial (addition of another purchase timing). Describing with reference to FIG. 3, for example, when the variation pattern 42-3 fails, it is assumed that the variation pattern 42-3 does not exist, and a new variation pattern 42 with the same expected variation as the variation pattern 42-3. -7 is added to the end of the fluctuation pattern 42-6 to make a pass / fail judgment.

(2) The fluctuation pattern 42 corresponding to the unrealized actual fluctuation is correctly answered regardless of the expected fluctuation.

(3) The success / failure judgment is interrupted at the timing when the actual fluctuation which has not been realized occurs, and the result of that time is taken as the final judgment of the purchase pattern 40.

[1-6. Game visualization]
FIG. 7 shows a purchase pattern selection image 44 displayed on the display 4A of the portable terminal 4 according to the present embodiment. The purchase pattern selection image 44 includes a plurality of objects 46 each associated with a different purchase pattern 40. The object 46 is selectable by the user, and the server 3 accepts the purchase pattern 40 corresponding to the object 46 selected by the user as the purchase pattern 40 selected by the user.

  An object 46 according to the present embodiment shown in FIG. 7 is an expected pattern of a winning racehorse (Katsuma) in virtual horse racing. That is, the financial product purchase system 1 according to the present embodiment urges the user to purchase a financial product with horse racing as a motif.

  For example, in a single win, each image showing a horse number "1" to "6" is the object 46, and in a double run each image showing a horse number combination "1-2" to "1-6" is An object 46 is an object 46, and each image showing "1-2" to "1-6" or "2-1" to "6-1" which is a combination of horse numbers in two-in-one single is an object 46. In addition, in two consecutive wins and two consecutive singles, a combination not displayed on the display 4A can be displayed by the user operating the arrow 48. In addition, a triple combination or a combination of triples may be set as the consecutive wins.

  Further, in the example of FIG. 7, the payout rate (odds) of the purchase pattern 40 corresponding to the object 46 and the purchase number of the object 46 (purchase pattern 40) are also displayed on the display 4A together with the object 46 indicating the horse number and the combination thereof. Is displayed.

  Also, the configuration of the purchase pattern 40 corresponding to the object 46 (combined variation pattern 42) may be displayed on the display 4A. For example, the configuration of the purchase pattern 40 may be displayed together with the object 46, or the image may be switched when the object 46 is clicked, and the configuration of the purchase pattern 40 corresponding to the object 46 may be displayed.

  As described above, in the financial product purchasing system 1 according to the present embodiment, since the user can purchase a financial product in the same manner as purchasing a betting ticket, purchasing of the financial product by the user can be made more highly game-friendly.

  Furthermore, the financial product purchasing system 1 according to the present embodiment displays an image (hereinafter referred to as a “game visual image”) displayed on the display 4A based on the fluctuation pattern 42 constituting the purchase pattern 40 and the actual time change of the financial product. .) Change.

  Since the financial product purchasing system 1 according to the present embodiment has horse racing as a motif, when the game start time is reached, the racehorse starts and the image running toward the goal is changed with time and displayed on the display 4A Perform image rendition. That is, in the image effect, the game start time is set as the start timing, and the final judgment time in the purchase pattern 40 is set as the goal timing to perform the race game competition.

  In this image effect, for example, the race condition of the racehorse is produced so that the racehorse of the object 46 (single win) corresponding to the purchase pattern 40 with a low payout rate goes ahead.

  In addition, the financial product purchasing system 1 determines whether or not the fluctuation pattern 42 matches the actual time change of the financial product every time the judgment time of the fluctuation pattern 42 constituting the purchase pattern 40 comes, and this judgment The game visual image to be displayed on the display 4A is changed based on the result.

  For example, the image rendering effects such that a racehorse corresponding to a purchase pattern 40 different from the actual vertical movement of the financial product is withdrawn from the race. Furthermore, in the image effect, even if the purchase pattern 40 with a high payout ratio matches the actual vertical movement of the financial product, even if the racehorse corresponding to the purchase pattern 40 reverses the other racehorses, the effect is produced. Good. With such image effects, the user can virtually watch a race where a racehorse corresponding to the purchase pattern 40 purchased by the user can run, so that the purchase of financial products by the user can be made more game-friendly. Further, by changing the game visual image so as to follow the change of the financial product in real time, it is possible to provide an image effect with higher game characteristics.

  In addition, although the object 46 which concerns on this embodiment was made into the prediction pattern of the racehorse, this is an example. The object 46 may be an expected pattern of a winning competitor in a competition where multiple competitors compete. The competition competition is, for example, a bicycle race, a racing boat, an auto race, an athletics competition, a car race, or the like.

[1-7. Partial purchase of purchase pattern]
The financial product purchasing system 1 may allow the user to purchase a partial purchase of the purchase pattern 40 composed of a plurality of fluctuation patterns 42, that is, a number smaller than the number of fluctuation patterns 42 constituting the purchase pattern 40. .

  This case will be described with reference to FIG. For example, the required number (four in the example of FIG. 8) of the user is accepted from the end of the purchase pattern 40 among the purchase patterns 40 configured of six fluctuation patterns 42, and the user is a combination of the four fluctuation patterns 42 from the end It is possible to purchase the reduced purchase pattern 40A. In this case, the payout rate of the reduced purchase pattern 40A is a value obtained by multiplying the accepted rate of the fluctuation pattern 42. That is, the payout rate of the reduced purchase pattern 40A is lower than that of the original purchase pattern 40.

  Further, as another example, in the purchase pattern 40 configured by five fluctuation patterns 42 in which the magnification is 1.9, the payout magnification is about 25 when all the fluctuation patterns 42 are purchased. On the other hand, when the user selects the purchase of three fluctuation patterns 42, the payout rate is approximately 6.8 times, and when the user selects the purchase of one fluctuation pattern 42, the payout rate is approximately 1. It becomes nine times.

  Here, the reason for accepting the required number from the end when the user purchases only a continuous portion of the purchase pattern 40 is the purchase pattern that is the source of the reduced purchase pattern 40A purchased by the user when the horse racing is the motif This is because the user sees that the racehorse corresponding to 40 has a goal.

  For example, assuming that the required number of users is received from the front of the purchase pattern 40, the last determination time of the reduced purchase pattern 40A purchased by the user comes in the middle of the image effect. In this case, before the user sees the goal of the racehorse, it is determined whether the reduced purchase pattern 40A purchased by the user matches the actual time fluctuation of the financial product, and the reduced purchase pattern 40A. The game is scarce for the user who has purchased

[1-8. Functional block diagram of server's financial product purchase function]
FIG. 9 is a functional block diagram regarding the financial product purchase function of the server 3 according to the present embodiment.

  The CPU 20 included in the server 3 includes a financial product information acquisition unit 60, a purchase pattern generation unit 62, a purchase pattern reception unit 64, a time change determination unit 66, a payout processing unit 68, and a delivery image change unit 70. The functions of the CPU 20, that is, the processes executed by the functions are realized by programs stored in the HDD 26.

  The financial product information acquisition unit 60 acquires financial product information indicating time change of the financial product corresponding to the fluctuation pattern 42 constituting the purchase pattern 40. The acquisition source of the financial product information is another information processing apparatus or the like.

  The purchase pattern generation unit 62 generates a plurality of purchase patterns 40 in which a plurality of fluctuation patterns 42 are combined, based on a predetermined generation standard.

  The purchase pattern generation unit 62 generates, for example, the fluctuation pattern 42 at random as a generation reference, and further combines the generated fluctuation patterns 42 at random to generate a purchase pattern 40. The present invention is not limited to this, and the purchase pattern generation unit 62 may generate the purchase pattern 40 such that the scaling factor of the purchase pattern 40 corresponds to the odds associated with the object 46. The generation criterion is to predetermine odds in the object 46, and combine the fluctuation patterns 42 to generate the purchase pattern 40 so as to obtain the predetermined odds.

  The purchase pattern reception unit 64 receives the selection (purchase) of the purchase pattern 40 by the user. The purchase pattern reception unit 64 also receives the selection of the reduced purchase pattern 40A.

  The time change determination unit 66 determines whether the purchase pattern 40 purchased by the user matches the actual time change of the financial product or not.

  When the purchase pattern 40 purchased by the user matches the actual time change of the financial product, the payout processing unit 68 makes a refund according to the payout rate of the purchased purchase pattern 40 to the user.

  The delivery image changing unit 70 changes the game visualization image displayed on the display 4A based on the change pattern 42 constituting the purchase pattern 40 and the actual time change of the financial product. More specifically, the delivery image changing unit 70 transmits image data indicating the changed game visualization image to the portable terminal 4 via the external interface 32, and causes the display 4A to display the image data.

[1-9. Flow of Financial Product Purchase Processing According to this Embodiment]
FIG. 10 is a flowchart showing the flow of the financial product purchase process according to the present embodiment, which is executed by the CPU 20 of the server 3. A program for executing the financial product purchase process is stored in advance in a predetermined area of the HDD 26. The financial product purchase process is executed, for example, every predetermined time interval (for example, every 30 minutes).

  First, in step 100, the purchase pattern generation unit 62 generates a purchase pattern 40 based on a predetermined generation standard.

  In the next step 102, the purchase pattern accepting unit 64 accepts the purchase of the purchase pattern 40 by the user via the portable terminal 4.

  In the next step 104, the time change determination unit 66 determines whether the game start time has been reached, and in the case of a positive determination, the process proceeds to step 106. On the other hand, in the case of a negative determination, the process returns to step 102, and the purchase pattern reception unit 64 receives the selection (purchase) of the purchase pattern 40 by the user until the game start time is reached.

  In the next step 106, the time change determination unit 66 determines whether or not the determination time of each variation pattern 42 has arrived, and in the case of a positive determination, the process proceeds to step 108.

  In step 108, the financial product information acquisition unit 60 acquires information on the time change of the financial product, and the time change determination unit 66 performs the pass / fail judgment of each fluctuation pattern 42 constituting the purchase pattern 40.

  In step 110, the distribution image changing unit 70 changes the game visual image based on the change pattern 42 and the actual time change of the financial product, ie, the result of the judgment of step 108, and the portable terminal 4 is changed via the external interface 32. Send to

  In the next step 112, the time change determination unit 66 determines whether or not the pass / fail judgment for all the fluctuation patterns 42 constituting the purchase pattern 40 is completed, and in the case of a positive judgment, the process proceeds to step 114 and a negative judgment is made. In the case, the process moves to step 106.

  In step 114, when the judgment on the acceptance of the purchase pattern 40 purchased by the user is a correct answer, the refund processing unit 68 makes a refund according to the payout rate of the purchase pattern 40 to the user.

  As described above, the financial product purchase process according to the present embodiment generates a plurality of purchase patterns 40 combining a plurality of fluctuation patterns 42 indicating an increase or decrease of a financial product, and the purchase pattern 40 selected by the user is If it matches the actual time change of the financial product, the user is refunded according to the multiplying factor of the purchase pattern 40. For this reason, the financial product purchase process according to the present embodiment can make the purchase of the financial product by the user a game having a higher game property.

  In the present embodiment, the motif of the object 46 is a competition competition, but the invention is not limited thereto. For example, as shown in FIG. 11, a roulette game may be used as a motif, and an area (hereinafter referred to as a “bet area”) indicated by numbers or colors in the roulette table may be used as the object 46.

  That is, the user selects the purchase pattern 40 by selecting the object 46 which is a bet point. It should be noted that the bet points hatched in FIG. 11 indicate that the color is different from the bet points not hatched. In addition, when the roulette game has a motif, a ball is thrown into a rotating roulette (wheel), and an image until this roulette stops and the ball enters the pocket becomes a game visualization image. The position of the pocket into which the ball enters corresponds to the number and color of the roulette table corresponding to the purchase pattern 40 that matches the actual time change of the financial product.

  Further, although the present embodiment has described the mode in which the success / failure determination of the fluctuation pattern 42 corresponding to the judgment timing is performed, the present invention is not limited thereto. All fluctuation patterns in the last judgment timing (maturity) in the purchase pattern 40 The 42 judgments may be made after the fact. Then, the game visual image may change in accordance with the success or failure determination.

[2. Second embodiment]
Hereinafter, a second embodiment of the present invention will be described.

  The configuration of the financial product purchase system 1 according to the present embodiment is the same as the configuration of the financial product purchase system 1 according to the first embodiment, and thus the description thereof will be omitted.

  The purchase pattern 40 according to the present embodiment is associated with the symbol displayed on the display 4A of the portable terminal 4 and is selected by the user selecting the symbol.

  For example, a purchase pattern 40 which is a combination of fluctuation patterns 42 of [yen weak] → [yen weak] → [yen weak] → [yen weak] is designated as “A”, and [yen appreciation] → [yen weak] → [ The purchase pattern 40, which is a combination of the fluctuation pattern 42 of the weak yen to the weak yen, is designated as “B”..., And the user selects these symbols. Thus, the user can easily select the purchase pattern 40.

  Further, in the financial product purchasing system 1 according to the present embodiment, the user may select a plurality of symbols (numbers) and receive the purchase pattern 40 that matches the selection as the user's selection.

  For example, as in the purchase pattern selection image 44 shown in FIG. 12, the four weak patterns 42 are combined by setting the weak yen to 1, the high yen to 2, and selecting the squares 70 associated with this. The purchase pattern 40 is to be selected by the user. Then, for example, when the user selects 1 (Yen weak) → 2 (Yen strong) → 1 (Yen weak) → 2 (Yen strong), it is created [Yen weak] → [Yen strong] → [Yen weak The user selects the purchase pattern 40 of the combination of [yen].

  The selection of the fluctuation pattern 42 is not limited to the selection of the mass 70, but may be made by inputting a symbol (number) in a text box or the like displayed on the display 4A.

  In this way, by purchasing the purchase pattern 40 by the user selecting a combination of symbols and symbols (numbers), the user can purchase a financial product in the sense of purchasing a lottery or a lot, so the user The purchase of financial products by will be more game-friendly.

[3. Other embodiments]
As mentioned above, although this invention was demonstrated using said each embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. Various changes or improvements can be added to the above-described embodiments without departing from the scope of the invention, and a mode in which the changes or improvements are added is also included in the technical scope of the present invention. The above embodiments may be combined as appropriate.

  For example, although each information processing apparatus performing the financial product purchase process is described as the server 3 in the above embodiments, the present invention is not limited to this, and part or all of the financial product purchase process May be performed by the portable terminal 4.

  Further, the flow of the financial product purchase process described in each of the above embodiments is also an example, and unnecessary steps may be deleted, new steps may be added, or the process order may be changed without departing from the scope of the present invention. You may

3 Server (Information Processing Device)
4 Mobile terminal (information processing device)
40 purchase pattern 42 fluctuation pattern 62 purchase pattern generation unit (generation means)
64 Purchase pattern acceptance unit (acceptance means)
66 Time change determination unit (determination means)
68 Refund processing unit (refund means)
70 Distribution image change unit (image change means)

Claims (14)

Generation means for generating a plurality of purchase patterns combining a plurality of fluctuation patterns indicating rise or fall of a financial product at a determination time after a predetermined time has elapsed from a reference time;
Accepting means for accepting selection of the purchase pattern by the user;
Determining means for determining whether the purchase pattern selected by the user matches the actual time change of the financial instrument;
Refund means for performing refund to the user according to the multiplying factor of the purchase pattern when the purchase pattern selected by the user matches the time change;
An information processing apparatus comprising:   The information processing apparatus according to claim 1, wherein the generation unit generates the purchase pattern by combining a plurality of the fluctuation patterns different in the determination time in the order of arrival of the determination time.   The information processing apparatus according to claim 1, wherein the generation unit generates the purchase pattern by combining a plurality of the fluctuation patterns of the different types of financial products.   4. The purchase pattern according to any one of claims 1 to 3, wherein the generation means generates the purchase pattern by combining a plurality of the fluctuation patterns of the different types of the financial instruments at the same time as the determination time of the time change. Information processing device.   The reception method according to any one of claims 1 to 4, wherein, when the user purchases a number smaller than the number of the fluctuation patterns constituting the purchase pattern, the reception means receives the required number of the user from the end of the purchase pattern. The information processing apparatus according to the item. A scaling factor is set for each of the fluctuation patterns,
The information processing apparatus according to any one of claims 1 to 5, wherein the multiplying factor of the purchase pattern is obtained by multiplying the multiplying factor of each of the fluctuation patterns constituting the purchase pattern.   The information processing apparatus according to claim 6, wherein the scaling factor of the fluctuation pattern differs depending on the type of the financial product. The purchase pattern is associated with an object displayed on the screen,
The object is selectable by the user,
The information processing apparatus according to any one of claims 1 to 7, wherein the receiving unit receives the purchase pattern corresponding to the object selected by the user as the purchase pattern selected by the user.   9. The information processing apparatus according to claim 8, wherein the object is an expected pattern of a race rider who wins in a competition where a plurality of competitors run and a region indicated by numbers or colors on a roulette table.   10. The information processing apparatus according to claim 8, further comprising an image changing unit configured to change an image displayed on the screen based on the change pattern constituting the purchase pattern and an actual time change of the financial product. The determination means determines whether or not the change pattern matches the actual time change of the financial product, each time the determination time of the change pattern constituting the purchase pattern comes.
11. The information processing apparatus according to claim 10, wherein the image changing unit changes the image displayed on the screen based on the determination result by the determination unit.   The information processing apparatus according to any one of claims 1 to 7, wherein the purchase pattern is associated with a symbol displayed on a screen, and is selected by the user selecting the symbol. A first step of generating, by the generation means, a plurality of purchase patterns combining a plurality of fluctuation patterns indicating rise or fall of a financial product at a determination time after a predetermined time has elapsed from a reference time;
A second step of accepting the selection of the purchase pattern by the user by the accepting unit;
A third step of determining whether or not the purchase pattern selected by the user matches the actual time change of the financial instrument by the determination means;
A fourth step of performing refund to the user according to the multiplying factor of the purchase pattern by the refund means when the purchase pattern selected by the user matches the time change;
How to buy financial products with. Computer,
Generation means for generating a plurality of purchase patterns combining a plurality of fluctuation patterns indicating rise or fall of a financial product at a determination time after a predetermined time has elapsed from a reference time;
Accepting means for accepting selection of the purchase pattern by the user;
Determining means for determining whether the purchase pattern selected by the user matches the actual time change of the financial instrument;
Refund means for performing refund to the user according to the multiplying factor of the purchase pattern when the purchase pattern selected by the user matches the time change;
Financial product purchase program to make it function.

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