JP6001216B1 - System, method, communication terminal device, and computer program for displaying information related to financial product holding amount - Google Patents

Abstract

A simulation for changing a ratio of a portfolio of financial products such as stocks held by a user is easily performed. A user terminal displays a portfolio screen 21 including a portfolio graph 30 using portfolio information received from a system server. The portfolio graph 30 includes an A company stock graphic part 31 to an E company stock graphic part 35 that secure arc dimensions corresponding to evaluation values of stocks (stocks of A company to E company) held by the user, and the user's It has the cash figure part 36 which secured the circular arc dimension according to the account amount. The boundary lines (A company stock boundary line 31a, etc.) at the end of the A company stock graphic part 31 to the E company stock graphic part 35 on the clockwise direction side can be moved by the user operation as a holding amount indicator. The moving operation is handled as a purchase operation, and the moving operation in the counterclockwise direction is handled as a selling operation. [Selection] Figure 12

Description

  The present invention enables a user who is an investor through a network to place a transaction order for a financial product such as a securities company using a communication terminal device, and particularly uses parts such as figures on a screen related to the transaction. A system, a method for displaying information related to the financial product holding amount, which displays information related to the holding amount of the financial product held by the user and provides a user interface that enables intuitive operation; The present invention relates to a communication terminal device and a computer program.

  Conventionally, services that allow investors to buy and sell financial products such as stocks and investment trusts online using communication terminal devices such as computers, smartphones, and mobile phones with communication functions have been widely used. Yes. In online financial product transactions, a transaction screen for selection of stocks, selection of transaction type (sale or purchase), determination of investment amount, etc. is presented to the communication terminal device of the investor (user), and through the transaction screen Various user operations are accepted and transactions are made.

  As such online transaction method, a transaction application program (a kind of computer program) is installed in the communication terminal device on the user side, and instructions by user operations are transmitted to the transaction system through the network as appropriate. There are two general methods of establishing a website for online transactions on the network and conducting transactions through the website screen on this website.

  In Patent Document 1 below, as an example of a transaction screen, when a user selects a desired brand from a plurality of brands, a menu screen for searching under a predetermined condition is displayed, and a transaction is desired. The contents that make it possible to find the brand by searching are disclosed.

  In addition, stocks, which are examples of financial products, are generally traded in units of shares that specify the number of shares, but services are also provided in which transactions are made in units of amounts (amounts specified) that specify trading amounts. (See Paragraph 0009 of Patent Document 2 below, Paragraph 0008 of Patent Document 3 below, Paragraph 0041 of Patent Document 4 below, etc.).

JP-A-8-464958 JP 2004-484745 A JP 2004-29882 A JP 2004-234140 A

  Items to be set by users in online trading of financial products include selection of stocks, identification of code numbers of selected stocks, selection of transaction type (sell or buy), selection of transaction volume, etc. The user will perform an operation for setting on the transaction screen. It is cumbersome and cumbersome for the user to perform such multiple item setting operations, and the attention of the user to the complicated operations makes it possible to review and judge important transactions when conducting transactions. On the other hand, there is a problem that it is difficult for the user to concentrate, and moreover, it takes time to set each item, especially for users who are unfamiliar with the operation on the screen even though they are doing online transactions, The irony is that it can be a hindrance to speeding up.

  In addition, when conducting a transaction, it is necessary to confirm in advance the portfolio related to the amount of each brand of the user's financial product by transaction, the amount of cash in the account, etc. Importantly, since the user's portfolio cannot be confirmed on the conventional online transaction screen, there is also a problem that the transaction operation cannot be performed while confirming the portfolio or the like on the same screen.

  The present invention has been made in view of such circumstances, and displays a symbol graphic part that graphically represents the amount of financial products held by the user, and the amount of movement that is moved by a user operation in accordance with a trading operation instruction Providing a system, method, communication terminal device, and computer program for displaying information related to the amount of financial product possession that enables intuitive operation grasp and easy operation by including an indicator in the symbol graphic part The purpose is to do.

  In addition, the present invention displays a cash graphic part that graphically represents the amount of cash of a user account related to a transaction of a financial product, and a plurality of brand graphic parts. It is an object of the present invention to provide a system, a method, a communication terminal device, and a computer program for displaying information related to the amount of held financial products so that a user's portfolio can be grasped at a glance.

  In order to solve the above-described problem, a system according to the present invention is a financial product transaction system in which a communication terminal device transmits a transaction order of a financial product to a server based on a transaction operation by the user. Means for transmitting the brand holding information relating to the holding amount of the financial product to the communication terminal device, the communication terminal device receiving the brand holding information transmitted from the server, and the received brand holding information And a means for generating and displaying a screen including a symbol graphic part having a possession amount indicator that can be moved by a user operation. Means for accepting a user operation to move in the direction as a sale operation of a financial product of a brand related to the brand graphic part; A user operation to the movement in the other direction indicators, characterized in that it comprises a means for accepting a manipulation purchase financial instruments stocks according to the brand graphic unit.

  The system according to the present invention generates and displays a web page screen related to a transaction of a financial product based on screen data transmitted from the server in response to the communication terminal device accessing the server, and by the user In a financial product transaction system for transmitting a trading order of a financial product to a server based on a transaction operation, the server graphically represents a user's possession amount of the financial product with respect to a brand and can be moved by a user operation. A means for transmitting screen data relating to a web page screen including a symbol graphic part having an indicator to the communication terminal device, wherein the communication terminal device receives the screen data based on the received screen data. Means for generating and displaying a web page screen including the brand graphic part, and the holding amount indicator in one direction A means for accepting a user operation to be moved as an operation for selling a financial product of a brand related to the brand graphic part, and a user operation for moving the holding amount indicator in another direction to purchase a financial product of a brand related to the brand graphic part. And a means for accepting as a supplementary operation.

  The method according to the present invention is a financial product transaction method in which a communication terminal device transmits a transaction order of a financial product to a server based on a transaction operation by a user, wherein the server holds the amount of financial products of brands held by the user Transmitting the brand holding information to the communication terminal device, the communication terminal device receiving the brand holding information transmitted from the server, and the financial information about the brand based on the received brand holding information. A step of generating and displaying a screen including a symbol graphic part having a holding amount indicator that can be moved by a user operation, and a user operation for moving the holding amount indicator in one direction. The step of accepting as a sale operation of the financial product of the brand related to the brand graphic part, and the holding quantity indicator on the other side User operation of moving into the, characterized in that it comprises a step of accepting a manipulation purchase of the brand stocks of financial instruments according to figure portion.

  The method according to the present invention generates and displays a web page screen relating to a transaction of a financial product based on screen data transmitted from the server in response to the communication terminal device accessing the server, and by the user In the financial product transaction method for transmitting a trading order of a financial product to a server based on a trading operation, the server graphically represents a user's holding amount of the financial product with respect to a brand and can be moved by a user operation. A step of transmitting screen data relating to a web page screen including a symbol graphic part having an indicator to the communication terminal device, wherein the communication terminal device receives the screen data, based on the received screen data; Generating and displaying a web page screen including the brand graphic part; and Accepting a user operation to move as a sale operation of a financial product of a brand related to the brand graphic part, and a user operation to move the holding amount indicator in another direction to buy a financial product of a brand related to the brand graphic part And an accepting step as an appending operation.

  A communication terminal device according to the present invention graphically represents a user's possession of a financial product for a brand in a communication terminal device including means for transmitting a transaction order of a financial product based on a transaction operation by a user to an external server. And a means for generating and displaying a screen including a brand graphic part having a holding amount indicator that can be moved by a user operation, and a user operation for moving the holding quantity indicator in one direction, for the brand related to the brand graphic part. And a means for accepting a financial product sale operation and a means for accepting a user operation for moving the holding amount indicator in the other direction as a purchase operation for a financial product of a brand related to the brand graphic part.

  In the communication terminal device according to the present invention, the one direction is an orientation that reduces the graphic range of the brand graphic portion, and the other direction is an orientation that expands the graphic range of the brand graphic portion. Features.

  Moreover, the communication terminal device according to the present invention includes means for specifying a transaction amount of a financial product according to the amount of movement of the possession amount indicator, and performs a user operation for moving the possession amount indicator in one direction or the other direction. , And accepting as sale operation or purchase operation by the specified transaction amount.

  The communication terminal device according to the present invention graphically represents a cash amount of a user account relating to a transaction of a financial product or an evaluation value of a cash equivalent product, and means for displaying a cash graphic part having a movable cash indicator. And the cash indicator moves in conjunction with the movement of the holding amount indicator.

  In addition, the communication terminal device according to the present invention is characterized by comprising means for displaying a plurality of the symbol graphic parts when the user possesses financial products for a plurality of issues.

  In the communication terminal device according to the present invention, when the possession amount indicator of one brand figure part in the plurality of brand figure parts is moved by a user operation, other brand figure parts in the plurality of brand figure parts The possession amount indicator moves in conjunction with the movement of the possession amount indicator of the one symbol graphic part.

  Moreover, the communication terminal device according to the present invention is characterized in that each possession amount indicator of the plurality of symbol graphic parts is independently movable by a user operation.

  Furthermore, the communication terminal device according to the present invention is characterized by comprising means for displaying a mark indicating a movable direction of the possessed amount indicator when the retained amount indicator is selected by a user.

  The communication terminal device according to the present invention generates and displays a web page screen related to a transaction of a financial product based on screen data transmitted from an external server in response to access to the external server, and a user In a communication terminal device that transmits a trading order for a financial product to an external server based on a trading operation by the user, a holding amount indicator that graphically represents a user's holding amount of the financial product for the brand and can be moved by the user operation When receiving screen data related to a web page screen including a brand graphic part, the means for generating and displaying a web page screen including the brand graphic part based on the received screen data, and the possession amount indicator are combined. Means for accepting a user operation to move in a direction as a sale operation of a financial product of a brand related to the brand figure part; The user operation for moving in the other direction serial holdings indicator, characterized in that it comprises a means for accepting a manipulation purchase financial instruments stocks according to the brand graphic unit.

  The method according to the present invention is a financial product transaction method in which a communication terminal device transmits a transaction order of a financial product based on a transaction operation by a user to an external server. A step of generating and displaying a screen including a symbol graphic part having a possession amount indicator that can be moved by a user operation, and a user operation for moving the possession amount indicator in one direction. A step of accepting as a sale operation of a financial product of a brand related to the graphic part, and a step of accepting a user operation to move the holding amount indicator in another direction as a purchase operation of the financial product of the brand related to the graphic part It is characterized by that.

  The method according to the present invention generates and displays a web page screen related to a transaction of a financial product based on screen data transmitted from an external server in response to the communication terminal device accessing the external server. In addition, in the financial product transaction method for transmitting a financial product transaction order to an external server based on a transaction operation by the user, the communication terminal device graphically represents the possession amount of the financial product by the user, When screen data related to a web page screen including a brand graphic part having a holding amount indicator that can be moved by a user operation is received, a web page screen including the brand graphic part is generated and displayed based on the received screen data And a user operation for moving the possession amount indicator in one direction, the financial quotient of the brand related to the brand figure part A step of accepting a sale operations, a user operation to move the holding amount indicator in the other direction, characterized in that it comprises a step of accepting a manipulation purchase financial instruments stocks according to the brand graphic unit.

  A web server according to the present invention is a web server that transmits screen data of a web page screen related to a transaction of a financial product to an access source in response to receiving access from an external user terminal through a network. A means for graphically representing a user's possession amount of a product and a means for transmitting screen data relating to a web page screen including a brand graphic part having a possession amount indicator movable by a user operation to an access source. .

  The method according to the present invention is a financial product transaction method for transmitting screen data of a web page screen related to a transaction of a financial product to an access source in response to the web server receiving access from an external user terminal through a network. The web server graphically represents the possession amount of the financial product by the user for the brand, and the screen data relating to the web page screen including the brand graphic part having the possession amount indicator movable by the user operation to the access source. The step of transmitting is provided.

  A computer program according to the present invention is a computer program for causing a computer to perform a process of transmitting a trading order of a financial product based on a trading operation by a user to an external server. A step of generating and displaying a screen including a symbol graphic part having a holding amount indicator that can be moved by a user operation, and a user operation for moving the holding amount indicator in one direction, A step of accepting as a sale operation of a financial product of a brand related to the brand graphic portion, a step of accepting a user operation for moving the holding amount indicator in another direction as a purchase operation of a financial product of the brand related to the brand graphic portion; Is executed.

  The computer program according to the present invention generates and displays a web page screen relating to a transaction of a financial product on a computer based on screen data transmitted from an external server in response to access to the external server. In the computer program for performing processing for transmitting a trading order of a financial product based on a trading operation by a user to an external server, the computer graphically represents the amount of the financial product held by the user for the brand, When screen data related to a web page screen including a brand graphic part having a holding amount indicator that can be moved by a user operation is received, a web page screen including the brand graphic part is generated and displayed based on the received screen data And a user for moving the holding amount indicator in one direction. The step of accepting the operation as a sale operation of the financial product of the brand related to the brand graphic part, and the user operation of moving the holding amount indicator in the other direction as a purchase operation of the financial product of the brand related to the brand graphic part The step of accepting is executed.

  The server program according to the present invention causes the web server to perform processing for transmitting screen data of a web page screen relating to a transaction of a financial product to an access source in response to receiving access from an external user terminal through a network. In the server program for the above, a screen relating to a web page screen including a symbol graphic part having a graphic representation of the possession amount of the financial product by the user and having a possession amount indicator that can be moved by a user operation on the web server The step of transmitting data to the access source is executed.

  In the present invention, since the communication terminal device displays a symbol graphic part that graphically represents the amount of financial products held by the user for the brand, confirmation is made when performing a transaction such as the brand name and the amount of financial product possession. The user can intuitively grasp the matters to be done from the symbol graphic part. In addition, the symbol graphic part has a holding amount indicator that can be moved by a user operation, and accepts a user operation for moving the holding amount indicator in one direction or the other direction as a selling operation or a buying operation. For this order, the user simply performs an operation of moving the possession amount indicator, and an intuitive and easy user interface can be ensured in terms of user operation.

  The financial products in the present invention mean those including “securities” and “derivatives (financial derivatives)”, and specific examples of “securities” include stocks, bonds, real estate securities, investment trusts. Specific examples of “derivative products (financial derivatives)” include futures transactions, CFD (Contract for Difference), and stock acquisition rights. Further, the present invention can be applied to both a relative transaction and a commission transaction by a securities company or the like. Furthermore, the present invention can deal with both transactions in monetary units or transactions in merchandise units (for example, stock units). The holding amount indicates an evaluation amount corresponding to the amount of financial product held by the user or the amount of product amount held by the user itself (for example, the number of shares when the financial product is a stock).

  In the present invention, the movement in one direction of the holding amount indicator by the user operation according to the selling operation is set to the direction in which the graphic range of the brand graphic part is reduced, and the movement in the other direction is performed in the brand graphic part. Since the figure range was expanded, it was sold because the figure range in the symbol figure part was reduced, indicating that the holding amount would decrease, and because the figure range would be enlarged, the holding amount would increase. In this way, the meaning of the movement of the holding amount indicator is related to the expansion / reduction of the graphic range, so that the relationship with the sale or purchase operation accompanying the movement operation of the holding amount indicator is also more intuitive. It becomes possible to grasp.

  In the present invention, the transaction amount is specified according to the amount of movement of the holding amount indicator, and a user operation for moving the holding amount indicator is accepted as a sale or purchase operation of the specified transaction amount. The amount of transaction can be specified by the operation of moving the indicator, which contributes to a faster transaction operation. As the transaction volume, when the financial product is a stock, either the number of stocks or the amount associated with trading can be used.

  In the present invention, since the cash figure part that graphically represents the amount of cash contained in the user account for financial product transactions or the evaluation value of the cash equivalent product is also displayed in addition to the brand figure part, the user The user can confirm at a glance the sum of the amount of cash, etc. in the account and the holding amount related to the brand of the financial product, and the user can smoothly grasp the information necessary for determining the transaction. In addition, the cash graphic part has a cash indicator and moves the cash indicator in conjunction with the movement of the holding amount indicator of the brand graphic part. If there is an operation instruction attached, the cash indicator will indicate that the amount of cash in the user account will increase or decrease, linked to the movement of the holding amount indicator, and the sale or purchase of financial instruments will be performed. In this case, the user can easily grasp the change in the amount of cash in the user account. Cash equivalents mean financial products that have the same liquidity as cash (financial products that mean that it is easy for investors to monetize (cancel)), and specifically MRF (Money Reserve Fund) MMF (Money Management Fund), etc., and the evaluation value of cash equivalents means the evaluation value when such liquid financial products are converted and evaluated as cash.

  In the present invention, when the user holds a plurality of financial products of different brands, since a plurality of brand graphic parts are displayed, the user can grasp each holding amount of the financial products for a plurality of brands at a glance, By displaying a plurality of such symbol graphic parts, the amount of financial products held for all brands held by the user can be presented, and such presentation contents of the financial products held by the user Since it is a portfolio for a brand, it is possible to determine whether to sell or purchase a brand and to perform an order operation on the same screen while checking its own portfolio.

  In the present invention, when a plurality of brand graphic parts are displayed, the holding quantity indicators of other brand graphic parts move so as to be linked with the movement of the user operation of the holding quantity indicator of one brand graphic part. The change in the holding amount due to the sale or purchase of one brand can be related to the holding quantity of another brand. As a result, when selling one brand, it is possible to automatically allocate the amount associated with the sale to the purchase cost of another brand and to buy one brand. Automatically makes it possible to cover the amount necessary for the purchase with the amount associated with the sale of other issues, and without the use of cash in the user account, it is possible to buy and sell multiple issues once. It is also possible to provide services to users.

  In the present invention, when a plurality of brand graphic parts are displayed, the possession amount indicator of each brand graphic part can be moved and operated independently, so that trading for each brand is performed independently. This makes it possible to provide suitable services to users who place importance on the independence of transactions.

  In the present invention, when the possessed amount indicator is selected, a mark indicating the direction in which the retained amount indicator can be moved is displayed. Therefore, when performing a user operation to move the retained amount indicator, Since the direction in which the holding amount indicator can be moved is known, a user operation for moving the holding amount indicator can be reliably performed, and an order operation for sale or purchase can be accurately performed.

  In the present invention, when online trading of financial products is performed through the web page screen of the website, the web server screen includes a brand graphic part that graphically represents the user holding amount of the financial product for the brand. Since the screen data is transmitted to the access source communication terminal device (user terminal), the communication terminal device accessing the web server generates a web page screen including the symbol graphic part based on the received screen data. This makes it possible for the user to intuitively grasp matters that should be confirmed when performing transactions such as the stocks and amounts of financial products. The displayed symbol graphic part has a holding amount indicator that can be moved by a user operation, and the communication terminal device is sold or purchased based on a user operation for moving the holding amount indicator in one direction or the other direction. Since the order is sent to the web server, the user can issue an operation instruction related to the order for sale or purchase related to the brand only by an intuitive operation of moving the holding amount indicator. A simple user interface can be provided, and a speedy operating environment can be secured accordingly.

  In the present invention, since the communication terminal device displays the symbol graphic part that graphically represents the user possession amount of the financial product for the issue, the user can intuitively understand the possession brand and the possession amount of the financial product at a glance. It is possible to grasp and use the grasped information to make a judgment related to the transaction of the financial product. In addition, the symbol pattern part to be displayed has a possession amount indicator that can be moved by a user operation, and the communication terminal device uses a user operation for moving the possession amount indicator in one direction or the other direction as a sale operation or a purchase operation. Since it is accepted, the user can issue an operation instruction for sale or purchase by moving the possession amount indicator, and an intuitive and easy user interface can be ensured in terms of user operation.

  In the present invention, the movement in one direction of the indicator corresponding to the sale operation is set to the direction for reducing the graphic range of the brand graphic part, and the movement in the other direction is set to the direction for expanding the graphic range. This means that if the graphic range of the symbol graphic part becomes smaller, the holding amount will decrease, so the user can intuitively understand the meaning of sale, and if the graphic range becomes wider, the holding amount will increase. The user can intuitively understand the meaning of the attachment, the operation to move the possession amount indicator can be grasped in relation to the increase or decrease of the possession amount with the extent of the graphic range, and the user can understand the user operation related to buying and selling more intuitively Can provide an interface.

  In the present invention, since the transaction amount is specified according to the movement amount of the possession amount indicator, the transaction amount can also be specified by the operation of moving the possession amount indicator when performing the buying and selling operation of the financial product. Transaction operations.

  In the present invention, since the cash figure portion that graphically represents the cash amount of the user account for financial product transactions or the evaluation value of the cash equivalent product is displayed together with the brand figure portion, the cash of the user account etc. The user can confirm at a glance the outline of the amount and the amount of the financial product related, and the user can smoothly grasp the information necessary for making a transaction decision. In addition, the cash graphic part has a cash indicator, and the cash indicator is moved in conjunction with the movement of the holding amount indicator of the brand graphic part. An increase or decrease in the amount can be indicated by a cash indicator, and the user can also grasp at a glance how the amount of cash or the like in the user account changes when buying or selling financial products.

  In the present invention, when the user holds a plurality of financial products of different brands, since a plurality of brand graphic parts are displayed, the user can confirm at a glance the amount of financial products held for a plurality of brands as a portfolio, While confirming their own portfolio, they can make a decision to sell or purchase a certain issue.

  In the present invention, when a plurality of brand graphic parts are displayed, the holding quantity indicators of other brand graphic parts move so as to be linked with the movement of the user operation of the holding quantity indicator of one brand graphic part. The change in the holding amount due to the sale or purchase of one brand can be related to the holding quantity of another brand. As a result, if you want to sell one issue, you can allocate the amount associated with the sale to the purchase cost of another issue, and if you want to purchase one issue, The amount necessary for the purchase can be covered by the amount associated with the sale of other brands, and it is possible to issue a mutual buy / sell instruction for a plurality of brands at the same time without using cash in the user's account.

  In the present invention, when a plurality of brand graphic parts are displayed, the possession amount indicator of each brand graphic part is moved independently by the user operation. It is possible to provide a suitable service for users who place importance on conducting transactions independently.

  In the present invention, when the possessed amount indicator is selected, a mark indicating the direction in which the retained amount indicator can be moved is displayed. Therefore, when performing a user operation to move the retained amount indicator, Thus, the user can grasp the direction in which the holding amount indicator can be moved, and the user operation for moving the holding amount indicator can be surely performed, so that the order operation for sale or purchase can be accurately performed.

  In the present invention, when online trading of financial products is performed through a web page screen of a website, the web server screen includes a brand graphic portion that graphically represents a user's possession of the financial product for the brand. Data is transmitted to the communication terminal device (user terminal) that is the access source, and the communication terminal device generates and displays a web page screen including the symbol graphic part based on the received screen data. Through the website, the user can intuitively grasp the matters that should be confirmed such as the brand and holding amount, and the displayed symbol graphic part has a holding amount indicator that can be moved by user operation. Then, based on the user operation to move the holding amount indicator in one direction or the other direction, the communication terminal device orders for sale or purchase Since it is sent to the web server, the user can issue an operation instruction related to the order for sale or purchase related to the stock simply by an intuitive operation of moving the holding amount indicator, and an operation that can be quickly and intuitively understood. Can also be secured.

It is the schematic which shows the whole structure of the financial product transaction system which concerns on 1st Embodiment of this invention. It is a block diagram which shows the main internal structures of the smart phone (communication terminal device) which is an example of a user terminal. It is the schematic which shows a home screen. It is the schematic which shows a login screen. It is the schematic which shows the top page screen of a stock transaction application. It is the schematic which shows the specific brand transaction screen of a buying transaction state. It is the schematic which shows the specific brand transaction screen of a sell transaction state. (A) is a schematic diagram showing a purchase confirmation screen, (b) is a schematic diagram showing a sale confirmation screen. (A) is a schematic diagram showing a purchase completion screen, (b) is a schematic diagram showing a sale completion screen. It is the schematic which shows a portfolio screen. It is the schematic of the portfolio graph which shows the selection state of A company stock boundary line. It is the schematic which shows the portfolio screen of a purchase operation state. It is the schematic which shows the portfolio screen of the sale operation state. (A) is the schematic which shows the portfolio screen containing a transaction history list, (b) is the schematic which shows the state which displayed the transaction history list on the full screen. It is a block diagram which shows the main internal structures of a system server. It is a graph which shows an example of brand DB (database). It is a chart which shows an example of user DB. It is the schematic which shows the outline | summary of the content of account DB. It is a chart which shows an example of the contents of a user account table. It is a 1st flowchart which shows the process sequence of a financial product transaction method. It is a 2nd flowchart which shows the process sequence of the financial product transaction method. It is a 3rd flowchart which shows the process sequence of a financial product transaction method. It is a 4th flowchart which shows the process sequence of a financial product transaction method. It is a 5th flowchart which shows the process sequence of the financial product transaction method. It is the schematic which shows the portfolio screen of the modification which displayed the purchase confirmation window in piles. (A) is the schematic of the portfolio graph which shows the selection state of the A company stock boundary line of a modification, (b) is the schematic of the portfolio graph which shows the selection state of the A company stock boundary line of another modification. (A) is a schematic diagram of a portfolio graph showing the selection state of the A company stock boundary line of yet another modified example, (b) is a schematic diagram of a portfolio graph showing a purchase operation state, and (c) is a sale operation state. It is the schematic of the portfolio graph shown. FIG. 7B is a schematic diagram of a portfolio graph of still another modified example showing a selection state of two stock boundary lines, and FIG. 9B is a schematic diagram of a portfolio screen of still another modified example of the transaction operation state. It is the schematic which shows the transaction confirmation screen of another modification. It is the schematic which shows the interlocking | linkage setting menu screen about another modification. (A) is the schematic of the portfolio graph which shows the selection state of A company stock boundary line of another modification, (b) is the schematic of the portfolio screen of another modification of a transaction operation state. It is the schematic which shows the portfolio screen of another modification containing the portfolio graph of a bar graph. (A) is the schematic of the portfolio graph which shows the selection state of A company stock boundary line of another modification, (b) is the schematic which shows the portfolio screen of the purchase operation state of another modification. (A) is a schematic diagram showing the A company stock trading screen of yet another modification using the A company stock graphic part, (b) is a schematic diagram showing the selected A company stock graphic part, (c) is a purchase It is the schematic which shows an attached operation state. It is the schematic which shows the portfolio screen of another modified example containing an equalizer part. (A) is the schematic which shows the A company stock equalizer part of a selection state, (b) is the schematic which shows the portfolio screen of another modification of the purchase operation state of A company stock. (A) is the schematic which shows the memory content of the user terminal which concerns on 2nd Embodiment, (b) is the schematic which shows the memory content of the system server of 2nd Embodiment. It is a 6th flowchart which shows the process sequence of the financial product transaction method of 2nd Embodiment. It is a 7th flowchart which shows the process sequence of the financial product transaction method of 2nd Embodiment. It is an 8th flowchart which shows the process sequence of the financial product transaction method of 2nd Embodiment. It is a 9th flowchart which shows the process sequence of the financial product transaction method of 2nd Embodiment. It is the schematic which shows the example of the portfolio screen which concerns on 3rd Embodiment. It is the schematic which shows the other example of the portfolio screen which concerns on 3rd Embodiment. It is the schematic which shows the other example of the portfolio screen which concerns on 3rd Embodiment. It is the schematic which shows the other example of the portfolio screen which concerns on 3rd Embodiment.

  FIG. 1 shows an overall schematic configuration of a financial product transaction system 1 according to the first embodiment of the present invention. The financial product trading system 1 provides online stock trading services to users (U1, U2, U3, etc.) who are investors, and user terminals (T1, T2, T3, etc.) In the embodiment, a transaction screen capable of accepting a user operation related to trading of stocks is presented, and the contents of the transaction operation (transaction order, etc.) on this transaction screen are transmitted to the securities company system 2 of the securities company. In particular, the present invention is characterized in that a user interface (transaction screen) devised so that the user can intuitively place a stock purchase / purchase order is presented on the user terminal (T1, T2, T3, etc.). Yes.

  In the financial product transaction system 1 of this embodiment, a securities company provides an application program (app. A kind of computer program) for a user to present the above-described user interface on a user terminal (T1, T2, T3, etc.). Such an application program can be downloaded to the user terminal from the securities company system 2 by the securities company via the network. In addition, the securities company system 2 accepts a trading order (sell or buy order) from a user terminal (T1, T2, T3, etc.), and performs a trading process corresponding to the order with a relative transaction (buying and selling without going through the market). (Transactions in which buying and selling methods, transaction prices, and transaction volumes are determined between the parties). The securities company system 2 includes a server device and the like.

  Users (U1, U2, U3, etc.) submit various user information (user name, phone number, email address, etc.) in advance and register with the securities company's online stock trading service in order to use the online stock trading service. When registration is completed, a user ID is given to each user. In addition, when registering for the online stock trading service, the user opens an account related to online stock trading at a securities company or the like, and conducts transactions after performing a procedure for putting cash in the account.

  The user terminals T1, T2, T3 and the like used by the user correspond to communication terminal devices, and specifically, a personal computer (stationary or portable personal computer) having a communication function, a portable user terminal (tablet, A kind of computer-like device having a communication function such as a smartphone, a PDA with a communication function, a mobile phone, etc.) can be applied as a user terminal.

  The financial product transaction system 1 according to the present embodiment also includes an information collection system 3 and an exchange system 4. The information collecting system 3 includes a scraping server 3a and the like, and by the processing of the scraping server and the like, information for investors regarding corporations of stock brands to be traded is received from users (U1, U2, U3, etc.). It can be provided on request. Further, the exchange system 4 performs stock market transactions, and provides various information related to transactions of each issue (stock price of each issue, fluctuation of unit price, etc.) to the securities company system 2 etc. . Hereinafter, the present invention will be described in detail.

  FIG. 2 shows a main internal configuration of a smartphone 10 (communication terminal device) which is an example of a user terminal (T1, T2, T3, etc.). The smartphone 10 corresponds to a kind of computer (computer equipped with communication means and storage means) that performs various processes according to a program. The smartphone 10 is connected to a CPU 10a (processor 10a) that performs overall control and various processes via an internal connection line 10k, a communication / call module 10b (corresponding to communication means), a RAM 10c, a ROM 10d, an input / output interface 10e, and a storage. 10g (corresponding to storage means) and various devices such as a sensor 10i are connected, and an operation unit 10h that can be operated by the user is also connected to the internal connection line 10k.

  The communication / call module 10b of the smartphone 10 includes a function for making a call to a predetermined telephone number (calling function) and a function for receiving a call (incoming call function) in addition to wireless communication processing via the network. Have The RAM 10c temporarily stores contents, files, etc. associated with the processing of the CPU 10a. The ROM 10d stores a program that defines the basic processing contents of the CPU 10a, and also stores identification information (UID) that identifies the smartphone 10. This UID is included in the transmission content when communicating (transmitting) with the communication / call module 10b described above (for example, transmission is performed including the UID in the header of the transmission packet).

  The input / output interface 10e is connected to a display 10f having a rectangular panel screen having a touch panel function, and various screens (see the screens shown in FIGS. 3 to 14) generated by the control processing of the CPU 10a are displayed on the display 10f. An output process is performed, whereby the output screen content is displayed on the display 10f. The input / output interface 10k also performs a process of sending the operation content received by the user touching the surface of the display 10f to the CPU 10a.

  Note that the operation content received by the user touching the surface of the display 10f changes as appropriate according to the displayed screen content. For example, the home screen 11 (see FIG. 3) that serves as the basic screen of the smartphone 10 is displayed. When displayed on the display 10f and touched by the user on the surface corresponding to the location of various icons 11a, 11b, 11c, etc. included in the home screen 11, the icon (for example, the location where the touch is made) The input / output interface 10g accepts that the user has selected the icon 11a) (user selection operation of the icon 11a) via the touch panel function of the display 10f, and the input / output interface 10g transmits the selection operation of the icon 11a to the CPU 10a. .

  The operation unit 10h is a hard button provided on the housing of the smartphone 10, and when the operation unit 10h is operated, the CPU 10g is notified that the operation unit 10h has been operated by the user. The meaning of the operation of the operation unit 10h varies depending on the processing status of the smartphone 10. For example, when the operation unit 10h is operated in a state where the application is activated, an operation for ending the application is performed. In this case, the operation of the operation unit 10h receives an application end instruction from the user. In the case of the present invention, as will be described later, since the stock trading application P2 for online stock trading service (which is downloaded and installed in the storage unit 10g) is used, the stock trading application P2 is activated, When the operation unit 10h is operated, the smartphone 10 accepts an end instruction for the stock trading application P2, and a log-off instruction for the stock trading application P2 is transmitted to the securities company system 2.

  The sensor 10i detects the orientation of the main body of the smartphone 10 (detects whether the panel screen of the display 10f is portrait or landscape), and transmits the detected orientation to the CPU 10a. Note that an inclination sensor (acceleration sensor) is used as a specific specification of the sensor 10i.

  The storage unit 10g stores (installs) programs such as the OS program P1, the stock trading application P2, and other various applications, and also stores various data. The OS program P1 is a basic program corresponding to an operating system, and defines the processing of the CPU 10a for the smartphone 10 to function as a kind of computer. One of the basic processes defined by the OS program P1 is to display the home screen 11 (see FIG. 3) on the display 10f first when the smartphone 10 is ready for use. In the home screen 11, the icons 11a, 11b, 11c and the like corresponding to various applications installed in the storage unit 10g are also arranged by the process defined by the OS program P1.

  The stock trading application P2 stored in the storage unit 10g is an application program (computer program) for online stock trading service provided by the securities company system 2, and various screens for stock trading (see FIGS. 4 to 14). Is displayed on the user terminal, and it is defined that the CPU 10a performs various controls in accordance with the process of transmitting the content of the user operation (such as trading order) to the securities company system 2 on the screen. According to the specified contents, the CPU 10a functions as a generating unit and a displaying unit for various screens such as a transaction screen. The stock transaction application P2 includes screen data corresponding to various screens in addition to the program code defining the processing. The stock trading application P2 can be installed in the storage unit 10g via various storage media (USB memory, memory card, etc.).

  As shown in FIG. 3, when the stock trading application P2 is installed in the storage unit 10g, the stock trading icon 12 for starting the stock trading application P2 can be selected in the home screen 11 based on the OS program P1. Be placed.

  FIG. 4 shows a login screen 15 displayed on the display 10 f when an operation for selecting the stock transaction icon 12 on the home screen 11 is accepted. The stock trading application P2 specifies that the CPU 10a performs the display process of the login screen 15 when the user is not logged in to the stock trading service when the stock trading icon 12 is selected.

  The login screen 15 is generated based on the screen data for the login screen, and has an email address input field 15a, a password input field 15b, and a selectable login button 15c. The stock transaction application P2 also includes part data corresponding to each part arranged as described above as screen data for the login screen. When the login screen 15 is displayed, the soft keyboard 16 is displayed on the display 10f by a function corresponding to the process defined by the OS program P1 described above, and the user operates each key included in the soft keyboard 16 by operating the key. Then, predetermined contents are input to the input fields 15a and 15b. The e-mail address and password to be entered are determined for each user at the time of user registration with the stock trading service.

  When the smartphone 10 accepts a user selection operation of the login button 15c in a state where predetermined contents are input to the input fields 15a and 15b, the input contents (login information) are directed to the securities company system 2. Data that has been created so that it can be sent, and that defines the contents of such creation (data written in a script language, etc.) is also included in the screen data for the login screen (such selection) The same is true for other screen data).

  When the login information associated with the login operation is transmitted and the registered user can be confirmed in the securities company system 2, a notification that the login processing is completed (login completion notification) is sent to the communication terminal device (login information transmission source device ( To be transmitted to the smartphone 10).

  FIG. 5 shows a top page screen 18 (corresponding to an icon screen) of the stock trading application P2, which is displayed on the display 10f when the smartphone 10 receives a notification that the login process is completed on the login screen 15. Is. The top page screen 18 is configured by arranging A-stock to F-company stock trading icons 18a to 18f for activating the transaction processing of brands corresponding to the company A to the company F in the same screen. In addition, the notification accompanying the completion of login transmitted from the securities company system 2 is accompanied by various information such as information on the stock price of a predetermined issue at the time of login and transaction history information of the user who has performed the login processing so far. Various information received together with the notification is temporarily stored in the RAM 10c.

  In the present embodiment, in order to prevent the user from being troubled by the selection of stocks, stocks of 6 companies (Company A to Company F) are extracted in advance by the securities company providing the stock trading service, and these extracted stocks are extracted. The user selects a transaction target from among the items. In order to increase the possibility of becoming a transaction target for a wide range of people, it is preferable to select brands of prominent companies as such transactions, and such transactions are selected from Japanese companies. Or select a well-known company in a certain foreign country and provide a trading service for that country (for example, select a subject from a very well-known company listed in the US market) Etc.). Note that the number of companies (number of issues) selected by the securities company is not limited to 6 companies, but can be increased or decreased from 6 companies as appropriate, but falls under the recommendation of specific issues in the Association's self-regulation rules in the stock trading industry In order to avoid this, it is preferable to arrange at least five icons.

  Further, the top page screen 18 has a menu bar 20 arranged at the lowermost part of the screen where the icons 18a to 18f are arranged, and the menu bar 20 includes a plurality of selectable menu buttons 20a to 20d. (The arrangement of the menu bar 20 is common to each screen). The first menu button 20a is a portfolio button for displaying a portfolio screen (see FIG. 10 and the like) that graphically represents the amount held in accordance with the stock held by the user and the amount in the stock trading account. It is a button. When this first menu button 20a is selected by a user operation, portfolio information that requests portfolio information (information indicating the amount of each stock and the amount of an account, etc.) related to the logged-in user required for displaying the portfolio screen The stock trading application P2 also prescribes processing to transmit a request to the securities company system 2.

  The second menu button 20b is a notification button, and is a button for displaying a notification screen that presents matters to be conveyed to the user by the securities company. When the second menu button 20b is selected by a user operation, the stock trading application P2 also specifies that a notification request for requesting notification information necessary for displaying the notification screen is transmitted to the securities company system 2. ing. The third menu button 20c is a history button, and is a button for displaying a history screen showing the transaction history of the user so far. When the third menu button 20c is selected by a user operation, the stock transaction application P2 also prescribes that the transaction history information stored in the RAM 10c is read and displayed on the display 10f.

  Further, the fourth menu button 20d is a button for displaying a menu screen for performing various settings and the like. When the fourth menu button 20d is selected by a user operation, a menu including various menu items is displayed. The stock transaction application P2 defines that the screen display process is performed.

  FIG. 6 shows the purchase transaction status of the specific brand transaction screen 45 corresponding to Company A (corresponding to one specific brand), and a plurality of transaction icons 18a to 18f included in the top page screen 18 of FIG. Along with accepting the selection of the A company stock transaction icon 18a from the inside, it is displayed on the display 10f by the control processing of the CPU 10a based on the rules of the stock transaction application P2. The specific stock transaction screen 45 shown in FIG. 6 is a dedicated transaction screen for Company A's stock transactions, and is displayed when Company B to Company F stock transaction icons 18b to 18f other than Company A stock transaction icon 18a are selected. The basic screens of the transaction screens dedicated to the shares of Company B to Company F are the same, and only the text portion (screen title 46i, etc.) indicating the company is different. In addition, the specific brand trading screen of the present embodiment is a specification for stock trading in monetary units.

  6 has a first common part 46 on the upper side of the screen, a purchase transaction part 48 dedicated to a purchase transaction state near the lower center of the screen, and a second common part 47 on the lower part of the screen. ing. Note that the above-described menu bar 20 is also arranged at the lowermost part of the specific brand transaction screen 45. As shown in FIGS. 6 and 7, the specific issue transaction screen 45 is switched between the purchase transaction state shown in FIG. 6 and the sale transaction state for sale transaction shown in FIG. 7. 46 and the second common unit 47 are portions having the same configuration in common even if the screen state is switched, while the vicinity of the lower center of the screen is configured according to the switching of the screen state. It is the part that switches.

  The first common unit 46 includes a return button 46g at the upper left corner of the screen and a guide button 46h at the upper right corner of the screen. The return button 46g is a selectable button for returning to the top page screen 18 of FIG. 5, and is selected when the transaction is transferred to another brand. The guidance button 46h is a selectable button for displaying information related to the transaction. When selected, the guidance button 46h is switched from the specific brand transaction screen 45 to an information menu screen (not shown) and displayed on this information menu screen. The desired item is selected. Items on the information menu screen include a pre-contract delivery note, a risk dislodgeer, etc. If the trading issue is from a foreign company, the contents of the foreign securities will also be included in the item. Further, the item on the information menu screen may include the transaction history of the user so far. When the item of the transaction history is selected, the request for the user history regarding the specific issue on the specific issue transaction screen 45 being displayed is requested. Is transmitted to the securities company system 2, and the received transaction history is displayed in response to the transmission of the request.

  Further, between the return button 46g and the guidance button 46h, a screen title 46i for Company A called “Company A stock trading app” is arranged. The screen title 46i is referred to as “B company stock trading application” if the specific brand transaction screen 45 is for B company (when the B company transaction icon 21b is selected on the top page screen 18 of FIG. 5). If it is written for company C (when company C trading icon 21c is selected on top page screen 18), it will be written as "C company stock trading app" (the same applies to other companies DF) ).

  In addition, on the specific brand transaction screen 45, a purchase transaction button 46a and a sell transaction button 46b that can accept a selection operation are arranged below the screen title 46i in the first common unit 46. One of these buttons 46a, 46b is in a selectable state (active state), and by operating the selectable one, the purchase transaction state and the sale transaction state can be switched as appropriate. Yes. That is, in the purchase transaction state, only the sale transaction button 46b can be selected (active state), while in the sale transaction state, only the purchase transaction button 46a can be selected, and the selection operation of the button 46a or 46b in the active state By switching the purchase / sale transaction state.

  Note that the sale transaction button 46b may not be selectable even on the specific brand transaction screen 45 in the purchase transaction state, and the information sent with the login completion notification (temporarily stored in the RAM 10c). The CPU 10a detects whether or not the logged-in user includes information that holds the shares of the company A, and information indicating that the shares of the company A are held cannot be detected. The sale transaction button 46b cannot be selected, and the specific brand transaction screen 45 in the purchase transaction state is displayed. In this case, the logged-in user can only perform a buying transaction for the shares of company A. The specific brand transaction screen 45 is in a purchase transaction state shown in FIG. 6 immediately after being displayed on the display 10f.

  Further, on the specific brand transaction screen 45, a brand column 46 c is arranged below the buy / sell transaction buttons 46 a and 46 b in the first common part 46. In the brand column 46c, if the specific brand transaction screen 45 of FIG. 6 is for A company, the company name of A company is arranged, and if it is for B company, the company name of B company is arranged (others) The same applies to C to F). A selectable brand button 46d (company information button) is arranged in the brand column 46c. When the brand button 46d accepts a user's selection operation, the information collection system 3 shown in FIG. 1 is accessed. , An acquisition request for information on Company A is transmitted. In response to the transmission of the acquisition request, when the smartphone 10 receives information about the company A (IR information or the like) from the scraping server 3a of the information collection system 3, the received information may be displayed on the display 10f. The application P2 is defined. Such received information can be displayed in a separate window or in a pop-up manner on the specific brand transaction screen 45, or can be displayed on a screen switched to the specific brand transaction screen 45.

  In the specific brand transaction screen 45, an amount setting column 46e is arranged below the brand column 46c. The amount setting field 46e is used to set an amount when performing a purchase transaction. In this embodiment, the amount is set in an amount unit (10,000 yen unit) in which the fourth digit or less is all zero in Japanese yen. By touching the surface of the display 10f according to the amount setting field 46e, the amount display in the unit of 10,000 yen is rotated like a slot machine (when used with a smartphone or the like, "Picker" The amount displayed within the amount frame 46f provided in the amount setting field 46e becomes the set amount. Therefore, the user can easily perform an operation of touching the surface of the display 10f so as to rotate the amount setting field 46e like a slot machine (an operation of tracing the display surface upward with a finger or an operation of tracing downward). The amount of money can be set (specify the amount of money), and in particular, the amount of money is set in units of 10,000 yen, so that a wide range of amounts can be quickly set even if the amount of rotation is small.

  In addition, the specific brand transaction screen 45 includes a purchase transaction unit 48 below the first common unit 46 described above, and the purchase transaction unit 48 includes a purchase button 48a and an amount confirmation column 48b. The buy button 48a is a button (equivalent to a buy operation unit) that accepts a user operation of a purchase order for A company stock. When the user operation is accepted with the purchase button 48a, the stock of the A company is set in the amount setting field 46e. Thus, the CPU 10a accepts an operation of a purchase order (buy order) by the amount set in (1).

  The amount confirmation column 48b automatically displays the amount synchronized with the amount within the amount frame 46f of the amount setting column 46e described above by the control processing of the CPU 10a, and is shown in this amount confirmation column 48b. By confirming the text (eg, “Invest 50,000 yen!”), The user can surely grasp the amount of the purchase transaction.

  Further, on the specific issue transaction screen 45, a second common unit 47 is arranged below the above-described buy transaction unit 48. The second common unit 47 includes an average purchase unit price column 47a, a current stock price column 47b, an investment total amount. A column 47c and a current evaluation amount column 47d are included.

  The average buying unit price column 47a shows the amount of the average buying unit price of the user with respect to the stock of Company A at the time of login, and this amount is related to the completion of login by the login operation on the login screen 15 described above. It is extracted from the information included in the information transmitted from the system 2 to the smartphone 10. That is, from the various information temporarily stored in the RAM 10c, the average purchase unit price of the A company stock is extracted by the CPU 10a in response to the selection of the A company stock transaction icon 18a, and the average purchase unit price column 47a. It is supposed to be arranged in.

  The current stock price column 47b is a column showing the latest stock price (the latest stock price) of the stock of A company at the time of login. The CPU 10a extracts the stored information and places it in the current stock price column 47b.

  The total investment column 47c is a column indicating the total amount invested in the shares of the company A by the time of login (the total amount paid for purchasing the shares of the company A so far). Similarly to the above-mentioned average purchase unit price of the A company stock, the CPU 10a extracts the information from the various information stored in the RAM 10c and arranges it in the total investment amount column 47c. The current appraisal value field 47d is an appraisal value for the stock of the Company A shares that the logged-in user has bought up to the time of login (the latest value calculated based on the stock price at the time of login for all stocks of the Company A purchased so far) This value is also extracted from the various information stored in the RAM 10c by the CPU 10a in the same manner as the above-described average purchase unit price of the stock of the company A, and is also the current evaluation value column 47d. Is placed inside.

  Thus, since the second common unit 47 presents various numerical values in the respective columns 47a to 47d, the user can use these presented contents as an index for determining whether or not to place a purchase order, By presenting information on the same screen as the operation screen for performing a purchase order, it is not necessary to switch screens when determining the suitability of the purchase order, which can contribute to a quick purchase order.

  FIG. 7 shows a specific brand transaction screen 45 in the sale transaction state. In the purchase transaction state shown in FIG. 6, the sale transaction button 46b in the first common unit 46 accepts the user's selection operation, and FIG. The screen state shown is switched. In the specific brand transaction screen 45 in the sale transaction state in FIG. 7, the first common part 46 and the second common part 47 are basically the same as those in FIG. 6, but the buy transaction button 46a is selectable. This is different from FIG.

  Further, the selling transaction unit 49 arranged between the first common unit 46 and the second common unit 47 has a configuration exclusively for sale transactions. In FIG. 7, from the left to the right, the amount designation selling button 49a ( An amount-sale operation unit), a full-selling button 49b (corresponding to a full-selling operation unit), and a profit-selling button 49c (corresponding to a profit-selling operation unit) are arranged so as to accept a user's selection operation. An amount confirmation column 49d is arranged below the amount designated sale button 49a.

  As in the case of the purchase button 48a shown in FIG. 6 described above, the amount designated sale button 49a is a sale order for the amount set in the amount setting field 46e of the first common section 46 (in FIG. This is for the CPU 10a to accept the operation of (sell order). The amount confirmation column 49d is the same as the amount confirmation column 48b shown in FIG. 6 described above, and an amount display synchronized with the amount set in the amount setting field 46e of the first common unit 46 is automatically performed by the control processing of the CPU 10a. indicate. Thereby, after confirming the amount set by the user, the user can securely place a sell order of the desired amount.

  The full sell button 49b is for placing a sell order for all stocks of a specific brand held by the logged-in user. When a user operation is accepted with the full sell button 49b, all the stocks held by the logged-in user are displayed. The CPU 10a accepts an operation for selling order (in FIG. 7, all of the shares of Company A).

  The profit selling button 49c is for placing a selling order for the profit related to the stock held (one specific brand corresponding to the specific brand trading screen 45 being displayed). When the profit selling button 49c receives a user operation, When the operation is accepted, the CPU 10a accepts the operation of the selling order for the profit related to the stock held by the logged-in user (in FIG. 7, the stock of the company A, which corresponds to a financial product of one specific brand). Become.

  Also, in the specific brand transaction screen 45 in the sale transaction state shown in FIG. 7, various numerical values are presented in the respective columns 47a to 47d of the second common unit 47 described above. No, or even when placing a sell order, it can be used as an index to determine which of the above three patterns to place a sell order, and these indices are presented on the same screen as the sell order operation screen As a result, it is not necessary to switch screens when making various decisions related to selling orders, and prompt selling order instructions can be made from one of three patterns with a one-touch operation.

  FIG. 8A shows the purchase confirmation screen 25, and when the user selection operation of the purchase button 48a is performed on the specific brand transaction screen 45 in the purchase transaction state shown in FIG. 6, the stock transaction application P2 The screen content displayed on the display 10f by the CPU 10a of the smartphone 10 is provided. The purchase confirmation screen 25 is the content of the purchase transaction (for example, 5 shares of the company A shown in the purchase transaction state 45 shown in FIG. 6 when the purchase button 48a is operated by the user). The confirmation text part 25c describing the contents to be confirmed by the user, the OK button 25a that can be selected, and the return button 25b are included.

  The confirmation text section 25c in the purchase confirmation screen 25 displays a specific brand transaction screen when the purchase button 48a in FIG. 6 is selected in the standard text “Are you sure you want to buy ¥ ○ yen?” 45 brand names (for example, Company A) and set purchase price (for example, 50,000 yen) are generated by inserting them into the “○” position in the above-mentioned fixed text, The fixed text is attached to the stock transaction application P2, and the CPU 10a generates the confirmation text portion 25c in accordance with the process defined by the stock transaction application P2.

  Then, when the OK button 25a in the purchase confirmation screen 25 is selected by a user operation, the CPU 10a makes a purchase order having the content indicated by the confirmation text portion 25c according to the process defined by the stock transaction application P2, and the securities company system 2 is transmitted. The transmitted purchase order includes brand information (brand ID) representing one brand to be traded and money amount information representing a set amount. Further, when the return button 25b in the purchase confirmation screen 25 is selected by a user operation, the content of the display 10f is changed according to the process defined by the stock transaction application P2, and the specific brand screen 45 in the sale transaction state in FIG. The CPU 10a performs the display switching process so as to return to step S2.

  FIG. 9A shows a purchase completion screen 27, which is displayed when the OK button 25a on the purchase confirmation screen 25 in FIG. 8A is selected by a user operation. That is, the stock transaction application P2 receives the purchase completion notification sent from the securities company system 2 in response to the transmission of the purchase order accompanying the selection operation of the OK button 25a to the securities company system 2. By the specified process, the CPU 10a performs a process of displaying the purchase completion screen 27 on the display 10f.

  The purchase completion screen 27 includes a purchase order completion text portion 27a, a confirmation button 27b, and a portfolio button 27c. The purchase order completion text part 27a is a message that informs the user that the purchase process for the purchase order issued by the user has been completed successfully. When the operation selected by the user is performed, the confirmation button 27b allows the CPU 10a to perform control to switch to the display of the top page screen 18 shown in FIG. Regulates. Further, when an operation for selecting the portfolio button 27c is performed by the user, the display is switched to the display of the portfolio screen 21 shown in FIG. The stock trading application P2 defines that the CPU 10a performs the control.

  On the other hand, FIG. 8B shows the sale confirmation screen 26. In the specific brand transaction screen 45 in the sale transaction state shown in FIG. 7, any of the price designation sale button 49a, the full sale button 49b, or the profit sale button 49c is selected. When the user selection operation is performed, the screen content displayed on the display 10f by the CPU 10a of the smartphone 10 in accordance with the provisions of the stock transaction application P2. The sale confirmation screen 26 shown in FIG. 8B shows a confirmation text part 26c corresponding to the contents when the amount designation sale button 49a is operated on the specific brand transaction screen 45 of FIG. The content of the confirmation text part 26c when the full sell button 49b is operated indicates that all the shares held by the company A are sold, and the profit sell button 49c is operated. The contents of the confirmation text part 26c are contents describing that the current profit for the shares of the company A will be sold.

  The sale confirmation screen 26 has an OK button 26a and a return button 26b, similar to the purchase confirmation screen 25 in FIG. When the OK button 26a is selected by a user operation, the CPU 10a performs a process of transmitting the sale order indicated by the confirmation text part 25c to the securities company system 2 in accordance with the process defined by the stock transaction application P2.

  It should be noted that in the case of the price designated selling in the price designated selling order transmitted to the money brokerage system 2, the brand information (brand ID) representing one specific brand (for example, Company A) to be traded and the set amount The money amount information indicating is included. In addition, the all-sell order transmitted in the case of all-sell includes brand information (brand ID) representing one specific brand to be traded, instruction information for selling the entire price, and the like. Further, the profit selling order transmitted in the case of profit selling includes brand information (brand ID) representing one specific brand to be traded, instruction information for selling the profit, and the like. When the return button 26b is selected by the user operation on the sale confirmation screen 26, the content of the display 10f returns to the specific brand screen 45 in the sale transaction state in FIG.

  FIG. 9B shows a sale completion screen 28, which is displayed when the OK button 26a on the sale confirmation screen 26 in FIG. 8B is selected by a user operation. This is a screen corresponding to the purchase completion screen 27. The sale completion screen 28 is also sent from the securities company system 2 in response to the transmission to the securities company system 2 of the sale order (sell order) accompanying the selection operation of the OK button 25a, similarly to the purchase completion screen 27 described above. Along with the receipt of the sale completion notification, it is displayed on the display 10f.

  The sale completion screen 28 includes a sale order completion text portion 28a, a confirmation button 28b, and a portfolio button 28c. The sale order completion text portion 28a is a message that informs the user that the sale process for the sale order issued by the user has been completed successfully. The confirmation button 28b and the portfolio button 28c are the purchase buttons shown in FIG. This has the same meaning as the confirmation button 27b and portfolio button 27c on the addition completion screen 27. Next, the portfolio screen 21 that is a feature of the present invention will be described.

  FIG. 10 shows an example of the portfolio screen 21, and the first menu button 20a (portfolio button) in the menu bar 20 arranged at the bottom of each screen, or the portfolio buttons 27c, 28c of FIGS. 9 (a) and 9 (b). Is displayed on the display 10f when the user performs a selection operation. The portfolio screen 21 has a portfolio graph 30 in the upper part 21a of the screen, portfolio detail information 22 in the lower part 21b of the screen, and a menu bar 20 arranged at the bottom of the screen, like the other screens. It has become. The portfolio screen 21 is a portfolio graph 30 that graphically shows a portfolio related to stocks and the like held by the user, and that the user can buy and sell stocks held by an intuitive user interface.

  By selecting either the first menu button 20a of the menu bar 20 or the portfolio buttons 27c and 28c, a portfolio information request is transmitted from the user terminal to the securities company system 2. In response to the transmission of the portfolio information request, the portfolio graph 30 and the portfolio graph 30 based on the provisions of the stock trading application P2 using the portfolio information (information having the stock holding information and the account cash information) sent from the securities company system 2 A portfolio screen 21 including the portfolio detail information 22 is generated by the CPU 10a and displayed on the display 10f.

  The portfolio screen 21 shown in FIG. 10 is an example, and a logged-in user has a total asset amount of 1 million yen, a stock of A company worth 250,000 yen (the most recent appraisal value of the stock of A company), and a stock of B company 2 million yen, C company shares 150,000 yen, D company shares 100,000 yen, E company shares 50,000 yen, and the user's account has 250,000 yen cash Is displayed when portfolio information is received. When the portfolio information having such contents is received, the CPU 10a calculates the ratio (percentage) of the evaluation value of the stock of each brand to the total asset amount, and controls the CPU 10a to generate the portfolio graph 30 based on the calculated information and the like. The stock trading application P2 defines what to do.

  The portfolio graph 30 on the portfolio screen 21 shows the portfolio of the user who is logged in graphically as a pie chart. The fan-shaped A company stock graphic part 31, B company stock graphic part 32, C company stock graphic part 33, D It has a company figure part 34, an E company figure part 35, and a cash figure part 36 (AE company figure parts 31 to 35 correspond to the brand figure part). The A company stock graphic part 31 to the E company stock graphic part 35 have the dimensions (arc dimensions) in the circumferential direction in the circumferential direction according to the amount held for each brand (evaluation amount of each brand). The cash figure part 36 also has a circumferential dimension (arc dimension) according to the amount of cash in the account, It is a graphic representation of the amount of cash.

  The portfolio screen 21 in FIG. 10 includes a portfolio graph 30 related to the stocks of Company A to Company E. The types of stocks included in the portfolio graph 30 depend on stock stocks held by the logged-in user. The stock brands included in the portfolio graph 30 are appropriately changed depending on the types of brands held by the user. Therefore, for example, when the logged-in user has only the stocks of 3 companies, A company, B company, and C company, the portfolio graph in that case is A company stock graphic part, B company stock graphic part, C company stock graphic Part and cash figure part. In addition, the portfolio graph 30 in FIG. 10 shows a total amount of assets (1 million yen in FIG. 10) of the user of the online stock trading service in the space where the central portion 30a is opened in a donut shape. In addition, how to display the total asset amount of the user (the total amount of the amount of each financial product held by the user related to the holding information and the amount of cash of the user account related to the account cash information) is shown in FIG. In addition to the donut-shaped central portion 30a shown in FIG. 10, a display frame is newly provided around the portfolio graph 30 (for example, above or below the portfolio graph 30), and the total asset amount of the user is displayed in the display frame. You may make it display. When the total asset amount is displayed in the display frame provided around the portfolio graph 30 as described above, there is a merit that the total asset amount can always be confirmed even if various operations are performed.

  Company A's stock graphic part 31 in the portfolio graph 30 accounts for a quarter of the total asset value of 1 million yen, which is 250,000 yen out of the total assets of the user. It has a fan shape that secures a quarter range (arc range), and the boundary lines toward the center of the pie chart are shown at both ends 31c and 31d of the quarter range. The boundary line of one end 31c on the counterclockwise rotation direction side in the A company stock graphic portion 31 is fixed, while the A company stock boundary line 31a on the other end 31d on the clockwise rotation direction side serves as a holding amount indicator. It is placed in a graphic location that identifies the amount of stock held (25% of total assets), so that you can intuitively understand that the shares held by Company A are 25% of total assets. Yes.

  In addition, the B company figure part 32 to the E company figure part 35 are also fans which have secured a range (arc range) according to the user holding amount of the B to E company stock, similarly to the A company figure part 31 described above. The B company stock boundary line 32a to the E company stock boundary line 35a at the end in the clockwise direction are used as the holding amount indicators, respectively, and each holding amount (total assets 20, 15, 10, It is arranged at a graphic location that specifies any one of 5%). Furthermore, each company stock boundary line 31a-35a can be selected by the user for the order of buying and selling each stock, and when selected, it can be moved clockwise or counterclockwise by a user operation. In addition, it is a feature of the present invention that an order for buying and selling stocks can be intuitively made by the moving operation. Details of selection and movement of each company stock boundary line 31a to 35a will be described later with reference to FIGS.

  In addition, A company stock figure part 31-E company stock figure part 35 are the texts (for example, A company stock figure part which show the percentage of the amount of assets based on the amount of brands with respect to the brand and the total assets in the internal areas 31b to 35b. 31, “Company A 25%”) is arranged so that specific numerical values for each brand can also be confirmed on the portfolio graph 30. As will be described later, the internal areas 31b to 35b of the respective stock figure parts 31 to 35 can be selected by a user operation.

  Moreover, the cash figure part 36 also becomes the fan shape which ensured the circumferential range according to the ratio of the account deposit amount with respect to the total amount like the A company stock figure part 31-E company stock figure part 35 mentioned above fundamentally. In the fan-shaped internal area 36b, text indicating the percentage of the total amount of cash in the account with respect to the total assets (“25% cash” in FIG. 10) is written. In addition, the cash figure portion 36 fixes the boundary line at the end portion on the clockwise direction side, while the cash boundary line 36a located at the end portion on the counterclockwise direction side functions as a movable cash indicator. In the case shown in FIG. 10, since the amount (cash) in the account is 250,000 yen, the location of the circumference of the pie chart that is a quarter of the total asset amount (1 million yen) ( The cash boundary line 36a is arranged in a place specifying 250,000 yen among 1 million yen. In addition, in the case shown in FIG. 10, the E company stock boundary line 35a of the E company stock figure part 35 and the cash boundary line 36a of the cash figure part 36 coincide.

  The cash boundary line 36a is moved in the clockwise or counterclockwise direction in conjunction with the trading operation of the A company stock to the E company stock in the portfolio graph 30 described later. That is, when the sale operation of the A company shares to the E company shares is performed, the cash boundary line 36a rotates counterclockwise by the circumference range corresponding to the sale amount, while the A company shares to the E company shares. When the purchase operation is performed, the rotation is made in the clockwise direction by the amount corresponding to the circumferential range corresponding to the purchase amount.

  For example, when an operation to sell the stock of Company A for 50,000 yen is performed, the amount associated with the sale is credited to the user account, so that the cash in the user account is increased by 50,000 yen. The cash boundary line 36a moves counterclockwise by 1/20 of the total circumferential range corresponding to 50,000 yen. In addition, if an operation to purchase the shares of Company A for 50,000 yen is performed, the purchase funds will be covered by the user account, so that the cash in the user account will be reduced by 50,000 yen, The cash boundary line 36a moves in the clockwise direction by 1/20 of the total circumferential range corresponding to 50,000 yen.

  Further, the portfolio detail information 22 in the screen lower part 21b in the portfolio screen 21 is a text indicating the contents of the received portfolio information, and the stock holding amount (the most recently acquired) of each company stock held by the logged-in user. (Evaluation amount) etc. are presented. The portfolio detail information 22 in the example shown in FIG. 10 includes “Company A: 250000 yen”, “Company B: 200,000 yen”, “Company C: 150000 yen”, “D Company: 100,000 yen”. ”,“ Company E: 50000 Yen ”, and“ Cash: 250000 Yen ”, the contents of the portfolio related to the user-held stock, and the contents graphically shown in the portfolio graph 30 in the upper part 21a of the screen The contents are described in detail in.

  In the present invention, by presenting such a portfolio screen 21 to the user, the user can quickly grasp an overview of the portfolio related to his / her stock by using the portfolio graph 30 in the upper part 21a of the screen and the portfolio in the lower part 21b of the screen. Detailed information can be accurately grasped by the detailed information 22.

  FIG. 11 shows a state where an A company stock boundary line 31a (corresponding to a holding amount indicator) of the A company stock graphic section 31 of the portfolio graph 30 on the portfolio screen 21 of FIG. 10 is selected by a user operation. The selection of the A company stock boundary line 31a in the present embodiment is performed when a tap operation is performed such that the display location of the A company stock border line 31a on the display 10f is touched by the user's fingertip, the touch panel function of the display 10f The stock boundary line 31a is selected. In addition, when the A company stock boundary line 31a is selected, the line width becomes wider than the state shown in FIG. 10 so that the user can visually recognize that it is in the selected state.

  Moreover, when A company stock boundary line 31a will be in a selection state, CPU10a of the smart phone 10 will change the direction (clockwise rotation direction or counterclockwise rotation direction) of A company stock boundary line 31a according to the rule of stock transaction application P2. The movement mark 40 including the arrows 40 a and 40 b shown is displayed near the other end 31 d of the A company stock graphic unit 31. With this movement mark 40, the user can visually recognize that the A company stock boundary line 31 a is moved and the movable direction. In addition, as a method of selecting the boundary line (for example, A company stock boundary line 31a) to be operated, other methods other than the tap operation of the boundary line display location as described above can be assumed. For example, when the graphic range of the fan-shaped A company stock graphic unit 31 is set as a tap target and a tap operation is performed on the display area of the graphic range of the A company stock graphic unit 31, the touch panel function of the display 10f The smartphone 10 may identify the tap operation location, recognize the A company stock graphic unit 31 as an operation target, and may move the A company stock boundary line 31a accordingly. In this case, in order to show that the A company stock figure part 31 has become an operation target, the A company stock figure part 31 is expanded so that the fan-shaped arc part moves in the normal direction, and other figures are displayed. You may make it distinguishable from the part 32 grade | etc.,. If the method of selecting the area range of the graphic part is used in this way, it becomes easier to select the target desired by the user, and the user interface can be improved.

  FIG. 12 shows the portfolio screen 21 in a state (buy operation state) in which a user operation is performed to rotate the A company stock boundary 31a of the A company stock graphic unit 31 in the selected state shown in FIG. 11 in the clockwise direction. Shown (rotation in the direction of the black arrow in the figure). When the A company stock boundary line 31a is rotated in the clockwise direction, the graphic range of the internal area 31b of the A company stock graphic section 31 is expanded, and the expansion of the internal area 31b increases the shares held by the A company stock. Therefore, the operation of rotating the A company stock boundary line 31a in the clockwise direction in this way corresponds to the purchase order instruction operation for increasing the shares held in the A company stock in this embodiment, and the CPU 10a A user operation for rotating the A company stock boundary line 31a in the clockwise direction is accepted as a purchase operation for the A company stock.

  Further, the purchase amount (transaction amount) of the purchase order corresponds to the movement amount (rotation amount) of the A company stock boundary line 31a, and in the case shown in FIG. 12, the original amount of the A company stock boundary line 31a. A state where the company A stock boundary line 31a is moved from the position (indicated by a broken line in FIG. 12) by 1/20 of the total circumferential range of the portfolio graph 30 is shown. In the case of FIG. 12, since the total asset amount is 1 million yen (see FIG. 10), the CPU 10a detects the movement amount of the A company stock boundary line 31a (twentieth of the total circumference range), The transaction amount of 50,000 yen, which is 1/20 of 1 million yen, is specified as the transaction amount, and the move operation of the A company stock boundary line 31a is accepted as the purchase order for the specified 50,000 yen.

  In the portfolio graph 30, the cash boundary line 36 a of the cash figure portion 36 is rotated in the clockwise direction in conjunction with the user purchase operation for increasing the holding amount of the Company A stock by 50,000 yen. The movement by a fraction is automatically performed under the control of the CPU 10a. This movement of the cash boundary line 36a indicates that the cash in the account will be reduced by 50,000 yen for the purchase of Company A shares. In addition, the figure range in the other B company stock figure part 32-E company stock figure part 35 does not increase / decrease by such purchase order of A company stock.

  As a specific movement operation of the above-mentioned A company stock boundary line 31a, the display direction corresponding to the A company stock boundary line 31a on the display 10f is touched with the fingertip of the user, and the moving direction (in the case of FIG. This is performed by a drag operation in which the fingertip is slid in the direction indicated by the arrow (such a drag operation applies to a purchase operation and a sale operation).

  There is a limit to the amount of movement of the drag operation of the A company stock boundary line 31 a related to such a purchase operation, and the limit is determined by the amount of cash in the account indicated by the cash graphic part 36. That is, if the amount of cash in the account is 250,000 yen, the upper limit for moving the A company stock boundary line 31a in the clockwise direction is 4 on the circumference of the portfolio graph 30 corresponding to 250,000 yen in the account cash. The range is a fraction of a minute. Therefore, even if the user performs a drag operation to move the A company stock boundary line 31a beyond the range of a quarter of the circumference, the CPU 10a does not perform dragging that exceeds the range of a quarter of the circumference. By ignoring the operation and detecting the most recent cash amount in the account, the Company A stock boundary line 31a is controlled so as not to move beyond a quarter of the circumference at most.

  When the above-described drag operation is performed, the CPU 10a controls the screen lower part 21b of the portfolio screen 21 to present the trade order menu 23 from the presentation of the portfolio detail information 22 (see FIG. 10). Is automatically switched to. The sales order menu 23 includes a transaction amount display field 23a, a purchase button 23b, a sale button 23c, and a cancel button 23d.

  The transaction amount display column 23a is a column in which the transaction amount according to the movement amount (rotation amount) by the user's drag operation described above is shown, and the CPU 10a detects the movement amount by the drag operation, and the detected movement amount. The corresponding amount is determined by calculating (calculating) from the total asset amount of the user, and the specified amount is arranged in the transaction amount display field 23a. In addition, since the transaction according to the present embodiment has a specification in which an amount is set in units of 10,000 yen as described above, the transaction is specified by calculating the amount by drag operation in units of 10,000 yen. By rounding off the amount corresponding to the amount of movement, the CPU 10a specifies the amount in units of 10,000 yen. Since the transaction amount is presented in the transaction amount display field 23a in synchronization with the drag operation, the desired transaction amount is adjusted by adjusting the amount of movement of the drag operation while viewing the amount indicated in the transaction amount display field 23a. The user can specify it.

  The purchase button 23b is in a state where a user's selection operation can be accepted when the user's drag operation is a purchase operation (active state), and when the user's drag operation is a sale operation, the user's selection operation cannot be accepted. State (inactive state, see FIG. 13). The active state and the inactive state of the purchase button 23b are switched by the CPU 10a when the CPU 10a detects whether the user's drag operation is a purchase order or a sale order, and in the active state When the selection is accepted, an operation of a purchase order for the transaction amount indicated in the transaction amount display field 23a when the selection is accepted is accepted.

  When the CPU 10a receives a purchase order instruction by selecting the purchase button 23b, the portfolio screen 21 in the purchase operation state shown in FIG. 12 is displayed on the purchase confirmation screen 25 shown in FIG. Processing for switching the display of 10f is performed.

  In the switched purchase confirmation screen 25, the content of the purchase order instruction on the portfolio screen 21 in the purchase operation state of FIG. 12 is in the state indicated by the confirmation text portion 25c, and OK. When the button 25a is selected by a user operation, the CPU 10a transmits a purchase order having the content indicated by the confirmation text portion 25c to the securities company system 2 as in the case described above. Further, when the OK button 25a is selected, the purchase completion screen 27 of FIG. 9A is displayed on the display 10f as in the case described above. When the purchase confirmation screen 25 is displayed by transition from the portfolio screen 21 and the return button 25b is selected on the purchase confirmation screen 25, the display 10f is displayed on the portfolio screen 21 in the state of FIG. The CPU 10a performs control to switch between.

  Returning to FIGS. 12 and 13, the sale button 23 c included in the trade order menu 23 in the lower part 21 b of the screen accepts the user's selection operation when the drag operation of the company A stock boundary line 31 a is a sale operation. When the user's drag operation is a purchase operation, the user's selection operation cannot be accepted (inactive state, see FIG. 12). As in the case of the purchase button 23b described above, the active state and the inactive state of the sale button 23c indicate that the CPU 10a is operated by a user drag operation of the A company stock boundary line 31a, either a purchase order or a sale order. The CPU 10a is switched by detecting whether it is present. When the selection is accepted in the active state, the CPU 10a accepts an instruction to sell the transaction amount indicated in the transaction amount display field 23a when the selection is accepted. It will be.

  Then, when the CPU 10a accepts the sale order by the selection operation of the sale button 23c, the process of switching the display of the display 10f from the portfolio screen 21 in the sale operation state in FIG. 13 to the sale confirmation screen 26 shown in FIG. 8B. Will do.

  In the switched sale confirmation screen 26, the contents of the sale order instruction on the portfolio screen 21 in the sale operation state in FIG. 13 are in the state indicated by the confirmation text portion 26c, and an OK button 26a is displayed. When selected by a user operation, the CPU 10a transmits a sale order having the content indicated by the confirmation text portion 26c to the securities company system 2 as in the case described above. Further, by selecting the OK button 26a, the sale completion screen 28 of FIG. 9B is displayed on the display 10f as in the case described above. Even when the return button 26b is selected on the sale confirmation screen 26 in this case, the display of the display 10f is switched to the portfolio screen 21 in the state of FIG.

  In addition, the cancel button 23d included in the trade order menu 23 in FIGS. 12 and 13 is in an active state in which a selection operation can be performed regardless of the rotation direction of the user's drag operation. 10, the CPU 10 a performs control to switch the display of the display 10 f to the portfolio screen 21 in the state of FIG. 10 (the A company stock boundary line 31 a is moved by the drag operation on the switched portfolio screen 21. Reset to the previous position).

  In FIG. 13, the portfolio screen 21 in a state (sale operation state) in which a user operation is performed to rotate the A company stock boundary line 31a of the A company stock figure portion 31 in the selected state shown in FIG. (Rotation in the direction of the black arrow in the figure). When the A company stock boundary line 31a is rotated in the counterclockwise direction, the graphic area of the internal area 31b of the A company stock graphic section 31 decreases, and the decrease in the internal area 31b decreases the stock held by the A company stock. Therefore, the operation of rotating the A company stock boundary line 31a in the counterclockwise direction as described above corresponds to the operation for instructing the sale order to decrease the stock held by the A company stock in this embodiment, and the CPU 10a Accepts a user operation for rotating the A company stock boundary line 31a in the counterclockwise direction as a sale operation for the A company stock.

  Further, the sale amount (held amount) of the sale order corresponds to the movement amount (rotation amount) of the A company stock boundary line 31a as in the case of the purchase order described above. In the case shown in FIG. In this case, the CPU 10a detects the amount of movement of the A company stock boundary line 31a by moving from the original position of the stock boundary line 31a by 1/20 of the total circumferential range of the portfolio graph 30. 50,000 yen, which is 1/20 of 1 million yen of the total asset amount, is specified, and a movement operation of the A company stock boundary line 41a is accepted as an operation of the specified sales order for 50,000 yen.

  In the portfolio graph 30, the cash boundary line 36 a of the cash figure portion 36 is counterclockwise in the total circumferential range in conjunction with the user selling operation for reducing the holding amount of the Company A stock by 50,000 yen. The movement by 1/20 is automatically performed under the control of the CPU 10a. This movement of the cash boundary line 36a indicates that the cash in the account is increased by 50,000 yen due to the sale of Company A shares. In addition, even in such an order for the sale of the A company stock, the graphic range in the other B company stock graphic part 32 to the E company stock graphic part 35 does not increase or decrease.

  The limit of the movement amount of the drag operation of the A company stock boundary line 31a related to the sale operation is until the A company stock boundary line 31a reaches the one end 31c, and exceeds the one end 31c in the counterclockwise direction. Even if there is a drag operation for moving the line 31a, the CPU 10a ignores the drag operation in the range exceeding the one end 31c, and controls so that the company A stock boundary line 31a is within the maximum movement range until it matches the one end 31c. To do. When the movement operation is performed so that the A company stock boundary line 31a coincides with one end, the operation instruction for selling all the shares of the A company stock is performed.

  Even with the sale operation as described above, the buy / sell order menu 23 is automatically presented in the screen lower part 21b of the portfolio screen 21, but the purchase button 23b is in an inactive state since FIG. 13 is in a sale state. On the other hand, the sale button 23c is in an active state so that a user's selection operation can be accepted. In addition, although the description mentioned above was performed in the case of selection and movement operation with respect to the A company stock boundary line 31a of the A company stock figure part 31 about the selection state of FIGS. 11-13, the purchase state, and the sale state, The selection and movement operations related to the B company stock boundary line 32a to the E company stock border line 35a of the other B company stock graphic part 32 to the E company stock graphic part 35 are the same as described above.

  FIG. 14A shows a state in which the user has selected the internal area 31b of the A company stock graphic section 31 on the portfolio screen 21 shown in FIG. When the selection operation of the internal area 10b of the A company stock graphic section 31 is performed, the CPU 10a transmits a transaction history request regarding the A company stock to the securities company system 2, and the introduction company system 2 sends the transaction history of the A company stock. When the information shown is received, the transaction history list 24 is generated based on the received information and presented on the screen lower part 21b. In addition, when the user turns the main body of the smartphone 10 sideways (horizontal direction) with the transaction history list 24 displayed in this manner, the sensor 10i detects the posture of the main body, and based on the detection. The CPU 10a presents the transaction history list 24 of the A company stock on the entire screen of the display 10f so that many items of history contents can be confirmed at one time (see FIG. 14B).

  In addition, also when the internal area | regions 32b-35b of the other B company stock figure part 32-E company stock figure part 35 are selected, the transaction history list of the selected brand is displayed on the screen lower part 21b similarly to the above. Will be. Also, in the cash figure part 36, when the internal area 36b is selected, a list of account transactions is displayed on the lower part 21b of the screen. In the above example, the transaction history list 24 is generated using the information related to the transaction history acquired by transmitting the transaction history request. However, if the time has not elapsed since the login, the process is simplified. For example, the transaction history list 24 can be generated using the transaction history information received during the login process and stored in the RAM 10c without transmitting the transaction history request.

  Although the description regarding the smart phone 10 is as mentioned above, as above-mentioned, personal computers other than a smart phone, a tablet, PDA with a communication function, a mobile phone, etc. are applicable to user terminal T1, T2, T3, Among devices other than these smartphones, in a device that does not have a touch panel function, the display unit is connected to an output interface that outputs display information and the operation from the user is performed with respect to the configuration shown in FIG. The key, button, switch, mouse, and the like to be received are different in that they are connected to the input interface, but otherwise the configuration is basically the same as that shown in FIG. Therefore, the configurations of the user terminals T1, T2, T3 and the like applicable to the present invention conform to the contents shown in FIG. Next, the securities company system 2 that provides the online stock service of this embodiment will be described.

  FIG. 15 shows a system server 80 (corresponding to a server device) included in the securities company system 2. The system server 80 constitutes a core part of the securities company system 2 and performs processing necessary for providing an online stock transaction service to the user. In FIG. 15, the system server 80 is shown as the server computer. For example, the system server 80 is configured by combining a plurality of server computers and database systems by performing distributed processing or the like for various processes performed by the system server 80. A configuration with a plurality of devices is also equivalent to the server device of the present invention. Hereinafter, the system server 80 will be described.

  As the system server 80 in this embodiment, a general server computer is applied, and various devices and the like are connected to an MPU 80a (control unit 80a) that performs overall control and various processes by an internal connection line 80h. It has become. The various devices include a communication module 80b, a RAM 80c, a ROM 80d, an input interface 80e, an output interface 80f, a mass storage system (HDD system) 80g, and the like.

  The communication module 80b is a communication device (communication means) corresponding to a connection module with a network and conforms to a required communication standard (for example, a LAN module based on the IEEE communication standard). The communication module 80b is connected to a network (such as an internal network of the securities company system 2 and an external network) via required communication equipment (not shown; for example, a router or the like), and the user terminals T1, T2 , T3, etc. and various external servers (scraping server 3a, web server, database server, etc.).

  The RAM 80c temporarily stores contents, files and the like accompanying the processing of the MPU 80a, and the ROM 80d stores programs and the like that define the basic processing contents of the MPU 80a. The input interface 80e is connected to a keyboard 80i and a mouse for receiving operation instructions from a securities company system administrator or the like, and transmits the operation instructions received from the system administrator or the like to the MPU 80a. The output interface 80f is connected to a display 80j (display output device), and outputs the contents accompanying the processing of the MPU 80a to the display 80j so that the system administrator can check the current processing contents and the like. .

  The large-capacity storage system 80g (corresponding to storage medium means) stores programs, databases (DB), and the like. In this embodiment, the system program P10, transaction program P11, brand DB 81, user DB 82, account DB 83, etc. Is remembered.

  The system program P10 defines various processes according to the operation system for the server, and the system server 80 performs basic functions as a server when the MPU 80a executes processes based on the specified contents. . The transaction program P11 will be described later, and the brand DB 81 and the like will be described first.

  FIG. 16 shows an example of the contents of the brand DB 81. In the present embodiment, since the securities company system 2 handles the stocks handled by the relative transaction as 6 companies A to F as described above, the stock DB 81 corresponds to the stock IDs assigned to the A to F companies. In addition, the closing price, the highest price, and the lowest price for each day are stored. When the closing price is not fixed on the most recent day, the latest price at that time is stored instead of the closing price (see today's column). Each value stored in the brand DB 81 indicates a value in a relative transaction, and can be set to a value referring to various information transmitted from the exchange system 4 shown in FIG. Updated as needed depending on the situation.

  FIG. 17 shows an outline of the contents of the user DB 82. The user DB 82 is a database that stores various types of information of a user who has registered with the online stock trading service provided by the securities company system 2 and has opened a trading account. It is given to registered users from the securities company system 2, and the user DB 82 stores various information in association with the given user ID. Specifically, the user DB 82 stores, for each user ID, the user's name, address, telephone number, e-mail address, UID (identification information of the user terminal), occupation, password, and the like. In the present embodiment, the registered e-mail address is used as a login ID at the time of login, and the password uses alphanumeric information registered by the user at the time of user registration. Note that the contents of the user DB 82 are appropriately updated by the service management side in accordance with registration of a new user or withdrawal of a registered user.

  FIG. 18 shows an outline of the contents of the account database 83 stored in the mass storage system 80g described above. The account database 83 corresponds to a transaction history database that stores a history of trading transactions of registered users. For each user ID, account information relating to a user's stock trading history (date information on stock trading, the number of shares associated with trading) The user account table 900, 901, 902, etc. for storing information on the amount of money used for buying and selling, etc., so that account information can be stored for each user (user ID). .

  FIG. 19 shows an example of the contents of the user account table 900 with the user ID 0001. The user account table 900 stores data associated with stock transactions relating to each brand and account. The date and the contents of the buying and selling transaction (buy amount) for each brand (brand ID) transaction column 900a, 900b, 900c, etc. Stores the number of shares purchased, number of shares sold, number of shares sold, unit price at the time of trading) and holding status (number of shares held after trading), and details of cash in and out of the account (cash in and out associated with trading of brands) And the holding state (the amount of money in the account after the cash goes in and out) is stored in the cash column 901.

  In such a user account table 900, with the completion of the trading process according to the user's trading order, information indicating the trading process content is controlled by the MPU 80a as needed, and the transaction column 900a for each brand and the cash column 901 are displayed. It will be stored in. The transaction history list 24 shown in FIGS. 14A and 14B is generated based on the information stored in the transaction column of the A company stock from the user account table of the corresponding user who is logged in, and An account transaction list displayed in the same way as the history list 24 is also generated based on information stored in the cash field 901 of the user account table of the corresponding user who is logged in.

  Next, the processing content prescribed | regulated by the transaction program P11 memorize | stored in the mass storage system 80g in the system server 80 of the securities company system 2 is demonstrated. The transaction program P11 of the present embodiment defines a control process and the like executed by the MPU 80a with respect to user login and sales transactions. First, when login information (user email address, password, user terminal UID, etc.) transmitted from the user terminal is received by the communication module 80b, the received login information is stored in the user DB 82 in FIG. The transaction program P11 defines that the MPU 80a performs a process of determining whether there is a match among the stored information.

  When it is determined that the received login information is not stored in the user DB 82, the transaction program P11 performs control for the MPU 80a to transmit, using the communication module 80b, the fact that the login information does not match to the user terminal that is the login information transmission source. Regulates. On the other hand, when it is determined that the received login information is stored in the user DB 82, the MPU 80a performs control to transmit the login information match to the user terminal that is the login information transmission source using the communication module 80b, and The transaction program P11 prescribes that the MPU 80a performs a process of setting the user ID corresponding to the login information to the login state and storing the login state information indicating that the login is being performed in the RAM 80c or the like. This login state information is stored until logoff information is received.

  When the purchase order is received from the logged-in user terminal, the latest value at the time when the purchase order is received is used as the stock price of the stock indicated by the stock information included in the purchase order. A transaction that the MPU 80a performs to calculate the number of shares to be purchased (the number of transactions) by dividing the amount indicated by the amount information included in the received purchase order by the most recent stock price specified The program P11 is defined. Then, the trading program P11 defines that the MPU 80a executes a purchase process of the number of shares in a tradeable unit based on the calculated number of shares purchased in a relative transaction. At this time, if the calculated number of purchased shares is smaller than the number of shares in the tradeable unit, the CPU 80a executes the purchase process with the number of shares in the tradeable unit. When the purchase process is completed, the transaction program P11 defines that the MPU 80a performs the process of transmitting the purchase completion notification to the user terminal that has transmitted the purchase order using the communication module 80b.

  In addition, when a sale order with a set amount is received from a logged-in user terminal, the latest value at the time when the sale order is received is displayed as the stock price indicated by the brand information included in the sale order. The MPU 80a calculates the number of shares to be sold (the number of transactions) by performing an operation of identifying the 16 brand DBs 81 and dividing the amount indicated by the amount information included in the received sale order by the identified recent stock price. The transaction program P11 defines this. Then, the trading program P11 defines that the MPU 80a executes the selling process of the number of tradeable units based on the calculated number of sold shares in a relative trade. Also in the selling transaction, as in the case of the buying transaction described above, if the calculated number of sold shares is smaller than the number of shares in a tradeable unit, the CPU 80a executes a process of selling with the number of shares in a tradeable unit. Then, when the sale process is completed, the transaction program P11 defines that the MPU 80a performs the process of sending the sale completion notification to the user terminal that has sent the sale order using the communication module 80b.

  Furthermore, when all selling orders are received from the user terminal that has entered the login state, a user account table corresponding to the logged-in user is identified from the account DB 83 shown in FIG. The trading program P11 defines that the MPU 80a performs processing for specifying the total number of shares (number of transactions) held by the user based on the information stored in the brand column indicated by the brand information included in the received all-sell order. (For example, from the user account table 900 shown in FIG. 19, the total number of shares is specified from the column of the possession state of the brand to be traded). Then, the trading program P11 prescribes that the MPU 80a executes the process of selling the number of tradeable units based on the total number of shares specified. After this, it is the same as in the case of the sell instruction in which the amount is set as described above, and the sale completion notification is transmitted to the user terminal that has transmitted the sell order.

  Furthermore, when a profit selling order is received from a logged-in user terminal, when the profit selling order is received as the stock price indicated by the brand information included in the profit selling order. The transaction program P11 defines that the MPU 80a performs the process of specifying the latest value (unit price of the financial product) from the brand DB 81 in FIG. Also, the user account table corresponding to the logged-in user is specified from the account DB 83 shown in FIG. 18, and the brand information indicated by the brand information included in the received profit selling order from the identified user account table. Extract historical information related to sales transactions stored in the column, calculate the contract amount in each sales transaction based on the extracted historical information and the specified most recent unit price (stock price) The transaction program P11 defines what the MPU 80a does.

  The subsequent processing is the same as in the case of a sell order with the above-mentioned amount set, and the number of shares sold (number of transactions) is calculated by dividing the calculated amount of profit by the last stock price specified. Then, the MPU 80a will execute the sale processing of the number of shares in the tradeable unit based on the calculated number of sold shares as a relative transaction, and a sale completion notice will be sent to the user terminal upon completion of the transaction for the profit selling order. Will do.

  In order to explain the specific contents of the profit calculation process described above, first, calculation of profits in a normal stock unit (stock number designation) sales transaction will be described. The profit in stocks is the difference between the contract price at the time of sale (stock price at the time of sale x the number of shares sold) and the price of contract at the time of purchase of the issue (average purchase price x number of shares sold).

  As a specific example, 100 shares with a stock price of 200 yen were purchased in October (the contract price is 20000 yen, the average purchase price at this time is 200 yen), and then 100 shares of the same brand are purchased in November. However, if the stock price as of November has risen to 250 yen, the contract price required for purchase will be 25000 yen (250 yen x 100 shares), and the average purchase price at the time of purchase in November will be 225 Yen. And in December, when selling only 100 shares from the stocks purchased in October and November mentioned above, if the stock price at the time of sale in December has risen further to 270 yen, The contract price is 27,000 yen (270 yen x 100 shares). Therefore, the calculation of profits is 4500 yen (27,000 yen-22500 yen), which is the difference between the contract price of 27,000 yen for sale and 22500 yen, which is the average purchase price of 225 yen at the time of the most recent purchase multiplied by 100 shares. ) Is profitable. In actual transactions, expenses such as brokerage fees will also be incurred, but here we exclude costs such as fees for simplicity of explanation.

  In this way, stock trading is generally performed by specifying the number of shares, but there is also a view that general investors etc. recognize that the contents of transactions are easier to recognize if the amount is trading units rather than the number of shares. . Therefore, the investor specifies the amount in the stock transaction, the number of shares corresponding to the specified amount is back calculated by the securities company and presented to the investor, and the investor approves the presented number of shares and places an order. The transaction service by the specified amount is performed. For example, when an investor wants to purchase 50,000 yen worth of stock of a certain brand, the securities company side divides 50,000 yen by the stock price at that time, and calculates the number of shares that can be purchased.

  The selling order for profit by operating the profit selling button 49c in FIG. 7 is an application of the transaction service by the above-mentioned amount designation, and when the selling order for profit is issued from the investor. Then, the amount of profit at that time is calculated, and the calculated profit is handled as the amount designated for the transaction service by the amount designation. The profit is calculated by multiplying the stock price at the time of calculation by the total number of shares held by the investor (the amount that should be obtained by selling all the shares. Equivalent to the contract price of the sale). This is obtained by subtracting the amount of capital required for the purchase (the investment principal required for the purchase, which corresponds to the contract price of the purchase).

  Therefore, when the trading program P11 receives the selling order for profit, the MPU 80a calculates the above-mentioned profit based on the buying / selling information related to the specified brand for the order in the user account table of the user who placed the order. Stipulate that

  It should be noted that the profit recognized by investors differs from the profit on taxation. As described above, it is conceivable that the investor recognizes the profit obtained by subtracting the purchase price from the sale price from the sale. For example, in the specific example described above, 100 shares with a stock price of 200 yen were purchased in October, 100 shares of the same brand were purchased in November (the stock price at the time of purchase in November was 250 yen), and December If the stock price becomes 270 yen, the sale price (54,000 yen = 270 yen x 200 shares) will be deducted from the sale price (45,000 yen = 200 yen x 100 shares + 250 yen x 100 shares). Investors recognize that the yen is profit.

  However, the amount obtained by subtracting the purchase contract price from the above-mentioned sale contract price (9000 yen in the above example) is an act of selling a certain number of shares with profits. It does not fall under the profit. For tax purposes, the number of shares generated by back calculation is subject to sale. In the above example, 9000 yen is divided by the stock price as of December (270 yen) (33.33 shares. ) Is considered for tax purposes, so only the increase in the number of shares (33.33 shares) (the difference between the price of the shares sold and the amount required for the purchase) is the tax profit. Become. In the above example, the stock price at the time of sale in December (270 yen) x the number of shares sold (33.33 shares), the average purchase price in October and November (225 yen) x the number of shares sold (33.33 shares) After deducting 1,500 yen will be tax profit.

  In addition, it is conceivable to sell the above-mentioned profit by specifying the normal number of shares, but since the calculation process of the profit will include the calculation details of the sale of profit by the above-mentioned amount designation, The sale of profits will depend on the difference between the calculation based on the amount or the number of shares. For this reason, the sale of the profit designated by the amount is a concept including the sale of the profit designated by the number of shares.

  Next, the contents defined by the transaction program P11 will be described with respect to processing for displaying the portfolio screen 21 shown in FIG. 10 and the like on the user terminal (for example, the smartphone 10). When the portfolio information request is received from the user terminal of the logged-in user, the user ID table corresponding to the logged-in user is specified from the account DB 83 shown in FIG. The most recent storage information in the holding status column in the specified user account table (the number of the most recent stock stored in the holding status column of each stock and the cash of the latest account stored in the account holding status column) It is specified that the MPU 80a performs the process of extracting the amount.

  For each brand of the extracted storage information, the latest value of the stock price at the time of receiving the portfolio information request is specified from the brand DB 81 of FIG. 16, and the stock price of each specified brand and each of the stock information included in the extracted storage information The trading program P11 prescribes that the MPU 80a performs a process of calculating the stock evaluation amount for each brand by multiplying the number of brands of the brand. Then, the most recent total asset amount of the logged-in user is calculated from the calculated stock valuation amount for each issue and the most recent cash amount in the account included in the extracted stored information. Generates information including the amount, stock appraisal value calculated for each issue, and the most recent cash amount included in the extracted stored information as portfolio information, and sends the generated portfolio information to the user terminal requesting portfolio information The transaction program P11 defines that the MPU 30a performs the processing to be performed.

  In the portfolio information as described above, the stock valuation amount for each stock corresponds to the stock holding information related to the stock held by the user, and the most recent cash amount is the amount in the user's account. It corresponds to the account cash information showing.

  In addition, as an example of the contents of the portfolio information generated by the above-described processing, the portfolio information used for the display of the portfolio screen 21 shown in FIG. 10 is “total asset amount 1 million yen, A company stock 250,000 yen, B company stock The contents are 200,000 yen, C company stock 150,000 yen, D company stock 100,000 yen, E company stock 50,000 yen, cash 250,000 yen. In addition to representing the evaluation value of each brand and the cash of the account on a monetary basis in this way, portfolio information indicated as a percentage (percentage) may be generated and transmitted to the user terminal. Portfolio information indicated as a percentage For example, in the case shown in FIG. 10, the total asset amount is 1 million yen, A company stock 25%, B company stock 20%, C company stock 15%, D company stock 10%, E company stock 5%, In this case, the evaluation value of each company's stock is calculated on the user terminal side based on the ratio of each company's brand to the total asset amount, and various processes are performed.

  Therefore, the portfolio screen 21 shown in FIG. 10 is generated by the user terminal based on the portfolio information generated as described above, and the portfolio information from which the portfolio screen 21 of FIG. Amount: 1 million yen ”,“ A company stock appraisal value: 250,000 yen ”,“ B company stock appraisal value: 200,000 yen ”,“ C company stock appraisal value: 150,000 yen ”,“ D company stock appraisal value: “100,000 yen”, “E company stock valuation amount: 50,000 yen”, and “account amount (cash): 250,000 yen” are included.

  Note that, for a trading order using the portfolio screen 21, a trading order designated by an amount is transmitted from the user terminal to the system server 80, and thus the purchase button 48 a in FIG. 6 described above is selected. In this case, the system server 80 performs the same processing as when the designated amount selling button 49a in FIG. 7 is selected.

  Next, the portfolio screen 21 shown in FIGS. 10 to 13 is displayed on the user terminal by various processes performed by the user terminal (for example, the smartphone 10) and the securities company system 2 (system server 80) described above, and the portfolio. The processing content (contents of the financial product transaction method) executed by the financial product transaction system 1 regarding the sales order on the screen 21 will be described based on the first to fifth flowcharts of FIGS.

  The first flowchart of FIG. 20 shows a processing procedure when a user logs in to the securities company system 2 (system server 80) that provides an online stock trading service using a user terminal. First, the user terminal (CPU 10a) determines whether or not a selection operation for the stock transaction icon 12 has been accepted from among a plurality of icons arranged on the home screen 11 shown in FIG. 3 (S1). When the selection operation is not accepted (S1: NO), the stock transaction icon 12 is waiting to be selected. On the other hand, when the selection operation is accepted (S1: YES), the user terminal displays the login screen 15 shown in FIG. (S2).

  On the login screen 15, the user terminal determines whether or not there is a login operation such as an email address input operation, a password input operation, and a login button 15c selection operation (S3). When there is no login operation (S3: NO), the login operation is waited. When there is a login operation (S3: YES), login information (input email address and password, and user terminal are identified). The user terminal transmits information including the UID to the securities company system 2 (S4).

  The system server 80 (MPU 80a) of the securities company system 2 is in a stage of determining whether or not login information has been received (S10), and when login information is not received (S10: NO), Become. If login information is received (S10: YES), whether or not there is a match between the information stored in the user DB 82 shown in FIG. 17, such as the email address and password included in the received login information. The system server 80 determines (S11). When the matching information is not stored (S11: NO), the system server 80 transmits a mismatch notification to the access source user terminal (S13), and then returns to the first login information reception determination step (S10). If matching information is stored (S11: YES), the system server 80 transmits a matching notification to the access source user terminal (S12).

  After transmitting the login information in step S4, the user terminal determines whether a match notification or a mismatch notification has been received (S5). If a mismatch notification is received (S5: mismatch), the process proceeds to step S2. The login screen 15 is returned to provide the user with an opportunity to log in again. If a match notification is received (S5: match), the user terminal displays the top page screen 18 of the stock transaction application P2 shown in FIG. 5 (S6). By this top page screen 18, the trading function of the stock trading application P2 is activated. In the present embodiment, once in the login state, it is possible to set the login state to continue even if the screen based on the stock trading application P2 is switched to another application screen until the logoff operation is performed. If this setting is made, stock trading transactions and the like can be performed without repeating the processing shown in the first flowchart of FIG. 20 while the login state is maintained.

  The second flowchart of FIG. 21 shows the processing content for displaying the portfolio screen 21 shown in FIG. 10 on the user terminal, and the menu arranged at the bottom of each screen displayed on the user terminal for which login has been completed. It is determined whether or not there is a user operation for selecting a portfolio button in the bar 20 (for example, the first menu button 20a included in the menu bar 20 of the top page screen 18 in FIG. 5) (S20). The determination in S20 has been described with reference to the example of the portfolio button in the menu bar 20, but the portfolio buttons 27c and 28c (in the purchase / sale completion screens 27 and 28 displayed when the above-described sales transaction is completed). The same is done for FIGS. 9 (a) and 9 (b).

  If there is no selection for the portfolio button (S20: NO), the button is waiting for selection, and if there is a selection of the button (S20: YES), the user terminal sends a portfolio information request to the securities company system 2 (system server 80). (S21).

  In the case of the second flowchart, the system server 80 (MPU 80a) of the securities company system 2 is in a stage of determining whether or not it has received a portfolio information request from a user who has completed login after completing the login process of the user. If it is determined that the portfolio information request is not received (S25: NO), it is in a state of waiting for the portfolio information request to be received. When a portfolio information request is received (S25: YES), the user account table corresponding to the logged-in user ID is specified from the account DB 83 in FIG. The storage information is extracted and portfolio information (including total asset value, valuation value of each issue (brand holding information), and cash in the account, etc.) is generated based on the stock price at the time of receiving the portfolio reception request ( S26) The generated portfolio information is transmitted to the user terminal (S27).

  Upon receiving the portfolio information, the user terminal generates a portfolio screen 21 shown in FIG. 10 using the received portfolio information (S22), and displays the generated portfolio screen 21 on the display 10f (S23).

  The third flowchart of FIG. 22 shows the processing contents of a trading order for trading by dragging the stock boundary line of each stock functioning as a holding amount indicator. As an example, the A company stock boundary line 31a is set as the operation target. The processing contents will be described. First, the user terminal determines whether or not the A company stock boundary line 31a is selected by a user operation on the portfolio screen 21 shown in FIG. 10 (S30).

  When the A company stock boundary line 31a is not selected by the user (S30: NO), the user terminal waits for selection. On the other hand, when the A company stock boundary line 31a is selected by the user (S30: YES), the user terminal As shown in FIG. 11, the line width of the A company stock boundary line 31a is increased, and the movement mark 40 is displayed (S31). Next, the user terminal determines whether or not a movement operation (drag operation) of the A company stock boundary line 31a has been performed (S32). When the moving operation is not performed (S32: NO), the moving operation is waited. When there is a moving operation (S32: YES), the moving operation is the movement of the A company stock boundary line 31a. From the direction, the user terminal determines whether the operation instruction is a sale order or a purchase order (S33).

  When it is determined that the operation is a sale order operation (S33: sale), the user terminal detects the amount of movement of the A company stock boundary line 31a, and performs a sale transaction amount (transaction amount) by calculation processing using the detection result. (S34), and the portfolio screen 21 (see FIG. 13) in the sale operation state including the specified sale transaction amount in the transaction amount display field 23a is displayed (S35). In the portfolio screen 21 displayed in this way, the cash boundary line 36a of the cash graphic part 36 is also linked to the movement operation of the A company stock boundary line 31a by the specified transaction amount. The figure is moved in the counterclockwise direction so that the figure range is enlarged. In this sale operation state, the user terminal determines whether or not a selection operation by the user of the sale button 23c has been accepted (S36). When there is an operation for selecting the sale button 23c (S36: YES), the user terminal displays the sale confirmation screen 26 shown in FIG. 8B (S38).

  When there is no selection operation of the sale button 23c (S36: NO), the user terminal next determines whether or not the selection operation by the user of the cancel button 23d is accepted (S37). When the selection operation by the user of the cancel button 23d is received (S37: YES), the user terminal returns to the stage of S23 in the second flowchart of FIG. 21 and is in a state before the operation of the A company stock boundary line 31a. Is displayed (S23). If the cancel button 23d is not selected (S37: NO), the process returns to the determination step (S36) of whether or not the sell button 23c is selected.

  On the other hand, when the user terminal determines that the movement operation of the A company stock boundary line 31a is a purchase order operation instruction (S33: purchase), the movement amount of the A company stock boundary line 31a is detected and The purchase transaction amount (transaction amount) is specified by calculation processing using the detection result (S39), and the purchase operation state portfolio screen 21 including the specified purchase transaction amount in the transaction amount display field 23a (see FIG. 12). ) Is displayed (S40). In addition, in the portfolio screen 21 displayed in the purchase operation state, the cash boundary line 36a of the cash figure portion 36 is also linked to the movement operation of the A company stock boundary line 31a as in the case of the display of the sale operation state described above. Thus, the cash figure portion 36 is moved in the clockwise direction so that the figure range is reduced by the specified transaction amount. In this purchase operation state, the user terminal determines whether or not a selection operation by the user of the purchase button 23b has been accepted (S41). When there is an operation for selecting the purchase button 23b (S41: YES), the user terminal displays a purchase confirmation screen 25 shown in FIG. 8A (S42).

  When there is no selection operation of the purchase button 23b (S41: NO), the user terminal next determines whether or not the selection operation by the user of the cancel button 23d is accepted (S43). When the selection operation by the user of the cancel button 23d is accepted (S43: YES), the user terminal returns to the stage of S23 in the second flowchart of FIG. 21 and is in a state before the operation of the A company stock boundary line 31a. Is displayed (S23). If the cancel button 23d is not selected (S43: NO), the process returns to the determination step (S41) of whether or not the purchase button 23b is selected.

  The fourth flowchart in FIG. 23 shows the processing content related to the stock brand selling process based on the sale confirmation screen 26 (see FIG. 8B) displayed in the step S38 of the third flowchart in FIG. In this sale confirmation screen 26, the user terminal determines whether or not the user has selected an OK button 26a (S50). If the selection operation of the OK button 26a has not been received (S50: NO), the user terminal then determines whether or not the selection operation by the user of the return button 26b has been received (S51), and the selection operation of the return button 26b is performed. If accepted (S51: YES), the process returns to the stage of S23 in the second flowchart of FIG. 21 to display the portfolio screen 21 shown in FIG. 10 which is the state before the operation of the A company stock boundary line 31a (S23). ). If there is no selection operation of the return button 26b (S51: NO), the process returns to the determination step (S50) of the presence / absence of the selection operation of the OK button 26a.

  When the selection operation of the OK button 26a is accepted (S50: YES), the user terminal displays a sale order (brand name) according to the contents (for example, “Sale 50,000 yen of A company stock”) described in the confirmation text part 26c. Information to be identified (brand ID) and order including the sale price are transmitted to the securities company system 2 (system server 80) (S52).

  In the case of the fourth flowchart, the system server 80 (MPU 80a) of the securities company system 2 determines whether or not a sale order has been received from the logged-in user terminal (S60) and does not receive a sale order (S60). S60: NO), the process proceeds to the processing step (S80) of the fifth flowchart relating to the purchase process of FIG. 24, and when the sale order is received (S60: YES), the stock price of the brand included in the sale order (most recently received 16) is determined from the stock DB 81 of FIG. 16, and the number of shares that can be sold is calculated based on the sale price included in the sale order, and the sale processing of the tradeable number of shares related to the calculated number of shares is executed as a relative transaction. (S61). The MPU 80a also stores the processing contents in the user account table in the logged-in user's account DB 83 as the sale process is executed. Then, the system server 80 (MPU 80a) transmits a sale completion notification to the user terminal that has sent the sale order (S62).

  The user terminal determines whether or not a sale completion notice has been received from the securities company system 2 after sending the sale order in the stage of S52 (S53), and has not received a sale completion notice (S53: NO), waiting for reception, and when a sale completion notification is received (S53: YES), the sale completion screen 28 shown in FIG. 9B is displayed (S54). From this sale completion screen 28, the user confirms that the sale order issued by the user has been completed. Then, the user terminal determines whether or not the selection operation of the confirmation button 28b on the sale completion screen 28 has been accepted (S55). If the selection operation has not been accepted (S55: NO), then the portfolio button 28c It is determined whether or not a selection operation has been accepted (S56).

  When there is an operation for selecting the portfolio button 28c (S56: YES), the process returns to the stage of transmitting the portfolio information request in S21 of the second flowchart of FIG. 21, and in this case, each process shown in the second flowchart is performed. The user terminal displays the portfolio screen that is executed again and the sale processing is completed. If there is no selection operation of the portfolio button 28c (S56: NO), the process returns to the step of determining whether or not the selection operation of the confirmation button 28b is performed (S55). When the selection operation of the confirmation button 28b is accepted (S55: YES), the process returns to the stage of displaying the top page screen 18 (see FIG. 5) of S6 of the first flowchart of FIG.

  The fifth flowchart of FIG. 24 shows the processing contents related to the stock brand purchase processing based on the purchase confirmation screen 25 (see FIG. 8A) displayed at the stage of S42 of the third flowchart of FIG. Yes. In the purchase confirmation screen 25, the user terminal determines whether or not there is a selection operation by the user of the OK button 25a (S70). When the selection operation of the OK button 25a has not been received (S70: NO), the user terminal then determines whether or not the selection operation by the user of the return button 25b has been received (S71), and the selection operation of the return button 25b is performed. If accepted (S71: YES), the process returns to the stage of S23 in the second flowchart of FIG. 21 to display the portfolio screen 21 shown in FIG. 10, which is the state before the operation of the A company stock boundary line 31a (S23). ). If there is no selection operation of the return button 25b (S71: NO), the process returns to the determination step (S70) of the presence / absence of the selection operation of the OK button 25a.

  When the selection operation of the OK button 25a is accepted (S70: YES), the user terminal purchase order (for example, “A company share 50,000 yen purchase”) described in the confirmation text portion 25c ( Information for identifying the brand (brand ID) and the order including the purchase price) are transmitted to the securities company system 2 (system server 80) (S72).

  The system server 80 (MPU 80a) of the securities company system 2 determines whether or not a purchase order has been received from a logged-in user terminal (S80) and does not receive a purchase order (S80: NO). Returning to the processing step (S60) of the fourth flowchart relating to the sale process in FIG. 23, when a purchase order is received (S80: YES), the stock price of the brand included in the purchase order (the latest stock price at the time of reception) 16 is determined from the stock DB 81 of FIG. 16, and the number of shares that can be purchased is calculated based on the purchase price included in the purchase order, and the purchase processing in the unit of tradeable shares related to the calculated number of shares is performed in a relative transaction. Execute (S81). The MPU 80a also stores the processing contents in the user account table in the logged-in user's account DB 83 as the purchase process is executed. Then, the system server 80 (MPU 80a) transmits a purchase completion notification to the user terminal that has transmitted the purchase order (S82). The processing on the system server 80 side is repeated until the logged-in user transmits a logoff operation to the securities company system 2 (system server 80) (not shown in each flowchart).

  The user terminal determines whether or not a purchase completion notification has been received from the securities company system 2 after transmission of the purchase order in step S72 (S73), and has not received the purchase completion notification. (S73: NO), the reception is awaited, and when a purchase completion notification is received (S73: YES), a purchase completion screen 27 shown in FIG. 9A is displayed (S74). With this purchase completion screen 27, the user confirms that the purchase order he has placed has been completed. Then, the user terminal determines whether or not the selection operation of the confirmation button 27b on the purchase completion screen 27 has been accepted (S75). If the selection operation has not been accepted (S75: NO), then the portfolio button 27c It is determined whether or not a selection operation has been accepted (S76).

  When there is an operation for selecting the portfolio button 27c (S76: YES), the process returns to the stage of transmitting the portfolio information request in S21 of the second flowchart of FIG. 21, and in this case, each process shown in the second flowchart is performed. The user terminal displays the portfolio screen that is executed again and the sale processing is completed. When there is no selection operation of the portfolio button 27c (S76: NO), the process returns to the step of determining whether or not the selection operation of the confirmation button 27b is performed (S75). When the selection operation of the confirmation button 27b is accepted (S75: YES), the process returns to the stage of displaying the top page screen 18 (see FIG. 5) of S6 in the first flowchart of FIG. The processing on the user terminal side is also repeated until the logged-in user performs a logoff operation (not shown in each flowchart).

  As described above, the invention according to the first embodiment first displays the portfolio screen 21 shown in FIG. 10, so that the user can summarize the portfolio related to the stocks of his / her own stock by the portfolio graph 30 in the portfolio screen 21. In addition to being able to grasp intuitively and quickly, it is also possible to confirm monetary details in the portfolio detail information 22 in the lower part 21b of the screen, and the portfolio screen 21 can be utilized as a judgment material when performing a trading transaction.

  In addition, as shown in FIGS. 12 and 13, the portfolio screen 21 can issue an operation instruction related to a trading order. Therefore, the target brand to be traded is determined while viewing the portfolio screen 21, and the trading screen is directly related to the trading order. It is possible to provide a user interface corresponding to a series of flows that can be operated, and to contribute to a user being able to smoothly perform a series of flows from brand judgment to buying and selling orders.

  Further, the operation related to the buying and selling order on the portfolio screen 21 is an analog that moves the stock boundary line (for example, Company A stock boundary line 31a) in the clockwise direction or the counterclockwise direction by the amount corresponding to the transaction amount. Thus, the user can easily and quickly input a trade order for a desired brand, because a troublesome input operation for the transaction amount is unnecessary. Moreover, since the portfolio change can be confirmed by the portfolio graph 30 even in such an operation, it is possible to determine the transaction amount (transaction amount) by grasping the change of the portfolio.

  Furthermore, since the transaction amount is determined by rounding off according to the amount of movement in a predetermined unit (in the above embodiment, 10,000 yen unit), the amount of movement of the stock boundary line of the brand is not so severe. The user is not required to perform any operation, and the user only has to move the stock boundary line of the brand so as to obtain the desired amount while looking at the amount presented in the transaction amount display field 23a. Thus, the user can easily perform the transaction operation without missing the favorable timing of the stock price for the sales transaction.

  In addition, 1st Embodiment of this invention is not limited to the content mentioned above, Various modifications can be considered. For example, in addition to the transition from the top page screen 18 (icon screen) on which a plurality of icons 18a to 18f shown in FIG. 5 are arranged to the specific brand transaction screen 45 shown in FIGS. It is also possible to make the display transition from the brand list screen to the specific brand transaction screen 45 by selecting one brand from the list screen showing.

  In the above description, when the purchase / sale buttons 23b and 23c are selected on the portfolio screen 21 of FIGS. 12 and 13, the display contents of the display 10f are changed to the purchase / sale of FIGS. 8 (a) and 8 (b). Although switched to the confirmation screens 25 and 26, as shown in FIG. 25, a purchase confirmation window 29 having the same contents as the purchase confirmation screen 25 (sometimes referred to as a dialog instead of a window) You may display so that it may overlap with the portfolio screen 21. FIG. Thus, when the contents of the trade order are displayed on the portfolio screen 21 in an overlapping manner, it is preferable in that the portfolio screen 21 can be confirmed at a place where the purchase confirmation window 29 is not overlapped. 25 shows the case of the purchase confirmation window 29, but in the case of the sale confirmation window having the same contents as the sale confirmation screen 26, the portfolio confirmation screen 29 overlaps with the portfolio screen 21 in the same manner as the purchase confirmation window 29 of FIG. Will be displayed.

  FIGS. 26 (a) and 26 (b) show a modification of the stock boundary line of the portfolio graph. In FIG. 11 and the like described above, the stock boundary line at the other end on the clockwise direction side (for example, the other end 31d on the clockwise direction side). Company A's stock boundary line 31a) is a movable amount indicator that can be moved, but as shown in the portfolio graph 31 'of the modified example of FIG. 26 (a), one end side of one end 31c' on the counterclockwise direction side It is also possible to make the boundary line 31e 'a holding amount indicator that can be moved. In this case, when one end side boundary line 31e 'is selected, a movement mark 40' indicating the movement direction is displayed at one end 31c 'as in the case shown in FIG. 11, and this movement mark 40' is referred to. Thus, the user can move the one end side boundary line 31e '.

  The portfolio graph 30 ″ in FIG. 26B is a modification in which both the one end side boundary line 31e ″ on the one end 31c ″ side and the other end side boundary line 31a ″ on the other end 31d ″ side can be moved and operated. 26B, only one of the one end side boundary line 31e ″ and the other end side boundary line 31a ″ can be selected and dragged in the same manner as described above. In addition to this, both the one end side boundary line 31e ″ and the other end side boundary line 31a ″ can be selected to move both at the same time. There are two ways to move both at the same time. The two fingertips are moved (pitch-in operation) so that both the boundary lines 31a ″ and 31e ″ come close to each other from the state where both the boundary lines 31a ″ and 31e ″ are touched with the fingertips of Both boundaries 31a ", 31e" from a state of contact with both the boundary line 31a ", 31e" moves away so operated to move the two fingers (pitch-out operation) is also possible.

  Since the pitch-in operation is an operation for reducing the internal area 31b ″ of the A company stock graphic part 31 ″, it corresponds to a stock brand selling operation, and the pitch-out operation is performed inside the A company stock graphic part 31 ″. Since this is an operation of expanding the area 31b ″, it corresponds to a stock brand purchase operation. In this way, in the portfolio graph 30 ″ of the modified example shown in FIG. 26 (b), it is possible to realize various ways of operating the boundary lines 31a ″ and 31e ″, and therefore it is possible to perform trading operations in accordance with the user's convenience. In a state where both the boundary lines 31a "and 31e" are selected, as shown in FIG. 26B, two movement marks 40 "and 41" are displayed on the respective boundary lines 31a "and 31e. Will tell the user that ″ is movable.

  FIGS. 27A to 27C show a portfolio graph 130 of another modified example. In this modified example, instead of using the boundary line as an indicator, the circle of the graphic part for each brand in the pie graph is shown. A feature is that the holding portion indicator that can be moved is used for the circumferential portion (arc portion). That is, as shown in FIG. 27A, when the circumferential portion 131f of the A company stock figure portion 131 is selected, the movement mark 140 is displayed on the circumferential portion 131f. The movement mark 140 indicates that the circumferential portion 131f can move outward or inward along the normal direction (radial direction) of the pie chart.

  FIG. 27B shows a situation in which the circumferential portion 131f is moved outward along the normal direction by a drag operation, and the circumferential portion 131f is moved outward along such a normal direction. Since the operation to move is an operation of enlarging the internal area 131b of the A company stock graphic section 131, it corresponds to a stock brand purchase operation. FIG. 27C shows a situation in which the circumferential portion 131f is moved inward along the normal direction (in the direction toward the center of the pie chart) by a drag operation. Since the operation of moving the circumferential portion 131f inward along the direction is an operation of reducing the internal area 131b of the A company stock graphic unit 131, it corresponds to a stock brand selling operation.

  FIGS. 28 (a) and 28 (b) show a portfolio graph 230 of still another modified example. In this portfolio graph 230, stock boundary lines of a plurality of stock graphic parts can be selected and each of the selected states can be selected. It is characterized in that each stock boundary line can be moved independently by a user operation. FIG. 28 (a) shows that the A company stock boundary line 231a of the A company stock graphic part 231 is selected and the C company stock boundary line 233a of the C company graphic part 233 is selected. The A company stock movement indicator 240 is displayed for each boundary line 231a of the A company stock in the state, the C company stock movement indicator 241 is displayed for each boundary line 233a of the C company stock in the selected state, Each boundary line 231a of A company stock and each boundary line 233a of C company stock tells the user that they can be moved independently.

  FIG. 28 (b) shows that the A company stock boundary line 231 a is moved in the clockwise direction to operate a purchase order for 50,000 yen for the A company stock, and the C company stock boundary line 233 a is counterclockwise. The figure shows a case where the sales order for 30,000 yen is operated for the stock of Company C by moving in the rotation direction. In addition, the portfolio graph 230 shows a cash boundary line 236a of the cash figure portion 236 of 20,000 in conjunction with each operation of a purchase order of 50,000 yen for the stock of Company A and a sales order for 30,000 yen of the stock of Company C. The movement is performed under the control of the CPU 10a so as to indicate that the circle is reduced. Even if the trading operation is performed for a plurality of brands in this way, the portfolio graph 30 can display the state of the operation, so before the final transaction, the user can change the contents of the portfolio that is most suitable for himself / herself. This variation has the advantage that it can be simulated.

  In the lower part 221b of the portfolio screen 221 shown in FIG. 28 (b), a trading order menu 223 of a modified example is presented. The sales order menu 223 includes a transaction amount display field 223a, a transaction button 223b, and a transaction cancel button 223c. The transaction amount display field 23a is characterized in that a plurality of transaction contents corresponding to a plurality of boundary line operations can be displayed. Specifically, the CPU 10a detects the moving direction and moving amount with respect to the user operations on the boundary lines 231a and 233a described above, determines the sale / purchase for each user operation, and the transaction amount (transaction amount). The identification result is shown in the transaction amount display field 23a, and in the case shown in FIG. 28 (b), "A company share 50,000 yen purchase" accompanying the user operation of each of the boundary lines 231a and 233a described above. And “Sale of 30,000 yen in Company C”.

  The transaction button 223b is a button that can be selected by the user, and is selected when the user wishes to perform a transaction with the transaction content indicated in the transaction amount display field 23a. The transaction cancel button 223c is a button that is selected when the user wishes to cancel the user operation once in the state shown in the transaction amount display field 23a.

  FIG. 29 shows a transaction confirmation screen 125 displayed on the display 10f when the selection operation of the transaction button 223b is performed on the portfolio screen 221 of FIG. 28 (b) described above. The transaction confirmation screen 125 corresponds to the purchase / sale confirmation screens 25 and 26 in FIGS. 8A and 8B described above, and includes a confirmation text portion 125c, an OK button 125a that can be selected, and a return. A button 125b is included. The confirmation text part 125c includes text representing the contents of the trading order operated by the user on the portfolio screen 221 before the display contents are switched. In FIG. 29, “buy 50,000 yen of A company shares” and “ The contents of a plurality of trade orders “sale of 30,000 yen of C company stock” are shown for user confirmation.

  The OK button 125a is equivalent to the OK buttons 25a and 26a in FIGS. 8A and 8B. However, in the case of FIG. 29, the confirmation text portion 125c represents a plurality of trading orders. When 125a is selected by the user, the CPU 10a performs a process of transmitting a plurality of trading orders presented in the confirmation text part 125c to the securities company system 2. The specific transmission contents in this case are a stock ID of company A and a purchase order of 50,000 yen, a stock ID of company C and a sales order of 30,000 yen, and the securities company system 2 (system server 80) When such a trading order is received, a purchase process of 50,000 yen for the shares of Company A and a sale process of 30,000 yen for the shares of Company C are simultaneously performed. Note that the return button 125b in FIG. 29 has the same meaning as the return buttons 25b and 26b in FIGS.

  As described above, in the modification using the portfolio graph 230 shown in FIGS. 28A and 28B, there is an advantage that a plurality of sales transactions can be performed simultaneously while confirming a change state associated with a user's portfolio transaction. . In the above description, the case where two issues are traded simultaneously has been explained, but it is of course possible to trade more than two issues simultaneously, and the contents of the transaction can also be purchased and sold. It is also possible to simultaneously operate a purchase order for a plurality of brands and to simultaneously operate a sale order for a plurality of brands.

  FIG. 30 shows an interlocking setting menu screen 126 for still another modified example. In each example described above, trading of each stock was performed in conjunction with cash in the account, but this modified example is that it can be linked with trading in other stocks other than cash in the account. It has become a feature of. That is, in each of the above-mentioned examples, for example, if 50,000 yen of A company stock is sold, the sold 50,000 yen is put into the account, so the amount of cash in the account increases by 50,000 yen, If 50,000 yen is purchased, the 50,000 yen necessary for the purchase is covered by 50,000 yen in the account, so the cash in the account is reduced by 50,000 yen. However, in this modified example, for example, if the trading transaction of the stock of Company A is linked with the stock of Company C, if the stock of Company A is sold 50,000 yen, It will be used for the purchase of 50,000 yen, and as a result, the valuation of the shares of Company C will increase by 50,000 yen, and if 50,000 yen is purchased for Company A shares, it will be 50,000 yen necessary for the purchase. Will be sold for 50,000 yen at the same time as the valuation of the shares of Company C, so that the shares of Company C will be sold 50,000 yen at the same time. In this way, it is the interlocking setting menu screen 126 of FIG. 30 that selects the object to be interlocked with the trading transaction of the company A stock.

  The link setting menu screen 126 is a link setting in a menu item screen (not shown) that is displayed when the fourth menu button 20d in the menu bar 20 on the top page screen 20 or the like in FIG. 5 is selected. This item is displayed on the display 10f. The interlocking setting menu screen 126 is used for setting the trading transaction target of the A company stock, but there is also a menu screen for setting the trading transaction target of the B to E company stock in addition to the A company stock.

  The interlock setting menu screen 126 for the A company stock has a B company selection column 126a, a C company selection column 126b, a D company selection column 126c, an E company selection column 126d, and a cash selection column 126e that can be selected as trading transactions. If any one of the selection columns 126a to 126e is selected once, it is set as an interlocking target, and if the selection columns 126a to 126e set as the interlocking targets are selected again, it is released from the interlocking target. It has become.

  In the selection columns 126a to 126e for the brands set as the linkage targets, the check boxes included in the selection columns 126a to 126e are filled (in FIG. 30, the check boxes for the C company brands are filled). Check boxes included in the selection column for unset stocks are shown as unfilled. In addition, the interlocking setting menu screen 16 is in a state where the cash selection field 126e is selected by default, and the selection field that has been selected so far is automatically unselected by setting other selection fields. become.

  When the user selects the OK button 126f on the link setting menu screen 126 in the state where the link target is set, the contents set on the link setting menu screen 126 are stored in the RAM 10c, and after being stored. When the portfolio screen 21 or the like is displayed, a transaction operation is performed based on the stored setting contents. When the return button 126g on the interlocking setting menu screen 126 is selected, the menu item screen displayed on the display 10f before the interlocking setting menu screen 126 is displayed is returned.

  The portfolio graph 330 of the modified example of FIG. 31A shows a situation in which the stock of the company C is linked to the trading transaction of the stock of the company A on the linkage setting menu screen 126 of FIG. When the A company stock boundary line 331a of the stock graphic part 331 is selected by the user, the movement mark 340 is displayed in the same manner as in the above examples, but the company C of the C graphic figure part 333 to be linked is displayed. The line width of the stock boundary line 333a is increased with the selection of the A company stock boundary line 331a to indicate to the user that the stock of the C company stock is to be linked.

  The portfolio screen 321 in FIG. 31 (b) shows a state in which an operation for purchasing 50,000 yen for the A company stock boundary line 331a is performed on the portfolio graph 330 in FIG. The boundary line 331a is moved by 50,000 yen in the clockwise direction), and in conjunction with the movement of the A company stock boundary line 331a, the movement indicating that the C company stock boundary line 333a is sold 50,000 yen is This is automatically performed by the control (C company stock boundary line 333a moves counterclockwise by 50,000 yen).

  The configuration of the screen lower part 321b is the same as that of the portfolio screen 221 shown in FIG. 28B, and the movement of the A company stock boundary line 331a and the C company stock boundary line 333a is displayed in the transaction amount display field 323a. The texts “Buy 50,000 yen for A company stock” and “Sell 50,000 yen for C company stock” are shown. When the transaction OK button 323b is selected in this state, a transaction confirmation screen having the same configuration as the transaction confirmation screen 125 shown in FIG. 29 is displayed, and a final transaction order can be transmitted to the securities company system 2. Further, the transaction cancel button 323c in FIG. 31 (b) has the same meaning as the cancel button 223c in FIG. 28 (b).

  In this way, in the modified examples shown in FIGS. 30 and 31, since one brand's transaction can be linked with another brand's transaction, one brand's purchase / sale transaction and another brand's sale / buy. Attached transactions can be performed simultaneously in conjunction with each other, and if the account cash is removed from the object of linkage, there is an advantage that transactions can be performed even if there is no cash in the account. In this modification, when performing a purchase transaction for one brand, it is impossible to conduct a transaction that exceeds the evaluation price of another brand set as the linkage target, and the CPU 10a detects the evaluation price of the linkage target. When a purchase operation is performed for one issue that exceeds the specified valuation amount, the operation exceeding the valuation amount is ignored. In addition, the selection setting of the interlocking target can be assumed by a method other than using the interlocking setting menu 126 of FIG. 30, for example, a plurality of finances related to the plurality of graphic parts 31 to 35 in a state where the portfolio screen 21 of FIG. A graphic range of one graphic part (for example, A company stock graphic part 31) in the product is selected (tap operation is performed on the display area of the area range of A company stock graphic part 31), and the selection is made. While the smartphone accepts, the graphic range of another graphic part (for example, the C company graphic part 33) related to another financial product to be linked next is selected (the display area of the area range of the C company graphic part 33) When the smartphone 10 accepts the selection, another financial product (for example, C company stock) is selected as a target to be linked to one financial product (for example, A company stock). Set It may be so. This method has an advantage that it is not necessary to switch the screen because the selection (setting) of the interlocking target can be performed in the display state of the portfolio screen as compared with the method using the interlocking setting menu 126 of FIG.

  Furthermore, in this modified example, since the transaction without using the cash of the account is also possible, it is also possible to generate and process a portfolio graph excluding the cash graphic part. In addition, it is possible to set multiple brands as targets to be linked to trading of one brand.If multiple other brands are set to be linked in this way, the amount of money associated with trading of one brand Are divided into a plurality of other brands and traded.

  FIG. 32 shows a modified portfolio screen 421 including a portfolio graph 430 using a bar graph different from the pie graph. In each of the examples described above, a pie chart portfolio graph is used, but the modified example of FIG. 32 is characterized in that a bar graph is used to represent the user's portfolio. The portfolio screen 421 of the modified example of FIG. 32 corresponds to the portfolio screen 21 of FIG. 10 described above, and arranges the portfolio graph 430 on the right side 421a of the screen and the portfolio detail information 422 on the left side 421b of the screen. doing.

  Portfolio graph 430, which is a bar graph extending vertically in the figure, is from top to bottom A company stock graphic part 431, B company stock graphic part 432, C company stock graphic part 433, D company stock graphic part 434, E company The stock figure part 435 and the cash figure part 436 are included, and the vertical dimensions of the figure parts 431 to 436 are the evaluation value of each stock in the total assets related to the portfolio (corresponding to the amount of each stock held), Corresponds to the percentage of cash. That is, the total asset of the logged-in user is 1 million yen, and the valuation of the stock of A company is 250,000 yen. The B company stock graphic part 432 of the B company stock with an evaluation value of 200,000 yen secures the vertical dimension of 1/5 of the entire bar graph, and the vertical dimensions of the other company graphic parts 433 to 435 and the cash graphic part 436 also It has a vertical dimension of its own evaluation amount and ratio with respect to the entire bar graph.

  Moreover, each stock figure part 431-435 makes stock boundary line 431a-435a arrange | positioned by the user operation by the edge part 431c-435c (corresponding to the graphic location which specifies the valuation amount of each stock) in the vertical direction by user operation. A movable holding amount indicator. In addition, only the cash figure part 436 is using the cash boundary line 436a arrange | positioned at the edge part 436c of the upper side in the orthogonal | vertical direction (it corresponds to the figure location which specifies the amount of the account) as a movable cash indicator (in FIG. 32). In the case shown, the E company stock boundary line 435a of the E company stock graphic part 435 and the cash boundary line 436a of the cash graphic part 436 coincide).

  FIG. 33A shows a state in which the A company stock boundary line 431a of the A company stock figure section 431 is selected by the user. Even in this modification, when the A company stock boundary line 431a is selected, the line width is shown thick, and the movement mark 440 indicating the direction in which the A company stock boundary line 431a can move (upward or downward). Is displayed for the A company stock boundary line 431a to indicate to the user that the A company stock boundary line 431a is in a selected state. In addition, also when B company stock boundary line 432a-E company stock boundary line 435a of other B company stock figure part 432-E company stock figure part 435 was selected, A company stock boundary line 431a mentioned above was selected. It becomes the same form as time.

  The portfolio screen 421 of the modified example of FIG. 33B shows a case where a user operation (drag operation) for moving the company A stock boundary line 431a downward is performed, and the portfolio screen 21 described with reference to FIG. 12 described above. Since the graphic range of the A company stock graphic part 431 is expanded, this corresponds to the purchase order operation for the A company stock. Also in FIG. 33 (b), similarly to the case shown in FIG. 12, the movement amount of the A company stock boundary line 431a corresponds to the purchase amount (transaction amount) (the case shown in FIG. 33 (b)). Then, the purchase amount is 50,000 yen). Further, the cash boundary line 436a of the cash figure portion 436 moves downward by 50,000 yen in conjunction with the movement operation of the A company stock boundary line 431a described above, as in the case shown in FIG.

  Then, the left side 421b of the portfolio screen 421 is displayed in accordance with the movement operation (drag operation) of the A company stock boundary line 431a, as in the case shown in FIG. 12, the transaction amount display field 423a, the purchase button 423b, the sale A trade order menu 423 including a button 423c (inactive state in FIG. 33B) and a cancel button 423d is displayed. Although not shown, when a user operation (drag operation) for moving the A company stock boundary line 431a upward is performed, a sale order operation for the A company stock is performed. In this case as well, FIG. Similar to the relationship shown in FIG. 12 and the sales order operation in FIG. 13, the same applies to the portfolio screen 421 of the modified example.

  In the description of the portfolio screen 421 described above, the case where the A company stock boundary line 431a is dragged has been described. However, the other company B stock boundary line 432a to the E company stock border line 435a are also referred to as the A company stock border line 431a. It is possible to perform a purchase order operation or a sale order operation by performing a drag operation similar to the above. The contents of the various modifications described with respect to the portfolio screen 21 including the portfolio graph 30 of the pie graph (see FIGS. 25 to 31 and the like) can also be applied to the portfolio screen 421 including the portfolio graph 430 of the bar graph. Furthermore, the portfolio graph 430 of the bar graph can be set not only to be arranged in the vertical direction as shown in FIGS. 32 and 33 but also to be extended in the horizontal direction in the drawing.

  In addition, although each company stock figure part mentioned above was explained in the example used in the portfolio graph of a pie chart or a bar graph, each company stock figure part does not necessarily need to be displayed in the form of a portfolio, and the symbol figure to be traded. A unit, a combination of a brand graphic part and a cash graphic part to be traded, or a combination of brand graphic parts to be linked set on the linkage setting menu screen 126 of FIG. 30 may be presented to the user. . In this way, when each graphic part focused on a transaction object instead of a portfolio is shown to the user, there is a merit that it becomes easier to make a transaction determination by focusing on a brand that the user is dealing with.

  FIG. 34 (a) shows an example of a screen used by the A company stock graphic unit alone, and the A company stock graphic unit 146 alone is displayed on a screen equivalent to the specific brand transaction screen 45 shown in FIGS. The A company stock transaction screen 145 of the modification which made it possible to perform sale or purchase order operation of a specific brand is shown. The A company stock graphic part 146 is in the form of taking out the A company stock graphic part from the portfolio graph 430 of the bar graph shown in FIGS. The stock figure portion 146 has a horizontal dimension that corresponds to the amount held by the A company stock (evaluation value). The A company stock trading screen 145 including such an A company stock figure section 146 is generated based on the brand holding information relating to the holding amount of the A company stock transmitted from the securities company system 2.

  In addition, the A company stock transaction screen 145 is displayed below the A company stock graphic part 146 in the same manner as shown in FIGS. 12, 13, and 33 (b), the transaction amount display field 150a, the purchase button 150b (FIG. 34 (a) shows an inactive state), a sale button 150c (inactive state in the state shown in FIG. 34 (a)), and a buy / sell order menu 150 including a cancel button 150d.

  The A company stock graphic part 146 arranged on the A company stock trading screen 145 fixes the boundary line of the left end part 146c in the figure, while the right end part 146d in the figure (specifies the evaluation value of the A company stock) The A company stock boundary line 146a located at the corresponding figure part) is a holding amount indicator that can be moved by a user operation. In addition, to the right of the A company stock figure part 146, the range in which the A company stock boundary line 146a can move to the right is indicated by a broken line, and this broken line corresponds to the amount of cash in the user account. It corresponds to the range dimension.

  FIG. 34 (b) shows a state in which the A company stock boundary line 146a is selected by the user, and in the selected state, the line width becomes thicker and the moving direction (left direction or right direction) is similar to the above-described examples. A movement mark 140 is displayed for the A company stock boundary line 146a. As shown in FIG. 34 (c), when a user operation (drag operation) for moving the A company stock boundary line 146a to the right in the figure is performed, the figure range of the A company stock figure portion 146a is expanded. This means a stock purchase operation. When such a rightward drag operation is performed, the CPU 10a detects the amount of movement of the A company stock boundary line 146a, specifies the purchase amount (purchase amount) according to the detected amount of movement, and specifies that The transaction amount display field 150a shows the amount of the purchase made, and the purchase button 150b is activated to accept the purchase order operation from the user. In this case as well, the limit of the range in which the A company stock boundary line 146a can be moved to the right is limited by the amount of cash in the account, and drag operations exceeding the amount of cash are The A company stock boundary line 146a cannot be moved to the right from the limit that is ignored by the CPU 10a and limited by the amount of cash.

  Also, if a user operation (drag operation) is performed to move the A company stock boundary line 146a in the selected state shown in FIG. 34 (b) to the left in the figure, the figure range of the A company stock figure portion 146a decreases. This means the operation of selling the shares of Company A. When such a leftward drag operation is performed, the CPU 10a detects the movement amount of the A company stock boundary line 146a, specifies the sale amount (sales amount) according to the detected movement amount, and the specified amount Is displayed in the transaction amount display field 150a, and the sale button 150c is made active so that a sale order operation from the user can be accepted. The A company stock boundary line 146a can be moved to a position overlapping the boundary line of the left end 146c, and in this case, it means the sale of all the stocks of the A company held by the logged-in user.

  34 (a) and 34 (b), the A company stock trading screen 145 using the A company stock graphic section 146 has been described as an example, but the B company stock trading screen using another B company stock graphic section, etc. But you can do the same. In this way, in the modification shown in FIGS. 34 (a) and 34 (b), by dragging the A company stock boundary line 146a of the A company stock figure section 146 in either the left or right direction, either sale or purchase is performed. Since it is possible to place a trade order, it is possible to provide a user interface that enables an intuitive operation without requiring an operation for inputting a transaction amount. In FIGS. 34 (a) to 34 (c), only the A company stock figure portion 146 is shown alone, but a broken line corresponding to the amount of cash in the account on the right side of the A company stock figure portion 146 is a solid line. It may be expressed as a combination of the A company stock graphic part 146 and the cash graphic part.

  FIG. 35 shows a portfolio screen 521 of still another modified example. This portfolio screen 521 uses an equalizer-like symbol graphic part instead of the pie chart shown in FIG. 10 or the like or the bar graph shown in FIG. 32 or the like. It has become a feature. That is, the portfolio screen 521 includes an A company stock equalizer section 531 indicating the holding amount of the A company stock, a B company stock equalizer section 532 indicating the holding amount of the B company stock, and a C company stock equalizer section indicating the holding amount of the C company stock. 533, a D company stock equalizer section 534 indicating the holding amount of the D company stock, an E company stock equalizer section 535 indicating the holding amount of the E company stock, and a cash equalizer section 536 indicating the cash amount in the account ( (Each company stock equalizer part 521-535 corresponds to a brand figure part, and the cash equalizer part 536 corresponds to a cash figure part).

  Each company stock equalizer section 531 to 535 includes a holding amount indicator 531a to 535a arranged at a position indicating a holding amount (amount amount corresponding to the evaluation amount) so as to be movable by a user operation. Range portions 531b to 535b on the left side of 535a have dimensions according to the amount held (stock evaluation amount). Each of the possession amount indicators 531a to 535a can be selected by the user, and a moving operation (drag operation) becomes possible when the selected state is entered. Moreover, the cash equalizer part 536 also has the cash indicator 536a located in the location which shows the amount of cash of an account, and this cash indicator 536a is the movement of each holding | maintenance amount indicators 531a-535a similarly to each example mentioned above. It will move automatically in conjunction. The left range portion 536b of the cash indicator 536a has a size corresponding to the amount of the account amount. The portfolio screen 521 of this modification also has portfolio detailed information 532 arranged at the bottom of the screen.

  FIG. 36 (a) shows a case where the holding amount indicator 531a of the company A stock equalizer unit 531 is selected by a user's selection operation, and the holding amount indicator 531a is in a selected state. Similarly, a movement mark 540 indicating the movable direction (left direction or right direction in the drawing) of the retained amount indicator 531a is displayed on the retained amount indicator 531a.

  The portfolio screen 521 of the modified example of FIG. 36B shows a case where a user operation (drag operation) for moving the holding amount indicator 531a of the company A stock equalizer unit 531 in the right direction is performed, which is described above with reference to FIG. This corresponds to the portfolio screens 21 and 421 described with reference to FIG. In this case, the range portion 531b of the A company stock equalizer section 531 is expanded by the movement of the holding amount indicator 531a, which corresponds to the purchase order operation for the A company stock. Also in FIG. 36 (b), similarly to the case shown in FIG. 12 and the like, the movement amount of the holding amount indicator 531a corresponds to the purchase amount (in the case shown in FIG. 36 (b), the purchase amount). Is 50,000 yen). Furthermore, the cash indicator 536a of the cash equalizer unit 536 moves to the left by 50,000 yen in conjunction with the movement operation of the holding amount indicator 531a of the A company stock equalizer unit 531 described above with reference to FIGS. This is the same as the case shown in b).

  Then, the portfolio screen 521 has a transaction amount display field 523a, a purchase button 523b, and a sale button 523c in accordance with the movement operation (drag operation) of the holding amount indicator 531a of the company A stock, similarly to the case shown in FIG. (Inactive state in FIG. 36B) and a trade order menu 523 including a cancel button 523d are displayed at the bottom of the screen. Although not shown, when a user operation (drag operation) for moving the holding amount indicator 531a of the A company stock in the left direction is performed, a sale order operation for the A company stock is performed. The same content as the sale order operation in FIG. 6 also applies to the portfolio screen 521 of the modified example.

  In the description of the portfolio screen 521 described above, the case where the holding amount indicator 531a of the A company stock is dragged has been described. However, the holding amount indicators 532a of the other B company stock equalizer units 532 to the E company stock equalizer unit 535 are described. It is possible to perform a purchase order operation or a sale order operation by performing a drag operation similar to the above on the possession amount indicator 535a. In addition, the content of the various modifications described with respect to the portfolio screen 21 including the portfolio graph 30 of the pie graph described above (see FIGS. 25 to 31, etc.) can also be applied to such an equalizer-format portfolio screen 521. is there. Furthermore, the equalizer units 531 to 536 can be arranged not only in the horizontal direction as shown in FIGS. 35 and 36 but also in the vertical direction.

  In addition, each portfolio screen 21 described above may be provided with columns for providing various information that can be used for transaction determination. Examples of such information columns include an average exchange column, And the current exchange column can be assumed. In such information column, if the stock is an overseas stock (for example, the United States), and information regarding the exchange with the foreign country is displayed in the average exchange column and the current exchange column, the investor (user) Considering the relationship with the monetary unit of the home country, it is preferable because it makes it easier to conduct sales transactions. When foreign stocks are to be traded, the system server 80 or the like appropriately performs exchange processing related to the amount of money in the country specified by the user operation and the trade target country as money. Etc. will be calculated. Such information regarding the exchange target to be displayed is directly acquired by the user terminal (smartphone 10 or the like) from the information collection system 3, or the securities company system 2 acquires the information regarding the exchange and transmits it to the user terminal. It will be.

  In addition to the 10,000 yen unit, the monetary unit used in each of the portfolio screens 21 and the like described above is a thousand yen unit in which at least the first to third digits of the amount are zero (the third digit and below are zero). Unit), the first digit to the second digit is set to one hundred yen unit (the second digit is set to zero), or the first digit is set to ten yen unit. Is also possible.

  Furthermore, financial products that can be handled by the present invention are global stocks, etc. In this case, as the currency type set for buying / selling on the stock transaction screen 45, etc., in addition to the Japanese yen, the US: US dollar Canada: Dollar, Europe: Euro, Brazil: Real, Australia: Dollar, China: Yuan, UK: Pound, Korea: Won, New Zealand: Dollar, Singapore: Dollar, South Africa: Rand, Hong Kong: Dollar, Thailand: Baht, Switzerland : Franc, India: Rupee, Russia: Ruble, Philippines: Peso, Indonesia: Rupiah, etc. can also be used. In that case, for foreign currency (dollar, euro, etc.) whose monetary unit is 100 yen or more of the Japanese yen, at least the first digit of the monetary amount is reduced to 0, thereby reducing the handling burden of the monetary amount. Therefore, it is suitable. In addition, when using foreign currency units in this way, processing related to exchange is performed by the system server 80.

  As described above, the present invention can accept a trade order operation instruction in units of stocks in addition to accepting a user's trade order operation in monetary units. In this case, the specific issue shown in FIGS. The amount setting field 46e of the transaction screen 45 is switched to the stock number setting field, and the transaction amount display field 23a and the like of each portfolio screen 21 and the like are also switched to the stock number setting field. Furthermore, the present invention can be applied not only to the securities company system 2 performing transaction processing with relative transactions, but also to performing transaction processing with consignment transactions (execution of transactions at the financial product exchange pertaining to the exchange system 4). Assuming that Furthermore, the transaction object of the present invention can also be applied to financial products other than the above-mentioned stocks, specifically, securities such as bonds, real estate securities, investment trusts, futures transactions, CFD (Contract for Difference). Derivative products (financial derivatives) such as stock acquisition rights can be assumed, and the above-described contents can be applied to those corresponding to the stocks in these financial products. When applying these various financial products, the stock database 81 shown in FIG. 16 is appropriately used in accordance with the type of financial product to be used, and a plurality of types of financial products are used. In some cases (for example, stocks and investment trusts), a brand database corresponding to the type of each financial product is used. It is also possible to make the specification specialized for processing related to the display of such a portfolio screen. In this case, a dedicated icon is arranged on the home screen 11 of FIG. 3 and this icon is selected. Then, it is also possible to display the login screen of FIG. 4 and to display the portfolio screen 21 of FIG. 10 immediately upon reception of the login operation. Furthermore, when the user has a plurality of types of financial products, a single portfolio screen includes graphic parts corresponding to the plurality of types of financial products. The portfolio graphs on the portfolio screen when holding B company shares) and investment trusts (X investment trust, Y investment trust) are: A company stock graphic part, B company stock graphic part, X investment trust graphic part, Y investment trust graphic part And a cash figure part.

  Further, the portfolio information transmitted to the user terminal by the securities company system 2 (system server 80) at the stage of S32 in the second flowchart of FIG. 21 includes “total asset amount, evaluation amount of each brand, and account amount”. , Or “the amount of each asset relative to the total amount of assets (percent) and the amount of account amount to the total amount of assets (percent)” explained above, but other than such contents In addition, content information such as “total asset amount, number of shares held by logged-in user for each brand (equivalent to brand holding information), latest stock price of each brand, account amount” is sent to the user terminal as portfolio information May be. In this case, on the user terminal side, from the portfolio information of the contents such as “total asset amount, number of shares held by the logged-in user for each brand, latest stock price of each brand, account price”, the evaluation price of each brand, or The portfolio screen is generated by calculating the ratio (percentage) of each brand to the total asset amount.

  Furthermore, when the change of the portfolio due to the fluctuation of the stock price is presented to the user in detail, the stock price of the latest stock is also obtained from the securities company system 2 or the information collecting system 3 after transmitting the portfolio information once. The user terminal (CPU 10a) stores the portfolio information received earlier, the stock price of the latest brand received, and each brand included in the stored portfolio information. The latest portfolio screen may be generated by calculating the evaluation amount of each issue or the ratio (percentage) of each issue with respect to the total asset amount using the number of shares.

  Furthermore, as described above, when stocks of overseas companies are to be traded, the total asset amount included in the portfolio information transmitted to the user terminal, the evaluation amount of each issue (or the amount of each issue relative to the total asset amount) As for the ratio, etc., it can be assumed that the securities company system 2 (system server 80) side uses the amount calculated using the foreign exchange rate. The exchange rate used at this time is the latest exchange rate known by the securities company system 2 when the securities company system 2 receives the portfolio request information from the user terminal (see step S25: YES in FIG. 21). Will be used. In addition, if the exchange rate fluctuates, etc., the above-mentioned amounts etc. are calculated by the securities company system 2 (system server 80) according to the exchange rate fluctuation, so that the exchange rate fluctuation can be It may be possible to express. Further, the foreign exchange rate is transmitted from the securities company system 2 or the information collection system 3 to the user terminal, and the received exchange rate is received at the user terminal, and the total asset amount, the evaluation amount of each brand (or the total asset) Of course, it is also possible to generate a portfolio screen using the calculated result.

  In addition, although the cash figure part mentioned above (for example, cash figure part 36 of FIG. 10 etc.) was intended for the cash in the account, the cash equivalent (a financial product having the same liquidity as cash, for example, For accounts according to MRF, MMF, etc.), the cash figure portion may be evaluated for cash equivalents, and when the user has both cash and cash equivalents accounts, You may target the sum of both. Further, among the various modifications described above, those that can be combined may be combined as appropriate. Moreover, although the content mentioned above demonstrated in the case where a user has several financial products (for example, A company stock-E company stock), if a user has one or more financial products, a portfolio screen can be displayed, For example, if the user holds only the A company stock, the smartphone 10 generates and displays a portfolio screen on which a portfolio graph including the A company stock graphic part and the cash graphic part is arranged. Furthermore, as financial products applicable in the present invention, financial products in a broad sense other than those described above can be applied. For example, convertible bonds, margin transactions, domestic bonds, foreign bonds, MMF, medium-term government bonds Funds, MRF, REIT, CFD, ETF, ETN, foreign exchange, gold, platinum, commodity futures, various time deposits, various structured deposits, various savings, various savings, investment trusts, various insurances, money trusts, foreign currency deposits, etc. It can be included in the object of the financial product of the present invention. In addition, in these various financial products, if there is an expression that is not suitable for sale / purchase etc., the buy button 23b and the sell button 23c (see FIG. 13 etc.) are combined into one transaction button. By accepting the selection operation, the processing may be advanced as if the operation of the transaction instruction accompanied by the movement of the possessed amount was accepted from the user.

  The financial product transaction system according to the second embodiment of the present invention displays various screens according to the first embodiment described above as a web page screen on a user terminal on a website basis. In the second embodiment, since the hardware configuration is the same as that of the first embodiment, the same reference numerals are used as in the first embodiment, and the contents of the second embodiment will be described below. .

  In the second embodiment, the securities company system 2 constructs a stock trading website on the network NW, and the system server 80 included in the securities company system 2 plays a role as a web server. The various screens described in the first embodiment in response to access are presented as web page screens to the user terminal via the website, so that the user can place a trading order for buying and selling.

  FIG. 37A shows the contents of a program and the like stored in the storage unit 10g by the smartphone 10 (see FIG. 2) as an example of a user terminal. A browser is newly added as unique to the second embodiment. The program P3 is stored. This browser program P3 performs processing in cooperation with the stock trading program P2 ′ for the second embodiment. For example, when the stock trading icon 12 on the home screen 11 in FIG. After accessing the website to be constructed, after the access, the CPU 10a generates a web page screen based on the web page data transmitted from the securities company system 2 based on the process defined by the browser program P3. The page screen is displayed on the display 10f. In addition, when a selection operation for each button included in the web page screen is received, the CPU 10a also controls to transmit an operation notification indicating that the button has been selected to the securities company system 2 based on the rules of the browser program P3. It will be.

  FIG. 37 (b) shows the contents of a program and the like stored in the mass storage system 80g of the system server 80 (see FIG. 15) of the securities company system 2. In addition, the web server program P12 is stored, and a web site DB 85 that stores web page data corresponding to a plurality of web pages constituting the web site constructed on the network is also stored. The web server program P12 reads screen data of a required web page from the website DB 85 according to the access status from the user terminal and transmits it to the access source user terminal, and is transmitted from the access source user terminal. The screen data corresponding to the incoming operation notification is transmitted.

  Further, the transaction program button P11 ′ of the second embodiment performs processing in cooperation with the processing of the web server program P12, and the processing content to be executed (portfolio information generation, transmission, sale / purchase processing) Etc.) is the same as in the first embodiment.

  The sixth flowchart of FIG. 38 shows the contents of the financial product transaction method relating to the login process of the second embodiment, and corresponds to the first flowchart of FIG. 20 in the first embodiment. First, the user terminal accesses the securities company system 2 based on the user selection operation of the stock transaction icon 12 on the home screen in FIG. 3 (S100). In the second embodiment, the stock transaction icon 12 is embedded with a link that specifies a URL to a stock transaction website that the system server 80 constructs on the network.

  The system server 80 (which also functions as a web server in the second embodiment) of the securities company system 2 is in a state of determining whether or not there is access from the user terminal at the first stage where the user has not logged in (S110), If there is no access (S110: NO), the access is waited. On the other hand, when there is an access (S110), the web page screen data for login having the same content as the login screen 15 shown in FIG. 4 is read from the website DB 85 and transmitted to the user terminal of the access source (S111). .

  When the user terminal receives the web page screen data for login, the user terminal generates and displays a login screen 15 (web page screen) having the contents according to FIG. 4 using the screen data (S101). It is determined whether or not a login operation required for login such as password input has been accepted (S102). When the login operation is not accepted (S102: NO), the login operation is waited. When the login operation is accepted (S102: YES), the user terminal stores the login information (input contents, UID, etc.) as a securities company system. 2 (S103).

  The system server 80 of the securities company system 2 is in a stage where it is determined whether or not login information has been received after transmitting the screen data for login (S112), and when login information has not been received (S112: NO), when the login information is received and the login information is received (S112: YES), it is determined whether or not the received login information matches the information stored in the user DB 82 of FIG. S113). If the login information does not match (S113: NO), the process returns to the stage of S111, and the web page screen data for login is transmitted to the user terminal again. In this case, the user terminal also returns to the stage of S101, displays a login screen, and presents the login opportunity to the user again.

  On the other hand, if the login information matches (S113: YES), the system server 80 reads out the screen data for the top page having the content according to the top page screen 18 of FIG. 5 from the website DB 85 (S114), and the access source It transmits to a user terminal (S115). The user terminal that has received the screen data for the top page generates a top page screen 18 (web page screen) with the content according to FIG. 5 based on the received screen data and displays it on the display 10f (S104).

  The seventh flowchart of FIG. 39 shows the processing content for displaying the portfolio screen 21 shown in FIG. 10 on the user terminal as a web page screen, and corresponds to the second flowchart of FIG. 21 in the first embodiment. ing. First, the portfolio button (for example, the first included in the menu bar 20 of the top page screen 18 in FIG. 5) in the menu bar 20 arranged at the bottom of each screen displayed on the user terminal of the user who has completed login. The user terminal determines whether or not there is a user operation for selecting the menu button 20a) (S120). When the selection operation is not received from the user (S120: NO), the selection is waited. On the other hand, when the selection operation is received (S120: YES), the user terminal sends a portfolio screen request to the securities company system 2 (system server 80). (S121).

  The system server 80 (MPU 80a) of the securities company system 2 is in a stage of determining whether or not a portfolio screen request has been received when the user login process is completed (S130), and does not receive a portfolio screen request (S130). S130: NO), and enters a state of waiting to receive a portfolio screen request. If a portfolio screen request is received (S130: YES), the user account table corresponding to the logged-in user ID is specified from the account DB 83 in FIG. Screen data for the portfolio information of the website based on the stock price at the time when the portfolio screen request is received and the portfolio information (including the total asset amount, the evaluation value of each issue, and the account amount, etc.) Is generated (S31), and the generated web page screen data for portfolio information is transmitted to the user terminal (S132).

  The web page screen data for the portfolio information described above graphically represents the user possession amount for each brand possessed by the logged-in user (for example, a pie chart), and the graphic location for identifying the user possession amount 10 (for example, the other end 31c of the A company stock graphic 31 of FIG. 10), a brand graphic part (for example, A A) in which a holding amount indicator (for example, the A company stock boundary line 31a of FIG. 10) that can be moved by a user operation is arranged. This is screen data for a web page that prescribes the display of the stock figure portion 31).

  Upon receiving the screen data for portfolio information, the user terminal generates a portfolio screen 21 (web page screen) shown in FIG. 10 based on the received screen data (S122), and displays the generated portfolio screen 21 on the display 10f. (S123).

  The eighth flowchart of FIG. 40 shows a stock boundary line (for example, A A) that functions as a holding amount indicator of a graphic part (for example, A company stock graphic part 31) of any brand in the portfolio screen 21 displayed on the user terminal. This shows the processing contents for the case where the company stock boundary line 31a) is selected by the user and a trading order is placed by the user's movement operation (drag operation). In the following description of the eighth flowchart, it is assumed that the stock of A company is a trading target, and the A company stock boundary line 31a is already selected in the first stage (S140).

  First, the user terminal determines whether or not there has been a movement operation (drag operation) by the user of the A company stock boundary line 31a (S140). When there is no movement operation (S140: NO), the operation waits, and when there is a movement operation (S140: YES), the movement of the user is detected by the CPU 10a detecting the movement direction of the A company stock boundary line 31a. The operation is accepted as a sale or purchase operation, and a brand ID indicating the brand to be traded, a sale or purchase operation, and a movement operation indicating the amount of movement are transmitted to the securities company system 2 (system server 80). (S141).

  The system server 80 of the securities company system 2 is in a stage of determining whether or not the movement operation data has been received (S150). When the movement operation data has not been received (S150: NO), the system waits for reception. It becomes. Further, when the movement operation data is received (S150: YES), the system server 80 identifies the stock brand to be traded from the brand ID included in the movement operation data (S151), and from the movement amount included in the movement operation data. The transaction amount (transaction amount) is specified (S152), web page screen data for the transaction screen of the company A stock reflecting these identification results and the like is generated and transmitted to the user terminal (S153).

  If the received move operation data includes a purchase operation, the web page screen data for the transaction screen to be transmitted includes, for example, a transaction amount display field 23a in the stage of S152 as shown in FIG. In addition to indicating the specified amount of money, the data contents define a purchase operation state screen including a buy / sell order menu 23 in which the purchase button 23b is activated. The status of movement of the A company stock boundary line 31a in the portfolio graph 30 of FIG. 12 is displayed without particularly communicating with the system server 80 (this processing content is S132). Predefined in screen data sent in stages). Further, for example, as shown in FIG. 13, the screen data for the transaction screen when the received movement operation data includes the sale operation is the transaction amount display field 23a with the amount specified in the step S152. The contents of the data define a screen in a sale operation state including a buy / sell order menu 23 in which the sale button 23c is activated.

  When receiving the screen data for the transaction screen having the above-described content, the user terminal generates a web page screen for transaction including the portfolio graph (portfolio screen 21 shown in FIG. 12 or FIG. 13) based on the screen data. Are displayed (S142). Then, the user terminal determines whether or not the selection operation of the transaction button (the active purchase button 23b in FIG. 12 or the active sale button 23c in FIG. 13) has been accepted (S143). If the transaction button selection operation is not accepted (S143: NO), the transaction button operation waiting state is entered, and if the transaction button selection operation is accepted (S143: YES), the purchase or the purchase related to the selected transaction button The transaction order data including the sales order instruction and the amount indicated in the transaction amount display field 23a is transmitted to the securities company system 2 (system server 80) (S144).

  The system server 80 of the securities company system 2 is in a stage of determining whether or not the trade order data has been received (S154). When the trade order data has not been received (S154: NO), the system is waiting for reception. It becomes. When the transaction order data is received (S154: YES), the system server 80 uses the purchase or sale instruction and the transaction amount included in the received transaction order data, and a confirmation screen showing the transaction confirmation contents. Web page screen data is generated and transmitted to the user terminal (S154). Note that the SysM server 80 stores the transaction confirmation content included in the transmitted screen data in the RAM 80c or the like in association with the logged-in user ID.

  The screen data for the confirmation screen to be transmitted has data contents that stipulate that the purchase confirmation screen 25 as shown in FIG. 8A is displayed when the purchase order is included in the transaction order data. In addition, when the sale order is included in the transaction order data, the data content defines that the sale confirmation screen 26 as shown in FIG. 8B is displayed.

  When the user terminal receives the screen data for the confirmation screen having the above-described contents, the user terminal displays the confirmation web page screen (the purchase confirmation screen 25 in FIG. 8A or FIG. 8B) based on the screen data. The sale confirmation screen 26) is generated and displayed (S145).

  The ninth flowchart of FIG. 41 shows the processing contents for completing the sales transaction based on the confirmation screen (the purchase confirmation screen 25 or the sale confirmation screen 26). The user terminal determines whether or not the selection operation by the user of the OK button (the OK button 25a of the purchase confirmation screen 25 or the OK button 26a of the sale confirmation screen 26) arranged on the confirmation screen has been received (S160). If an OK button selection operation has not been accepted (S160: NO), the OK button selection operation is waited. If an OK button selection operation has been accepted (S160: YES), the user terminal makes a final transaction order. Is transmitted to the securities company system 2 (system server 80) (S161).

  The system server 80 of the securities company system 2 is in a stage of determining whether or not a final trading order has been received (S170), and when a final trading order has not been received (S170: NO), Waiting for reception. When the final transaction order is received (S170: YES), the system server 80 executes transaction processing based on the transaction confirmation contents associated with the logged-in user ID (S171), and completes the transaction. Web page screen data for a completion screen for notification is read from the website DB 85 and transmitted to the user terminal (S172). When a purchase process is performed as a transaction process, screen data (web page screen data) for a transaction completion screen that defines the screen content corresponding to the purchase completion screen 27 shown in FIG. 9A is transmitted. When the sale process is performed as the transaction process, the screen data for the transaction completion screen that defines the screen content corresponding to the sale completion screen 28 shown in FIG. 9B is transmitted.

  When the user terminal receives the transaction completion screen data having the above-described contents, based on the screen data, the user terminal displays the transaction completion screen (the purchase completion screen 27 in FIG. 9A or the sale completion screen 28 in FIG. 9B). ) Is generated and displayed (S162).

  As described above, in the invention according to the second embodiment, the portfolio screen 21 according to the first embodiment is displayed on the website base, and the processing related to the trading order based on the portfolio screen 21 is also performed on the website base. Accordingly, the processing contents of the financial product transaction of the present invention can be performed with a flexible system configuration. Note that also in the second embodiment, the contents of various modifications related to the portfolio screen and the like described in the first embodiment can be applied with the contents according to the second embodiment.

  The system according to the third embodiment of the present invention displays the various portfolio screens described in the first and second embodiments, but the operation is limited to changing the holding amount of various financial products on the portfolio screen. The feature is that the transaction instruction is issued by various conventional methods without accepting the transaction instruction based on the operation on the portfolio screen. Therefore, in the third embodiment, various breakdowns of financial products held by the user can be changed on the portfolio screen so that various simulations can be performed so that a portfolio with various breakdowns can be confirmed before a transaction is performed. It is a specification. Note that the hardware configuration of the third embodiment is the same as that of the first embodiment, and therefore, the same reference numerals are used as in the first embodiment, and the contents of the third embodiment will be described below.

  The portfolio graph arranged in the portfolio screen displayed in the third embodiment is basically the same as the portfolio graph 30 shown in FIG. 10 and includes a plurality of graphic parts and a cash graphic part. In displaying a portfolio screen including such a portfolio graph, the system server 80 includes financial product holding information (brand holding information) held by the logged-in user and account cash information related to the amount of cash in the user account. The portfolio information is transmitted to the smartphone 10, and the smartphone 10 receives the portfolio information and generates a portfolio screen on which a portfolio graph including a plurality of graphic parts and a cash graphic part as shown in FIG. 10 is arranged. This is displayed on the display 10f.

  The manner of operation on the displayed portfolio screen is the same as that of the first embodiment, and the graphic part (A company stock graphic part) of the financial product (for example, A company stock) to be changed from the plurality of graphic parts. ) Is performed on the display location of the graphic range (region range). Thereby, as shown in FIG. 11, a movement mark is shown on the A company stock boundary line which is the possession amount indicator of the A company stock figure part.

  FIG. 42 shows one specific example of the portfolio screen 621 (displayed on the display 10f) according to the third embodiment. In the portfolio screen 621, a portfolio graph 630 is arranged in the upper part 621a of the screen, and a total amount column 622 is provided in the upper portion thereof. An asset amount (amount of 1 million yen in FIG. 42) is arranged. This total asset amount is based on the portfolio information acquired from the system server 80.

  Similarly to FIG. 10, the portfolio graph 630 includes an A company stock graphic part 631 to an E company stock graphic part 635 and a cash graphic part 636, and the A company boundary line 631 a of the A company stock graphic part 631 is changed to the A company stock. When the smartphone 10 accepts an operation for moving the graphic area of the graphic part 631 in the direction of expanding the graphic range (other direction) as a purchase operation for the A company stock, the cash boundary line 636a of the cash graphic part 636 is linked to the movement. Is moved in a direction to reduce the graphic range of the cash graphic portion 636 (see FIG. 42). As with the case of the first embodiment, the movement amount of the cash boundary line 636a is specified by the smartphone 10 by the amount of movement of the A company stock boundary line 631a, and based on the specified movement amount, The movement amount of the cash boundary line 636a is specified by the smartphone 10, and the smartphone 10 performs the process of actually moving the cash boundary line 636a with the movement amount of the specified cash boundary line 636a (A company stock boundary line) If 631a is moved by 50,000 yen, the cash boundary line 636a is also moved by 50,000 yen).

  The portfolio screen 621 of the third embodiment is the portfolio arranged in the lower part of the screen in the state displayed immediately before the operation of the A company stock boundary line 631a (the state immediately after displaying the portfolio screen) in the lower part 621b of the screen. From the detailed information (see FIG. 10), in accordance with the operation of the A company stock boundary line 631a, the arrangement is switched to the arrangement of the transfer amount column 623a, the storage button 623b, the return button 623c, and the first return button 623d. . In the third embodiment, the purchase button and the sale button are not provided as in the first embodiment (see the purchase button 23b and the sale button 23c in FIG. 12). The sale operation cannot be performed. In the state where the portfolio screen 621 before the movement of the boundary line is displayed, the past transaction history (see FIG. 14) may be arranged in the lower part of the screen instead of the portfolio detail information.

  The transfer amount column 623a corresponds to the transaction amount display column 23a of FIG. 12, and, as in the first embodiment, the evaluation amount of the A company stock (in accordance with the amount of movement of the A company boundary line 631a ( Amount) is specified by the smartphone 10, and the specified amount is indicated, so that it can be confirmed at any time how much the amount of movement operation of the A company stock boundary line 631a corresponds to I have to. Further, the characters “Buy” or “Sell” are also displayed in the transfer amount column 623a together with the amount according to the movement direction of the A company boundary line 631a.

  Further, the memory button 623b is used to change the ratio of each financial product / cash etc. constituting the portfolio specified by the movement of the company A stock boundary line 631a and the cash boundary line 636a in the portfolio graph 630 shown in FIG. This is a button for performing processing to store the system server 80 with the contents of buying 50,000 yen of A company stock using 50,000 yen of cash, ie, the contents of moving 50,000 yen of user account to A company stock) is there. When the smartphone 10 accepts the selection operation of the storage button 623 in a state where the boundaries 631a and 636a in the portfolio graph 630 of FIG. 42 have been moved, the identification is performed based on the movement of the boundaries 631a and 636a. The smartphone 10 performs a process of temporarily storing the above change contents (contents of buying 50,000 yen for the A company stock) in the RAM 10c and a process of transmitting to the system server 80.

  In addition, in the system server 80, when the change content based on the movement of the respective boundary lines 631a and 636a (contents for purchasing 50,000 yen for A company shares using 50,000 yen in the user account cash) is received from the smartphone 10. The received change contents are stored in the mass storage system 80g (see FIG. 15) in association with the user ID of the logged-in user and the date and time at that time. As described above, when the system server 80 stores the contents based on the movement of the boundary lines 631a and 636a, the smartphone 10 calls the stored change contents from the system server 80 even after a predetermined time has elapsed. It is possible to confirm the contents of the change in the composition ratio of the portfolio later in the portfolio graph 630 and then conduct a transaction.

  Further, in the third embodiment, since a trading order is not placed on the portfolio screen 621, it is possible to continuously move the boundary lines of the graphic parts 631 to 635 several times. In addition, if the memory button 623 is selected, contents based on the movement of each boundary line can be stored. For example, as described above, as the operation of the first boundary line, as described above, the operation of buying A company stock for 50,000 yen, and as the second operation of selling B company stock for 100,000 yen, By performing the selection operation of the memory button 623 every time the operation is performed, the smartphone 10 temporarily stores the contents of the operation of the boundary line in the RAM 10c and transmits the contents to the system server 80 for storage. become. By performing such a storage method, even when the boundary line movement operation is performed a plurality of times, it is possible to check the change in the composition ratio for each boundary line movement operation as needed.

  The return button 623c disposed below the storage button 623b is a button for returning to the state before the latest boundary line movement operation. When the smartphone 10 receives the selection operation of the return button 623c, the change content based on the movement of the latest boundary line temporarily stored in the RAM 10c is specified, and the movement related to the specified change content is performed. The smartphone 10 performs the process of specifying the previous state and returning the portfolio graph 630 to the specified state. As a result, changes in the breakdown of the portfolio (composition ratio) can be changed multiple times, and even if various simulations are performed, it is possible to easily return to the most recent state. The contents can be simulated.

  The first return button 623d arranged below the return button 623c is a button for returning to a state before a series of boundary line movement operations when a plurality of series of boundary line movement operations are performed. . When the smartphone 10 accepts the selection operation of the first return button 623d, the change contents based on the movement of a series of boundary lines in the date and time are specified in the RAM 10c, and the specified series The smartphone 10 performs the process of specifying the state before the movement related to each change content and returning the portfolio graph 630 to the specified state. This makes it easy to return to the initial state before a series of operations even if various simulations are performed by changing the percentage change of the portfolio breakdown multiple times. it can.

  FIG. 43 shows the operation of moving the A company stock boundary line 631a of the A company stock graphic part 631 in a direction (one direction) to reduce the graphic range of the A company stock graphic part 631. As the smartphone 10 accepts, the cash boundary line 636a of the cash graphic part 636 is moved in the direction of expanding the graphic range of the cash graphic part 636 in conjunction with the movement. In the case of FIG. 43, the transfer amount column 623a indicates the evaluation amount (amount of 50,000 yen) of the A company stock according to the transfer amount of the A company boundary line 631a together with the characters “transfer (sell)”. It is.

  As described above, in the portfolio screen 621 of the third embodiment, the boundary line movement operation of each graphic unit is performed as in the first embodiment, but only the contents based on the movement operation of the boundary line are stored. Since the transaction order is not performed, the first and second flowcharts shown in FIGS. 20 and 21 can be similarly applied to the third embodiment with respect to the overall processing flow. However, in the third flowchart shown in FIG. When the boundary line movement operation is a sale operation, the process is up to S35, and when the boundary line movement operation is a purchase operation, the process is up to S40, and the subsequent processing to the trading order on the portfolio screen is not performed. Such processing performed by the smartphone 10 (communication terminal device) according to the third embodiment is performed by downloading an application program according to the stock trading application P2 (see FIG. 2) to the smartphone 10 or a storage medium (USB memory, memory card, etc.) ), And the processing performed by the system server 80 (server) according to the third embodiment also downloads a server program in accordance with the transaction program P11 (see FIG. 15) or a storage medium (storage disk). Etc.).

  In order to place a trade order in the third embodiment, the user places a trade order in the conventional manner in consideration of the result of the simulation performed on the portfolio screen 621 described above. Accessing the site and placing a transaction order by the user performing the required operations on the website, contacting the securities company by telephone, FAX, etc., and placing the transaction order verbally or in writing Can be assumed. As described above, in the third embodiment, since the trading order is not put out as it is in the portfolio screen 621, it is important not to focus on the speed of trading but on the ratio of the breakdown of the portfolio or the users who place importance on careful trading. It is suitable for users who want to perform various simulations.

  In the third embodiment, various modifications can be assumed as in the first embodiment. For example, in FIGS. 42 and 43, the case where the user has a plurality of financial products (stocks of Company A to Company E) has been described. However, if the user has one or more financial products, the third embodiment It is possible to generate and display the portfolio screen 621 on which such a portfolio graph is arranged. Moreover, in the content mentioned above, although the object linked with the movement of the boundary line of each graphic part 631-635 was fixed to the cash boundary line 636a of the cash graphic part 636, from among the financial products which concern on several graphic parts. It is also possible to make the specification for appropriately setting the financial product to be linked as in the case of the modified example (see FIG. 31) described in the first embodiment.

  The above modification will be described in detail based on the portfolio screen 621 in FIG. 42. First, one graphic part (for example, A company stock graphic part) among the plurality of financial products related to the multiple graphic parts 631 to 635. 631), the smartphone 10 accepts an operation for selecting the graphic range, and then selects the graphic range of another graphic part (for example, the C company stock graphic part 633) related to another financial product to be linked. If the smartphone 10 accepts, the smartphone 10 performs a process of setting another financial product (for example, the C company stock) as a target to be linked to one financial product (for example, the A company stock).

  Thereafter, as in the case described above, an operation of moving the boundary line of one graphic part (for example, A company stock boundary line 631a) in a direction (other direction) to decrease the graphic range of the one graphic part. When the smartphone 10 accepts, the boundary line (for example, the C company stock boundary line 633a) of the other graphic part (for example, the C company stock graphic part 633) related to the other financial product in conjunction with the movement, etc. Is moved in the direction of enlarging the graphic range of the graphic part (for example, C company graphic part 633). In this case, the smartphone 10 receives the above-described movement operation of the boundary line of the one graphic unit as a sale operation of the financial product related to the one graphic unit. In addition, the specification etc. of the amount to move the boundary line of another graphic part are the same as the case of the movement of the boundary line of the cash graphic part mentioned above.

  When the above operation is performed, the transfer amount column 623a includes the characters “Sale of financial products related to one graphic part”, “Amount (for example, 50,000 yen)”, and “Other graphic parts”. The letters “buy financial products” and the “amount (for example, 50,000 yen)” are arranged. As a specific example, the contents “A company's stock sales 50,000 yen, C company's stock purchases 50,000 yen” are arranged in the transfer amount column 623a. In addition, as another example of expression placed in the transfer amount column 623a, the expression “move by 50,000 yen from A company stock to C company stock” may be used. Furthermore, when the selection operation of the memory button 623b is accepted in such a case, the amount related to the movement of the financial product (for example, the company A stock) related to one graphic part and the other graphic part to be linked A financial product (for example, a C company stock) is temporarily stored in the RAM 10 c and the change content accompanying the movement is transmitted to the system server 80 in order to be stored in the system server 80.

  In addition, the smartphone 10 accepts an operation for moving the boundary line of one graphic part (for example, the A company stock boundary line 631a) in a direction (one direction) for enlarging the graphic range of the one graphic part. The boundary line (for example, the C company stock boundary line 633a) of another graphic part (for example, the C company stock graphic part 633) relating to another financial product in conjunction with the movement is changed to the other graphic part (for example, the C company stock). The graphic range of the graphic portion 633) is moved in a decreasing direction. In this case, the smartphone 10 accepts the above-described movement operation of the boundary line of the one graphic part as a purchase operation of the financial product (for example, A company stock) related to the one graphic part.

  When this operation is performed, the transfer amount column 623a includes the characters “buy financial product related to one graphic part”, “amount (for example, 50,000 yen)”, and “other graphic part”. And “the amount of money (for example, 50,000 yen)” are arranged. As a specific example, the contents “A company stock purchase 50,000 yen, C company stock sale 50,000 yen” are arranged in the transfer amount column 623a. In addition, as another example of expression placed in the transfer amount column 623a, an expression “migrate by 50,000 yen from C company stock to A company stock” may be used.

  In addition, when not setting the object linked | linked with the movement of the boundary line of each graphics part 631-635 as mentioned above, when setting a linked object to a user account, first, it is the plurality which concerns on the several graphics part 631-635. By selecting the graphic range of one graphic part (for example, A company stock graphic part 631) in the financial product, and then selecting the graphic range of the cash graphic part 636 as the interlocking target, For example, a user account is set as a target to be linked to A company stock). Note that the operation status after the cash figure portion 636 related to the user account is set as the interlocking target is the same as that when the interlocking target is fixed to the user account.

  FIG. 44 shows a portfolio screen 721 when the user has a plurality of types of financial products as one of the modifications of the third embodiment. FIG. 44 shows two types of financial products: stocks of A company stock, B company stock, X investment trust, Y investment trust, and Z investment trust among financial products handled by securities companies with user accounts. The portfolio graph 730 is displayed in the upper part of the screen when the product is owned by the user and the total value of the evaluation amount of each financial product and the amount of cash in the user account of the securities company is 1 million yen. 721a.

  In order to display such a portfolio graph 730, the system server 80 transmits to the smartphone 10 account cash information indicating the amount of money held in the user account and the amount of cash in the user account related to the amount held by the user. Become. And the smart phone 10 contains each graphic part 731-735 which represented the possession amount of the financial product based on the received holding information graphically, and the portfolio graph 730 containing the cash figure part 736 based on account cash information. The arranged portfolio screen 721 is displayed. Each graphic part 731a to 735 of the portfolio graph 730 has a boundary line 731a corresponding to the possessed quantity indicator.

  In the case of FIG. 44, the operation when performing a simulation when purchasing 50,000 yen of X investment trust for 50,000 yen in the holding amount of the stock of Company A involves a plurality of graphic parts 731 to 735. A graphic range of one graphic part (for example, A company stock graphic part 731) in a plurality of financial products is selected, and then another graphic part (for example, X investment trust graphic) related to another financial product to be linked. Part 733) is selected to set another financial product (for example, X investment trust) linked to one financial product (for example, A company stock).

  Then, an operation of moving the boundary line of one graphic part (for example, the A company stock boundary line 731a of the A company stock graphic part 731) in a direction (other direction) to reduce the graphic range of the one graphic part (5). The operation of moving ten thousand yen), and the smartphone 10 accepting the sale of the financial product related to one graphic part, other graphic parts related to other financial products (for example, the X investment trust graphic part) 733) (for example, X investment trust boundary line 733a) is moved in a direction to expand the graphic range of another graphic part (for example, X investment trust graphic part 733) (enlargement by 50,000 yen).

  In addition, in the portfolio graph 730 shown in FIG. 44, in order to purchase 50,000 yen of the stock of A company, the operation for performing the simulation when selling 50,000 yen of the X investment trust includes a plurality of graphic parts 731 to 735. A graphic range of one graphic part (for example, A company stock graphic part 731) is selected from among the plurality of financial products related to and another graphic part (for example, X The graphic range of the investment trust graphic part 733) is selected, and another financial product (for example, X investment trust) linked with one financial product (for example, A company stock) is set.

  An operation of moving a boundary line of one graphic part (for example, A company stock boundary line 731a of A company stock graphic part 731) in a direction (one direction) for enlarging the graphic range of one graphic part (50,000 yen) Operation), the smartphone 10 accepts the purchase operation of the financial product related to the one graphic part, so that the other graphic part related to the other financial product (for example, the X investment trust graphic part 733) in conjunction with the movement. ) Boundary line (for example, X investment trust boundary line 733a) is automatically moved in a direction to decrease the graphic range of another graphic part (for example, X investment trust graphic part 733) (reduction by 50,000 yen). .

  In addition, the same change contents as above (the contents of selling X investment trust for 50,000 yen in order to purchase 50,000 yen of Company A's stock) can be done by other operations. That is, by first selecting the graphic range of the X investment trust graphic part 733 as one graphic part, and then selecting the graphic range of the A company stock graphic part 731 as another graphic part to be linked, one financial product Company A shares are set as another financial product linked to X investment trust. Then, the operation of moving the boundary line 733a of the X investment trust graphic part 733 in the direction (other direction) to decrease the graphic range of the X investment trust graphic part 733 (the operation of moving by 50,000 yen), the sale operation of the X investment trust As the smartphone 10 accepts, the boundary line 731a of the A company stock figure part 731 can be moved in the direction of enlarging the figure range of the A company stock figure part 731 in conjunction with the movement (for 50,000 yen). (Enlarge). In addition, about the movement of the possession amount between each company figure part 731-735 and the cash figure part 736, it becomes the way of operation similar to the case mentioned above.

  The above-described simulation operation using the portfolio graph 730 shown in FIG. 44 can of course be performed by the user who owns each financial product included in the portfolio graph 730, but in addition to the operation by the user himself, for example, It can also be assumed that a sales staff such as a securities company makes various proposals to the user for changing the breakdown ratio of the portfolio of the user who is a customer.

  In this case, a sales staff such as a securities company displays a portfolio screen 721 as shown in FIG. 44 and presents it to the user by using a communication terminal device on the securities company side, and performs various operations as described above. By conducting a simulation that changes the breakdown ratio of the portfolio in various ways, it will be possible to provide users with various ideas visually while confirming their intentions, etc. As one, the present invention can be used. In the simulation, if there is a proposal approved by the user, the contents of the proposal are stored by the operation of the above-mentioned storage button, and a transaction order is obtained by obtaining the user's approval based on the stored contents. It becomes possible.

  In such a usage, it is preferable to use a tablet or a notebook computer having a screen size larger than that of the smartphone 10 as the communication terminal device that displays the portfolio screen 721. Examples of various financial products handled by securities companies as mentioned above include stocks, investment trusts, convertible bonds, margin transactions, domestic bonds, foreign bonds, MMF, medium-term government bond funds, MRF, REIT, CFD, ETF, ETN, foreign exchange, gold, platinum, commodity futures, etc. are covered. In addition to handling cash equivalents such as MMF and MRF as those related to the cash graphic part as described above, depending on the item classification of products handled by securities companies, etc. or the specifications of the portfolio screen, etc. It can also be treated as belonging.

  FIG. 45 shows a portfolio screen 821 in the case where a user holds a plurality of types of financial products handled by a certain financial institution as another modification of the third embodiment. The portfolio screen 821 also includes a portfolio graph 830 having a plurality of graphic parts 831 to 835 and a cash graphic part 836 in the upper screen part 821a, and each graphic part 831 to 835 is a boundary that is a holding amount indicator. The cash figure portion 836 has a cash boundary line 836a which is a cash indicator. Examples of financial institutions include various banks, credit unions, credit unions, agricultural cooperatives, fishery cooperatives, post offices, and the like.

  Specifically, the plurality of graphic parts 831 to 835 include an X investment trust graphic part 831 corresponding to a financial product called X investment trust, a dollar foreign currency graphic part 832 corresponding to a financial product called dollar foreign currency deposit, and a financial product called euro foreign currency deposit. The corresponding euro foreign currency graphic part 833, the life insurance graphic part 834 corresponding to the financial product called life insurance, the Y investment trust graphic part 835 corresponding to the financial product called Y investment trust, and the cash graphic part 836 , Corresponding to a user's deposit account (for example, a savings account) provided in one financial institution that handles these financial products.

  In order to display such a portfolio graph 830, the system server 80 of the financial institution displays holding information relating to the holding amount of a plurality of financial products held by the user and account cash information indicating the amount of cash in the user's savings account. The portfolio information including is transmitted to the smartphone 10. And the smart phone 10 contains each graphic part 831-835 which represented the possession quantity of the financial product based on the received holding information graphically, and the portfolio graph 830 containing the cash figure part 836 based on account cash information. The arranged portfolio screen 821 is displayed.

  In the case of FIG. 45, the operation for performing a simulation when 50,000 yen in the amount held by the X investment trust is transferred to the euro foreign currency deposit is performed for a plurality of financial products related to the plurality of graphic parts 831 to 835. A graphic range of one graphic part (for example, X investment trust graphic part 831) is selected, and then a graphic range of another graphic part (for example, Euro foreign currency graphic part 833) relating to another financial product to be linked. By selecting, another financial product (for example, euro foreign currency deposit) linked to one financial product (for example, X investment trust) is set.

  Then, an operation of moving the boundary line of one graphic part (for example, the X investment trust boundary line 831a of the X investment graphic part 831) in a direction (other direction) to reduce the graphic range of the one graphic part (50,000 yen) Movement operation), the smartphone 10 accepts the sale operation of the financial product related to one graphic part, and other graphic parts related to other financial products (for example, the Euro foreign currency graphic part 833) in conjunction with the movement. (For example, Euro foreign currency boundary line 833a) is moved in the direction of expanding the graphic range of another graphic part (for example, Euro foreign currency graphic part 833) (enlargement by 50,000 yen).

  In addition, in the portfolio graph 830 shown in FIG. 45, a plurality of operations are also performed when performing a simulation in the case where the purchase of X investment trust worth 50,000 yen is covered by 50,000 yen in euro foreign currency deposits, as described above. The graphic range of one graphic part (for example, X investment trust graphic part 831) among the plurality of financial products related to the graphic parts 831 to 835 is selected, and then another graphic related to another financial product to be linked. The graphic range of the part (for example, Euro foreign currency graphic part 833) is selected, and another financial product (for example, Euro foreign currency deposit) linked with one financial product (for example, X investment trust) is set.

  Then, an operation of moving the boundary line of one graphic part (for example, the X investment trust boundary line 831a of the X investment trust graphic part 831) in the direction (one direction) for enlarging the graphic range of the one graphic part (50,000 yen) Operation), the smartphone 10 accepts the purchase operation of the financial product related to the one graphic part, so that another graphic part related to the other financial product (for example, the euro foreign currency graphic part 833) in conjunction with the movement. ) Boundary line (for example, Euro foreign currency boundary line 833a) is moved in a direction to decrease the graphic range of other graphic parts (for example, Euro foreign currency graphic part 833) (reduction by 50,000 yen).

  In addition, the same change contents as above (contents of moving 50,000 yen in Euro foreign currency deposits to X investment trust) can be performed by other operations. That is, by first selecting the graphic range of the euro foreign currency graphic part 833 as one graphic part, and then selecting the graphic range of the X investment trust graphic part 831 as another graphic part to be linked, one financial product X investment trust is set as another financial product linked to Euro foreign currency deposits. Then, the smartphone 10 accepts an operation of moving the boundary line 833a of the euro foreign currency graphic part 833 in a direction (another direction) to reduce the graphic range of the euro foreign currency graphic part 833 (operation for moving by 50,000 yen). In conjunction with the movement, the boundary line 831a of the X investment trust graphic part 831 can be moved in the direction of expanding the graphic range of the X investment trust graphic part 831 (enlargement by 50,000 yen).

  In addition, the portfolio graph 830 of FIG. 45 includes a life insurance graphic part 834 corresponding to a financial product called life insurance. The life insurance is fully canceled and the amount of cancellation (held amount) is converted into a dollar foreign currency deposit. First, select the graphic area of the life insurance graphic part 834, then select the dollar foreign currency graphic part 832 to be linked, and then select the boundary line 834a of the life insurance graphic part 834, When the smartphone 10 accepts an operation of moving the figure range of the life insurance figure part 834 to a place where the whole figure range disappears, the boundary line 832a of the dollar foreign currency figure part 832 is linked to the movement, The figure range of the dollar foreign currency figure part 832 is moved in the direction of enlargement. Note that the amount of movement of the boundary line 832a of the dollar foreign currency graphic portion 832 is an amount corresponding to the total amount of life insurance. As described above, when foreign currency deposits such as dollars and euros are handled as financial products, the smartphone or system server calculates the holding amount in yen conversion using the latest exchange rate.

  Various simulation operations using the portfolio graph 830 related to the financial products handled by the financial institution shown in FIG. 45 also hold each financial product, as in the case of the portfolio graph 730 related to the financial products handled by the securities company and the like. In addition to the operation by the user himself / herself, for example, it can be assumed that a sales staff of a financial institution performs various proposals for changing the breakdown of a user's portfolio as a customer.

  Also in this case, the sales staff of the financial institution uses the communication terminal device on the financial institution side to display the portfolio screen 821 as shown in FIG. 45 and present it to the user, and perform various operations as described above. By performing simulations that change the breakdown ratio of the portfolio in various ways, various proposals can be visually appealed to the user, which can contribute to the efficiency of sales activities. Examples of financial products handled by financial institutions as described above include various time deposits, various structured deposits, various savings, various savings, investment trusts, various insurances, money trusts, foreign currency deposits, and the like. In addition, if the user has contracted with a financial institution for various loans (home loan, car loan, etc.), the amount based on these loans is the amount of cash that the user holds for the financial institution (the amount of the user account) ), The amount of cash is specified as the amount of cash (or cash equivalent) held by the user, and the cash figure portion of the portfolio graph is generated so as to indicate the amount held according to the specified amount. It may be. In this case, if the loan amount decreases due to loan repayment, the decrease amount is reflected in the graphic range of the cash graphic part.

  The portfolio screen according to the present invention covers not only securities companies or financial institutions but also financial products handled by insurance companies (various insurances such as life insurance and accident insurance). The staff also presents the portfolio screen according to the present invention to the user visually as a sales tool for users holding financial products handled by the company, as in the case of the sales staff of financial institutions such as the above-mentioned securities companies. (In this case, a portfolio graph including a graphic part corresponding to life insurance, a graphic part corresponding to accident insurance, etc. is generated). In addition to handling these various types of insurance as financial products of the present invention, a portfolio graph may be generated by including them in cash equivalent products of the present invention.

  The third embodiment is the same as the first embodiment except for the contents described above, and various modifications (for example, various portfolio screens) described in the first embodiment are also applicable. Furthermore, the portfolio screen described in the third embodiment can be displayed on the web page screen as in the second embodiment.

  That is, also in the third embodiment, as in the second embodiment, the screen data (the above-described portfolio screen described above) transmitted from the system server 80 by accessing the system server 80 with a communication terminal device (smart phone, tablet, etc.) Is displayed on the communication terminal device), and the communication terminal device generates and displays the above-described portfolio screen (portfolio screen as shown in FIGS. 42 to 45) based on the received screen data. Will do.

  Then, the communication terminal device moves the boundary line (retention amount indicator) of one graphic part in each graphic part included in the portfolio screen in a direction (one direction) to decrease the graphic range of the one graphic part. When the operation to accept is accepted, the communication terminal device sets the cash boundary line (interlocking target) in the direction to expand the graphic range of the cash graphic part (or the graphic range of the other graphic part that has been set when the interlocking target is set). When is set, a web page screen for moving the set boundary line of the other graphic part is generated and displayed. If the financial product related to one graphic part is a stock, an investment trust, etc., if the movement of the holding means the meaning of sale / purchase, etc., the graphic range of one graphic part mentioned above The movement operation in the direction of decreasing the number is accepted by the communication terminal device as a sale operation.

  In addition, the communication terminal device moves the boundary line (retention amount indicator) of one graphic part in each graphic part included in the portfolio screen in a direction (another direction) to expand the graphic range of the one graphic part. When the operation to accept is accepted, the communication terminal device sets the cash boundary line (interlocking target) in the direction of decreasing the graphic range of the cash graphic part (when the interlocking target is set, the graphic range of the other graphic part that has been set). When is set, a web page screen for moving the set boundary line of the other graphic part is generated and displayed. If the financial product related to one graphic part is a stock, an investment trust, etc., if the movement of the holding means the meaning of sale / purchase, etc., the graphic range of one graphic part mentioned above The movement operation in the direction of enlarging is accepted by the communication terminal device as a purchase operation. In the case where the portfolio graph is displayed on such a web page screen and the boundary line is moved, the operation content can be stored by the operation of the memory button, the operation of the return button, etc. It is possible to return to the state before the operation.

  In the case of the modification example in which the portfolio graph is displayed on the web page screen in the third embodiment, the boundary line movement operation of each graphic unit is performed as in the second embodiment, but based on the boundary line movement operation. Since the contents are stored only and the transaction order is not performed, the entire processing flow is the same as that of the web page screen display of the third embodiment with respect to the sixth and seventh flowcharts of FIGS. 38 and 39 in the second embodiment. In the eighth flowchart of FIG. 40, the screen generation display by the boundary line movement operation in accordance with S142 is executed, and the subsequent transactions on the portfolio screen are executed. Processing to order is not performed. In addition, the display of the portfolio screen on the web page screen in the third embodiment is the same as that in the second embodiment except for the above.

  The process performed by the smartphone 10 (communication terminal device) relating to the generation and display of the web page screen in the third embodiment is an application program according to the stock trading application P2 ′ or the browser program P3 (see FIG. 37A). Is downloaded to the smartphone 10 or installed through a storage medium (USB memory, memory card, etc.), and the processing performed by the system server 80 (server) in the third embodiment is also the transaction program P11 ′ or the web server program. This can be realized by downloading a server program according to P12 (see FIG. 37B) or installing it through a storage medium (storage disk or the like). In addition, when the portfolio graph is displayed on the web page screen in the third embodiment, the various modifications described in the second embodiment can be applied.

  In the present invention, the holding status of various financial products such as stocks held by the user can be confirmed and simulated on the portfolio screen, and trading orders can be made through the portfolio screen. The present invention can be suitably used for providing a user interface related to an intuitive transaction operation.

DESCRIPTION OF SYMBOLS 1 Financial product transaction system 2 Securities company system 3 Information collection system 4 Exchange system 10 Smartphone 10a CPU
11 Home Screen 12 Stock Trading Icon 18 Top Page Screen 21 Portfolio Screen 23a Transaction Amount Display Column 23b Purchase Button 23c Sell Button 30 Portfolio Graph 31-35 A Company Stock-E Company Stock Graphic Department 31a-35a Company A Stock-Company E Stock boundary line 36 Cash figure part 36a Cash indicator 40 Movement mark 45 Specific stock transaction screen 80 System server 80a MPU
81 Brand DB
82 User DB
83 Account DB
P2 Stock trading app P11 Trading program T1-T3 User terminal U1-U3 User (investor)

Claims (27)

In a system in which a communication terminal device receives and displays information on the amount of financial products held by a user from a server,
The server
Means for transmitting to the communication terminal device holding information relating to the amount of financial products held by the user, and account cash information indicating the amount of cash in the user account or the evaluation value of the cash equivalent,
The communication terminal device
Means for receiving possession information and account cash information transmitted from the server;
Graphically representing the amount of financial instruments held based on the received holding information, and a graphic portion having a movable holding amount indicator, and the cash amount or cash equivalent evaluation value based on the received account cash information Means for graphically representing and generating and displaying a screen including a cash graphic part having a movable cash indicator;
Means for accepting an operation for moving the possession amount indicator in one direction as an operation for selling the financial product according to the graphic unit;
Means for accepting an operation for moving the holding amount indicator in another direction as a purchase operation for a financial product according to the graphic part;
And a means for moving the cash indicator in conjunction with the movement of the holding amount indicator. In a system in which a communication terminal device receives and displays information on the amount of financial products held by a user from a server,
The server
Means for transmitting to the communication terminal device holding information relating to the amount of financial products held by the user, and account cash information indicating the amount of cash in the user account or the evaluation value of the cash equivalent,
The communication terminal device
Means for receiving possession information and account cash information transmitted from the server;
Graphically representing the amount of financial instruments held based on the received holding information, and a graphic portion having a movable holding amount indicator, and the cash amount or cash equivalent evaluation value based on the received account cash information Means for graphically representing and generating and displaying a screen including a cash graphic part having a movable cash indicator;
Means for moving the holding indicator in the direction of expanding the graphic range of the cash graphic part, when receiving an operation of moving the holding amount indicator in a direction of decreasing the graphic range of the graphic part;
And a means for moving the cash indicator in a direction to decrease the graphic range of the cash graphic part when an operation for moving the holding amount indicator in a direction to expand the graphic range of the graphic part is received. A system for displaying information related to the amount of financial product possessed by a user. In a system in which a communication terminal device receives and displays information related to the amount of financial products held by a user from a server,
The server
Means for transmitting possession information relating to the possession amount of a plurality of financial products possessed by the user to the communication terminal device;
The communication terminal device
Means for receiving possession information transmitted from the server;
Generate and display a screen that graphically represents the possession amount of the financial product based on the received possession information and includes a plurality of graphic parts having movable possession amount indicators according to each of the plurality of financial products. Means,
Means for setting another financial product linked to one financial product among the plurality of financial products;
Means for accepting, as a sale operation for the one financial product, an operation for moving the holding amount indicator of the one graphic unit corresponding to the one financial product in one direction;
Means for accepting, as a purchase operation for the one financial product, an operation for moving the possession amount indicator of the one graphic unit according to the one financial product in the other direction;
Means for moving a holding amount indicator of another graphic part corresponding to the other financial product in conjunction with movement of the holding amount indicator of the one graphic part, System that displays information related to In a system in which a communication terminal device receives and displays information related to the amount of financial products held by a user from a server,
The server
Means for transmitting possession information relating to the possession amount of a plurality of financial products possessed by the user to the communication terminal device;
The communication terminal device
Means for receiving possession information transmitted from the server;
Generate and display a screen that graphically represents the possession amount of the financial product based on the received possession information and includes a plurality of graphic parts having movable possession amount indicators according to each of the plurality of financial products. Means,
Means for setting another financial product linked to one financial product among the plurality of financial products;
When an operation of moving the possession amount indicator of one graphic unit corresponding to the one financial product in a direction to decrease the graphic range of the one graphic unit is received, the other graphic corresponding to the other financial product Means for moving the holding amount indicator of the other graphic part in the direction of expanding the graphic range of the part;
When an operation to move the holding amount indicator of one graphic unit corresponding to the one financial product in the direction of expanding the graphic range of the one graphic unit is received, the other graphic corresponding to the other financial product And a means for moving a holding amount indicator of the other graphic part in a direction to decrease the graphic range of the part. A system for displaying information related to the financial product holding quantity of the user. In a system for generating and displaying a web page screen including information on the amount of financial products held by the user based on screen data transmitted from the server in response to the communication terminal device accessing the server,
The server
Graphical representation of the amount of financial products held by the user, graphic portion having a movable holding amount indicator, and the amount of cash in the user account or the value of cash equivalents graphically represented and movable Means for transmitting screen data relating to a web page screen including a cash figure portion having a cash indicator to the communication terminal device,
The communication terminal device
When receiving the screen data, based on the received screen data, a means for generating and displaying a web page screen including the graphic part and the cash graphic part;
A web page screen in a state where the cash indicator is moved in the direction of enlarging the graphic range of the cash graphic part when the operation of moving the holding amount indicator in the direction of decreasing the graphic range of the graphic part is accepted. Means for generating and displaying
A web page screen in a state where the cash indicator is moved in the direction of decreasing the graphic range of the cash graphic part when the operation of moving the holding amount indicator in the direction of expanding the graphic range of the graphic part is accepted. A system for displaying information relating to the amount of financial product possessed by the user. A system for generating and displaying a web page screen including information relating to the possession amount of a plurality of financial products held by a user based on screen data transmitted from the server in response to the communication terminal device accessing the server In
The server
Graphically representing the amount of financial products held by the user, and the screen data relating to the web page screen including a plurality of graphic portions each having a movable amount indicator in accordance with each of the plurality of financial products Means for transmitting to the terminal device;
The communication terminal device
When the screen data is received, based on the received screen data, a means for generating and displaying a web page screen including a plurality of graphic parts;
Means for setting another financial product linked to one financial product among the plurality of financial products;
When an operation of moving the possession amount indicator of one graphic unit corresponding to the one financial product in a direction to decrease the graphic range of the one graphic unit is received, the other graphic corresponding to the other financial product Means for generating and displaying a web page screen in a state in which the holding amount indicator of the other graphic part is moved in the direction of expanding the graphic range of the part;
When an operation to move the holding amount indicator of one graphic unit corresponding to the one financial product in the direction of expanding the graphic range of the one graphic unit is received, the other graphic corresponding to the other financial product Means for generating and displaying a web page screen in a state in which the holding amount indicator of the other graphic part is moved in a direction of decreasing the graphic range of the copy part. A system that displays such information. In the method in which the communication terminal device receives and displays information related to the amount of financial products held by the user from the server,
The server
The step of transmitting to the communication terminal device holding information related to the amount of financial products held by the user and account cash information indicating the amount of cash in the user account or the evaluation value of the cash equivalent product,
The communication terminal device
Receiving possession information and account cash information transmitted from the server;
Graphically representing the amount of financial instruments held based on the received holding information, and a graphic portion having a movable holding amount indicator, and the cash amount or cash equivalent evaluation value based on the received account cash information Generating and displaying a screen including a cash graphic portion having a graphic indicator and having a movable cash indicator;
Receiving an operation of moving the possessed amount indicator in one direction as a sale operation of the financial product according to the graphic unit;
Receiving an operation of moving the holding amount indicator in another direction as a purchase operation of the financial product according to the graphic part;
A method for displaying information relating to a user's financial product holding amount, comprising: moving the cash indicator in conjunction with the movement of the holding amount indicator. In the method in which the communication terminal apparatus receives and displays information related to the possession amount of a plurality of financial products held by the user from the server,
The server
A step of transmitting to the communication terminal device possession information relating to the possession amount of a plurality of financial products possessed by the user,
The communication terminal device
Receiving possession information transmitted from the server;
Generate and display a screen that graphically represents the possession amount of the financial product based on the received possession information and includes a plurality of graphic parts having movable possession amount indicators according to each of the plurality of financial products. Steps,
Setting other financial products to be linked to one of the plurality of financial products;
A step of accepting an operation of moving a holding amount indicator of one graphic unit corresponding to the one financial product in one direction as a sale operation of the one financial product;
Receiving an operation of moving the holding amount indicator of one graphic unit according to the one financial product in another direction as a purchase operation of the one financial product;
Moving the holding amount indicator of the other graphic unit corresponding to the other financial product in conjunction with the movement of the holding amount indicator of the one graphic unit, To display information related to the above. In a communication terminal device that receives and displays information relating to the amount of financial products held by a user from an external server,
Based on the information received from the external server, the figure of the financial product held by the user is graphically represented, the graphic part having a movable holding quantity indicator, and the cash amount or cash equivalent of the user account Means for graphically representing the evaluation amount and generating and displaying a screen including a cash graphic part having a movable cash indicator;
Means for accepting an operation for moving the possession amount indicator in one direction as an operation for selling the financial product according to the graphic unit;
Means for accepting an operation for moving the holding amount indicator in another direction as a purchase operation for a financial product according to the graphic part;
Means for moving the cash indicator in conjunction with the movement of the holding amount indicator. In a communication terminal device that receives and displays information relating to the amount of financial products held by a user from an external server,
Based on the information received from the external server, the figure of the financial product held by the user is graphically represented, the graphic part having a movable holding quantity indicator, and the cash amount or cash equivalent of the user account Means for graphically representing the evaluation amount and generating and displaying a screen including a cash graphic part having a movable cash indicator;
Means for moving the holding indicator in the direction of expanding the graphic range of the cash graphic part, when receiving an operation of moving the holding amount indicator in a direction of decreasing the graphic range of the graphic part;
And a means for moving the cash indicator in a direction to decrease the graphic range of the cash graphic part when an operation for moving the holding amount indicator in a direction to expand the graphic range of the graphic part is received. A characteristic communication terminal device. Based on the amount of movement of the holding amount indicator by operation, comprising means for specifying the amount of movement of the cash indicator,
The communication terminal device according to claim 9 or 10, wherein the cash indicator is moved by the specified movement amount. Means for specifying the amount of the financial product according to the amount of movement of the holding amount indicator when the holding amount indicator is moved by operation;
The communication terminal device according to claim 9, further comprising: a unit that performs processing for storing the amount of the identified financial product.   The communication terminal device according to any one of claims 9 to 12, wherein when the user has a plurality of financial products, a plurality of the graphic parts are displayed. In a communication terminal device that receives and displays information related to the amount of financial products held by a user from an external server,
Based on the information received from the external server, the amount of financial products held by the user is graphically represented, and a plurality of graphic parts having movable possession amount indicators are provided for each of the plurality of financial products. Means for generating and displaying a screen including
Means for setting another financial product linked to one financial product among the plurality of financial products;
Means for accepting, as a sale operation for the one financial product, an operation for moving the holding amount indicator of the one graphic unit corresponding to the one financial product in one direction;
Means for accepting, as a purchase operation for the one financial product, an operation for moving the possession amount indicator of the one graphic unit according to the one financial product in the other direction;
A communication terminal device comprising: means for moving a holding amount indicator of another graphic unit corresponding to the other financial product in conjunction with movement of the holding amount indicator of the one graphic unit. In a communication terminal device that receives and displays information related to the amount of financial products held by a user from an external server,
Based on the information received from the external server, the amount of financial products held by the user is graphically represented, and a plurality of graphic parts having movable possession amount indicators are provided for each of the plurality of financial products. Means for generating and displaying a screen including
Means for setting another financial product linked to one financial product among the plurality of financial products;
When an operation of moving the possession amount indicator of one graphic unit corresponding to the one financial product in a direction to decrease the graphic range of the one graphic unit is received, the other graphic corresponding to the other financial product Means for moving the holding amount indicator of the other graphic part in the direction of expanding the graphic range of the part;
When an operation to move the holding amount indicator of one graphic unit corresponding to the one financial product in the direction of expanding the graphic range of the one graphic unit is received, the other graphic corresponding to the other financial product Means for moving the possession amount indicator of the other graphic part in a direction of decreasing the graphic range of the part. Based on the amount of movement of the possession amount indicator of the one graphic part by operation, comprising means for specifying the amount of movement of the possession amount indicator of the other graphic part,
The communication terminal device according to claim 14 or 15, wherein a holding amount indicator of the other graphic part is moved by the specified movement amount. Means for identifying the amount of one financial product according to the amount of movement of the possession amount indicator of the one graphic part when the possession amount indicator of the one graphic part is moved by operation;
The communication terminal device according to any one of claims 14 to 16, further comprising: a unit that performs processing for storing the amount of the specified one financial product and the other financial product.   The communication terminal device according to any one of claims 13 to 17, wherein each possession amount indicator of the plurality of graphic units can be independently moved. When the holding amount indicator is moved by operation, means for specifying the amount of the financial product according to the movement amount of the holding amount indicator;
The communication terminal device according to any one of claims 9 to 18, further comprising: means for displaying the specified amount. A communication terminal device that generates and displays a web page screen including information related to the amount of financial products held by the user based on screen data transmitted from the external server in response to access to the external server In
Graphically represents the amount of financial products held by the user from an external server, and graphically shows the graphic part having a movable amount indicator, and the amount of cash in the user account or the value of cash equivalents. When a screen data related to a web page screen including a cash graphic part having a movable cash indicator is received, a web page screen including the graphic part and the cash graphic part is generated based on the received screen data. And display means,
Means for accepting an operation for moving the possession amount indicator in one direction as an operation for selling the financial product according to the graphic unit;
Means for accepting an operation for moving the holding amount indicator in another direction as a purchase operation for a financial product according to the graphic part;
Means for moving the cash indicator in conjunction with the movement of the holding amount indicator. A communication terminal device that generates and displays a web page screen including information related to the amount of financial products held by the user based on screen data transmitted from the external server in response to access to the external server In
Graphically represents the amount of financial products held by the user from an external server, and graphically shows the graphic part having a movable amount indicator, and the amount of cash in the user account or the value of cash equivalents. When a screen data related to a web page screen including a cash graphic part having a movable cash indicator is received, a web page screen including the graphic part and the cash graphic part is generated based on the received screen data. And display means,
A web page screen in a state where the cash indicator is moved in the direction of enlarging the graphic range of the cash graphic part when the operation of moving the holding amount indicator in the direction of decreasing the graphic range of the graphic part is accepted. Means for generating and displaying
A web page screen in a state where the cash indicator is moved in the direction of decreasing the graphic range of the cash graphic part when the operation of moving the holding amount indicator in the direction of expanding the graphic range of the graphic part is accepted. Means for generating and displaying the communication terminal device. Communication that generates and displays a web page screen containing information related to the amount of financial products held by the user based on screen data transmitted from the external server in response to access to the external server In the terminal device,
A web page screen that graphically represents the amount of financial products held by the user from an external server, and includes a plurality of graphic parts having movable possession amount indicators in accordance with each of the plurality of financial products. Means for generating and displaying a web page screen including a plurality of graphic parts based on the received screen data when receiving the screen data;
Means for setting another financial product linked to one financial product among the plurality of financial products;
Means for accepting, as a sale operation for the one financial product, an operation for moving the holding amount indicator of the one graphic unit corresponding to the one financial product in one direction;
Means for accepting, as a purchase operation for the one financial product, an operation for moving the possession amount indicator of the one graphic unit according to the one financial product in the other direction;
A communication terminal device comprising: means for moving a holding amount indicator of another graphic unit corresponding to the other financial product in conjunction with movement of the holding amount indicator of the one graphic unit. Communication that generates and displays a web page screen containing information related to the amount of financial products held by the user based on screen data transmitted from the external server in response to access to the external server In the terminal device,
A web page screen that graphically represents the amount of financial products held by the user from an external server, and includes a plurality of graphic parts having movable possession amount indicators in accordance with each of the plurality of financial products. Means for generating and displaying a web page screen including a plurality of graphic parts based on the received screen data when receiving the screen data;
Means for setting another financial product linked to one financial product among the plurality of financial products;
When an operation of moving the possession amount indicator of one graphic unit corresponding to the one financial product in a direction to decrease the graphic range of the one graphic unit is received, the other graphic corresponding to the other financial product Means for generating and displaying a web page screen in a state in which the holding amount indicator of the other graphic part is moved in the direction of expanding the graphic range of the part;
When an operation to move the holding amount indicator of one graphic unit corresponding to the one financial product in the direction of expanding the graphic range of the one graphic unit is received, the other graphic corresponding to the other financial product Means for generating and displaying a web page screen in a state in which the holding amount indicator of the other graphic part is moved in the direction of decreasing the graphic range of the part. In a method in which a communication terminal apparatus receives and displays information on the amount of financial products held by a user from an external server,
The communication terminal device
Based on the information received from the external server, the figure of the financial product held by the user is graphically represented, the graphic part having a movable holding quantity indicator, and the cash amount or cash equivalent of the user account A step of generating and displaying a screen including a cash graphic part having a movable cash indicator while representing the evaluation amount graphically;
When the operation of moving the holding amount indicator in a direction to decrease the graphic range of the graphic part is received, the cash indicator is moved in a direction to expand the graphic range of the cash graphic part;
And moving the cash indicator in a direction to decrease the graphic range of the cash graphic part when an operation of moving the holding amount indicator in a direction to expand the graphic range of the graphic part is received. A method for displaying information related to the amount of financial product possessed by a user. In the method in which the communication terminal apparatus receives and displays information related to the amount of the plurality of financial products held by the user from an external server,
Communication terminal device
Based on the information received from the external server, the amount of financial products held by the user is graphically represented, and a plurality of graphic parts having movable possession amount indicators are provided for each of the plurality of financial products. Generating and displaying a screen including:
Setting other financial products to be linked to one of the plurality of financial products;
When an operation of moving the possession amount indicator of one graphic unit corresponding to the one financial product in a direction to decrease the graphic range of the one graphic unit is received, the other graphic corresponding to the other financial product Moving the holding amount indicator of the other graphic part in a direction to enlarge the graphic range of the part;
When an operation to move the holding amount indicator of one graphic unit corresponding to the one financial product in the direction of expanding the graphic range of the one graphic unit is received, the other graphic corresponding to the other financial product Moving the holding amount indicator of the other graphic part in a direction of decreasing the graphic range of the part. A method for displaying information related to the financial product holding amount of the user. In a computer program for causing a computer having a communication function to perform processing for receiving and displaying information on the amount of financial products held by a user from an external server,
In the computer,
Based on the information received from the external server, the figure of the financial product held by the user is graphically represented, the graphic part having a movable holding quantity indicator, and the cash amount or cash equivalent of the user account A step of generating and displaying a screen including a cash graphic part having a movable cash indicator while representing the evaluation amount graphically;
When the operation of moving the holding amount indicator in a direction to decrease the graphic range of the graphic part is received, the cash indicator is moved in a direction to expand the graphic range of the cash graphic part;
When the operation of moving the holding amount indicator in the direction of enlarging the graphic range of the graphic part is received, the step of moving the cash indicator in the direction of decreasing the graphic range of the cash graphic part is performed. A computer program characterized by the above. In a computer program for causing a computer having a communication function to perform processing for receiving and displaying information relating to the possessed amount of a plurality of financial products owned by a user from an external server,
In the computer,
Based on the information received from the external server, the amount of financial products held by the user is graphically represented, and a plurality of graphic parts having movable possession amount indicators are provided for each of the plurality of financial products. Generating and displaying a screen including:
Setting other financial products to be linked to one of the plurality of financial products;
When an operation of moving the possession amount indicator of one graphic unit corresponding to the one financial product in a direction to decrease the graphic range of the one graphic unit is received, the other graphic corresponding to the other financial product Moving the holding amount indicator of the other graphic part in a direction to enlarge the graphic range of the part;
When an operation to move the holding amount indicator of one graphic unit corresponding to the one financial product in the direction of expanding the graphic range of the one graphic unit is received, the other graphic corresponding to the other financial product And a step of moving the possession amount indicator of the other graphic part in a direction of decreasing the graphic range of the graphic part.

Images