JP7077468B2 - Information processing equipment, information processing methods and information processing programs - Google Patents

Description

The present invention relates to an information processing apparatus, an information processing method and an information processing program.

Conventionally, a technique has been disclosed for recording the sale price in an account on a future date and allocating the deposits and savings deposited on the future date to the purchase price of securities and the like before the actual deposit.

JP-A-2002-169964

However, the above-mentioned conventional technique has a function that the deposit / savings account accepts deposits at a future date, and when the deposit / savings person places a buy order for securities or the like, the deposit / savings deposited at the future date is before the actual deposit. It is nothing more than allocating to the purchase price of securities. Normally, when selling a financial product such as an investment trust (investment trust: fund), the price is paid on the delivery date two business days (for example, four days) or later from the sale completion date (contract date), so the user. There is a problem that it is inconvenient for (customers). In particular, in the case of investment trusts, the base price may be determined around 18:00 on the day of the investment trust, and in the past, it was not considered to pay the cancellation price on the same day (prepayment) on the cancellation application date. We would like to solve such problems and realize that at least a part of the cancellation fee is paid to the user before the normal delivery date (for example, on the same day).

The present application has been made in view of the above, and an object thereof is to pay at least a part of the sale price to the user before the normal delivery date in the delivery of the sale price of the financial instrument.

The information processing device according to the present application is an information processing device managed by a financial institution involved in the sale and purchase of a financial product that requires a predetermined number of days from the application for sale to the delivery of the sale price, and is a user who owns the financial product. From the reception department that accepts the application for sale of the financial product, and in response to the application for sale of the financial product, the provisional sale price is calculated based on the unit price of the financial product before the normal delivery date, and then the provisional sale price is calculated. A calculation unit that calculates the final sale price of the financial instrument and a predetermined amount based on the provisional sale price are transferred from the predetermined account to the user's account prior to the normal delivery date, and then the said. It is characterized by including a payment processing unit that transfers the difference between the fixed sale price and the predetermined amount from the predetermined account to the user's account.

According to one aspect of the embodiment, in the delivery of the sale price of the financial instrument, at least a part of the sale price can be paid to the user before the normal delivery date.

FIG. 1 is an explanatory diagram showing an outline of an information processing method according to an embodiment. FIG. 2 is a diagram showing an example of a scheme in which a sales company pays in advance. FIG. 3 is a diagram showing an example of a scheme in which a trustee bank pays in advance. FIG. 4 is a diagram showing a configuration example of an information processing system according to an embodiment. FIG. 5 is a diagram showing a configuration example of the information processing apparatus according to the embodiment. FIG. 6 is a diagram showing an example of a user information database. FIG. 7 is a diagram showing an example of a user information database. FIG. 8 is a flowchart showing a processing procedure according to the embodiment. FIG. 9 is a diagram showing an example of a hardware configuration.

Hereinafter, an information processing apparatus, an information processing method, and an embodiment for implementing an information processing program (hereinafter referred to as “embodiment”) according to the present application will be described in detail with reference to the drawings. Note that this embodiment does not limit the information processing apparatus, information processing method, and information processing program according to the present application. Further, in the following embodiments, the same parts are designated by the same reference numerals, and duplicate explanations are omitted.

[1. Overview of information processing method]
First, with reference to FIG. 1, an outline of an information processing method performed by the information processing apparatus according to the embodiment will be described. FIG. 1 is an explanatory diagram showing an outline of an information processing method according to an embodiment. In FIG. 1, in the delivery of the sale price of a financial product, a case where at least a part of the sale price is paid to the user before the normal delivery date (for example, on the same day) will be described as an example.

As shown in FIG. 1, the information processing system 1 includes a terminal device 10 and a payment device 100. The terminal device 10 and the payment device 100 are connected to each other via a network N (see FIG. 4) so as to be able to communicate with each other by wire or wirelessly.

The terminal device 10 is a smart device such as a smartphone or tablet used by the user U (user), and communicates with an arbitrary server device via a wireless communication network such as 4G (Generation) or LTE (Long Term Evolution). It is a portable terminal device capable of performing. Further, the terminal device 10 is a screen of a liquid crystal display or the like and has a screen having a touch panel function, and the user can use a finger, a stylus, or the like to perform a tap operation, a slide operation, a scroll operation, or the like for display data such as contents. Accepts various operations. The operation performed on the area of the screen on which the content is displayed may be an operation on the content. Further, the terminal device 10 may be not only a smart device but also an information processing device such as a desktop PC (Personal Computer) or a notebook PC.

The price payment device 100 is an information processing device involved in the buying and selling of an investment trust (investment trust: fund), and when a user U accepts a cancellation application (sale application) of the investment trust, a predetermined timing (the day, the day before, etc.) ) With an information processing device that calculates the cancellation price (sale price) based on the base price of the investment trust and pays at least a part of the cancellation price to the user U before the normal delivery date (for example, on the same day). be. The price payment device 100 is realized by a server device, a cloud system, or the like. The cancellation fee is paid by, for example, online internet banking or electronic payment. The investment trust is an investment trust held by the user U and requires a predetermined number of days (for example, 2 business days) from the application for cancellation to the delivery of the cancellation price. In addition, the base price of the investment trust is determined at the specified time on the day (for example, around 18:00 on the day). Further, the payment of the cancellation fee may be, for example, a replacement of the cancellation fee or a loan of an amount corresponding to the cancellation fee.

Investment trusts are just one example of financial products. Actually, it is not limited to investment trusts and may be other financial products. The base price indicates the unit price of a financial product.

[1-1. basic action〕
For example, as shown in FIG. 1, the user U operates the terminal device 10 to apply to the payment device 100 for cancellation of the investment trust held by the user U (step S1). The investment trust usually takes a predetermined number of days from the application for cancellation to the delivery of the cancellation price. In addition, the base price of the investment trust is determined at the specified time on the day.

Subsequently, the price payment device 100 responds to the cancellation application of the investment trust from the user U, based on information such as the reference price of the investment trust at a predetermined timing (the day, the day before, etc.) and the price transition in the market. Then, the provisional cancellation price of the investment trust is calculated (step S2). The provisional cancellation price may be the estimated price of the investment trust. Further, the price payment device 100 may calculate the provisional cancellation price of the investment trust by using an algorithm for predicting / estimating the price of the investment trust, a learning model, AI (Artificial Intelligence) or the like.

Subsequently, the payment device 100 transfers a predetermined amount based on the calculated provisional cancellation price from the predetermined account to the user's account before the normal delivery date (for example, on the same day) (step S3). ). For example, the payment device 100 gives an instruction to transfer a predetermined amount based on the calculated provisional cancellation price from the account of the company (the company operating the payment device 100) to the user's account. Send (output) to the server device of a financial institution such as a bank that manages the account. In this way, the price payment device 100 shortens the lead time from the application for cancellation of the investment trust to the delivery of the cancellation price.

After that (for example, at a later date), the price payment device 100 calculates the final cancellation price of the investment trust based on the fixed reference price of the investment trust (step S4).

Subsequently, if there is a difference (difference) between the predetermined amount based on the provisional cancellation price and the final cancellation price, the payment device 100 transfers the amount corresponding to the difference from the predetermined account to the user's account. Transition (step S5). For example, the payment device 100 gives an instruction to transfer the amount corresponding to the above difference from the account of the company (the company operating the payment device 100) to the user's account, such as a bank that manages the account. Send (output) to the server device of the financial institution. If there is no difference, it is not necessary to transfer from the predetermined account to the user's account.

[1-2. Scheme 1: Scheme to pay in advance at the sales company]
Next, with reference to FIG. 2, a scheme will be described in which a sales company (sales company) that sells an investment trust pays the amount equivalent to the cancellation price in advance when the user U accepts the cancellation application of the investment trust. FIG. 2 is a diagram showing an example of a scheme in which a sales company pays in advance. In the example of FIG. 2, the sales company is a company that operates the payment device 100. Further, in FIG. 2, the timing of performing each process is represented in chronological order for each unit period t. Here, the unit period t is a business day.

As shown in FIG. 2, the user U operates the terminal device 10 in the unit period t, applies to the sales company for cancellation of the investment trust (brand) purchased by the user U, and benefits from the benefits. Request the purchase of the right (step S11).

The price payment device 100 operated by the sales company performs cancellation processing in response to the cancellation application of the investment trust from the user U in the unit period t, and also within the same unit period t (on the same day), the user U. The beneficiary right is purchased in response to a purchase request for the beneficiary right of the investment trust (the right of the beneficiary to receive profits such as investment trust management income), and the purchase price of the beneficiary right is paid as consideration (step S12). .. The purchase price of this beneficiary right corresponds to the provisional cancellation price. At this time, the price payment device 100 calculates the purchase price of the beneficiary right based on information such as the reference price of the investment trust, the price transition in the market, and the number of units of the investment trust canceled by the user U. Then, the price payment device 100 transfers a predetermined amount based on the purchase price of the beneficiary right from the account of the sales company to the account of the user U. User U receives a predetermined amount based on the purchase price of the beneficiary right from the sales company as a provisional cancellation price. That is, the sales company reimburses a part of the cancellation price and pays the user U in the form of a part of the purchase price of the beneficiary right of the investment trust. The price payment device 100 operated by the sales company may be a server device or the like of the sales company.

The trustee company instructs the trustee bank, which makes decisions and paperwork regarding the investment trust (fund), to cancel the investment trust in response to the cancellation process of the investment trust at the sales company during the unit period t. (Step S13). The processing performed by the consignment company shall be executed by the server equipment, etc. of the consignment company.

The trust bank is just one example. For example, in the case of a trustee-directed investment trust, the entities that make decisions and perform paperwork regarding the fund include a sales company, a trustee company, and a trustee bank (a retrust trustee bank that handles paperwork under consignment from a trustee bank). ) May be used. In this embodiment, as shown in the figure, a trustee bank will be described as an example.

The trustee bank calculates the cancellation price by applying the reference price of the investment trust in the unit period t (step S14). This cancellation price corresponds to the final cancellation price. The processing performed by the trustee bank shall be executed by the server device, etc. of the trustee bank.

The trustee bank withdraws the principal of the user U from the account of the fund based on the fixed cancellation price in the unit period t + 1 (next day) (step S15). At this time, if the fixed cancellation price exceeds the principal of the user U, the excess amount is added (increased) to the principal of the user U as a profit and then withdrawn. On the contrary, if the fixed cancellation price is less than the principal of the user U, the shortfall is deducted (reduced) from the principal of the user U as a loss and then withdrawn.

The trustee bank delivers the withdrawn principal of the user U to the sales company in the unit period t + x (delivery date) (step S16). For example, the trustee bank transfers the withdrawn principal of the user U from the fund account to the sales company account.

The payment device 100 operated by the sales company receives the principal of the user U from the fund account in the unit period t + x (delivery date) (step S17). For example, the payment device 100 confirms that the principal of the user U has been transferred from the account of the fund to the account of the sales company. Alternatively, you will receive a notification that you have migrated. The sales company receives the principal of the user U based on the beneficiary right purchased from the user U. At this time, if the principal of the user U exceeds the predetermined amount based on the purchase price paid to the user U, the sales company pays the difference to the user U. That is, the difference is transferred from the account of the sales company to the account of the user U.

[1-3. Scheme 2: Scheme to pay in advance at the trust bank]
Next, with reference to FIG. 3, a scheme will be described in which the trust bank that manages the funds related to the investment trust pays the amount equivalent to the cancellation price in advance when the user U accepts the cancellation application of the investment trust. FIG. 3 is a diagram showing an example of a scheme in which a trustee bank pays in advance. In the example of FIG. 3, the trust bank is a company that operates the payment device 100. Further, in FIG. 3, the timing of performing each process is represented in chronological order for each unit period t. Here, the unit period t is a business day.

As shown in FIG. 3, the user U operates the terminal device 10 in the unit period t and applies to the sales company for cancellation of the investment trust (brand) that he / she is purchasing (step S21). ).

The sales company performs the cancellation process in response to the cancellation application of the investment trust from the user U in the unit period t (step S22). The processing performed by the sales company shall be executed by the server device or the like of the sales company.

The trustee company instructs the trustee bank, which makes decisions and paperwork regarding the investment trust (fund), to cancel the investment trust in response to the cancellation process of the investment trust at the sales company during the unit period t. (Step S23). The processing performed by the consignment company shall be executed by the server equipment, etc. of the consignment company.

The price payment device 100 operated by the trust bank calculates the cancellation price by applying the reference price of the investment trust in the unit period t (step S24). For example, the price payment device 100 operated by the trust bank applies the reference price of the day before the investment trust to calculate the provisional cancellation price. After that, the price payment device 100 operated by the trust bank applies the reference price of the day of the investment trust to calculate the final cancellation price. However, in reality, the payment device 100 operated by the trust bank may not calculate the provisional cancellation price, but may calculate only the final cancellation price. The payment device 100 operated by the trust bank may be a server device or the like of the trust bank.

At this time, the payment device 100 operated by the trust bank lends a predetermined amount to the fund's account based on the calculated cancellation price in the unit period t, and the predetermined amount is lent to the fund's account. The amount of money is transferred to the account of the user U via the account of the sales company (step S25). Lending to the fund's account or transferring a predetermined amount from the fund account to the user U's account is not an act that falls under the so-called "loan" under the Money Lending Business Act, but the cancellation fee or the amount equivalent to the cancellation fee. Made as a payment. Therefore, there is no interest rate on the loan here. However, it is assumed that the fund will borrow from the trustee bank for lending to the fund's account. There is an interest rate on the borrowing. Here, the price payment device 100 lends a predetermined amount based on the provisional cancellation price. In reality, the payment device 100 may lend a predetermined amount based on the fixed cancellation price instead of the provisional cancellation price. At this time, the payment device 100 transfers a predetermined amount based on the calculated cancellation price from the account of the trust bank to the account of the fund as a loan to the fund, and from the account of the fund via the account of the sales company. Transfer to user U's account. In this way, the user U receives the loan from the trustee bank to the fund via the sales company. That is, in the form of lending, the trust bank reimburses a part of the cancellation fee and pays it to the user U. In addition, "lending" may be simply read as "advance payment" or "temporary payment".

Further, the payment device 100 operated by the trust bank deducts the principal of the user U from the account of the fund based on the fixed cancellation price in the unit period t + 1 (next day) (step S26). At this time, if the fixed cancellation price exceeds the principal of the user U, the payment device 100 operated by the trust bank adds (increases) the excess to the principal of the user U as a profit. And then withdraw. On the contrary, if the fixed cancellation price is less than the principal of the user U, the shortfall is deducted (reduced) from the principal of the user U as a loss and then withdrawn.

The payment device 100 operated by the trust bank delivers the amount equivalent to the loan to the fund to the trust bank in the unit period t + x (delivery date) using the principal of the withdrawn user U as a source of funds. (Step S27). For example, the payment device 100 operated by the trust bank transfers the amount of the withdrawn principal of the user U corresponding to the loan to the fund from the fund account to the trust bank account. At this time, if the principal of the user U exceeds the loan to the fund, the payment device 100 operated by the trust bank pays the difference to the user U. That is, the difference is transferred from the fund account to the user U account via the sales company account.

The payment device 100 operated by the trust bank receives an amount equivalent to the loan to the fund from the trust bank in the unit period t + x (delivery date), and collects the loan to the fund (step S28). For example, the payment device 100 confirms that the amount equivalent to the loan to the fund has been transferred from the fund account to the trust bank account. Alternatively, you will receive a notification that you have migrated. As a result, the trustee bank collects the loan to the fund.

[1-4. Same-day payment pattern]
Here, an example of the same-day payment (prepayment) pattern will be described.

For example, the price payment device 100 calculates the cancellation price based on the reference price on the day of the cancellation application in response to the cancellation application of the investment trust from the user U, and pays the cancellation price on the same day. If the base price on the day is decided around 18:00 on the day, the cancellation fee may be paid at night on the day. When online, the amount paid will be immediately reflected in your account. As soon as the user U confirms the payment to his / her own account, he / she places an order to purchase a new investment trust using the deposited amount and gives an instruction to withdraw to another account (bank account, etc.) of his / her own. be able to. Further, the payment device 100 does not pay the entire amount of the calculated cancellation price on the same day, but first pays a predetermined ratio (for example, 70% or 80% of the cancellation price) of the calculated cancellation price on the same day, and at a later date, The difference from the fixed cancellation fee may be paid again.

Alternatively, the payment device 100 calculates the provisional cancellation price based on the base price on the day before the cancellation application date in response to the cancellation application of the investment trust from the user U, and the predetermined ratio of the calculated provisional cancellation price. Pay the same day. In this case, the difference from the fixed cancellation fee will be paid at a later date. This enables immediate payment immediately after cancellation. The predetermined ratio may be fixed (for example, 80%) or may be calculated from statistics. However, if the base price on the day drops significantly, it will be a risk for the rebuilt business operator. Therefore, the predetermined ratio is determined according to the risk tolerance of the business operator. In reality, an amount equivalent to the base price on the previous day may be paid. That is, the predetermined ratio may be 100%.

Alternatively, the payment device 100 pays the base price up to the day before the cancellation application date and the provisional cancellation price predicted from the market on the same day in response to the cancellation application of the investment trust from the user U. Here, the price payment device 100 calculates the provisional cancellation price based on the history of the base price up to the day before the cancellation application date and the price transition in the market. For example, the payment device 100 calculates a provisional cancellation price based on the base price for the most recent week on the cancellation application date and the amount of increase or decrease in the base price. In this case, the difference from the fixed cancellation fee will be paid at a later date. This enables immediate payment immediately after cancellation. The price payment device 100 is calculated by multiplying the standard price by adding the amount of increase and decrease of the market from the statistics.

Same-day payment is just one example. Actually, the payment is not limited to the same day, but may be paid on the day before the normal delivery date. That is, not only on the day when the cancellation application of the investment trust is received from the user U, but also within a period shorter than the predetermined number of days required from the cancellation application of the investment trust to the delivery of the cancellation price. You may do it. For example, the payment device 100 normally takes four days from the application for cancellation of the investment trust to the delivery of the cancellation price, but a predetermined amount based on the cancellation price calculated within two days is transferred from a predetermined account. It may be transferred to the user's account. In this way, it is not limited to the day when the payment processing (transfer processing) of the amount equivalent to the cancellation fee from the predetermined account to the user's account is performed, but it is set to the day before the normal delivery date. It is optional.

As described above, in the present embodiment, in the delivery of the cancellation price of the investment trust, the cancellation price is calculated twice, the provisional cancellation price and the final cancellation price, and from the normal delivery date based on the provisional cancellation price. Also pays at least a part of the cancellation price to the user before, and then pays the difference based on the confirmed cancellation price. In particular, in the case of investment trusts, since the base price is determined around 18:00 on the day, it has not been considered in the past to pay the cancellation price on the same day as the cancellation application date. According to this embodiment, even an investment trust whose base price is fixed at a specified time on the day, such as an investment trust, can pay at least a part of the cancellation price on the same day.

[2. Information processing system configuration example]
Next, the configuration of the information processing system 1 including the payment device 100 according to the embodiment will be described with reference to FIG. FIG. 4 is a diagram showing a configuration example of the information processing system 1 according to the embodiment. As shown in FIG. 4, the information processing system 1 according to the embodiment includes a terminal device 10 and a payment device 100. These various devices are connected so as to be communicable by wire or wirelessly via the network N. The network N is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet.

Further, the number of each device included in the information processing system 1 shown in FIG. 4 is not limited to that shown in the figure. For example, in FIG. 4, for simplification of the illustration, only one terminal device 10 is shown, but this is merely an example and is not limited, and may be two or more.

The terminal device 10 is an information processing device used by the user U. For example, the terminal device 10 is a smart device such as a smartphone or tablet terminal, a feature phone, a PC (Personal Computer), a PDA (Personal Digital Assistant), a car navigation system, a wearable device such as a smart watch or a head-mounted display (Wearable Device). , Smart glasses, etc.

Further, the terminal device 10 includes a wireless communication network such as LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation: 5th generation mobile communication system), Bluetooth (registered trademark), and wireless LAN (Local). It is possible to connect to the network N via short-range wireless communication such as Area Network) and communicate with the payment device 100.

The payment device 100 is, for example, a PC, a server device, a mainframe, a workstation, or the like. The price payment device 100 may be realized by cloud computing.

[3. Configuration example of information processing device]
Next, the configuration of the price payment device 100 according to the embodiment will be described with reference to FIG. FIG. 5 is a diagram showing a configuration example of the price payment device 100 according to the embodiment. As shown in FIG. 5, the payment device 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

(Communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. Further, the communication unit 110 is connected to the network N (see FIG. 4) by wire or wirelessly.

(Memory unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. As shown in FIG. 5, the storage unit 120 has a user information database 121 and a cancellation information database 122.

(User information database 121)
The user information database 121 stores various information about the user U. For example, the user information database 121 stores various information such as the attributes of the user U. FIG. 6 is a diagram showing an example of the user information database 121. In the example shown in FIG. 6, the user information database 121 has items such as "user ID (Identifier)", "age", "gender", "home", "work location", and "account ID".

The "user ID" indicates identification information for identifying the user U. Further, "age" indicates the age of the user U identified by the user ID. The "age" may be a specific age of the user U identified by the user ID, for example, 35 years old. Further, "gender" indicates the gender of the user U identified by the user ID.

Further, "home" indicates the location information of the home of the user U identified by the user ID. In the example shown in FIG. 6, "home" is illustrated with an abstract reference numeral such as "LC11", but may be latitude / longitude information or the like. Further, for example, "home" may be a region name or an address.

Further, the "work location" indicates the location information of the work location (school in the case of a student) of the user U identified by the user ID. In the example shown in FIG. 6, the "work location" is illustrated with an abstract code such as "LC12", but may be latitude / longitude information or the like. Further, for example, the "work location" may be a region name or an address.

Further, the "account ID" indicates identification information for identifying the account used for the transaction of the investment trust of the user U identified by the user ID. For example, the "account ID" may be a store number, an account number, a contractor number, or the like. In the example shown in FIG. 6, one "account ID" is shown for each user U, but there may be a plurality of "account IDs".

For example, in the example shown in FIG. 6, the age of the user U identified by the user ID "U1" is "20's", and the gender is "male". Further, for example, the user U identified by the user ID "U1" indicates that the home is "LC11". Further, for example, the user U identified by the user ID "U1" indicates that the work location is "LC12". Further, for example, the user U identified by the user ID "U1" indicates that he / she is using the account identified by the account ID "account # 1".

Here, in the example shown in FIG. 6, abstract values such as “U1”, “LC11”, “LC12”, and “account # 1” are used for illustration, but “U1”, “LC11”, and “LC12”. And, information such as specific character strings and numerical values shall be stored in "Account # 1". Hereinafter, abstract values may be illustrated also in figures relating to other information.

The user information database 121 is not limited to the above, and various information may be stored depending on the purpose. For example, the user information database 121 may store various information about the terminal device 10 of the user U. In addition, the user information database 121 includes demographics (demographic attributes), psychographics (psychological attributes), geographics (geographical attributes), behavioral attributes (behavioral attributes), etc. of the user U. Information about the attribute may be stored. For example, the user information database 121 includes name, family structure, place of origin (local), occupation, position, income, qualification, living style (detached house, apartment, etc.), presence or absence of a car, commuting time, commuting to school / commuting. Memorize information such as routes, commuter pass sections (stations, routes, etc.), frequently used stations (other than the nearest station to your home / work location), lessons (location, time zone, etc.), hobbies, interests, lifestyle, etc. You may.

(Cancellation information database 122)
The cancellation information database 122 stores various information regarding the cancellation of the investment trust held by the user U. FIG. 7 is a diagram showing an example of the cancellation information database 122. In the example shown in FIG. 7, the cancellation information database 122 has a "user ID", a "cancellation application date", an "investment trust ID", a "unit number", a "base price", a "provisional price", and a "payment amount". , "Fixed price", "Difference" and so on.

The "user ID" indicates identification information for identifying the user U. The "cancellation application date" indicates the date on which the cancellation application for the investment trust (fund) held by the user U is made. Further, the “investment trust ID” indicates identification information for identifying the investment trust for which the user U has applied for cancellation. The “number of units” indicates the number of investment trusts for which the user U has applied for cancellation. Further, the "base price" indicates the base price of the investment trust for which the user U has applied for cancellation. In the present embodiment, the "base price" is at least one (or both) of the base price of the previous day and the base price of the day. The “provisional price” indicates the provisional cancellation price calculated based on the reference price of the investment trust. The "payment amount" indicates a predetermined amount based on the provisional cancellation price. For example, the "payment amount" indicates an amount of a predetermined ratio of the provisional cancellation price (for example, 70% or 80% of the cancellation price). The “fixed price” indicates the cancellation price calculated based on the reference price of the investment trust. Further, the "difference" indicates the difference between the above "fixed price" and the "payment amount".

For example, in the example shown in FIG. 7, the age of the user U identified by the user ID “U1” applies for cancellation of “investment trust # 1” and “number of units # 1” on “cancellation application date # 1”. Show that you have gone. In addition, the "payment amount # 1" based on the "provisional price # 1" calculated from the "base price # 1" of the "investment trust # 1" is paid before the normal delivery date, and the "fixed price # 1" is paid. After the "1" is confirmed, it indicates that the "difference # 1" will be paid.

The cancellation information database 122 is not limited to the above, and various information may be stored depending on the purpose. For example, the cancellation information database 122 may store information regarding a predetermined ratio to be multiplied by the provisional cancellation price in order to calculate the payment price. Further, the cancellation information database 122 may store information regarding the payment source account and the payment destination account.

(Control unit 130)
Returning to FIG. 5, the explanation will be continued. The control unit 130 is a controller, and is a payment device 100 by, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like. It is realized by executing various programs (corresponding to an example of an information processing program) stored in the internal storage device of the ASIC with a storage area such as a RAM as a work area. In the example shown in FIG. 5, the control unit 130 has a reception unit 131, a calculation unit 132, and a payment processing unit 133.

(Reception Department 131)
The reception unit 131 receives various information about the user U via the communication unit 110. At this time, the reception unit 131 may accept input or registration of various information about the user U from the terminal device 10 of the user U via the communication unit 110, and may receive various information about the user U from another server. It may be received from a device or the like. Then, the reception unit 131 stores various information about the user U in the user information database 121 of the storage unit 120.

Further, the reception unit 131 accepts an investment trust cancellation application from a user U who holds an investment trust (fund) that requires a predetermined number of days from the cancellation application to the delivery of the cancellation price via the communication unit 110. An investment trust is an example of a financial product. Then, the reception unit 131 stores various information regarding the cancellation of the investment trust in the cancellation information database 122 of the storage unit 120.

(Calculation unit 132)
The calculation unit 132 calculates the provisional cancellation price on the day of the application for cancellation of the investment trust based on the reference price of the investment trust at a predetermined timing (the day, the day before, etc.). In the present embodiment, the calculation unit 132 calculates the provisional cancellation price based on the reference price of the investment trust before the normal delivery date in response to the cancellation application of the investment trust. After that (for example, at a later date), the cancellation price of the investment trust is calculated. The standard price is an example of the unit price of a financial product.

For example, the calculation unit 132 calculates the provisional cancellation price based on the reference price determined on the day of the investment trust cancellation application. After that, the calculation unit 132 calculates the final cancellation price based on the reference price determined on the day of the investment trust cancellation application. In reality, the calculation unit 132 may calculate the final cancellation price based on the base price when the base price is determined on the day of the application for cancellation of the investment trust.

Alternatively, the calculation unit 132 calculates the provisional cancellation price based on the reference price on the day before the cancellation application of the investment trust. After that, the calculation unit 132 calculates the final cancellation price based on the reference price determined on the day of the investment trust cancellation application.

Alternatively, the calculation unit 132 calculates the provisional cancellation price on the day of the investment trust cancellation application based on the base price up to the day before the investment trust cancellation application and the price transition of the investment trust in the market. After that, the calculation unit 132 calculates the final cancellation price based on the reference price determined on the day of the investment trust cancellation application.

For example, the calculation unit 132 calculates the provisional cancellation price by adding the amount of increase or decrease in the price of the investment trust in the market to the base price up to the day before the application for cancellation of the investment trust.

(Payment processing unit 133)
The payment processing unit 133 transfers a predetermined amount based on the provisional cancellation price from the predetermined account to the account of the user U on the day of the application for cancellation of the investment trust via the communication unit 110. In the present embodiment, the payment processing unit 133 transfers a predetermined amount based on the provisional cancellation price from the predetermined account to the account of the user U before the normal delivery date. After that, the payment processing unit 133 transfers the difference between the fixed cancellation price and the predetermined amount from the predetermined account to the user U's account.

For example, if the payment processing unit 133 uses the base price on the day of the investment trust cancellation application to calculate the provisional cancellation price, the payment processing unit 133 will set a predetermined percentage of the provisional cancellation price on the night of the investment trust cancellation application. The amount is transferred from the predetermined account to the user U's account. After that, the payment processing unit 133 transfers the difference between the fixed cancellation price and the predetermined percentage amount from the predetermined account to the user U's account.

Alternatively, if the payment processing unit 133 uses the base price on the day before the investment trust cancellation application to calculate the provisional cancellation price, the payment processing unit 133 determines the amount of a predetermined percentage of the provisional cancellation price on the day of the investment trust cancellation application. Transfer from the account of the user U to the account of the user U. After that, the payment processing unit 133 transfers the difference between the fixed cancellation price and the predetermined percentage amount from the predetermined account to the user U's account.

Alternatively, if the payment processing unit 133 uses the standard price up to the day before the investment trust cancellation application to calculate the provisional cancellation price, the predetermined amount based on the provisional cancellation price on the day of the investment trust cancellation application. Is transferred from the predetermined account to the user U's account. After that, the payment processing unit 133 transfers the difference between the fixed cancellation price and the predetermined amount from the predetermined account to the user U's account.

For example, a predetermined account is an account of a sales company that sells investment trusts. Alternatively, the predetermined account is an account of a financial institution that manages funds related to investment trusts.

[4. Processing procedure]
Next, the processing procedure by the price payment device 100 according to the embodiment will be described with reference to FIG. FIG. 8 is a flowchart showing a processing procedure according to the embodiment. The processing procedure shown below is repeatedly executed by the control unit 130 of the payment device 100.

As shown in FIG. 8, the reception unit 131 of the payment device 100 receives the investment trust from the user U who holds the investment trust that requires a predetermined number of days from the cancellation application to the delivery of the cancellation price via the communication unit 110. Accept the cancellation application (step S101).

Subsequently, the calculation unit 132 of the price payment device 100 determines the provisional reference price of the investment trust for calculating the provisional cancellation price (step S102). For example, the calculation unit 132 determines the base price on the day before (or on the day of) the cancellation application date of the investment trust as the provisional base price.

Subsequently, the calculation unit 132 calculates the provisional cancellation price based on the provisional reference price of the investment trust before the normal delivery date in response to the investment trust cancellation application (step S103).

Subsequently, the payment processing unit 133 of the payment device 100 transfers a predetermined amount based on the provisional cancellation price from the predetermined account to the user U's account before the normal delivery date via the communication unit 110. (Step S104).

After transferring a predetermined amount based on the provisional cancellation price (for example, at a later date), the calculation unit 132 of the payment device 100 determines the final reference price of the investment trust for calculating the final cancellation price (step). S105). For example, the calculation unit 132 determines the base price on the day of the application for cancellation of the investment trust as the fixed base price.

Subsequently, the calculation unit 132 calculates the finalized cancellation price based on the fixed reference price of the investment trust (step S106).

Subsequently, the payment processing unit 133 of the payment device 100 transfers the difference between the fixed cancellation price and the predetermined amount based on the provisional cancellation price from the predetermined account to the user U's account via the communication unit 110. (Step S107). At this time, if the fixed cancellation price is larger than the predetermined amount based on the provisional cancellation price (when the difference is positive), the payment processing unit 133 will use the excess amount as the difference from the predetermined account to the user U. Transfer to an account. On the other hand, when the fixed cancellation price is less than the predetermined amount based on the provisional cancellation price (when the difference is negative), the payment processing unit 133 uses the shortfall as the difference from the user U's account to the predetermined account. To migrate to. That is, a negative amount as the difference is transferred from the predetermined account to the account of the user U.

[5. Modification example]
The terminal device 10 and the payment device 100 described above may be implemented in various different forms other than the above-described embodiment. Therefore, a modified example of the embodiment will be described below.

In the above embodiment, when the payment device 100 receives the cancellation application of the investment trust from the user U, the provisional reference price and the estimation of the provisional cancellation price are estimated before the provisional cancellation price is paid to the user U. The (predicted value) may be notified to the user U.

Further, in the above embodiment, when a sufficient amount of money is deposited in the investment trust account (asset management account) of the user U, the payment device 100 pays the full amount of the provisional cancellation price to the user U on the same day. You may. The sufficient amount is at least an amount that exceeds the expected fluctuation range of the standard price. Alternatively, the price payment device 100 may secure at least an amount corresponding to the expected fluctuation range of the standard price from the balance of the investment trust account of the user U as collateral in advance. Then, when the fixed cancellation price is less than the provisional cancellation price and a shortage occurs, the price payment device 100 may collect the shortage from the investment trust account of the user U.

[6. effect〕
As described above, the price payment device 100 according to the present application accepts an application for sale of the financial product from a user who holds a financial product (investment trust, etc.) that requires a predetermined number of days from the application for sale to the delivery of the sale price. In response to the reception department and the application for sale of the financial product, the provisional sale price is calculated based on the provisional unit price (base price, etc.) of the financial product before the normal delivery date, and then the financial product is financed. A calculation unit that calculates the final sale price based on the fixed unit price of the product, and a predetermined amount based on the provisional sale price before the normal delivery date is transferred from the predetermined account to the user's account. Then, it is provided with a payment processing unit that transfers the difference between the fixed sale price and the predetermined amount from the predetermined account to the user's account.

As a result, in the delivery of the sale price of financial products such as investment trusts, at least a part of the sale price can be paid to the user before the normal delivery date.

[7. Hardware configuration]
Further, the terminal device 10 and the payment device 100 according to the above-described embodiment are realized by, for example, a computer 1000 having a configuration as shown in FIG. Hereinafter, the payment device 100 will be described as an example. FIG. 9 is a diagram showing an example of a hardware configuration. The computer 1000 is connected to the output device 1010 and the input device 1020, and the arithmetic unit 1030, the primary storage device 1040, the secondary storage device 1050, the output I / F (Interface) 1060, the input I / F 1070, and the network I / F 1080 are bused. It has a form connected by 1090.

The arithmetic unit 1030 operates based on a program stored in the primary storage device 1040 or the secondary storage device 1050, a program read from the input device 1020, or the like, and executes various processes. The arithmetic unit 1030 is realized by, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like.

The primary storage device 1040 is a memory device such as a RAM (Random Access Memory) that temporarily stores data used by the arithmetic unit 1030 for various calculations. Further, the secondary storage device 1050 is a storage device in which data used by the calculation device 1030 for various calculations and various databases are registered, and is a ROM (Read Only Memory), an HDD (Hard Disk Drive), and an SSD (Solid). State Drive), flash memory, etc. The secondary storage device 1050 may be an internal storage or an external storage. Further, the secondary storage device 1050 may be a removable storage medium such as a USB memory or an SD (Secure Digital) memory card. Further, the secondary storage device 1050 may be a cloud storage (online storage), NAS (Network Attached Storage), a file server, or the like.

The output I / F 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various information such as a display, a projector, and a printer. For example, USB (Universal Serial Bus) or DVI. (Digital Visual Interface), HDMI (Registered Trademark) (High Definition Multimedia Interface), etc. Further, the input I / F 1070 is an interface for receiving information from various input devices 1020 such as a mouse, a keyboard, a keypad, a button, a scanner, and the like, and is realized by, for example, USB.

Further, the output I / F 1060 and the input I / F 1070 may be wirelessly connected to the output device 1010 and the input device 1020, respectively. That is, the output device 1010 and the input device 1020 may be wireless devices.

Further, the output device 1010 and the input device 1020 may be integrated like a touch panel. In this case, the output I / F 1060 and the input I / F 1070 may also be integrated as input / output I / F.

The input device 1020 is, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), or a tape. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like.

The network I / F 1080 receives data from another device via the network N and sends it to the arithmetic unit 1030, and also transmits the data generated by the arithmetic unit 1030 to the other device via the network N.

The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output I / F 1060 and the input I / F 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040, and executes the loaded program.

For example, when the computer 1000 functions as the payment device 100, the arithmetic unit 1030 of the computer 1000 realizes the function of the control unit 130 by executing the program loaded on the primary storage device 1040. Further, the arithmetic unit 1030 of the computer 1000 may load a program acquired from another device via the network I / F 1080 onto the primary storage device 1040 and execute the loaded program. Further, the arithmetic unit 1030 of the computer 1000 may cooperate with other devices via the network I / F 1080 to call the functions and data of the program from other programs of the other devices and use them.

[8. others〕
Although the embodiments of the present application have been described above, the present invention is not limited to the contents of these embodiments. Further, the above-mentioned components include those that can be easily assumed by those skilled in the art, those that are substantially the same, that is, those in a so-called equal range. Furthermore, the components described above can be combined as appropriate. Further, various omissions, replacements or changes of the components can be made without departing from the gist of the above-described embodiment.

Further, among the processes described in the above-described embodiment, all or a part of the processes described as being automatically performed can be manually performed, or the processes described as being manually performed can be performed. All or part of it can be done automatically by a known method. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the information shown in the figure.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of them may be functionally or physically distributed / physically in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

For example, the above-mentioned payment device 100 may be realized by a plurality of server computers, or may be realized by calling an external platform or the like by API (Application Programming Interface), network computing, or the like depending on the function. Can be changed flexibly.

Further, the above-described embodiments and modifications can be appropriately combined as long as the processing contents do not contradict each other.

Further, the above-mentioned "section, module, unit" can be read as "means" or "circuit". For example, the reception unit can be read as a reception means or a reception circuit.

1 Information processing system 10 Terminal device 100 Payment device 110 Communication unit 120 Storage unit 121 User information database 122 Cancellation information database 130 Control unit 131 Reception unit 132 Calculation unit 133 Payment processing unit

Claims (12)

An information processing device managed by a financial institution involved in the sale and purchase of financial products that requires a predetermined number of days from the application for sale to the delivery of the sale price.
The reception department that accepts applications for the sale of the financial product from the user who owns the financial product,
A calculation unit that calculates the provisional sale price based on the unit price of the financial product before the normal delivery date in response to the application for sale of the financial product, and then calculates the final sale price of the financial product. When,
Prior to the normal delivery date, the predetermined amount based on the provisional sale price is transferred from the predetermined account to the user's account, and then the difference between the final sale price and the predetermined amount is the predetermined amount. Payment processing department that transfers from the account of the user to the account of the user,
An information processing device characterized by being equipped with. The calculation unit calculates the provisional sale price based on the unit price before the determination time of the base price on the day of the financial instrument on the day of the application for sale of the financial product, and then calculates the provisional sale price on the day of the financial product. Calculate the final sale price based on the unit price after the base price determination time,
On the day of the application for sale of the financial instrument, the payment processing unit transfers a predetermined percentage of the provisional sale price from the predetermined account to the user's account, and then the fixed sale price and the said. The information processing apparatus according to claim 1, wherein the difference from the amount of money of a predetermined ratio is transferred from the predetermined account to the user's account. The calculation unit calculates the provisional sale price based on the unit price on the day before the application for sale of the financial instrument, and then the final sale based on the unit price determined on the day of the application for sale of the financial instrument. Calculate the price,
The payment processing unit transfers a predetermined percentage of the provisional sale price from the predetermined account to the user's account on the day of the application for sale of the financial product, and then the final sale price and the predetermined sale price. The information processing apparatus according to claim 1, wherein the difference from the amount of the ratio is transferred from the predetermined account to the user's account. On the day of the application for sale of the financial product, the calculation unit calculates the provisional sale price based on the unit price up to the day before the application for sale of the financial product and the price transition of the financial product in the market, and then calculates the provisional sale price. , Calculate the final sale price based on the unit price determined on the day of the application for sale of the financial product.
On the day of the application for sale of the financial instrument, the payment processing unit transfers a predetermined amount based on the provisional sale price from the predetermined account to the user's account, and then the fixed sale price and the said The information processing apparatus according to claim 1, wherein the difference from the predetermined amount is transferred from the predetermined account to the user's account. The claim is characterized in that the calculation unit calculates the provisional sale price by adding the increase or decrease of the price of the financial instrument in the market to the unit price up to the day before the application for sale of the financial instrument. The information processing apparatus according to 4. The information processing apparatus according to any one of claims 1 to 5, wherein the predetermined account is an account of a sales company that sells the financial product. The information processing apparatus according to any one of claims 1 to 5, wherein the predetermined account is an account of a financial institution that manages funds related to the financial product. It is an information processing device managed by a financial institution that mediates sales on the sales route of financial products that requires a predetermined number of days from the application for sale to the delivery of the sale price.
The reception department that accepts applications for the sale of the financial product from the user who owns the financial product,
On the day of the application for sale of the financial product, a calculation unit that calculates the provisional sale price based on the unit price of the financial product at a predetermined timing, and
On the day of the application for sale of the financial product, the predetermined amount based on the provisional sale price is transferred from the company's account to the user's account to temporarily lend the predetermined amount to the user. The payment processing department that shortens the lead time from the application for sale of the financial product to the delivery of the sale price,
An information processing device characterized by being equipped with. An information processing method executed by an information processing device managed by a user who holds a financial product that requires a predetermined number of days from the sale application to the delivery of the sale price and is managed by a financial institution involved in the sale and purchase of the financial product. There,
In response to the application for sale of the financial product, the first calculation step of calculating the provisional sale price based on the unit price of the financial product before the normal delivery date, and
The first payment processing step of transferring a predetermined amount based on the provisional sale price from the predetermined account to the user's account before the normal delivery date, and
After the first payment processing step, a second calculation step of calculating a fixed sale price based on a fixed unit price of the financial instrument, and a second calculation step.
A second payment processing step of transferring the difference between the fixed sale price and the predetermined amount from the predetermined account to the user's account.
An information processing method characterized by including. An information processing method executed by an information processing device managed by a financial institution that mediates sales on the sales route of the financial product from a user who holds a financial product that requires a predetermined number of days from the application for sale to the delivery of the sale price. There,
The reception process for accepting applications for the sale of financial products and
On the day of the application for sale of the financial product, a calculation process for calculating the provisional sale price based on the unit price at a predetermined timing of the financial product, and
On the day of the application for sale of the financial product, the predetermined amount based on the provisional sale price is transferred from the company's account to the user's account to temporarily lend the predetermined amount to the user. A payment processing process that shortens the lead time from the application for sale of the financial product to the delivery of the sale price,
An information processing method characterized by including. It is a program executed by a computer managed by a financial institution involved in the sale and purchase of the financial product from a user who holds a financial product that requires a predetermined number of days from the application for sale to the delivery of the sale price.
The reception procedure for accepting applications for the sale of financial products and
In response to the application for sale of the financial product, the first calculation procedure for calculating the provisional sale price based on the unit price of the financial product before the normal delivery date, and
A first payment processing procedure for transferring a predetermined amount based on the provisional sale price from a predetermined account to the user's account prior to the normal delivery date.
After the first payment processing procedure, a second calculation procedure for calculating a fixed sale price based on a fixed unit price of the financial instrument, and a second calculation procedure.
A second payment processing procedure for transferring the difference between the fixed sale price and the predetermined amount from the predetermined account to the user's account.
Information processing program to make a computer execute. It is a program executed by a computer managed by a financial institution that mediates sales on the sales route of the financial product from a user who holds a financial product that requires a predetermined number of days from the application for sale to the delivery of the sale price.
The reception procedure for accepting applications for the sale of financial products and
A calculation procedure for calculating the provisional sale price based on the unit price of the financial product at a predetermined timing on the day of the application for sale of the financial product, and
On the day of the application for sale of the financial product, the predetermined amount based on the provisional sale price is transferred from the company's account to the user's account to temporarily lend the predetermined amount to the user. A payment processing procedure that shortens the lead time from the application for sale of the financial product to the delivery of the sale price, and
Information processing program to make a computer execute.

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