JP2001331647A - Mobile investment system and investing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a mobile investment system which makes it possible to view variation in the value of a financial article such as a stock anytime through a mobile terminal device and enables financial transaction such as stock buying and selling. SOLUTION: This system is equipped with a mobile terminal device having a 1st transmitting and receiving means which can receive investment object data through a mobile network and transmit a request signal for investment from a user, a notification means for invest object data, an investment instructing means which instructs investment in the investment object, and a 1st control means which gives notice of interruption by the notification means according to received interruption information, and a server device having a 2nd transmitting and receiving means which receives the request signal for investment through the mobile network and sends the investment object data to the mobile terminal device, a storage means which stores a user identifier, an investment object identifier, and investment amount data according to the request signal for investment, and a 2nd control means which sends the interruption signal to the mobile terminal device according to value data computed from the investment amount data.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a mobile investment system using a mobile communication system. That is,
The present invention relates to a mobile investment system that enables a user to monitor a value change of an investment target such as a stock in real time and perform a transaction of the investment target through a wireless communication system such as a mobile phone network in real time.

[0002]

2. Description of the Related Art Conventionally, systems for buying and selling stocks via the Internet or the like are known. There are also businesses known for investing online in musicians, actors, movies and more. Further, a voting system using a mobile telephone network is also known.

[0003]

However, in buying and selling stocks via the Internet, the timing of buying and selling is missed unless the user always pays attention to the fluctuation of the stock price. In addition, even if the stock price can be displayed on a mobile phone, the user needs to be always staring at the mobile phone.

[0004] Further, in the case of online trading of stocks, an account for stock trading is required. Normally, it is possible for a user to use an account registered with a credit card by inputting the credit card number as an account for stock trading, but there is a security problem and the user inputs the credit number. It takes time.

Accordingly, the present invention provides a mobile terminal device that allows a user to view the value fluctuation of an investment target such as a stock directly at any time via a mobile terminal device, and also enables a mobile terminal device to carry out financial transactions such as stock trading. It is an object to provide a system and an investment method, a server device, and a mobile terminal device.

Another object of the present invention is to provide a mobile investment system and an investment method, a server device, and a mobile terminal device, which enable the user to know the value change of the investment object via the mobile terminal device. .

A further object of the present invention is to provide a mobile investment system and an investment method, a server device, and a mobile terminal device capable of performing settlement processing using a mobile terminal device without using a credit card. I do.

[0008]

In order to solve the above problems, a mobile investment system according to the present invention is capable of receiving investment target data and transmitting an investment request signal from a user via a mobile network. (1) transmitting and receiving means, notification means for notifying the user of the investment target data, investment instruction means for instructing investment in the investment target corresponding to the investment target data notified by the notification means, and A mobile terminal device having first control means for controlling the notifying means to notify the user of the interrupt in accordance with the interrupt information received via the transmitting / receiving means, and the investment object Data is transmitted to the mobile terminal device via the mobile network, and the investment request signal according to the investment instruction means is received. And second transceiver means, in response to the request signal of the investment, at least, a user identifier,
Storage means for storing the investment object identifier, the user's investment amount data for the investment object, and calculating the investment object's value data according to the investment amount data for the investment object, and executing the interruption according to the value data And a second control unit for transmitting information to the mobile terminal device via the second transmission / reception unit.

Further, the mobile investment system according to the present invention comprises: first transmission / reception means capable of receiving investment target data and transmitting an investment request signal from a user via a mobile network; A mobile terminal device having notification means for notifying a user, and investment instruction means for instructing investment in an investment target corresponding to the investment target data notified by the notification means; and Usage status storage means for storing the usage status of the user, and first control means capable of withdrawing a predetermined amount from the user's account in accordance with the usage status of the user stored in the usage status storage means; A central management center having the above-mentioned, and receiving the investment request signal according to the investment instruction means, and transmitting the investment target data to the mobile terminal. Second transmission / reception means for transmitting to the apparatus via the mobile network, and storage means for storing a user identifier, an investment target identifier, and investment data of the user for the investment target in response to the investment request signal. A server device having second control means for calculating and updating the investment amount data in response to the investment request signal, and storage means for storing account management data of a bank account of a user designated in advance; Automatically updating the user's account management data according to the user's investment amount data stored in the storage means of the server device, and accessing the bank account and based on the updated account management data. A billing center having third control means for performing settlement processing.

Further, according to the investment method of the present invention, the investment target data is transmitted from the server device to the mobile terminal device via the mobile network, and the investment target data is received by the mobile terminal device. Notifying a user, instructing the mobile terminal device to invest in an investment object corresponding to the announced investment object data, and transmitting an investment request signal to the server device; Receiving the investment request signal by the device and storing at least a user identifier, an investment target identifier, and the investment amount data of the user for the investment target in response to the investment request signal; and the server device The value data of the investment object according to the investment amount data for the investment object Calculating, transmitting the interrupt information to the mobile terminal device according to the value data by the server device, receiving the interrupt information by the mobile terminal device, and setting the user according to the interrupt information. Notification of an interrupt to the user.

Further, according to the investment method of the present invention, there is provided a step of transmitting investment target data from a server device to a mobile terminal device via a mobile network, and receiving the investment target data by the mobile terminal device. Notifying a user, instructing the mobile terminal device to invest in an investment object corresponding to the announced investment object data, and transmitting an investment request signal to the server device; Receiving the investment request signal by the device and storing at least a user identifier, an investment target identifier, and the investment amount data of the user for the investment target in response to the investment request signal; and the server device Transmits the user identifier, investment target identifier, and investment amount data to the charging center A step that, by the accounting center, based on the investment amount data, updates the account management data of pre-specified user's bank account,
Automatically accessing the user's account and performing a settlement process in accordance with the account management data; storing a use status of the user of the mobile terminal device by a central management center; By
Debiting a predetermined amount from the user's account according to the stored usage status of the user.

Further, the server device according to the present invention transmits the investment target data to the mobile terminal device via the mobile network, and transmits the investment target data corresponding to the investment target data from the mobile terminal device. Transmitting / receiving means for receiving an investment request signal of the user, at least a user identifier, an investment target identifier, and storage means for storing the user's investment amount data for the investment target according to the investment request signal; and And control means for calculating the investment target value data in accordance with the investment amount data and controlling the mobile terminal device to transmit interrupt information to the mobile terminal device via the transmission / reception means in accordance with the value data.

Further, the server device according to the present invention transmits the investment target data to the mobile terminal device via the mobile network, transmits the investment amount data to the investment target to the charging center, and transmits the investment target data to the charging center. Transmitting and receiving means for receiving an investment request signal to the investment object corresponding to the investment object data from the terminal device, and in response to the investment request signal, at least a user identifier, an investment object identifier, Storage means for storing the investment amount data; updating the investment amount data in response to the investment request signal; calculating the value data of the investment target; and controlling the value data to be transmitted to the charging center. A control unit.

[0014] Further, the mobile terminal device according to the present invention is a transmitting / receiving means capable of receiving investment target data from a server device via a mobile network and transmitting an investment request signal from a user. Notification means for notifying the user of the target data, investment instruction means for instructing investment in the investment target corresponding to the investment target data notified by the notification means, and the investment instruction means received via the transmission / reception means Control means for controlling the notification means to notify the user of the interrupt in response to the interrupt information from the server device.

[0015]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a mobile investment system to which the present invention is applied will be described in detail with reference to the drawings.

FIG. 1 is a block diagram showing a first specific system configuration of a mobile investment system according to the present invention.

The server 10 has a plurality of contents stored therein, and a creator (artist) of each content,
A storage unit 11 is provided in which a price of content, a user ID participating in the service, and the like are recorded. Further, the storage unit 1
The data stored in 1 is encoded and decoded by the CODEC 12 and can be communicated with the outside via the interface 13. Further, the server 10 includes a ROM 14 and a RAM 15 as in the configuration of a normal computer.
Under the control of the control unit 16, a program for controlling the operation of the server 10 stored in the ROM 14 is temporarily loaded into the RAM 15 and executed by the RAM 15, thereby controlling the operation of the entire server described above.

Here, when the content is an audio signal, ATRAC (registered trademark) 3 or MPEG Audio
o It is encoded and decoded by a method such as layer3. If the content is a video signal, MPEG
4. Encoding and decoding are performed by a method such as MPEG7.

The central management center 20 manages the entire wireless communication network.

The central management center 20 stores a call charge data calculated from a call time for each user of the mobile terminal and a storage unit 21 for storing account access key data for accessing an account for each user. Having. The data stored in the storage unit 21 is encoded and decoded by the CODEC 22, and can be communicated with the outside via the interface 23. Further, the server 10 described above
In the same manner as described above, a ROM 24 and a RAM 25 are provided.
Under the above control, a program for controlling the entire operation of the central management center 20 stored in the ROM 24 is temporarily loaded into the RAM 25 and executed by the RAM 25,
The operation of the entire central management center 20 can be controlled. Further, the interface 23 is connected to the interface 13 by a dedicated line 30, and is capable of bidirectional communication of digital data. Here, the digital data may be encrypted, or the analog data may be bidirectionally communicated. Although not described in detail, the central management center 20
A mobile terminal, in particular, a control function for managing an entire wireless communication network such as a mobile phone is provided. That is, it has a function as an exchange that controls a plurality of base stations 40 and enables a call between the mobile terminal devices 50 and the like. In the embodiment of the present invention, since only the data for managing the call charge data of the user of the mobile terminal device 50 is relevant, the description of the operation at the time of the call is omitted.

The mobile terminal device 50 receives an R
RF unit 5 for receiving data transmitted as an F signal
One. The data received from the RF unit 51 is demodulated by a demodulation unit 52 by a QPSK (four-phase phase modulation) system or the like, and the channel CODEC unit 53 extracts channel-coded data by a TDMA (time division multiple access) system. . Hereinafter, each configuration will be described together with the flow of data when the mobile terminal device 50 transmits and receives data.

For example, when the user is using the portable telephone, audio data is extracted from the channel-coded data and decoded by the decoding unit 54 according to the ADPCM method or the like. Next, the D / A converter 55 converts the decoded audio data into an analog signal, and outputs the analog signal from the speaker 56.

When the content stored in the server 10 is downloaded, the content data is extracted from the channel-coded data, and
Is decoded by ATRAC3, MP3 method or the like. At this time, the control unit 57 controls the operation so that the function of the decoding unit 54 is switched according to the type of data extracted from the channel-coded data. Next, the D / A converter 55
Converts the decoded content data into analog data and outputs the analog data from the speaker 56. At this time, the signal may be output from a headphone terminal or the like.

Next, when the user uses the mobile terminal 50 as a portable telephone, an analog signal is input from the microphone 58. The input analog signal is supplied to the A / D converter 59.
Is converted to a digital signal by the
It is encoded by the PCM method or the like. The encoded data is channel-coded by the channel CODEC unit 53. Further, the data modulated by the modulation section 61 by the QPSK method or the like and modulated by the RF section 51 is transmitted to the antenna 6.
6 is transmitted.

Here, similarly to the server 10 and the central management center 20, the control unit 57 controls the entire operation of the mobile terminal device 50. A control program for controlling the operation of the mobile terminal device 50 is stored in the ROM 62, and the control program is temporarily loaded on the RAM 63 and then executed on the RAM 63. Further, the instruction unit 64 is a numeric keypad or the like provided in a normal mobile phone. In the embodiment of the present invention, an instruction to download the content data stored in the server 10 and the content data downloaded and temporarily stored in the RAM 63 are provided. The instruction for uploading can be made by the instruction unit 64. The display unit 65 displays a server number in addition to a telephone number display provided on a normal mobile phone.
0, a list display of the content data stored in
It is possible to display the current content value or the like of the content data downloaded by the user.

The charging center 70 includes an artist for registering content data, an account of an office to which the artist belongs, an account of a retail store that sells the content as a CD,
The wireless communication network has a function of managing accounts of users who use the telephone and performing a charging process for each account. The charging center 70 has a dedicated line 80
To the server 10 and to the central management center 20 via a dedicated line 90. The encoded access request or account access key is transmitted from the server 10 or the central management center 20 and received by the interface 71. This received data may be encrypted. Next, when the data is decrypted by the CODEC 72 and is the access request data, the control unit 73 performs an authentication process,
In the case of the account access key data, it accesses the account management data stored in the storage unit 74 and updates the account management data. Based on the updated account management data, the control unit 73 controls the settlement processing for a predetermined bank account by transmitting and receiving the data to and from the bank center 130 via the interface 71. The result of the authentication processing by the control unit 73 is encoded by the CODEC 72 and
Is transmitted to the server 10 or the central management center 20 via the. Similarly to the server 10, the ROM 75 stores a control program for controlling the entire operation of the charging center 70. The control program is temporarily loaded into the RAM 76,
It is executed on AM76.

The account management data stored in the storage unit 74 of the charging center 70 is updated to update the account of the artist, thereby realizing the payment processing shown in 100 and the entry fee of the content data of the user. By updating the office account, the settlement processing of the dividend shown in 110 and the entry fee of the content data of the office is realized. Further, by updating the account of the retail store, the settlement process of payout to the retail store as indicated by 120 is realized. In addition, sales of CDs from the office to retail stores, payment of salaries from the office to artists, and dividends are not directly related to this system. CDs from retail stores or offices
Is used for a payout process to a person who has downloaded the content, which will be described later.

FIG. 2 is a block diagram showing the configuration of the mobile investment system according to the present invention. The description is omitted because it has the same configuration as that of FIG.

Next, referring to the flowchart of FIG. 3, when the user of the mobile terminal device 50 downloads and uploads the content registered in the server 10 by the individual artist, the server 10 and the central management center 20 shown in FIG. The operation of the body terminal device 50 and the charging center 70 will be described.

The control section 16 of the server 10 performs a process of registering artist data in step S1. More specifically, the individual artist uses a server 10
And sends the artist ID and content to the server 10. The server 10 stores the artist I in the database stored in the storage unit 11 shown in FIG.
D, content ID, content data indicated by the content ID as a pointer, initial price of the content,
That is, the start value (content value) of the content is stored.

The control unit 16 of the server 10 transmits the artist data to the mobile terminal device 50 in step S2. The artist data is an artist ID, a content ID, and a content value.

In step S3, the control unit 57 of the mobile terminal device 50 is in a standby state for receiving artist data. Upon completion of receiving the artist data, the control unit 57 proceeds to step S4 and displays the artist data on the display unit 65.

When the control unit 57 receives a download instruction from the content data instruction unit 64 by the user in step S5, the control unit 57 proceeds to step S6 and transmits the user ID and the content ID to the server 10.

In step S7, the control unit 57 transmits the user ID, the content ID,
The content data reception standby state is set. When the reception is completed, the control section 57 proceeds to Step S8.

If there is no instruction to download the content data by the user in step S5, the control section 57 proceeds to step S8.

When the instruction to upload the content previously downloaded and stored in the RAM 63 is given from the instruction unit 64 by the user in step S8, the control unit 57 proceeds to step S9 and transmits the user ID and the content to the server 10. . If there is no content upload instruction by the user in step S8, the control unit 57 proceeds to step S10.

The control section 57 determines whether or not there is a termination instruction from the user, and if not, returns to step S4,
The same artist data is displayed again, or the artist data already stored in the storage unit 11 is displayed.
On the other hand, when the control unit 57 determines that there is a termination instruction from the user, the processing in the mobile terminal device 50 is terminated.

The control unit 16 of the server 10 executes step S1
1 is a user ID and a content ID, that is, a download request reception standby state. If the user ID and the content ID have not been received, the process proceeds to step S12, and a standby state for receiving the user ID and the content is established.
When neither the user ID nor the content is received, that is, when the content is not uploaded, the process returns to step S11, and the user ID, the content ID, and the content reception standby state are continued.

When the user ID and the content ID are received in step S11, the control unit 16 proceeds to step S11.
The process proceeds to step S13. In step S13, the control unit 16 responds to the user's download request received in step S11,
D, transmitting the content data to the mobile terminal device 50; When the transmission is completed, the control unit 16 proceeds to step S
Proceed to 14.

The control unit 16 determines in step S14
The database shown in FIG. 4A is updated.

For example, when a user ID and a content ID are received (downloaded), the user ID is stored corresponding to the content ID. Also, the number of downloads is 1
Increment by one. In the present embodiment, one download instruction from the user is configured to permit one download for one content. However, the same content or a plurality of different contents are downloaded by one download. You may be able to.

Next, when the user ID and the content are received (upload), the user ID and the number of uploads corresponding to the content are incremented by one. In the present embodiment, one upload instruction by the user is configured to permit one upload for one content. However, multiple uploads of the same content or different content is performed by one upload. You may be able to upload multiple files.

When the control section 16 completes the update of the investment amount database in step S14, the control section 16 proceeds to step S1.
Go to 5. The control unit 16 determines whether or not the predetermined time has been counted in step S15. In the present embodiment, the predetermined time is 10 minutes. That is, step S1
In 5, the control unit 16 controls the operation so that the process proceeds to step S16 every 10 minutes.

The control unit 16 determines in step S16
The content value is calculated according to the investment amount database shown in FIG. 4A, and the content value and the total purchase and sale amount in the database are updated.

Here, four examples of the content value calculation method are shown in FIGS.

The content calculation method will be described with reference to FIG.

The calculation of the content value is performed by the control unit 16 of the server 10. First, it is assumed that the opening price of the content value is 300 yen.

The control unit 16 counts the number of downloads and the number of uploads for 10 minutes counted in step S13 described above in step S101. When the number of downloads and the number of uploads are 1000 and 800, in step S102, the price fluctuation value is calculated as (number of downloads-number of uploads) × constant.
In this embodiment, assuming that the constant is 0.5, the price fluctuation value is +100 yen.

Next, in step S103, the control section 16 determines whether or not the price fluctuation value is greater than 200 yen. This is a limiter for preventing a sudden price change. Therefore, it is not limited to 200 yen. Since the price fluctuation value is +100 yen, the control unit 16 proceeds with the process of step S104, and sets the price fluctuation value to +100 yen.

Further, the process proceeds to step S105, and the content value is calculated as 300 + 100 = 400 yen.

Next, the control unit 16 determines in step S106 that the calculated content value is 50% of today's opening price.
It is determined whether it is greater than the increase. This is a limiter for preventing sudden price fluctuations in one day. Since 400 yen is smaller than 450 yen, the control unit 16 proceeds to step S
The process proceeds to 107, and the content value is determined to be 400 yen.

Then, the corresponding content value in the investment amount database of FIG. 4A, and the sales total at the determined content value are updated. Later, the sum total of the sales and purchases will be the profit of the administrator of the server 10 operating this system. As shown in FIG. 5, the profit of the server 10 administrator in the real trading is 8
0000 yen.

In this embodiment, only the upper limiter of the price is considered, but the lower limit of the price and the lower limit of the price change may be limited.

Next, a content calculation method will be described with reference to FIG.

The calculation of the content value is similarly performed by the control unit 16 of the server 10. The content value is currently 400 yen.

The control unit 16 counts the number of downloads and the number of uploads in 10 minutes counted in step S13 described above in step S201. When the number of downloads and the number of uploads are 1500 and 300, in step S202, the price fluctuation value is calculated as (number of downloads−number of uploads) × constant.
In the present embodiment, assuming that the constant is 0.5, the price fluctuation value is +600 yen.

Next, in step S203, the control section 16 determines whether or not the price fluctuation value is greater than 200 yen. Since the price fluctuation value is +600 yen, the control unit 16 advances the process to S204, sets the price fluctuation value to 200 yen, and determines the price fluctuation value to +200 yen in step S205.

Further, the process proceeds to step S206, where the content value is calculated as 400 + 200 = 600 yen.

Next, the control unit 16 determines in step S207 that the calculated content value is 50% of today's opening price.
It is determined whether it is greater than the increase. Since 600 yen> 450 yen, the control unit 16 proceeds to step S208, sets the content value to 450 yen, further proceeds to step S209, and determines the content value to 450 yen.

Then, the corresponding content value in the investment amount database of FIG. 4A, and the total purchase and sale at the determined content value are updated. As shown in FIG. 6, the profit of the administrator of the server 10 in the main transaction is 540000 yen.

Next, a content calculation method will be described with reference to FIG.

The content value calculation is similarly performed by the control unit 16 of the server 10. The content value is currently 450 yen.

The control unit 16 counts the number of downloads and the number of uploads in 10 minutes counted in step S13 described above in step S301. When the number of downloads and the number of uploads are 600 and 1000, in step S302, the price fluctuation value is calculated as (number of downloads-number of uploads) × constant.
In this embodiment, assuming that the constant is 0.5, the price fluctuation value is -200 yen.

Next, in step S303, the control unit 16 determines whether or not the price fluctuation value is greater than 200 yen. Since the price fluctuation value is -200 yen, the control unit 16 advances the process to step S304, and sets the price fluctuation value to -200 yen.
Decide on a circle.

Further, the process proceeds to step S305, where the content value is calculated as 450-200 = 250 yen.

Next, the control unit 16 determines in step S306 that the calculated content value is 50% of today's opening price.
It is determined whether it is greater than the increase. Since 250 yen is less than 450 yen, the control unit 16 advances the process to step S307, and determines the content value to be 250 yen.

Then, the corresponding content value in the investment amount database of FIG. 4A, and the sales total with the determined content value are updated. As shown in FIG. 7, the profit of the administrator of the server 10 in the main transaction is -100,000 yen.

Next, a content calculation method will be described with reference to FIG.

The content value calculation is similarly performed by the control unit 16 of the server 10. The content value is currently 250 yen.

The control section 16 counts the difference between the number of downloads and the number of uploads for 10 minutes counted in step S13 described above in step S401. When the number of downloads and the number of uploads are 400 and 1000, in step S402, the price fluctuation value is calculated as (number of downloads−number of uploads) × constant. In this embodiment, assuming that the constant is 0.5, the price fluctuation value is -300 yen.

Next, in step S403, the control unit 16 determines whether or not the price fluctuation value is greater than 200 yen. Since the price fluctuation value is -300 yen, the control unit 16 advances the process to step S404, and sets the price fluctuation value to -300 yen.
Decide on a circle.

Further, the flow advances to step S405, and the content value is calculated as 250-300 = -50 yen.

Next, the control unit 16 determines in step S406 that the calculated content value is 50% of today's start price.
It is determined whether it is greater than the increase. Since -50 yen <450 yen, the control unit 16 advances the process to step S407, changes the content value from a negative price to 0 yen that permits free download, and determines.

Then, the corresponding content value in the investment amount database of FIG. 4A and the total purchase and sale at the determined content value are updated. As shown in FIG. 8, the profit of the administrator of the server 10 in the main transaction is 0 yen.

The description of the flowchart shown in FIG. 3 will be continued. When the content value calculation and the database update are completed by the control unit 16 as described above, the process proceeds to step S17. In step S17, the control unit 16 determines, for example, whether one month has passed.

If one month has not passed, the control section 16 returns the process to step S11, and continues the standby state for downloading and uploading again.

In the present flowchart, the processing for downloading, uploading and selling, and paying out to the user and the artist is performed collectively every month. For example, as described above, the processing of downloading and uploading may be performed every 10 minutes.

If the controller 16 determines that the current month is the first month, the process proceeds to step S18.

The control unit 16 calculates a payout to the user and the artist based on the profit of the server 10 administrator. This will be described with reference to FIG. Here, a payout based on only one content is shown, and is calculated based on the total profit of 520000 yen shown in FIGS.

First, the server 10
10% of the manager's profit of 520000 yen is allocated. Then, assuming that the current number of downloads of the content (more precisely, the total number of users who currently own the content) is 10,000, a dividend of 5.2 yen is allocated to the user for owning one content. . For example, a user who owns three identical contents gets a payout of 5.2 × 3 = 15.6 yen.

Next, as a dividend to the artist, 40% of the profit of 520000 yen of the administrator of the server 10 is allocated. That is, the dividend to the artist is 20800
It is 0 yen. Then, the final profit of the server 10 administrator is 260,000 yen.

Next, the process proceeds to step S19, where the control unit 16
Is the calculation of the payout to the user and the artist, and the server 1
0 Updates the investment amount database based on the profit calculation result of the manager. Specifically, server profit data, user payout data, and artist payout data are updated.

Further, the process proceeds to step S20, where the control unit 16
Transmits a server ID and a request to access the user and artist accounts to the charging center 70 via the dedicated line 80.

The control unit 73 of the charging center 70 is in an access request reception standby state in step S21. When the server ID and the access request are received from the server 10, the control unit 73 performs an authentication process based on the server ID in step S22. At this time, the user and the artist have a bank account for the service of the present system in advance. By the bank account designation process, the storage unit 74 of the charging center 70 stores the server ID of the present system, the user account key, and the artist account key in association with each other.
Therefore, the control unit 73 is configured to be able to authenticate by comparing the received server ID with the stored server ID.

If the server ID is not authenticated based on the correspondence between the received server ID and the stored server ID, the process proceeds to step S23, where the control unit 73 transmits a non-authentication signal to the server 10. When the authentication is obtained by the control unit 73, step S24 is performed.
The user account key and the artist account key are transmitted to the server 10.

The control unit 16 of the server 10 determines in step S2
Proceeding to 5, the process is terminated when a non-authentication signal is received from the charging center 70. A user account key from the charging center 70,
Then, upon receiving the artist account key, the process proceeds to step S26. In step S26, the control unit 16
Is a user account key, an artist account key, a server account key stored in advance on the server,
The user and artist payout data and the server profit data are transmitted to the charging center 70. The controller 16 ends the process when the transmission is completed.

The control unit 73 of the charging center 70 executes step S
At 27, a reception standby state of the user and artist account keys and the like is set. When the data is received, the process proceeds to step S28, and the control unit 73 performs a process of updating the database stored in the storage unit 74 illustrated in FIG.

More specifically, the control unit 73 accesses the user account management data using the user account key, and updates the date, the deposit / withdrawal history, and the balance based on the total purchase and sale of each user.
Further, the date, payout history, and balance are updated based on the payout data to the user.

The control unit 73 accesses the artist account management data using the artist account key, and based on the payout data for each artist, the date, the entry / exit history,
Update the balance.

Further, the server account management data is accessed using the server account key, and the date, the deposit / withdrawal history, and the balance are updated based on the server profit.

Further, based on the update of the account management data, the control unit 73 executes the settlement processing for the bank account of the bank ID shown in FIG.
1 automatically by transmitting and receiving to and from the bank center 130 via That is, the update of the account management data is directly reflected in the update of the bank account data.

When the update of the account management data is completed, the control unit 73 of the charging center 70 ends the processing.

As described above, by the processing of FIG.
0, and the user repeats downloading and uploading of the content, for example, music. Then, since the content is controlled so that the price of the content fluctuates, the content that is frequently downloaded becomes expensive and the content is premiered. In this way, the system has an unprecedented game characteristic in which the user downloads content in anticipation of a premier content.

Further, the server 10 administrator can obtain a profit by repeatedly downloading and uploading the content by the user, and has a payment processing function of paying a percentage of the profit to the user and the artist who registers the content. . As a result, there is an advantage that the user can obtain a price by finding a hit artist. In addition, an artist can obtain much compensation by registering content that is frequently downloaded.

Next, referring to the flowchart of FIG. 10, when the user of the mobile terminal device 50 downloads and uploads the content registered in the server 10 by an artist belonging to an office such as a music office or a record company. The operation of the server 10, the central management center 20, the mobile terminal device 50, and the charging center 70 shown in FIG. 1 will be described.

The control unit 16 of the server 10 determines in step S50
In 1, registration processing of office and artist data is performed. Specifically, an artist or an office-related person directly accesses the server 10 using his / her PC or the like, and transmits an office ID, an artist ID, and content data to the server 10. The server 10 stores an office ID, an artist ID, a content ID, content data pointed to by the content ID as a pointer, an initial price of the content, that is, a start price of the content in a database stored in the storage unit 11 shown in FIG. (Content value).

The control unit 16 of the server 10 determines in step S50
2, the artist data is transferred to the mobile terminal device 50.
Send to Artist data is Artist I
D, content ID, and content value.

At step S503, control unit 57 of mobile terminal device 50 is in a state of waiting for reception of artist data. Upon completion of receiving the artist data, the control unit 57 proceeds to step S504, and displays the artist data on the display unit 65.

When the control unit 57 receives a download instruction from the content data instruction unit 64 by the user in step S505, the control unit 57 proceeds to step S506 and transmits the user ID and the content ID to the server 10.

At step S507, control unit 57 enters a standby state for receiving the user ID, content ID, and content data transmitted from server 10. When the reception is completed, the control unit 57 proceeds to Step S508.

If there is no instruction to download the content data by the user in step S505, control unit 57 proceeds to step S508.

When the instruction to upload the content previously downloaded and stored in the RAM 63 is given from the instruction unit 64 by the user in step S508, the control unit 57 proceeds to step S509, and proceeds to step S509.
And the content to the server 10. The control unit 57
If there is no content upload instruction from the user in step S508, the process proceeds to step S510.

The control section 57 determines whether or not there is an end instruction from the user, and if not, returns to step S504 to display the same artist data again or to display the artist data already stored in the storage section 11. I do. On the other hand, when the control unit 57 determines that there is a termination instruction from the user, the processing in the mobile terminal device 50 is terminated.

The control unit 16 of the server 10 determines in step S5
11 is a reception standby state of the user ID and the content ID. If not received, the process advances to step S512 to enter a user ID and content reception standby state. When neither the user ID nor the content is received, the step S
Returning to 511, the user ID, the content ID, and the content reception standby state are continued.

When the user ID and the content ID are received in step S511, control unit 16 advances the process to step S513. In step S513,
The control unit 16 transmits the user ID, the content ID, and the content data to the mobile terminal device 50 in response to the user's download request received in step S511. When the transmission is completed, the control unit 16 advances the processing to Step S514.

In step S514, control unit 16 updates the database shown in FIG.

For example, when the user ID and the content ID are received (downloaded), the user ID is stored corresponding to the content ID. Also, the number of downloads is 1
Increment by one. In the present embodiment, one download instruction from the user is configured to permit one download for one content. However, the same content or a plurality of different contents are downloaded by one download. You may be able to.

Next, when the user ID and the content are received (upload), the user ID and the number of uploads corresponding to the content are incremented by one. In the present embodiment, one upload instruction by the user is configured to permit one upload for one content. However, multiple uploads of the same content or different content is performed by one upload. You may be able to upload multiple files.

When the control section 16 completes the update of the investment amount database in step S514, the control section 16 proceeds to step S514.
Proceed to 515. The control unit 16 determines whether or not the predetermined time has been counted in step S515. In the present embodiment, the predetermined time is 10 minutes. That is, in step S515, the control unit 16 controls the operation so that the process proceeds to step S516 every 10 minutes.

In step S 516, the control unit 16 calculates the content value according to the investment amount database shown in FIG. 11A, and updates the content value and the trading total in the database.

Here, the content value calculation method is the same as the method shown in FIGS.

When the content value calculation and the database update are completed by the control unit 16, the process proceeds to step S517.
Proceed to. In step S517, the control unit 16 determines, for example, whether one month has passed.

If one month has not passed, the control section 16 returns the process to step S511, and continues the standby state for download and upload.

In this flowchart, the processing for buying and selling by downloading and uploading and the processing for paying out to the user and the artist are collectively performed every month. For example, the processing of downloading and uploading sales may be performed every 10 minutes.

If the control unit 16 determines that it is the first month, the process proceeds to step S518.

The control unit 16 calculates a payout to the user and the office based on the profit of the administrator of the server 10. This will be described with reference to FIG. Here, a payout based on only one content is shown, and is calculated based on the total profit of 520000 yen shown in FIGS. Here, the calculation of the dividend to the office may be naturally distributed based on the profit of the server 10 manager of the plurality of contents.

First, as a dividend to the user, the server 10
10% of the manager's profit of 520000 yen is allocated. Then, assuming that the current number of downloads of the content (more precisely, the total number of users who currently own the content) is 10,000, a dividend of 5.2 yen is allocated to the user for owning one content. . For example, a user who owns three identical contents gets a payout of 5.2 × 3 = 15.6 yen.

Next, as a dividend to the office, the server 10
Allotment of 40% of 520000 yen of the manager's profit is allocated. That is, the dividend to the office is 208,000 yen. Then, the ultimate benefit of the server 10 administrator is 260
000 yen.

Next, the flow advances to step S519, where the control unit 1
Reference numeral 6 updates the investment amount database based on the results of the calculation of the payout to the user and the artist and the profit calculation of the server 10 administrator. Specifically, server profit data, user payout data, and office payout data are updated.

Further, the process proceeds to step S520, where the control unit 1
6 transmits a server ID and a request for access to a user and an office account to the charging center 70 via a dedicated line 80.

In step S521, control unit 73 of charging center 70 is in an access request reception standby state.
When the server ID and the access request are received from the server 10, the control unit 73 determines in step S522 that the server
Perform more authentication processing. At this time, the user and the office have designated a bank account for the service of the present system in advance.
By this bank account designation processing, the storage unit 7 of the charging center 70
4, a server ID of the present system, a user account key, and an office account key are stored in association with each other. Therefore, the control unit 73 is configured to be able to authenticate by comparing the received server ID with the stored server ID.

If authentication is not possible due to the correspondence between the received server ID and the stored server ID, step S5
Proceeding to 23, the control unit 73 transmits a non-authentication signal to the server 10. When the authentication by the control unit 73 is obtained, step S
Proceeding to 524, the user account key and the office account key are transmitted to the server 10.

The control unit 16 of the server 10 determines in step S5
Proceeding to step S25, when the non-authentication signal is received from the charging center 70, the process ends. When the user account key and the office account key are received from the charging center 70, the process proceeds to step S
Proceed to 526. In step S526, the control unit 7
3 transmits to the charging center 70 the user account key, the office account key, the server account key stored in the server in advance, the trading total data, the user and office dividend data, and the server profit data. The controller 16 ends the process when the transmission is completed.

The control unit 73 of the charging center 70 executes step S
At 527, a reception standby state for the user and the office account key is set. Step S52 is a process in which data is received.
The control unit 73 proceeds to the storage unit 7 shown in FIG.
4 is updated.

The control unit 73 accesses the user account management data using the user account key, and updates the date, the deposit / withdrawal history, and the balance based on the total sales and purchases for each user. Further, the date, payout history, and balance are updated based on the payout data to the user.

The control unit 73 accesses the office account management data using the office account key, and updates the date, deposit / withdrawal history, and balance based on the payout data for each office.

The control unit 73 accesses the server account management data using the server account key, and updates the date, deposit / withdrawal history, and balance based on the server profit.

Further, based on the update of the account management data, the control unit 73 transmits / receives the settlement processing for the bank account of the bank ID shown in FIG. 11B to / from the bank center 130 via the interface 71 in step S529. Do it automatically. That is, the update of the account management data is directly reflected in the update of the bank account data.

When the update of the account management data is completed, the control unit 73 of the charging center 70 ends the processing.

As described above, by the processing in FIG. 10, the office or the artist belonging to the office registers the produced content in the server 10, and the user downloads and uploads the content, for example, the music. repeat. Then, since the content is controlled so that the price of the content fluctuates, the content that is frequently downloaded becomes expensive and the content is premiered. In this way, the system has an unprecedented game characteristic in which the user downloads content in anticipation of a premier content.

Further, the server 10 manager can obtain a profit by repeatedly downloading and uploading the content by the user, and has a payment processing function of paying a percentage of the profit to the user and the artist who registers the content. . As a result, there is an advantage that the user can obtain a price by finding a hit artist. In addition, the office can obtain a lot of compensation by registering contents that are frequently downloaded. Further, as shown in FIG. 1, if the office distributes the payout and the salary to the artist, a great profit can be obtained for the artist.

Next, using the flowchart of FIG. 13, the user of the mobile terminal device 50 downloads and uploads the content registered in the server 10 by an artist belonging to an office such as a music office or a record company. The server 10, the central management center 20, the mobile terminal device 50, and the charging center 70 shown in FIG. 1 when a dividend is paid to a user, an office, or a retail store according to sales data provided from a retail store or a music office. Will be described.

The control unit 16 of the server 10 determines in step S60
In 1, registration processing of office and artist data is performed. Specifically, an artist or an office-related person directly accesses the server 10 using his / her PC or the like, and transmits an office ID, an artist ID, and content data to the server 10. The server 10 stores, in the database stored in the storage unit 11 shown in FIG. 14A, an office ID, an artist ID, a content ID, content data indicated by the content ID as a pointer, an initial price of the content, that is, a start price of the content. (Content value).

The control unit 16 of the server 10 determines in step S60
2, the artist data is transferred to the mobile terminal device 50.
Send to Artist data is Artist I
D, content ID, and content value.

At step S603, control unit 57 of mobile terminal device 50 is in a state of waiting for reception of artist data. Upon completion of the reception of the artist data, the control unit 57 proceeds to step S604, and displays the artist data on the display unit 65.

When the control unit 57 receives the download instruction of the content data instructing unit 64 from the user in step S605, the control unit 57 proceeds to step S606 and transmits the user ID and the content ID to the server 10.

In step S607, control unit 57 enters a standby state for receiving the user ID, the content ID, and the content data transmitted from server 10. When the reception is completed, the control unit 57 proceeds to Step S608.

If there is no instruction to download the content data by the user in step S605, control unit 57 proceeds to step S608.

When the instruction to upload the content previously downloaded and stored in the RAM 63 is given by the instruction unit 64 by the user in step S608, the control unit 57 proceeds to step S609,
And the content to the server 10. The control unit 57
If there is no content upload instruction from the user in step S608, the process proceeds to step S610.

The control section 57 determines whether or not there is an end instruction from the user. If not, the flow returns to step S604 to display the same artist data again or to display the artist data already stored in the storage section 11. I do. On the other hand, when the control unit 57 determines that there is a termination instruction from the user, the processing in the mobile terminal device 50 is terminated.

The control unit 16 of the server 10 determines in step S6
In FIG. 11, the reception standby state of the sales data of the content ID recorded in the database of FIG.
Here, the sales data is P
C and directly access the server 10 using the retailer ID
(Or music office ID), the content ID and the sales data are transmitted to the server 10. In step S611, when the control unit 16 receives the retail store ID, the content ID, and the sales data corresponding to each content ID, the process proceeds to step S612.

The control unit 16 of the server 10 determines in step S6
At 12 is a state of waiting for reception of a user ID and a content ID. If not received, the process proceeds to step S613 to enter a user ID and content reception standby state. When neither the user ID nor the content is received, the step S
Returning to 612, the user ID, content ID, and content reception standby state are continued.

When the user ID and the content ID are received in step S612, control unit 16 advances the process to step S614. In step S614,
The control unit 16 transmits the user ID, the content ID, and the content data to the mobile terminal device 50 in response to the user's download request received in step S612. When the transmission is completed, the control unit 16 proceeds to S6.
Proceed to 15.

In step S615, control unit 16 updates the database shown in FIG.

For example, when the user ID and the content ID are received (downloaded), the user ID is stored corresponding to the content ID. Also, the number of downloads is 1
Increment by one. In the present embodiment, one download instruction from the user is configured to permit one download for one content. However, the same content or a plurality of different contents are downloaded by one download. You may be able to.

Next, when the user ID and the content are received (upload), the user ID and the number of uploads corresponding to the content are incremented by one. In the present embodiment, one upload instruction by the user is configured to permit one upload for one content. However, multiple uploads of the same content or different content is performed by one upload. You may be able to upload multiple files. Further, the control unit 16 stores the retail store ID and the sales data received in step S610 in correspondence with the content ID.

When the control section 16 completes the update of the investment amount database in step S615, the control section 16 proceeds to step S615.
Proceed to 616. The control unit 16 determines whether or not the predetermined time has been counted in step S616. In the present embodiment, the predetermined time is 10 minutes. That is, in step S616, the control unit 16 controls the operation so that the process proceeds to step S617 every 10 minutes.

In step S617, the control unit 16 calculates the content value according to the investment amount database shown in FIG. 14A, and updates the content value and the sales total in the database.

Here, the content value calculation method is the same as the method shown in FIGS.

When the calculation of the content value and the update of the database are completed by the control unit 16, the processing proceeds to step S618.
Proceed to. In step S618, the control unit 16 determines, for example, whether one month has passed.

If one month has not passed, the control section 16 returns the process to step S612, and continues the standby state for downloading and uploading again.

In this flowchart, the processing for downloading and uploading and buying and selling, and the processing for paying out to users, offices and retailers are collectively performed every month. For example, the processing of downloading and uploading sales may be performed every 10 minutes.

If the controller 16 determines that the current month is the first month, the process proceeds to step S619.

The control unit 16 calculates a payout to the user and the office based on the profit of the server 10 administrator. This will be described with reference to FIG. Here, a payout is shown for only one content, and the calculation is performed on the assumption that the total profit shown in FIGS. 5 to 8 is 520000 yen and the sales profit is 480000 yen. Here, the calculation of the dividend to the office may be naturally distributed based on the profit of the server 10 manager of the plurality of contents.

First, as a dividend to the user, the server 10
10% of the profit of the administrator 520000 yen and 10% of the sales profit of the content are allocated from the server 10 manager profit. If the current number of downloads of the content (more precisely, the total number of users who currently own the content) is 10,000, the content 1
For each possession, a dividend of 10 yen is allocated to the user. For example, a user who owns three identical contents is 1
A payout of 0 × 3 = 30 yen is obtained.

Next, as a dividend to the office, the server 10
Allocate 40% of the manager's profit of 520000 yen and 10% of the sales profit. That is, the dividend to the office is 2
It is 08000 + 48,000 yen.

[0157] Further, as a dividend to the retail store, the server 10
10% of the manager's profit of 520000 yen and 10% of the sales profit are allocated. That is, the dividend to the office is 5
It is 2,000 + 48,000 yen. Then, the final profit of the server 10 administrator is 64000 yen.

Next, the process proceeds to step S620, where the control unit 1
Reference numeral 6 updates the investment amount database based on the results of the dividend calculation to the user, the office, and the retail store, and the profit calculation result of the server 10 administrator. Specifically, server profit data, user payout data, office payout data, and retail store payout data are updated.

Further, the flow advances to step S621, where the control unit 1
6 transmits the server ID and a request for access to the user, office, and retail account to the charging center 70 via the dedicated line 80.

In step S622, control unit 73 of charging center 70 is in an access request reception standby state.
When the server ID and the access request are received from the server 10, the control unit 73 proceeds to step S623,
Perform more authentication processing. At this time, the user, office,
The retailer has designated a bank account for the services of the system. By this bank account designation processing, the storage unit 74 of the charging center 70 stores the server ID of the present system, the user account key, the office account key, and the retail store account key in association with each other. Therefore, the control unit 73 transmits the received server I
It is configured so that authentication can be obtained by comparing D with the stored server ID.

If authentication is not possible due to the correspondence between the received server ID and the stored server ID, step S624
The control unit 73 transmits a non-authentication signal to the server 10. When the authentication by the control unit 73 is obtained, step S62 is performed.
Proceeding to 5, the user account key, the office account key, and the retail store account key are transmitted to the server 10.

The control unit 16 of the server 10 determines in step S6
Proceeding to 26, when the non-authentication signal is received from the charging center 70, the process ends. Upon receiving the user account key, the office account key, and the retail store account key from charging center 70, the process proceeds to step S627. In step S627, the control unit 73 sets the user account key, the office account key,
The account key for the retail store, the key for the server account stored in the server in advance, the total sales data, the user, the office and the retail store dividend data, and the server profit data are transmitted to the charging center 70. The controller 16 ends the process when the transmission is completed.

The control unit 73 of the charging center 70 executes step S
At 628, it is in a reception standby state for the user, office, and retail store account keys. The process of receiving data proceeds to step S629, and the control unit 73 performs a process of updating the database stored in the storage unit 74 illustrated in FIG.

More specifically, the control unit 73 accesses the user account management data using the user account key, and updates the date, deposit / withdrawal history, and balance based on the total purchase and sale of each user.
Further, the date, payout history, and balance are updated based on the payout data to the user.

The control unit 73 accesses the office account management data using the office account key, and updates the date, deposit / withdrawal history, and balance based on the payout data for each office.

The control unit 73 accesses the retail store account management data using the retail store account key, and updates the date, withdrawal history, and balance based on the payout data for each office.

The control unit 73 accesses the server account management data using the server account key, and updates the date, the deposit / withdrawal history, and the balance based on the server profit.

Further, based on the update of the account management data, control unit 73 transmits and receives the settlement process for the bank account of the bank ID shown in FIG. 14B to / from bank center 130 via interface 71 in step S630. Do it automatically. That is, the update of the account management data is directly reflected in the update of the bank account data.

When the update of the account management data is completed, the control unit 73 of the charging center 70 ends the processing.

As described above, by the processing of FIG. 13, the office or the artist belonging to the office registers the produced content in the server 10, and the user downloads and uploads the content, for example, the music. repeat. Accordingly, the content is controlled so that the price of the content fluctuates, so that the content that is frequently downloaded becomes expensive and the content is premiered. In this way, the system has an unprecedented game characteristic in which the user downloads content in anticipation of a premier content.

Furthermore, the server 10 administrator can benefit from the repeated downloading and uploading of content by the user. In addition, the control unit 16 calculates a payout to a user, an office, or a retail store according to the sales profit based on the sales data of the content recorded on the medium, and performs an automatic settlement process. As a result, there is an advantage that the user can obtain a price by finding a hit artist. In addition, the office can obtain a great deal of compensation by registering contents that increase download or sales. Furthermore, if the retailer sells a lot, it is possible to obtain not only the sales profit but also the dividend from the server 10 manager. Further, as shown in FIG. 1, if the office distributes the payout and the salary to the artist, a great profit can be obtained for the artist.

Further, the mobile investment system according to the present invention may be configured as follows.

FIG. 16 is a block diagram showing a second specific system configuration of the mobile investment system according to the present invention. The same devices as those in FIG. 1 are denoted by the same reference numerals, and the details are omitted.

The difference from the block diagram described with reference to FIG.
The eccentric motor 201 incorporated in the mobile terminal device 50 is incorporated therein. The mobile terminal 50 is connected to the server 10
When receiving the content value variation information transmitted from the central management center 20 and the base station 40 through the eccentric motor 201 under the control of the control unit 57, it is provided to notify the user of the content value variation. Have been.

A mobile phone 202 is shown as an example of the form of the mobile terminal device 50. The means for notifying the user of the change in the content value described above includes the above-described eccentric motor 201.
In addition to the above, there is a method of displaying a character indicating an emergency notification and content value variation data 204 of predetermined content so as to be superimposed on the artist data 203 displayed on the display unit 65 under the control of the control unit 57. . Further, the control unit 57 may control the display to blink so as to emphasize the notification.

FIG. 17 shows the server 10, central management center 20, mobile terminal device 50, and charging center 70 shown in FIG.
6 is a flowchart showing the operation of the first embodiment. The description of the same steps as those in the flowchart of FIG. 3 is omitted.

In mobile terminal device 50, in step S8, control unit 57 determines that there is no instruction to upload the content data by the user, or in step S9, controls the transmission of the user ID and the content data to the server. Thereafter, the process proceeds to step S701, where the control unit 57 determines that the interrupt information from the server 10 and the content I
D, Check whether a content value (user ID) has been received.

On the other hand, in the server 10, the control unit 16
Is determined to be the predetermined time in step S15, the content value is calculated according to the investment amount database in step S16, and after the database is updated, the process proceeds to step S702. Control unit 16
In step S702, when the calculated absolute value of the content value fluctuation is greater than 100 yen, a user who has downloaded and uploaded the content is searched in the database stored in the storage unit 11, and the corresponding user is moved. The interrupt information, the content ID, and the content value (user ID) are transmitted to the body terminal device 50. If the absolute value of the content value change is less than 100 yen, the process proceeds to step S17 without performing the transmission process.

If the content value fluctuation is larger than 100 yen,
When interrupt information and the like are transmitted from the server 10 to the mobile terminal device via the dedicated line 30, the central management center 20, and the base station 40, the processing of the control unit 57 of the mobile terminal device includes the interrupt information and the like in step S701. Is received, and the process proceeds to step S703. The control unit 57 transmits a control signal for controlling the drive of the eccentric motor 201 to the eccentric motor 201 in step S703, or sends the control signal to the display unit 65 so that the content value change information 204 and the like are superimposed on the display unit 65. Send. Thus, the user is urgently notified of the change in the content value by each notification means, and the user loses the timing of uploading and downloading the content for profit.

The control signal from the control unit 703 to each notification unit is valid until the control unit 57 detects a notification end instruction from the user in step S704. In step S704, the control unit 5 issues a notification end instruction by the user.
When 7 is detected, the process proceeds to step S10.

Since the mobile unit capable of performing financial transactions as in this embodiment is provided with a means for notifying the user of the content value or the change of the stock price, the user can be forcibly notified of the content value or the change of the stock price anytime and anywhere. It becomes possible. As a result, there is a special effect that the user rarely misses the timing of buying and selling financial products or the timing of uploading and downloading in the embodiment.

The mobile investment system according to the present invention may be configured as follows.

The third specific system configuration of the mobile investment system according to the present invention is the same as that of FIG. FIG. 18 is a flowchart showing operations of the server 10, the central management center 20, the mobile terminal device 50, and the charging center 70 shown in FIG. 16 in the third specific system configuration of the mobile investment system. FIG. 18 is substantially the same as the flowchart shown in FIG. Hereinafter, description of the same steps as those in the flowchart of FIG. 3 will be omitted.

In the server 10, in step S19, the control unit 16 updates the investment amount database based on the result of the calculation of the payout to the user and the artist and the profit calculation of the server 10 administrator. Then, step S801 in FIG.
Processing proceeds to In step S801, the control unit 1
6 transmits a server ID and a request for access to an artist account to the charging center 70 via a dedicated line 80.
Hereinafter, the processing of the charging center 70 is the same as the processing of FIG. 3 except that the account key returned to the server 10 is only for the artist.

The control unit 16 of the server 10 determines in step S80
2 and the central management center 20 sends the server ID,
Dedicated line 3 for user ID and access request to user account
Send via 0.

At step S803, control unit 26 of central management center 20 is in an access request reception standby state. Upon receiving the server ID, the user ID, and the access request from the server 10, in step S804, the control unit 26 performs an authentication process based on the server ID and the user ID. At this time, the user of the mobile phone has previously designated a call charge account, and a database as shown in FIG. Here, in the database of FIG. 19, the server ID and the user ID are stored in association with each other.
After the event of transmitting the user ID and the user ID to the central management center 20 is performed, the event is stored in such a manner. Therefore, the authentication of the control unit 26 here authenticates whether the server ID is accessible to the central management center 20 or not.
Further, the received user ID is a user ID stored corresponding to an account key for accessing the call charge account.
Authentication is performed based on whether or not it exists. After this authentication, the control unit 26 controls the storage unit 21 so that the server ID is stored in correspondence with the user ID, and finally a database as shown in FIG. 19 is constructed.

If the control unit 26 does not authenticate with the received server ID and user ID, the process proceeds to step S806, and the control unit 26 transmits a non-authentication signal to the server 10.
When the control unit 26 authenticates, the process proceeds to step S805, and the control unit 26 controls to transmit the user account key to the server 10. At this time, the user account key is preferably encrypted.

The processing of the server 10 is the same as that of the flowchart of FIG.

As described above, in the second embodiment of the present invention, an account for a call charge such as a mobile phone automatically performs a financial product transaction, for example, a settlement process generated by uploading and downloading contents. Since it is configured to be assigned to an account, the user does not need to specify a new account for financial instrument transactions. Further, there is no need to specify an account via a public line such as the Internet, and the server 10 and the central management center 20 are not required.
Since the account key is transmitted and received through the dedicated line 30 connecting to the server, the security effect is high.

In the above description, the uploading and downloading of contents is described as an example of a transaction of a financial product. However, any transaction such as a normal stock price transaction and a futures transaction may be used.

In the above description, the content value fluctuates. However, the price of the content value may be fixed, and the payout may be calculated according to the sales.

[0192] Furthermore, a mobile phone is taken as an example of a mobile terminal device, but any mobile device may be used, such as an automobile, a PDA, or a portable computer.

In the second system configuration, the notifying means is display and vibration, but may be sound. For example, the notification may be made by a beep sound stored in the memory in advance, or the content I transmitted together with the interruption information
The content (song) may be reproduced according to D.

[0194]

According to the present invention, the mobile terminal device capable of online transactions is provided with a notification means for notifying the user according to a change in the value of a desired financial product, so that the user can miss the timing of the financial transaction. There is an effect that there is no.

Furthermore, since a call charge account can be automatically assigned to a financial product trading account, a user account registration process can be omitted and a mobile investment system that is extremely secure in terms of security can be provided. It has different effects such as being able to provide.

[Brief description of the drawings]

FIG. 1 is a block diagram showing the overall system configuration of the present invention.

FIG. 2 is a block diagram showing a part of the system of the present invention.

FIG. 3 is a flowchart showing an operation of each device of the mobile investment system to which the present invention is applied.

FIG. 4 is a diagram showing a database configuration stored in a server of a mobile investment system to which the present invention is applied.

FIG. 5 is a diagram showing a method in which a server of a mobile investment system to which the present invention is applied calculates value data of an investment target.

FIG. 6 is a diagram showing another method in which the server of the mobile investment system to which the present invention is applied calculates the value data of the investment target.

FIG. 7 is a diagram showing still another method in which the server of the mobile investment system to which the present invention is applied calculates the value data to be invested.

FIG. 8 is a diagram showing still another method in which the server of the mobile investment system to which the present invention is applied calculates the value data of the investment target.

FIG. 9 is a diagram showing a method of calculating a payout by a server of the mobile investment system to which the present invention is applied.

FIG. 10 is a flowchart showing another embodiment of the mobile investment system to which the present invention is applied.

FIG. 11 is a diagram showing a database configuration stored in a server of another embodiment of the mobile investment system to which the present invention is applied.

FIG. 12 is a diagram illustrating a method of calculating a payout by a server in another embodiment of the mobile investment system to which the present invention is applied.

FIG. 13 is a flowchart showing still another embodiment of the mobile investment system to which the present invention is applied.

FIG. 14 is a diagram showing a database configuration stored in a server of still another embodiment of the mobile investment system to which the present invention is applied.

FIG. 15 is a diagram showing a method of calculating a payout by a server according to still another embodiment of the mobile investment system to which the present invention is applied.

FIG. 16 is a block diagram showing still another embodiment of the mobile investment system to which the present invention is applied.

FIG. 17 is a flowchart showing the operation of still another embodiment of the mobile investment system to which the present invention is applied.

FIG. 18 is a flowchart showing the operation of still another embodiment of the mobile investment system to which the present invention is applied.

FIG. 19 is a diagram showing a database configuration including a key for accessing a user's account stored in a central management center 20 of still another embodiment.

[Explanation of symbols]

10 server device, 11 storage unit, 14 ROM, 15
RAM, 16 control units, 20 central management center, 21
Storage unit, 24 ROM, 25 RAM, 26 control unit,
40 base stations, 50 mobile terminal devices, 57 control units,
62 ROM, 63 RAM, 64 instruction unit, 65 display unit, 70 charging center, 74 storage unit, 75 RO
M, 76 RAM, 201 eccentric motor,

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) H04Q 7/38 H04B 7/26 109M F-term (Reference) 5B049 AA02 AA06 BB47 CC05 CC36 GG03 GG06 5B055 BB12 EE04 EE29 GG07 PA08 5K067 AA21 BB04 BB21 DD17 EE02 EE10 EE16 GG01 GG11 HH22 HH23 HH24

Claims (45)

[Claims] 1. A first transmission / reception means capable of receiving investment target data and transmitting an investment request signal from a user via a mobile network, a notifying means for notifying the user of the investment target data, Investment instruction means for instructing investment in an investment object corresponding to the investment object data notified by the notification means; and the user by the notification means in response to interrupt information received via the first transmission / reception means A mobile terminal device having first control means for controlling to notify the interrupt to the mobile terminal device; and transmitting the investment target data to the mobile terminal device via the mobile network, and A second receiving the investment request signal according to the instruction means;
Transmission / reception means, and at least a user identifier, an investment target identifier, and storage means for storing the investment amount data of the user with respect to the investment target in response to the investment request signal; and A server device having second control means for calculating the value data of the investment target and transmitting the interrupt information to the mobile terminal device via the second transmitting / receiving means in accordance with the value data. Mobile investment system equipped. 2. The mobile terminal device according to claim 2, wherein when the change of the value data of the investment target data is equal to or greater than a predetermined value, the second control means transmits the investment target identifier and the investment target value data as the interrupt information to the mobile terminal device. The mobile investment system according to claim 1, wherein the mobile investment system is transmitted. 3. The first transmitting / receiving means of the mobile terminal device transmits a sale request signal to the second transmitting / receiving means for canceling an investment in the investment object previously instructed by a user, The second control means of the server device controls the user's investment amount data with respect to the investment target data stored in the storage means in response to the sale request signal. The mobile investment system according to claim 1, wherein 4. The mobile terminal device according to claim 1, wherein the mobile terminal device has a display unit, and the first control unit notifies the user of the interrupt information via the display unit. Mobile investment system. 5. The mobile investment system according to claim 1, wherein the investment target is a group. 6. The mobile investment system according to claim 1, wherein the investment target is an individual. 7. The mobile investment system according to claim 1, wherein the investment target is a personal work. 8. The second transmission / reception means receives sales data of the work to be invested, and pays a price to a retailer selling the personal work in accordance with the sales data. The mobile investment system according to claim 7, characterized in that: 9. A first transmission / reception means capable of receiving investment target data and transmitting an investment request signal from a user via a mobile network, a notifying means for notifying the user of the investment target data, A mobile terminal device having investment instruction means for instructing investment in an investment object corresponding to the investment object data notified by the notification means, and a usage status storing the usage status of the user of the mobile terminal device A central control center having storage means; first control means capable of withdrawing a predetermined amount of money from the user's account in accordance with the usage state of the user stored in the usage state storage means; Receiving the investment request signal according to the means, and transmitting the investment target data to the mobile terminal device via the mobile network. The first to send 2
Transmitting and receiving means, a storage means for storing a user identifier, an investment target identifier, and the investment amount data of the user for the investment target in response to the investment request signal, and the investment amount data in response to the investment request signal Server device having second control means for calculating and updating the following; storage means for storing account management data of a bank account of a user designated in advance; and the user stored in the storage means of the server device Charging center having third control means for automatically updating the user's account management data in accordance with the investment amount data of the user, and accessing the bank account and performing a settlement process based on the updated account management data. A mobile investment system comprising: 10. The central management center further includes key storage means for storing a key for an account corresponding to the user, and a third control means of the charging center is arranged so that the third control means of the charging center transmits 10. The mobile investment system according to claim 9, wherein the account key is acquired via a second transmitting / receiving means, and a settlement process is performed on the bank account by accessing a predetermined bank center. 11. The mobile investment system according to claim 9, wherein said mobile terminal device has a display means, and notifies said interrupt information via said display means. 12. The mobile investment system according to claim 9, wherein the investment target is a group. 13. The mobile investment system according to claim 9, wherein the investment target is an individual. 14. The mobile investment system according to claim 9, wherein the investment target is a personal work. 15. The second transmitting / receiving means of the server device receives sales data of the work to be invested, and pays a price to a retailer selling the personal work in accordance with the sales data. 15. The mobile investment system according to claim 14, wherein payment is made. 16. A step of transmitting investment target data from a server device via a mobile network to a mobile terminal device; receiving the investment target data by the mobile terminal device and informing a user of the investment target data; The mobile terminal device instructs investment in the investment target corresponding to the announced investment target data, and transmits an investment request signal to the server device; and the investment request signal by the server device. And storing at least a user identifier, an investment target identifier, and the investment amount data of the user for the investment target in response to the investment request signal; and the investment amount data for the investment target by the server device. Calculating the value data of the investment object according to And transmitting interrupt information to the mobile terminal device in accordance with the value data by chromatography server device receives the interrupt information by the mobile terminal device,
Notifying the user of an interruption in response to the interruption information. 17. When the change in the value data of the investment target is equal to or greater than a predetermined value, the server device transmits the investment target identifier and the investment target value data to the mobile terminal device as the interrupt information. 17. The investment method according to claim 16, wherein: 18. The mobile terminal device according to claim 18,
Transmitting, to the server device, a sale request signal for canceling the investment in the investment object previously instructed by the user; and storing, in the server device, by the server device according to the sale request signal. And controlling the investment amount data of the user for the investment target being changed so as to be changed.
The investment method described. 19. The investment method according to claim 16, wherein the investment target is a group. 20. The investment method according to claim 16, wherein the investment target is an individual. 21. The investment method according to claim 16, wherein the investment target is a personal work. 22. The method according to claim 22, wherein the server device receives sales data of the work to be invested, and pays a price to a retailer selling the personal work in accordance with the sales data. The investment method according to claim 21, characterized in that: 23. transmitting investment target data from a server device to a mobile terminal device via a mobile network; receiving the investment target data by the mobile terminal device and informing a user of the investment target data; The mobile terminal device instructs investment in the investment target corresponding to the announced investment target data, and transmits an investment request signal to the server device; and the investment request signal by the server device. And storing at least a user identifier, an investment target identifier, and the investment amount data of the user with respect to the investment target in response to the investment request signal. Transmitting an identifier and investment amount data to a billing center; By the printer, based on the above investment data,
Updating the account management data of the bank account of the user specified in advance, automatically accessing the user's account, and performing a settlement process in accordance with the account management data; An investment method, comprising: storing the usage status of a user of a terminal device; and debiting a predetermined amount from an account of the user by the central management center in accordance with the stored usage status of the user. 24. The central management center stores a key for a bank account corresponding to the user, and the server device obtains the key for the account from the central management center, 24. The investment method according to claim 23, further comprising the step of performing a settlement process by accessing the. 25. The investment method according to claim 23, wherein the investment target is a group. 26. The investment method according to claim 23, wherein the investment target is an individual. 27. The investment method according to claim 23, wherein the investment target is a personal work. 28. The method according to claim 28, further comprising the step of receiving, by the server device, sales data of the copyrighted work to be invested, and paying a price to a retail store that sells the personal copyrighted work according to the sales data. 28. The investment method according to claim 27, characterized by: 29. Transmission / reception for transmitting investment target data to a mobile terminal device via a mobile network and receiving an investment request signal from the mobile terminal device to the investment target corresponding to the investment target data. Means for storing at least a user identifier, an investment target identifier, and investment data of the user for the investment target in response to the investment request signal; and the investment in response to the investment data for the investment target. Control means for calculating target value data and controlling the mobile terminal device to transmit interrupt information via the transmitting / receiving means in accordance with the value data. 30. The control means, wherein when the change of the value data of the investment target data is a predetermined value or more, the control unit causes the mobile terminal device to transmit the investment target identifier and the investment target value data as the interrupt information. 30. The server device according to claim 29, wherein the control is performed. 31. When the control means transmits a sale request signal for canceling the investment to the investment object previously instructed by the user via the transmission / reception means, in response to the sale request signal, 30. The server device according to claim 29, wherein control is performed so that the investment amount data of the user for the investment target stored in the storage unit is updated. 32. The server device according to claim 29, wherein the investment target is an organization. 33. The server device according to claim 29, wherein the investment target is an individual. 34. The server device according to claim 29, wherein the investment target is a personal work. 35. The transmission / reception means receives sales data of the work to be invested and pays a retailer selling the personal work in accordance with the sales data. The server device according to claim 34. 36. An investment target data is transmitted to a mobile terminal device via a mobile network, an investment amount data for the investment target is transmitted to a charging center, and the investment target data from the mobile terminal device is transmitted. Transmitting / receiving means for receiving an investment request signal for an investment object corresponding to the above, and storage means for storing at least a user identifier, an investment object identifier, and investment amount data of the user for the investment object in response to the investment request signal. And a control unit that updates the investment amount data according to the investment request signal, calculates the value data of the investment target, and controls the value data to be transmitted to the charging center. 37. The server device according to claim 36, wherein the investment target is an organization. 38. The server device according to claim 36, wherein the investment target is an individual. 39. The server device according to claim 36, wherein the investment target is a personal work. 40. The transmission / reception means receives sales data of the work to be invested, and pays a price to a retailer selling the personal work according to the sales data. The server device according to claim 39. 41. Transmission / reception means capable of receiving investment target data from a server device via a mobile network and transmitting an investment request signal from a user, and notifying the user of the investment target data. Means, investment instructing means for instructing investment in the investment object corresponding to the investment object data notified by the notifying means, and the interruption information from the server device received via the transmitting / receiving means. Control means for controlling the notifying unit to notify the user of the interrupt. 42. The mobile terminal device according to claim 41, further comprising display means, wherein said control means notifies said interrupt information to a user via said display means. 43. The mobile terminal device according to claim 41, wherein the investment target is an organization. 44. The mobile terminal device according to claim 41, wherein said investment target is an individual. 45. The mobile terminal device according to claim 41, wherein the investment target is a personal work.