JP2002245242A - Property management method, system, and property management program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a user to easily acquire information, such as current prices on a plurality of properties and the value of total properties. SOLUTION: A property management system 1, performing property management based on the property management information regarding a plurality of financial facilities Fa1-Fan provided by a user U, is provided with a computer system 3 for performing a process for registering the offered property management information of the user U and the identification information of a plurality of corresponding financial facilities on a DB 26 relatedly with the authentication information of the user U; a process for requesting a prescribed processing, based on the property management information to a plurality of financial facilities, corresponding to the registered property management information of the user U; and an execution process of property management based on the result information of the prescribed process sent from a plurality of requested financial facilities, respectively.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to an asset management method and system for managing assets based on a plurality of asset management information provided by a user, and an asset management program.

[0002]

2. Description of the Related Art With the arrival of the ultra-low interest rate era and the aging society, individuals and companies want to increase their assets by managing their own assets.

[0003] In addition to ordinary deposits,
Various types of stocks, mutual fund funds, foreign currency deposits, etc. are issued.

[0004] On the other hand, the above-mentioned assets have a possibility that profits (returns) can be obtained, but also have risks. The risks include, especially, market fluctuations caused by changes in asset prices due to interest rates, yen exchange rates, stock prices and the like. There are risks and credit risks that make the transaction infeasible due to, for example, the financial institution itself going bankrupt.

[0005] In order to minimize this market and credit risk, asset owners now have to concentrate on one asset for one financial institution, instead of investing in multiple assets for multiple financial institutions. Diversified investment, so-called risk diversified investment.

[0006]

However, as a risk diversification investment, an asset owner who owns a plurality of assets for a plurality of financial institutions is required to obtain the current price (market value) of each asset. , I had to contact each financial institution individually, which was very inconvenient.

[0007] Even if the market value of the corresponding asset is obtained from a plurality of financial institutions, the profit or loss must be calculated individually, and the more assets are owned, the more troublesome it becomes.

[0008] In particular, the asset owner cannot immediately grasp the current value of the total owned assets (balance of the total assets) because the owned assets are distributed to a plurality of financial institutions. For current asset owners, the market value information sent separately from individual financial institutions was not very effective information.

[0009] On the other hand, in the conventional financial transaction, when the asset owner manages the asset (for example, a purchase order at a set price and a reservation thereof), the asset owner only has a short period of the same day to one week. It was not possible to make a reservation, and it was difficult at the individual level to perform long-term and stable asset management for, for example, one year or more.

SUMMARY OF THE INVENTION The present invention has been made in view of the above circumstances, and provides an asset management method and system that allows a user to obtain information such as the market value of a plurality of assets and the value of a total asset very easily. It is a first object to provide a management program.

The present invention has been made in view of the above-mentioned circumstances, and provides an asset management method and system, and an asset management program, which enable long-term sales transactions relating to the asset at the individual level. This is the second purpose.

[0012]

According to a first aspect of the present invention, there is provided an asset management system for managing an asset based on information for asset management relating to a plurality of financial institutions provided by a user. A registration unit for registering the asset management information of the user and the identification information of the plurality of corresponding financial institutions in association with the authentication information of the user; and a registration unit corresponding to the asset management information of the registered user. Requesting means for requesting the financial institution to perform predetermined processing based on the asset management information, and performing the asset management processing based on the result information of the predetermined processing sent from the plurality of requesting financial institutions. Means.

[0013] In particular, in the first invention, the plurality of asset management information provided by the user includes identification information of a plurality of financial assets owned by the user with respect to a plurality of financial institutions. The requesting means has means for requesting a plurality of financial institutions corresponding to the plurality of financial assets of the user to provide market value information of the corresponding financial assets, and the means for performing the asset management processing comprises: Means are provided for receiving the market value information of the corresponding financial assets sent from the plurality of financial institutions and transmitting the market value information of the plurality of financial assets to the corresponding user.

[0014] Also, particularly preferably, the registration means, the request means and the means for performing the asset management processing are realized as processing based on a computer program, and can be communicated with the computer via a communication network. A communication terminal owned by the user, wherein the communication terminal transmits asset management information of a corresponding user and identification information of a plurality of corresponding financial institutions to the computer via the communication network; Means for transmitting the processing request to the computer via the communication network, and receiving the market value information of the plurality of financial assets transmitted via the communication network by the transmission means based on the processing of the computer, and the communication terminal Means for displaying via the display unit.

On the other hand, a second method for achieving the above-mentioned object is described.
According to the invention, there is provided an asset management method for performing asset management using a computer based on asset management information on a plurality of financial institutions provided by a user, the asset management information of the user and a plurality of Registering the identification information of the financial institution in association with the authentication information of the user; and providing a plurality of financial institutions corresponding to the registered user's asset management information to a predetermined financial institution based on the asset management information. Requesting processing; and performing asset management processing based on predetermined processing result information sent from a plurality of requesting financial institutions.

Further, according to the third aspect of the present invention for achieving the above object, asset management for causing a computer to execute asset management processing based on asset management information regarding a plurality of financial institutions provided by a user. Registering means for registering the computer with the user's asset management information and corresponding identification information of a plurality of financial institutions in association with the user's authentication information, and a registered user's asset management. Means for requesting predetermined processing based on the asset management information from a plurality of financial institutions corresponding to the business information, and based on the result information of the predetermined processing transmitted from the plurality of requested financial institutions. Function as means for performing asset management processing.

[0017]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of an asset management method and system and an asset management program according to the present invention will be described with reference to the drawings.

FIG. 1 is a diagram showing an overall configuration of an asset management system 1 according to an embodiment of the present invention.

As shown in FIG. 1, an asset management system 1
Is a mobile terminal (PHS, mobile phone,
And a communication terminal 2 such as a personal computer (PC) and a personal computer (PC), and an asset management computer system 3 constructed by an asset manager (asset management company), for example, who has concluded an asset management contract with the user U in advance. And a plurality of financial institutions Fa that handle financial assets (financial products) owned by the user U or financial assets (financial products) that the user U wants to own (purchase).
1 to a computer system 4a1 built in Fan
4an, and the communication terminal 2, the computer system 3, and the computer systems 4a1 to 4an
They can communicate with each other via a communication network 5 including a wired communication network / wireless communication network (in particular, when the communication terminal 2 is a portable terminal).

As a part of the asset management contract, the user U
The agent manager P has concluded a proxy agreement with the asset manager P regarding the purchase and sale of financial instruments owned or desired (purchased).

As shown in FIG. 1, the communication terminal 2 owned by the user U includes a computer 10 for performing processing of the entire terminal including a process of transmitting and receiving information to and from the computer system 3 of the asset manager P; , A memory 12 for storing data necessary for the processing of the computer 10, a display 13 for displaying information for the user U, and the computer 10 Operation unit 14 capable of inputting various processing requests
A communication interface 15 for interface processing based on a data communication protocol for accurately performing data communication via the communication network 5;
And a database (DB) 16 for accumulating and storing the information received by the control unit 0.

The DB 16 of the communication terminal 2 contains an asset manager P
Communication address information of the computer system 3 of the asset manager P and the asset manager P acquired at the time of the contract with the asset manager P
The designated financial institution account number is registered in advance.

As shown in FIG. 1, the computer system 3 of the asset manager P includes a communication terminal 2 of the user U and computer systems 4 of the financial institutions Fa1 to Fan.
a computer 20 for performing a process of the entire system including a process of transmitting and receiving information to and from a1 to 4an, and a program 2 for causing the computer 20 to execute the process.
1, a memory 22 for storing data necessary for the processing of the computer 20, a display 23 for displaying information to an asset manager (the operator in the case of a corporation) P, and an asset manager P (the An operation unit 24 capable of inputting various processing requests to the computer 20 by an operation of an operator); a communication interface 25 for interface processing based on a data communication protocol for accurately performing data communication via the communication network 5; And a database (DB) 26 for storing information received by the computer 20.

The DB 2 of the computer system 3
6, a personal identification number of the user U acquired at the time of the contract with the user U and communication address information of the communication terminal 2 to be used (registered telephone number, mail address, etc.) are registered in advance, and Financial institutions Fa1
Communication addresses of the computers 4a1 to 4an in the Fan via the communication network and each financial institution Fa1
指定 -Fan are registered in advance.

Similarly, the computer systems 4a1 to 4an of the financial institutions Fa1 to Fan perform processing of the entire system including information transmission / reception processing to / from the computer system 3 of the asset manager P as shown in FIG. While storing a computer 30 and a program 31 for causing the computer 30 to execute processing,
A memory 32 for storing data necessary for processing of the computer 30, a display 33 for displaying information to operators of the financial institutions Fa1 to Fan, and various processing requests can be input to the computer 30 by operation of the operator. An operation unit 34, a communication interface 35 for interface processing based on a data communication protocol for accurately performing data communication via the communication network 5, and a database (DB) for storing information received by the computer 30 36.

The communication address information of the computer system 3 of the asset manager P obtained at the time of the contract with the asset manager P is registered in advance in the DB 36 of each of the financial institutions Fa1 to Fan.

Next, the overall operation of this embodiment will be described.

First, the user U transfers in advance, in addition to the contract fee based on the asset management contract, the price necessary for buying and selling financial products to the designated account of the asset manager P.

The user U operates the operation unit 14 of the communication terminal 2 to register his / her financial product or financial product to be bought / sold as information for asset management when desired. Information {communication address information, PIN}, identification information of a financial instrument currently owned (already purchased) (eg, financial instrument name), identification information of a financial institution corresponding to the owned financial instrument (eg, (Financial institution name), identification information of a financial product to be traded via asset manager P, identification information of a financial institution corresponding to the desired financial product, set price (including the number of trades), and set period of the trade (including the number of trades) For example, a long period of one year or more is input to the computer 10 (FIG. 2; step S1), and the computer 10 transmits the input authentication information of the user U and identification information of the financial institution for asset management. Broadcast a via a communication network 5 such as to transmit to the computer system 3 asset managers P (Step S2).

For example, in the present embodiment, the user U has the financial institution Fa1 or Fa
2 financial products (for example, financial institution Fa1 → financial product A)
1, A2, financial institution Fa2 → financial instruments B1 to B3) are input, and financial instruments C of financial institution Fa3, the purchase order set price X, and the trading period Y are input as financial instruments to be purchased. .

At this time, the computer 20 in the computer system 3 of the asset manager P
And receives the authentication information of the user U and the asset management information including the identification information of the financial institution transmitted through the communication network 5 (step S3), and receives the received authentication information (communication address information, By checking the personal identification number) with the authentication information (communication address information and personal identification number) stored in the DB 26, it is determined whether or not the transmitted asset management information belongs to the authorized user of the communication terminal 2 ( Step S4).

If it is determined in step S4 that the user is not an authorized user, the received asset management information is invalidated, and the process ends (step S5).

On the other hand, if it is determined in step S4 that the user is an authorized user, the computer 20 associates the received authentication information and the asset management information including the identification information of the financial institution with each other, It is registered in the asset management DB 26 as a table T (step S6).

FIG. 3 is a diagram showing an asset management information table T registered in the asset management DB 26. As shown in FIG. 3, in the asset management information table T, for each user (its authentication information), the identification information of the financial products owned by all corresponding financial institutions and the identification information of the financial products to be purchased are associated with each other. be registered.

Next, the computer 20 transmits market price information requests for all the financial products A1 to A2, B1 to B3 and C to the corresponding financial institutions Fa1, Fa2 and Fa3, respectively (step S7).

The corresponding financial institutions Fa1, Fa2 and F
a3 computer systems 4a1, 4a2 and 4a
The third computer 30 obtains the market price of the requested financial product via, for example, the communication network 5 and transmits the obtained market price information of the corresponding financial products A1 to A2, B1 to B3, and C via the communication network 5. Computer 2
0 (step S8).

The computer 20 of the asset manager periodically receives the market value information of the transmitted financial products A1 to A2, B1 to B3, and C (step S9), and the financial product C to be purchased is currently purchased. If it is within the set period and the market value information has changed below the purchase set price (step S
10 → YES), the computer 20 transmits a buy order command to the corresponding financial institution 4a3 (step S).
11).

The computer 30 of the financial institution Fa3 makes a buy order in accordance with the buy order command (step S1).
2) When the buy order is executed, the contract result (buy order result) is transmitted to the computer 20 via the communication network 5 (step S13).

The computer 20 transfers the purchase amount based on the transmitted contract result to the account of the financial institution Fa3 (step S14), and transmits the contract result information when necessary or in response to a request from the communication terminal 2. Terminal 2
(Communication address) (step S15).

The contract result information transmitted to the communication terminal 2 is displayed on the display 1 by the processing of the computer 10.
3 is displayed (step S16).

As a result, the user U operating the communication terminal 2 can recognize the establishment of the buy order at a price lower than the set price by browsing the contract result information displayed on the display 13.

If the financial product C is not scheduled to be purchased but is scheduled to be sold and the set selling price X 'and the set selling agency Y' are set, in step S10, the computer 20 executes When the market value information of the product C changes to a value equal to or higher than the set selling price, a sell order command is transmitted.
To the user U by the same processing flow as in step S16.
By browsing the contract result information displayed on the display 13 of the communication terminal 2, it is possible to recognize the establishment of a sell order at or above the set price.

On the other hand, the user U who wants to know the market value information of the financial products A1 to A2 and B1 to B3 owned by himself / herself, regardless of the conclusion of the trade, operates the operation unit 14 when desired to obtain the authentication information { A request for transmitting market value information is input to the computer 10 together with the communication address information and the password # (FIG. 4; step S20). The information is transmitted to the computer system 3 of the asset manager P via the server (step S21).

The computer 20 of the asset manager P receives the user U's authentication information and market price information transmission request transmitted via the communication network 5 (step S2).
2), a plurality of financial products A1 to A2, B1 to B3 related to a plurality of financial institutions Fa1 to Fa2 based on the market value information of each of the owned financial products A1 to A2 and B1 to B3 of the user U received by the processing in step S9. (Portfolio, income balance, etc.) representing the current value of the total asset information (step S23), and the market value information of the owned financial products A1 to A2 and B1 to B3 and the created financial total asset value information Is transmitted to the communication terminal 2 (step S24).

The market value information and the total financial asset value information of the owned financial products A1 to A2 and B1 to B3 transmitted to the communication terminal 2 are displayed on the display 13 by the processing of the computer 10 (step S25).

As a result, the user U operating the communication terminal 2 receives the owned financial product A displayed on the display 13.
By browsing the market value information and financial total asset value information of each of 1 to A2 and B1 to B3,
It is possible to recognize real-time market value information of owned financial products and real-time value information of financial total assets (portfolio, balance of payments, etc.).

As described above, according to the present embodiment,
The user U who owns the communication terminal 2 only needs to register the trade setting price and the trade setting period in advance, and the computer U in the computer system 3 of the asset manager P is required.
By the mediation process of 0, continuous and stable sales transactions can be performed over a long period of time.

Further, in the present embodiment, even when the financial product owned by the user U who owns the communication terminal 2 has spread to a plurality of financial institutions, only the transmission request is made from the communication terminal 2 and all of the financial products are sent. Real-time market value information of each owned financial product can be obtained and browsed, and further, real-time value information (portfolio, income and expenditure balance, etc.) of owned financial assets can be visually recognized via the communication terminal 2. .

Therefore, it is possible to greatly reduce the burden on the user in obtaining the market value information of the financial product (financial asset) owned by the user, and furthermore, to manage the user's financial product (financial asset) including buying and selling. The burden associated with its operation can be significantly reduced while improving efficiency.

[0050]

As described above, according to the present invention,
Information such as market value and total asset value related to multiple assets related to multiple financial institutions can be easily accessed at any time by a single access via a communication terminal used by a user without accessing individual financial institutions. Can greatly reduce the burden on the user in obtaining information such as the market value of a plurality of financial assets owned by the user and the value of the total assets, thereby improving user satisfaction. it can.

Further, according to the present invention, since long-term sales transactions relating to the asset can be performed at the individual level, continuous and stable transactions of the financial asset can be performed over a long period of time, and the financial condition of the user can be secured. Asset management efficiency can be greatly improved.

[Brief description of the drawings]

FIG. 1 is a diagram showing an overall configuration of an asset management system according to an embodiment of the present invention.

FIG. 2 is a schematic flowchart illustrating an example of processing of a communication terminal, a computer of an asset manager, and a computer of a financial institution according to the embodiment of the present invention.

FIG. 3 shows D in the computer system of the asset manager.
The figure which shows the content of the asset management information table T registered in B.

FIG. 4 is a schematic flowchart illustrating an example of processing of a communication terminal, a computer of an asset manager, and a computer of a financial institution according to the embodiment of the present invention.

[Explanation of symbols]

 Reference Signs List 1 asset management system 2 communication terminal 3, 4a1-4an computer system 5 communication network 10, 20, 30 computer 11, 21, 31 program 12, 22, 32 memory 13, 23, 33 display 14, 24, 34 operation unit 15, 25, 35 Communication interface 16, 26, 36 Database (DB)

Claims (7)

[Claims] 1. An asset management system for performing asset management based on asset management information on a plurality of financial institutions provided by a user, the asset management information of the user and identification of a plurality of corresponding financial institutions. A registration unit that registers information in association with the authentication information of the user, and requests a plurality of financial institutions corresponding to the registered user's asset management information to perform predetermined processing based on the asset management information. An asset management system, comprising: a requesting unit; and a unit for performing an asset management process based on result information of a predetermined process sent from a plurality of requesting financial institutions. 2. The asset management system according to claim 1, wherein the plurality of asset management information provided by the user is identification information of a plurality of financial assets owned by the user with respect to a plurality of financial institutions. The requesting means includes means for requesting a plurality of financial institutions corresponding to the plurality of financial assets of the user to provide market value information of the corresponding financial assets, wherein the asset management process Means for receiving market value information of the corresponding financial assets sent from the plurality of requesting financial institutions, and transmitting the market value information of the plurality of financial assets to the corresponding user. And an asset management system. 3. The asset management system according to claim 2, wherein the means for performing the asset management processing includes, in addition to the market value information of the plurality of financial assets, the current asset information of the total asset information based on the plurality of financial assets. An asset management system, which is means for transmitting information indicating a value. 4. The asset management system according to claim 1, wherein the plurality of asset management information provided by the user includes identification information of a financial asset which the user currently owns or wants to own, and a trade setting of the financial asset. Including a price and a trading period, the requesting means includes means for requesting a plurality of financial institutions corresponding to the plurality of financial assets of the user to provide market value information of the corresponding financial assets, The means for performing the asset management process receives market value information of the corresponding financial assets sent from the plurality of requesting financial institutions, and receives the market value information of the received financial assets, the set selling price and the trading period of the financial assets. A determination means for determining whether or not to place a purchase order on the basis of the financial asset, and if the determination means determines to place a purchase order, the corresponding financial institution is Means for transmitting a sales order for a corresponding financial asset, means for receiving a financial asset sales order result transmitted from the financial institution, and transmitting the received sales order result to a corresponding user, Asset management system. 5. The asset management system according to claim 2, wherein the registration unit, the request unit, and the unit that performs the asset management process are realized as processes based on a computer program, and communicate with the computer. A communication terminal owned by the user capable of communicating via a network, wherein the communication terminal transmits the asset management information of the corresponding user and the identification information of the corresponding financial institutions to the computer via the communication network. Transmitting means, transmitting the predetermined processing request to the computer via the communication network, and market value information of the plurality of financial assets transmitted via the communication network by transmitting means based on processing of the computer Means for receiving and displaying via the display unit of the communication terminal. Characteristic asset management system. 6. An asset management method for performing asset management using a computer based on asset management information regarding a plurality of financial institutions provided by a user, the asset management method comprising: Registering the identification information of the financial institution in association with the authentication information of the user; and performing predetermined processing based on the asset management information for a plurality of financial institutions corresponding to the registered user's asset management information. And a step of performing an asset management process based on the result information of the predetermined process sent from the plurality of requesting financial institutions. 7. An asset management program for causing a computer to execute asset management processing based on asset management information regarding a plurality of financial institutions provided by a user, the computer comprising: Registering means for registering information and identification information of a plurality of corresponding financial institutions in association with the authentication information of the user; and managing the assets of the plurality of financial institutions corresponding to the registered user asset management information. Request means for requesting predetermined processing based on application information and means for performing asset management processing based on result information of predetermined processing sent from a plurality of requesting financial institutions. Management program.