JP2003091640A - Asset management method and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an asset management method and an asset management program capable of efficiently securing the customer's assets. SOLUTION: A customer sets up a purchase amount and a target profit of an account of foreign-currency deposit by Japanese yen. A management computer 21 sets up the outstanding balance of the foreign-currency deposit on the basis of the purchase amount and an actual currency exchange rate. Then the management computer 21 divides a target amount calculated by totalizing the purchase amount and the target profit by the outstanding balance of foreign-currency deposit to calculate a target rate, and records the target rate in a target rate data storing part 23. The target rate is calculated and updated even updating the outstanding balance of foreign-currency deposit. The management computer 21 compares the target rate stored in the target rate data storing part 23 with the actual currency exchange rate, and cancels the account of foreign-currency deposit, and changes money, when the actual currency exchange rate becomes more than the target rate.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an asset management method and an asset management program used to manage foreign currency assets of a customer and secure a target amount set by the customer.

[0002]

2. Description of the Related Art Today, a variety of financial products are offered to customers, including products based on foreign currencies. Such financial products include, for example, foreign currency deposits (foreign currency deposits) provided by financial institutions. The interest rate of this foreign currency deposit is determined by the interest rate level of the issuing country of the currency. Therefore, there is a possibility that high interest can be obtained by setting up a foreign currency deposit account in the currency of a country with a high interest rate level. Because of this, today
Foreign currency deposits are increasingly used in asset management.

[0003]

However, when performing asset management using foreign currency deposits or the like, it is necessary to consider the actual exchange rate that fluctuates frequently. In other words, since these assets are managed in foreign currencies and managed in foreign currency units, when grasping the asset status (profit and loss status) in other currencies (for example, the currency of the customer's own country), , It is necessary to calculate using the prevailing exchange rate. In particular, when a customer desires to provide asset status or cancel a foreign currency deposit account based on a preset profit and loss standard, it is necessary to calculate a profit and loss each time the actual exchange rate changes. Since the frequency of fluctuations in the actual exchange rate is high, this calculation involves a large load, and rapid processing may be difficult in some cases.

The present invention has been made to solve the above problems, and an object thereof is to provide an asset management method and an asset management program capable of efficiently and promptly securing a customer's assets (profit and loss). To provide.

[0005]

In order to solve the above problems, the invention according to claim 1 provides a target amount set in a first currency unit system and a second amount to obtain the target amount. A method for managing a customer's assets by using an asset data storage unit that records data relating to the amount of assets set in the currency unit system and a management computer that receives an actual exchange rate, wherein the management computer is The target exchange rate is calculated by dividing the target amount by the asset amount,
The first step of recording in the target rate data storage means is compared with the target exchange rate and the actual exchange rate received, and when the actual exchange rate reaches the target exchange rate, the target amount of the customer. And a second stage for performing processing for ensuring

According to a second aspect of the present invention, in the asset management method according to the first aspect, the target amount is the investment amount set in the first currency unit system, and the first currency unit system. And the target profit and loss set in
It is a summary that the asset amount is an asset that is purchased and managed with the investment amount.

The invention according to claim 3 is the invention according to claim 1 or 2.
In the asset management method described in (3), the summary is that the asset amount is the balance of the deposit account. The invention according to claim 4 is the asset management method according to any one of claims 1 to 3, wherein in the first step, the target exchange rate is calculated each time the asset amount is updated. The gist is to execute and record the calculated target rate in the target rate data storage means.

The invention according to claim 5 is the asset management method according to any one of claims 1 to 4, wherein:
The process of securing the target amount of the customer in the step of (2) is to dispose the amount of the asset and convert it to the asset of the first currency unit system.

The invention according to claim 6 is the asset management method according to any one of claims 1 to 5, wherein:
The process for securing the target amount of the customer in the step of (1) is to notify the customer that the target amount has been reached.

The invention according to claim 7 records data relating to the target amount set in the first currency unit system and the asset amount set in the second currency unit system to obtain the target amount. A property management program for managing a property of a customer by using a property data storage unit and a management computer that receives an actual exchange rate, wherein the management computer controls the target amount recorded in the property data storage unit. The first means for calculating and recording the target exchange rate by dividing by the asset amount is compared with the recorded target exchange rate and the actual exchange rate received, and the actual exchange rate is the target exchange rate. When the rate is reached, the gist is to function as a second means for performing processing for securing the target amount of the customer.

The invention according to claim 8 is the asset management program according to claim 7, wherein the target amount is the investment amount set in the first currency unit system, and the first currency unit system. It is configured to include at least the target profit and loss set in 1., and the summary is that the asset amount is an asset that has been purchased and managed with the investment amount.

The invention according to claim 9 is the invention according to claim 7 or 8.
In the asset management program described in (1), the asset amount is
The main point is that it is the balance of the deposit account. The invention according to claim 10 is the asset management program according to any one of claims 7 to 9, wherein the first means calculates the target exchange rate every time the asset amount is updated. The gist is to execute and record the calculated target rate in the target rate data storage means.

The invention according to claim 11 relates to claims 7 to 1.
0. In the asset management program according to any one of 0, the process for securing the target amount of the customer in the second means is to dispose of the amount of the asset and convert it into the asset of the first currency unit system. The main point is to perform processing for conversion.

The invention as defined in claim 12 is defined by claims 7 to 1.
In the asset management program described in any one of 1, the process for securing the target amount of the customer in the second means is to notify the customer that the target amount has been reached. .

(Operation) According to the invention described in claim 1 or 7, the management computer divides the target amount recorded in the asset data storage means by the asset amount to calculate the target exchange rate, The target exchange rate is compared with the received actual exchange rate, and when the actual exchange rate reaches the target exchange rate, processing for securing the target amount for the customer is performed. That is, since the target amount set in the first currency unit system is converted into the target exchange rate, the target exchange amount is compared with the actual exchange rate to execute the process for securing the target amount of the customer. Judgment can be made efficiently and quickly. Therefore, it is possible to more reliably secure the customer's assets with respect to the assets that are subject to high fluctuation frequency such as the exchange rate.

According to the invention as set forth in claim 2 or 8, the target amount is at least the investment amount set in the first currency unit system and the target profit / loss set in the first currency unit system. The asset amount is an asset that is purchased and managed with the investment amount. Therefore, the customer can more reliably secure the target amount by setting the target profit / loss.

According to the invention of claim 3 or 9, the amount of assets is the balance of the deposit account. Therefore, it is possible to more reliably secure the asset using the foreign currency deposit. Therefore, it is possible to provide a more convenient foreign currency deposit service to a customer who uses foreign currency deposits for asset management.

According to the invention of claim 4 or 10,
The target exchange rate is calculated every time the asset amount is updated, and the calculated target rate is recorded in the target rate data storage means. Since the target exchange rate is calculated by dividing the target amount by the asset amount, the target exchange rate can be set with certainty and the customer's assets can be managed more reliably. Also, for example, the frequency at which the amount of assets such as interest is updated is usually
Since it is lower than the fluctuation frequency of the actual exchange rate, if the target exchange rate is calculated at this stage, the execution determination of the process for securing the target amount of the customer can be made efficiently and promptly.

According to the invention of claim 5 or 11,
To secure the customer's target amount, dispose of the asset amount,
Processing for converting to the assets of the first currency unit system is performed. As a result, the customer can reliably secure the assets of the first currency unit system.

According to the invention of claim 6 or 12,
Notify the customer to secure the customer's target amount. This allows the customer to more surely understand the asset management status.

[0021]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to FIGS. In the present embodiment, an asset management method and an asset management program used for foreign currency deposit management for canceling foreign currency deposits (herein, foreign currency denominated ordinary deposits) that have reached the target set by the customer will be described. Here, "Japanese yen" is used as the first currency unit and "US dollar" is used as the second currency unit. The foreign currency deposit management system 20 is used for this asset management method. The foreign currency deposit management system 20 is a computer system that manages foreign currency deposits of customers.

As shown in FIG. 1, a customer terminal 10 and a financial information system 30 are connected to the foreign currency deposit management system 20 via a network N, respectively. The customer terminal 10 is a computer terminal used when a customer applies for a foreign currency deposit or the like. This customer terminal 10
Is used to transmit various data to the foreign currency deposit management system 20. The customer terminal 10 has a function of performing data communication with the foreign currency deposit management system 20, a function of displaying data, and the like. This customer terminal 10
Incorporates various programs for executing a data transmission / reception function, a data display function, etc. By executing these programs, the functions as a communication unit and a display unit are realized. Therefore, the customer terminal 10 has a control unit (CPU), a memory unit (RAM, RO) (not shown).
M etc.) and the like.

The foreign currency deposit management system 20 includes a management computer 21 as shown in FIG. The management computer 21 manages a customer's foreign currency deposit account. The management computer 21 is a computer having a control unit (CPU), a storage unit (RAM, ROM, hard disk, etc.) (not shown), and each unit (target) for executing data processing described below by executing the asset management program. It functions as an exchange rate calculation means, a target amount securing processing means, etc.).

The management computer 21 is connected to a foreign currency deposit account data storage unit 22 as an asset data storage unit and a target rate data storage unit 23 as a target rate data storage unit.

FIG. 2 shows the foreign currency deposit account data storage unit 22.
As shown in, foreign currency deposit account data 2 for each customer
Twenty is recorded. This foreign currency deposit account data 220
Is recorded when the customer has opened a savings account by submitting an application for a foreign currency savings account to a financial institution.

In this embodiment, the foreign currency deposit account data 22
0 is a foreign currency deposit account identifier, a yen deposit account identifier, a purchase amount as an investment amount, a foreign currency deposit account balance set in US dollars (US dollar denominated deposit account balance), and data related to a target profit set in Japanese yen. , Recorded in relation to each other. Here, the sum of the purchase amount and the target profit is the target amount.

In this foreign currency deposit account identifier data area,
In order to specify the customer's foreign currency deposit account, data relating to the foreign currency deposit account number, which is an identifier assigned by the financial institution when the foreign currency deposit account is opened, is recorded.

In the yen deposit account identifier data area, data relating to the customer's Japanese yen deposit account is recorded. This deposit account is a deposit account for depositing the amount of the canceled foreign currency deposit account converted into Japanese yen. For this deposit account, for example, an ordinary deposit account of a financial institution is used. Therefore, the yen deposit account identifier includes data on a financial institution identifier, a branch identifier, an ordinary or current account type, and an account number.

In the purchase amount data area, data relating to the amount (Japanese yen) at the time of setting the foreign currency deposit is recorded. That is, data on the Japanese yen invested to open a foreign currency deposit account is recorded.

In the foreign currency deposit account balance data area, data relating to the balance of the foreign currency deposit as the amount of assets is recorded.
This foreign currency deposit account balance is set in US dollars. When the daily interest is added based on the interest rate of the foreign currency deposit, the foreign currency deposit balance is updated.

In the target profit data area, data relating to the amount of target profit (Japanese yen) set by the customer is recorded as target profit / loss. The target profit is the target profit of the customer and is the profit obtained when the foreign currency deposit is cancelled. This profit is generated by interest on foreign currency deposits and foreign exchange gains. Specifically, it is calculated from the difference between the amount when the foreign currency deposit was purchased (Japanese Yen) and the amount when the foreign currency deposit was canceled (Japanese Yen).

As shown in FIG. 3, the target rate data storage unit 23 stores the target rate data 230 for each customer.
Is recorded. The target rate data 230 is recorded when the customer's foreign currency deposit account balance is set or updated. In the present embodiment, the foreign currency deposit account data 220 records data relating to the target rate in association with the foreign currency deposit account identifier. Here, this target rate is calculated by dividing the amount calculated as the target amount (the sum of the purchase amount set in Japanese yen and the target profit) by the foreign currency deposit account balance (US $) as the asset amount. .

The financial information system 30 is a computer system that provides financial information to the foreign currency deposit management system 20. This financial information system 30 holds various financial information, and provides the financial information to the foreign currency deposit management system 20 at any time. In the present embodiment, the prevailing exchange rate for the US dollar is provided.

Next, in the system configured as described above, a processing procedure for executing foreign currency deposit management is shown in FIG.
~ It demonstrates according to FIG. Here, the process of the customer setting up a foreign currency deposit account (Fig. 4), the process when the customer's account balance is recorded and updated (Fig. 5), and the process of continuously monitoring the profit of the customer (Fig. 4) 6) will be described separately.

First, the process at the stage where the customer sets up a foreign currency deposit account will be described with reference to FIG. The customer requests the financial institution to purchase a foreign currency deposit. In the present embodiment, the customer terminal 10 is used to transmit a foreign currency deposit purchase request to the foreign currency deposit management system 20 via the network N. This foreign currency deposit purchase request includes data on the customer's own yen deposit account identifier, the desired purchase amount of US dollars (Japanese yen), and the target profit (Japanese yen).

Upon receipt of this foreign currency deposit purchase request, the management computer 21 of the financial institution first obtains the latest actual exchange rate (here, the exchange rate of US dollars) from the financial information system 30 via the network N (S1-). 1).

Next, the management computer 21 calculates a foreign currency deposit account balance that can be set based on the desired purchase amount (Japanese yen) set by the customer (S1-2). Here, it is assumed that a dollar-denominated savings account (foreign currency deposit account) is set. That is, the desired purchase amount (Japanese yen) is converted into US dollars based on the prevailing exchange rate.

Then, the management computer 21 sets a dollar-denominated foreign currency deposit account having the calculated amount (US dollar) as a balance (S1-3). Specifically, the management computer 21 gives a foreign currency deposit account identifier, receives the customer's own yen deposit account identifier, the purchase amount in US dollars (Japanese yen amount required to open the foreign currency deposit account), The set target profit (Japanese yen) and the balance (US dollar) of the opened foreign currency deposit account are recorded in the foreign currency deposit account data storage unit 22.

Next, the management computer 21 performs a target rate setting process (S1-4). This process is shown in FIG.
Will be explained. First, the management computer 21 calculates a foreign currency deposit account balance including interest (S2-1). However, since there is no interest when setting up a foreign currency deposit account, the recorded foreign currency account balance (US $) is used as it is.

Next, the management computer 21 controls the foreign currency deposit account balance recorded in the foreign currency deposit account data storage unit 22,
A target rate is calculated based on the purchase price and the target profit (S2-2). Here, the profit in Japanese yen calculated from the foreign currency deposit account is the "foreign currency deposit balance (US $)" *
"Exchange rate"-"purchase amount (Japanese yen)". Therefore, the target rate is calculated by adding the purchase amount (Japanese yen) and the target profit amount (Japanese yen) and dividing the sum by the foreign currency deposit account balance (US $).

Then, the management computer 21 records the calculated target rate in the target rate data storage section 23 in association with the foreign currency deposit account identifier (S2-3). The target rate setting process and the foreign currency deposit account setting process are thus completed.

When the foreign currency deposit account is set, the management computer 21 monitors the foreign currency deposit account balance. Then, when the balance is changed, the above-described target rate setting process (FIG. 5) is performed. For example, the management computer 21 regularly adds daily interest to the foreign currency deposit account balance. The interest rate of foreign currency deposits is used for this interest calculation. In this case, as shown in FIG.
1 executes the above-mentioned calculation process of the foreign currency deposit account balance including interest (S2-1), the calculation process of the target rate (S2-2), and the recording process (S2-3).

Next, a monitoring process continuously executed by the management computer 21 will be described. This process will be described with reference to FIG. The management computer 21 receives the latest prevailing exchange rate each time the prevailing exchange rate of US dollars is updated from the financial information system 30 (S3-1). In this case, the management computer 21 compares the target rate recorded in the target rate data storage unit 23 with the latest actual exchange rate.

If the actual exchange rate is smaller than the target rate (“No” in step (S3-2)),
The management computer 21 continues the monitoring process as long as the foreign currency deposit account exists.

On the other hand, when the actual exchange rate is equal to or higher than the target rate ("Yes" in step (S3-2))
In the case of), the management computer 21 carries out cancellation processing of the foreign currency deposit account (S3-3). That is, the management computer 21 performs processing for converting US dollars in the foreign currency deposit account balance into Japanese yen. Specifically, first, the management computer 21 calculates the amount by converting the foreign currency deposit account balance into Japanese yen using the prevailing exchange rate. Then, the management computer 21 transmits an instruction for depositing the canceled foreign currency deposit asset to the customer's yen deposit account to a deposit account management system (not shown). This instruction includes the converted amount (Japanese yen) and the yen deposit account identifier recorded in the foreign currency deposit account data storage unit 22.

Then, the management computer 21 confirms that the foreign currency deposit account has been canceled and the yen deposit account has been deposited.
It is transmitted to the customer terminal 10 via the network N. By this notification, the customer knows his / her own asset status. With the above, the monitoring process is completed.

As described above, according to this embodiment, the following effects can be obtained. In the above embodiment, the target rate is stored in the target rate data storage unit 23.
This target rate is calculated by the management computer 21 based on the purchase amount, the foreign currency deposit account balance, and the target profit recorded in the foreign currency deposit account data storage unit 22. As a result, the management computer 21 can determine the closing time of the foreign currency deposit account by comparing this target rate with the actual exchange rate acquired from the financial information system 30. In particular, financial information such as exchange rates is constantly changing.
In this embodiment, since the target rate is recorded in the target rate data storage unit 23, the management computer 21
The cancellation decision can be made each time without using the foreign currency deposit account balance to calculate the target profit set by the customer. Therefore, it is possible to reduce the load on the management computer 21 and efficiently provide the service. In particular, when the number of foreign currency deposit accounts is large with respect to the prevailing exchange rate, which has a high fluctuation frequency, there is a low possibility that the cancellation period will be missed, which is effective.

In the above-described embodiment, the management computer 21 receives the actual exchange rate each time the US dollar exchange rate is updated from the financial information system 30, and sets the target rate recorded in the target rate data storage unit 23. Compare the current exchange rates. Therefore, it is possible to secure the profit of the customer without losing the timing.

In the above-described embodiment, the management computer 21 monitors the foreign currency deposit account balance and performs the target rate setting process when the balance is changed. Therefore, if the foreign currency deposit account balance is changed, such as when daily interest is added to the deposit account balance, the customer's profit can be accurately secured.

In the above embodiment, the customer sets a target profit amount in Japanese yen. Therefore, the customer can set the target profit without considering the exchange rate. Therefore, the foreign currency deposit that can be used more easily can be provided to the customer.

In the above embodiment, the foreign currency deposit account data storage unit 22 is associated with the foreign currency deposit account identifier,
The customer's yen deposit account identifier is recorded. Therefore, the management computer 21 can quickly return the amount of money, which is obtained by converting the canceled foreign currency deposit account balance into Japanese Yen, to the customer.

The above embodiment may be modified into the following modes. In the above embodiment, the foreign currency deposit of US dollar (second currency unit) requested in Japanese yen (first currency unit) has been described. As the first and second currency units, another currency unit, for example, a combination of euro and US dollar may be used.

In the above-described embodiment, the foreign currency deposit balance is used as the amount of assets, but the present invention can be applied to asset indexes such as foreign stocks and receivables whose asset value fluctuates based on the prevailing exchange rate.

In the above embodiment, the target profit is used as the target profit / loss, but the total amount (Japanese yen) obtained when the foreign currency deposit is canceled may be recorded as the target amount. In this case, the target rate is the total amount divided by the foreign currency deposit account balance.

In the above embodiment, the customer is the customer terminal 1
Use 0 to make a foreign currency deposit purchase request. Then, based on this request, the management computer 21 records predetermined data in the foreign currency deposit account data storage unit 22. Alternatively, the receiving financial institution may record the foreign currency deposit account data 220 in the foreign currency deposit account data storage unit 22 based on the foreign currency deposit application submitted by the customer. This allows
It is possible to secure the degree of freedom for customers to apply for foreign currency deposit.

In the above-described embodiment, the foreign currency deposit account data storage unit 22 records data regarding the target profit set by the customer. Alternatively, the amount of loss that the customer can tolerate may be recorded. In this case, the customer's loss amount is “purchase amount” − “foreign currency deposit balance” * “exchange rate”. Therefore, the target rate is the amount calculated by subtracting the allowable loss amount (Japanese yen) from the purchase amount (Japanese yen) (target amount).
Is divided by the foreign currency deposit account balance (US $). Then, the management computer 21 performs cancellation processing when the actual exchange rate becomes equal to or lower than this target rate. Also in this case, the management computer 21 can efficiently make the determination without calculating the loss amount each time the actual exchange rate changes. Therefore, the customer can keep the loss within an acceptable range.

Both the target profit and the allowable loss amount may be recorded in the foreign currency deposit account data storage unit 22.
In this case, the management computer 21 records the target rate calculated from each in the target rate data storage unit 23. Then, when the actual exchange rate deviates from the range, the management computer 21 executes cancellation processing.
As a result, the management computer 21 can efficiently and promptly make a cancellation decision, and can more reliably secure the profit of the customer with respect to the actual exchange rate that frequently changes.

In the above embodiment, the management computer 21 executes the cancellation processing of the foreign currency deposit account when the actual exchange rate becomes equal to or higher than the target rate. Alternatively, the management computer 21 may notify the customer of the cancellation confirmation when the actual exchange rate becomes equal to or higher than the target rate. This can prompt the customer to make a decision. In this case, the degree of freedom of the customer's judgment can be secured.

In the above embodiment, the purchase rate (Japanese yen) and the target profit amount (Japanese yen) are added, and the result is divided by the foreign currency deposit account balance (US $) to be the target rate. Alternatively, other amounts (eg fees and taxes) may be considered. For example, in the case of a commission, the target amount is calculated by adding the purchase amount (Japanese yen), the target profit amount (Japanese yen) and the fee (Japanese yen). Then, the target rate is obtained by dividing the target amount by the foreign currency deposit account balance (US $). This also
By comparing the calculated target rate and the actual exchange rate,
The management computer 21 can determine the cancellation period efficiently and quickly.

Further, the fee may be denominated in US dollars. In this case, the target profit is "foreign currency deposit balance" * "exchange rate"-"purchase amount"-"commission (US dollar)" * "exchange rate". Therefore, the target rate can be calculated as a target amount (“target profit” + “purchase amount”) divided by (“foreign currency deposit balance” − “commission”).

Further, a method of adding a surcharge may be used. In this case, the target rate calculated in step (S2-2) is multiplied by the surcharge amount to calculate the target rate.

In the above embodiment, the purchase rate (Japanese yen) and the target profit amount (Japanese yen) are added, and the result is divided by the foreign currency deposit account balance (US $) to be the target rate. Instead of this, the target rate may be set based on the allowable loss amount in consideration of other amounts (for example, fees and taxes). For example, in the case of a commission, the target amount is calculated by subtracting the allowable loss amount (Japanese yen) and the fee (Japanese yen) from the purchase amount (Japanese yen). Then, as the target rate, a value obtained by dividing the target amount by the foreign currency deposit account balance (US $) is used. Also by this, the management computer 21 can determine the cancellation period efficiently and promptly by comparing the calculated target rate and the actual exchange rate.

Further, the fee may be denominated in US dollars. In this case, the allowable loss amount is "purchase amount"-"foreign currency deposit balance" * "exchange rate"-"commission (US dollar)" *
"Exchange rate". Therefore, the target rate can be calculated as a target amount (“purchase amount” − “allowable loss amount”) divided by (“foreign currency deposit balance” + “commission”).

Further, a method of adding a surcharge may be used. In this case, as the target rate, the surcharge amount is added to the target amount calculated by subtracting the allowable loss amount (Japanese yen) from the purchase amount (Japanese yen) divided by the foreign currency deposit account balance (US $). Use one.

In the above embodiment, a foreign currency-denominated ordinary deposit is used as the asset set in the second currency unit system,
Alternatively, it may be a deposit that can be paid out, such as a fixed deposit, a notification deposit, or a savings deposit balance. In this case, the management computer 21 calculates a fee and the like based on the type of deposit account. Then, the target rate is calculated based on this fee and the like. This makes it possible to set an appropriate target rate for various financial products.

In the above embodiment, the customer terminal 10 / foreign currency deposit management system 20 and the foreign currency deposit management system 20 are connected.
/ The financial information systems 30 are connected via the network N. This network N has the Internet,
You may connect using a local area network (LAN) or a wide area network (WAN).

[0067]

As described in detail above, according to the present invention,
Customers' assets can be efficiently secured against exchange rates that change frequently.

[Brief description of drawings]

FIG. 1 is a system schematic diagram of an embodiment of the present invention.

FIG. 2 is an explanatory diagram of data recorded in a foreign currency deposit account data storage unit.

FIG. 3 is an explanatory diagram of data recorded in a target rate data storage unit.

FIG. 4 is an explanatory diagram of a processing procedure of this embodiment.

FIG. 5 is an explanatory diagram of a processing procedure of this embodiment.

FIG. 6 is an explanatory diagram of a processing procedure of this embodiment.

[Explanation of symbols]

21 ... Management computer, 22 ... Foreign currency deposit account data storage unit as foreign currency deposit account data storage unit, 23 ... Target rate data storage unit as target rate data storage unit.

Claims (12)

[Claims] 1. A target amount set in a first currency unit system,
And a method for managing a customer's assets by using an asset data storage unit that records data relating to an asset amount set in a second currency unit system to obtain the target amount and a management computer that receives an actual exchange rate. In the first step, the management computer calculates a target exchange rate by dividing the target amount by the asset amount, and records the target exchange rate in the target rate data storage means, and receives the target exchange rate. A second step of comparing with a prevailing exchange rate and performing processing for securing the target amount of the customer when the prevailing exchange rate reaches the target exchange rate. Management method. 2. The target amount is configured to include at least an investment amount set in the first currency unit system and a target profit / loss set in the first currency unit system, and the asset amount is The asset management method according to claim 1, wherein the asset is an asset that has been purchased and managed with the investment amount. 3. The asset management method according to claim 1, wherein the asset amount is a balance of a deposit account. 4. The first step is characterized in that the target exchange rate is calculated each time the asset amount is updated, and the calculated target rate is recorded in the target rate data storage means. Item 1. The asset management method according to any one of Items 1 to 3. 5. The process for securing the target amount of the customer in the second step is to dispose of the asset amount and convert it to the asset of the first currency unit system. The asset management method according to any one of claims 1 to 4, which is characterized. 6. The process for securing the target amount of the customer in the second stage, wherein the process notifies the customer that the target amount has been reached. Asset management method described in section. 7. A target amount set in the first currency unit system,
And an asset data storage means for recording data relating to the asset amount set in the second currency unit system to obtain the target amount, and an asset management computer for receiving the actual exchange rate, for asset management of the customer. A management program, wherein the management computer calculates and records a target exchange rate by dividing the target amount recorded in the asset data storage unit by the asset amount; Second means for comparing the recorded target exchange rate with the received actual exchange rate, and when the actual exchange rate reaches the target exchange rate, executes a process for securing the target amount of the customer. An asset management program characterized by functioning as. 8. The target amount is configured to include at least an investment amount set in the first currency unit system and a target profit / loss set in the first currency unit system, and the asset amount is The asset management program according to claim 7, wherein the asset is an asset that has been purchased and managed with the investment amount. 9. The asset management program according to claim 7, wherein the asset amount is the balance of a deposit account. 10. The first means performs calculation of the target exchange rate each time the asset amount is updated, and records the calculated target rate in the target rate data storage means. Item 10. The asset management program according to any one of items 7 to 9. 11. The process for securing the target amount of money of the customer in the second means comprises the process of disposing of the amount of the asset and converting it to the asset of the first currency unit system. The asset management program according to any one of claims 7 to 10, which is characterized. 12. The process for ensuring the target amount of the customer in the second means notifies the customer that the target amount has been reached, according to any one of claims 7 to 11. The asset management program described in Section.