JP2003141366A - Investing method, device for investment and investment system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an investing method, device for investment and investment system which can increase large profits without exposing a customer's investment fund to, for example, a danger of falling below par so that they are attractive to both a customer and a financial institution. SOLUTION: This investing method appropriates as investment financial funds a partial portion or the entire of an interest amount set by the financial institution with respect to original investment invested by the customer to option purchase based on customer's prediction to a prescribed phenomenon on a prescribed date and also repeatedly performs the option purchase during predetermined prescribed period of time.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an investment method, an investment device, and an investment system for purchasing an option product by using an interest source or the like generated from a customer's investment principal as an investment source.

[0002]

2. Description of the Related Art There are various types of financial products, such as those with low risk of loss of principal and high stability, those with high risk but high yield. Yen deposits and foreign currency deposits have low risk of loss of principal. Further, as high-yielding financial products, there are investment trusts, deposit products that involve the buying and selling of various options, and derivatives (financial derivatives) such as option trading, swap trading and futures trading.

[0003] Foreign currency deposits may generate profits or losses due to fluctuations in foreign exchange, for example, when the foreign currency deposited is exchanged for yen. However, if fluctuations in foreign exchange are small, they will not be so affected. . In other words, it is unlikely that it will generate large profits, but it is unlikely that it will make large profits.

On the other hand, a high-yielding financial product may have a significant loss of principal (cause a large profit or loss), but may have a large possibility of making a large profit. High-yield products provided by financial institutions are more gambling than deposits, but their risks are usually hedged.

[0005] For example, an investment trust is a financial product in which a financial institution (fund manager) who deposits investment resources from customers collects investment funds from a large number of customers and manages the investment funds on behalf of the customers. As a management method, usually, a part of the fund is managed as a purchase fund for a highly profitable investment target, and the rest is managed as a purchase fund for a highly stable investment target. In other words, an investment trust can be said to be a financial product in which a fund manager who is a financial professional requested by a client to manage funds hedges a certain risk while balancing profitability and stability. Generally, for other high-yield products such as stock investment and futures investment, hedging the risk by investing a part of the investment resources for highly profitable fund management and the rest for stable fund management. The method to do is taken.

[0006]

As described above, a high-yield financial instrument has a low risk of losing a portion invested in a stable investment target with a low fluctuation ratio. Also,
There may be cases where high profits are obtained for those parts that have been invested in highly profitable investment targets with relatively high fluctuation ratios. Moreover, the investment is managed by a financial manager such as a fund manager on behalf of the customer.

However, no matter how much financial professionals do the operation, it is impossible to completely anticipate changes in market conditions. Therefore, it is undeniable that a certain amount of risk may be incurred even if a certain amount of risk is hedged. In particular, it is not unlikely that the investment target with a high fluctuation ratio and high profitability will be misread and the investment fund will be significantly lost (making a large profit or loss). When such a situation occurs, although the customer hedges a certain amount of investment funds, it may lead to a situation in which the entire investment funds fall below the principal.

[0008] In addition, if the high-yield financial product is structured to purchase a currency option,
There is also a risk of loss when the principal currency, which is the investment fund, is exchanged for another currency. Furthermore, if the high-yield financial product has a mechanism for purchasing stock options, etc., there is a risk that losses will occur when the principal currency, which is the investment fund, is exchanged for stocks.

Further, if the customer is not satisfied with the above-mentioned high-yield financial product with the usual risk hedging and expects a further profit, a financial product without the risk hedging, for example, a normal futures transaction. Ordinary stock trading and so on. When such funds are managed, there is a high possibility that the customer's loss will increase further.

The present invention has been made in order to solve the above-mentioned problems, and it is possible to make a large profit without exposing the investment fund of the customer to the risk of the loss of the principal, for example. It is an object of the present invention to provide an investment method, an investment device, and an investment system that are attractive to both financial institutions and financial institutions.

[0011]

In order to achieve such an object, according to the investment method of the present invention, the interest amount set for the investment source is invested as the option purchase cost, so that at least the investment principal is invested. Can be exercised without any reduction. That is, from the customer's point of view, even if the option purchase causes a loss, the investment principal is guaranteed to be refunded. On the other hand, since interest is used as an investment source to purchase options repeatedly during a predetermined period, the customer's expectation will be met each time, and the longer the hit period, the greater the profit.

Further, according to another investment method of the present invention, the interest amount set for the investment source is distributed according to the number of times the option is purchased, and the distributed amount is input as the option purchase cost. , At least the exercise date can be reached without reducing the investment principal. Therefore, from the customer's point of view, the refund of the investment principal is guaranteed even if the option purchase causes a loss. On the other hand, since interest is used as an investment source to purchase options repeatedly during a predetermined period, the customer's expectation will be met each time, and the longer the hit period, the greater the profit. Moreover, since the investment resources initially invested in the option purchase are distributed according to the number of option purchases, there is a risk that the investment resources that will become the option purchase costs will disappear during the contract period using the investment method. In other words, there is always the potential for customers to make a profit during the contract period.

In another investment method of the present invention, option purchase is repeated within a predetermined period of time, and (1) an investment source invested by a customer is used as a source of investment for the purchase of the option. Part or all of the interest set by the financial institution for the book, (2)
Distribution that distributes part or all of the above interest depending on the number of purchases of the option, (3) Part or all of the commission paid to the financial institution when the customer invests,
(4) Distribution in which part or all of the above fees are distributed according to the number of times the option has been purchased, (5) A portion of the above investment principal and any of the above (1) to (4) , (6) Part or all of the profits obtained by exercising the rights of the above options and the above (1) to (4)
(7) A combination of (5) with a part or all of the profits obtained by exercising the rights of the above options, (8) Above (1)-
It is characterized in that the customer can select at least two of combinations of (7) as appropriate.

Therefore, the customer can select the investment resource operation mode according to his or her needs. For example, if an option purchase causes a loss,
Customers (customers seeking a guarantee of investment principal) who want at least 100% of the investment principal to be refunded on the date of exercise of rights shall purchase the investment resources for the option purchase from (1), (2) and (6) above. This can be achieved by making a selection. In addition, in situations where interest rates are low, the above (3) (4)
By selecting “etc.”, handling fees can be used instead of interest payments as investment resources. in addition,
Customers who want a guarantee of the investment principal and want to make sure that they repeatedly purchase the option until the end during the contract period, especially (2) above, in addition to the condition of guaranteeing the investment principal, A customer who expects to make a large profit from the purchase of an option can realize it by selecting (6) above.

In addition to expecting a large profit compared with the above (1), (2) and (6), when a loss is caused by the purchase of an option, on the contrary, even if a part of the investment principal disappears, it stops. The customer who thinks that he / she does not obtain can realize it by selecting the above (5). In addition, a customer who expects a larger profit than this (5) can realize it by selecting the above (7). In addition, if the customer selects (8), the above (1) to (7) are appropriately changed during the contract period in which the investment method is used (when selecting by myself or appropriately set to the financial institution). It is also possible to appropriately include a clause such as (1) from a certain period to a certain period and then changing to (6) at the time of contract, for example.

The investment device of the present invention is an investment device that can be connected from a customer terminal device via a high-speed communication network and can input / output transaction information with a connected customer. It is characterized in that it can perform at least one of application for purchase of financial derivative products and early termination using either investment method. Therefore, the sales management device can accept an application for purchasing a financial derivative product by inputting transaction information with the customer from the customer terminal device. Therefore, the customer can purchase a financial derivative product using the investment method having the above-mentioned characteristics, without using a financial institution, by using the terminal device connected to the high-speed communication network. .

An investment device according to another invention is a customer information database in which customer information including an account number is recorded,
Connected to each database, a product database in which the contents of various products are recorded, an investment information database in which investment information including applicable interest rates is recorded, a sales management database in which various data for each product purchased by each customer is recorded When the management server is provided with a management server capable of inputting / outputting the customer's personal information and transaction information, and the customer's personal information is input to the management server, the customer information database is referred to based on the input information and Authenticate, disclose to the certified customer the product database and investment information database, disclose the products that the financial institution can provide to the customer when the information is input, and By entering the transaction conditions, you can apply for the purchase of a financial derivative product that uses the above investment method under the input conditions and The is characterized in that manage to enter to the sales management database.

Therefore, when the customer's personal information is input to the management server, the management server authenticates the customer, extracts various necessary data from each database, and provides the customer with the data. You can apply for purchase. In addition, the transaction information is registered in the sales management database, and if necessary (for example,
It is also possible to automatically withdraw it at the time of early termination or maturity. That is, the application by the customer and the management by the financial institution are easy.

Further, the investment system of the present invention is an investment system which operates any of the above-mentioned investment methods, and is connectable from a customer terminal device of a customer through a high-speed communication network and connected to the connected customer. By providing the investment device capable of inputting and outputting the transaction information, the customer can purchase a financial derivative product using the investment method by using the customer terminal device. for that reason,
By operating the system, the customer can use the customer terminal device connected to the high-speed communication network without visiting a financial institution and use the investment method having the above-mentioned features to obtain a financial derivative product. You can make purchases.

Further, another investment system of the present invention is an investment system that operates any of the above-mentioned investment methods, and by inputting the personal information of a customer, the customer is referred to while referring to the input information. Certify, and after certification,
It is characterized in that it is possible to apply for the purchase of a financial derivative product using the above investment method by inputting the transaction conditions desired by the customer.

[0021]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the investment method, investment apparatus and investment system of the present invention will be described below.

Before describing the embodiments of the investment method, investment apparatus, and investment system of the present invention, the features of the financial derivative product operated by the investment method of the present invention will be described.

The first feature of the financial derivative product operated by the investment method of the present invention is that the investment source deposited by the financial institution from the customer during a predetermined period set in advance is set to a predetermined date. The point is that it will continue to be applied to the purchase costs of options. As will be described later, investment resources are those that use interest, etc. set in the investment principal,
It is used for purchasing the option. The funds used for investment resources will be described later by type with reference to FIGS. 2, 3 and 4.

Since the financial derivative products managed by the investment method of the present invention use interest and repeatedly invest this, even if the investment source is not so large, the customer's expectation will continue to be met. In the end, it will lead to very large profits.

The second characteristic point of the financial derivative product managed by the investment method of the present invention is that the entire investment principal or a part determined by the customer's selection is not applied to the option purchase cost. . Therefore, this unpaid portion is ultimately guaranteed to be refunded. As a result, even if the customer loses the investment resource which is unexpected and becomes the option purchase cost, the amount of the investment resource to be lost falls within the range selected by the customer in advance.

The third characteristic point of the financial derivative product managed by the investment method of the present invention is to predict a predetermined phenomenon on a predetermined date, for example, a yen appreciation (put) or a yen depreciation (call).
The point is to purchase an option that allows you to exercise your right when this expectation is met. Therefore, the will of the customer will be added to the purchase of the option, and it will be an interesting financial derivative product with a high game property that is not left to the financial institution.

Moreover, as described in the above-mentioned first and second characteristic points, even if the customer's expectations are distorted and the rights cannot be exercised and investment resources are lost, the investment principal is not diminished. Moreover, on the contrary, if the customer's expectations are continuously met, it is possible to generate a very high profit. For this reason, it becomes possible for a financial institution to take in a customer segment that has traditionally emphasized safety and has not been so interested in high-yield financial products as users of the financial derivative products.

Next, the basic concept of a financial derivative product operated by the investment method and investment device of the present invention will be described.

The investment method of the present invention begins with a customer depositing an investment principal with a financial institution, that is, requesting the financial institution to manage the funds. And financial institutions
Interest is set on the deposited investment principal (eg, time deposit). In the investment method of the present invention, options such as a financial option and a commodity option are purchased by using the interest money as an investment source (details will be described later).

That is, customers (including institutional investors)
A given phenomenon on a given date in a given period, such as whether the exchange rate on a given date after a given number of days has risen or falls with respect to the exchange rate on a certain reference date, Predict when purchasing. Then, buy the option based on this forecast, that is, buy the option to increase the exchange rate if you anticipate that the exchange rate will rise, and purchase the option to decrease the exchange rate if you anticipate that the exchange rate will fall. To do. When a customer purchases an option and exercises the right, the financial institution is obliged to pay the exercise.

In the present invention, the option purchase based on this prediction is repeatedly performed in a predetermined cycle (for example, at the end of every month) during a predetermined period. If the forecasts of each round are continuous, you can get a big profit. On the contrary, if it is not expected, the customer will lose the investment resources used to purchase the option. However, as will be described later in detail, since the investment source is only interest and profits, the investment principal initially deposited by the customer at the financial institution is guaranteed.

The concept of the investment method of the present invention will be described below with reference to FIG.
It will be described in more detail with reference to FIG. FIG. 1 is a diagram for explaining an example of a customer's expectation, which is a basis of option purchase. FIG. 2 is a table showing fluctuations in investment resources and profits during a predetermined period when the investment resources are the sum of all interest and profits. Fig. 3 shows the total amount of interest (monthly interest) used as the source of investment, and the income earned by each option purchase is incorporated into the investment principal for operation at each predetermined date during the predetermined period. It is a table showing changes in investment principal, interest, investment source, and profit. FIG. 4 is a diagram showing a relationship between an investment principal that a customer deposits with a financial institution, an interest amount set by the financial institution with respect to the investment principal, and an investment source to be used for purchasing an option. FIG. 13 is a diagram mainly for explaining investment resources.

FIG. 1 is a diagram for explaining the basic concept when the option purchased by the customer is a currency option. An example of a currency option in the following description is a weak / strong yen call / put digital option (cash or nothing). That is,
This option is for the customer to predict whether the rate of the Japanese yen against the US dollar will be higher or lower for a given date with respect to a certain base date, and will be purchased based on that prediction.

This call / put digital option (cash or nothing) allows the customer to exercise the right of the purchased option if the customer's expectation on the predetermined date is correct, thereby making an investment. It is designed to receive about twice the amount. There are various types of investment resources to be used as the option purchase cost as shown in FIGS. 2, 3 and 4, but the investment source is mainly set to the investment principal deposited by the customer at the financial institution. Interest payments.

The options purchased in the financial derivative products using the investment method of the present invention are not limited to the digital options (cash or nothing) described above, but stock options, interest rate options, and other currencies. Various financial options such as options. Financial options consist of two types, plain vanilla options and exotic options. All the options except the plain vanilla option are exotic options. There are various exotic options, but typical examples are the digital options (cash or nothing), digital options AON (asset or nothing), average options, lookback options, barrier options, etc. There is. All of these can be options to purchase in a financial derivative utilizing the investment method of the present invention. Further, not only financial options but also various commodities such as various commodities options such as precious metal options and cereal options can all be options purchased in financial derivatives utilizing the investment method of the present invention.

Further, in the example described below, the customer predicts whether the rate of the Japanese yen against the US dollar at a predetermined date is stronger or weaker. It is not particularly limited to this.
For example, TOPIX, Nikkei, Dow, NASDAQ, etc., various exchange rates, various financial indices, various financial futures indices, and other numerical values of financial products that are publicly invested may be used as the index. . In addition, it may be possible to change the index to be used halfway during the continuous investment period. That is, the first forecast may be a yen / dollar exchange rate forecast, and the next forecast may be a dollar / euro exchange rate forecast.

The option of purchasing a financial derivative using the investment method of the present invention can be applied not only to the over-the-counter market but also to the listed market both domestically and overseas. For example, CBOE (Chicago Board Option Exchang
Even options such as e) and CME (Chicago Mercantile Exchange) that are handled in listed markets, which are handled in markets such as CME (Chicago Mercantile Exchange), can be applied as options to purchase in financial derivatives using the investment method of the present invention.

In the example shown in FIG. 1, which is an example of purchasing a call / put digital option (cash or nothing), the customer's first forecast of the predetermined due date is the predetermined due date. The yen rate against the US dollar on January 31, 2000 is the reference date of December 1999.
The yen has appreciated against the yen rate on the 31st of each month.
The second expected due date is 2000
The yen rate against the US dollar on February 29, 2000 is stronger than the yen rate on January 31, 2000, which is the base date. The next forecast is March 31, 2000
The yen rate against the US dollar on February 29, 2000
The yen is depreciating against the yen rate on the day. Furthermore, the next forecast is that the yen rate against the US dollar on April 30, 2000 will depreciate against the yen rate on March 31, 2000, and the next forecast will be May 3, 2000.
Yen exchange rate against the US dollar on the 1st of April 3, 2000
The yen has appreciated against the yen rate on day 0.

[0039] Thus, the customer can calculate, for example, the forecast at each predetermined date during a predetermined period (for example, one year) by
This is done at the time of purchasing the financial derivative product. That is, buy the option. In this example, when purchasing the financial derivative product, call (yen depreciation) /
We have made all forecasts for puts (strong yen), but this is not the only option. For example, the forecast for the first predetermined date may be made at the time of applying for the purchase of the financial derivative product, and the second and subsequent forecasts may be made each time, that is, before the predetermined period of the corresponding predetermined date. in addition,
The forecast for the first predetermined date may be made not after the application for purchasing the financial derivative product but after the purchase application and before the predetermined period of the first predetermined date.

Further, in this example, the forecast of the call (yen depreciation) / put (yen strengthening) at each predetermined date is made with the previous predetermined date as the reference date, but the present invention is not limited to this. That is, the reference date can be arbitrarily set as long as it is a date before the predetermined date when the option is purchased. For example,
The reference date may be the application date for purchasing the financial derivative product. In addition, for example, the forecasts of call (yen depreciation) / put (yen appreciation) on all predetermined dates after the first time are all based on the yen rate on the same reference date (for example, December 31, 1999). It may be performed.

Next, with reference to FIG. 2, FIG. 3 and FIG. 4, the investment resources to be used for the option purchase cost based on the customer's expectation described above will be described in more detail.

When a customer deposits an investment principal with a financial institution as a fund for purchasing a financial derivative product using the investment method, the financial institution sets an interest amount on the investment principal. For example, assuming that the investment principal is 100,000 USD and the interest rate set by the financial institution is 3.60% per year, the interest amount 3 is 3600 USD per year and 300 USD per month. Further, for example, if the investment principal is 10 million yen and the interest rate set by the financial institution is 0.48% per annum, the interest will be 48,000 yen per year and 4000 yen per month. That is, the customer can receive the interest amount corresponding to the investment principal by depositing (deferring) the investment principal for a predetermined period.

The investment principal may be any currency as long as it generates interest or profit such as national currency, commodity purchase money, bond purchase money, securities purchase money, stock purchase money and the like. In addition, the explanation here is based on the assumption that the customer deposits a time deposit, which is the investment principal, at a financial institution, and uses the interest, etc., to purchase options. The option may be purchased with the loan money.

In the following description, the financial derivative product has a contract period (fund operation period for option purchase) of 1 year (12 months) and an option setting date (predetermined date) every month. However, it is not limited to this. For example, the contract period can be set appropriately, such as one month or half a year. Also, for example,
The predetermined date when the option is set can also be appropriately set, for example, every day or every week. In addition, the cycle may be irregular rather than regular.
For example, 10 days later, there is a first predetermined date, and that 3
There may be a case where there is a second predetermined date after 0 days. In terms of management, it is preferable that the predetermined date arrives periodically and the contract period is an integral multiple of the cycle.

Further, as explained below, the investment source is
Full amount of interest (annual interest or monthly interest) or part of it,
Further, various types are conceivable, such as those in which profits are combined, but a system in which the customer can select the one to be used as an investment source from these is also possible. Alternatively, the financial institution may select an item that can be used as an investment source in advance and make it a lineup as a product type.

That is, 1. As shown in FIG. 4 (A), a part of the interest payment set by the financial institution on the investment principal invested by the customer, As shown in FIG. 4B, the total amount of interest set by the financial institution on the investment principal invested by the customer, As shown in FIG. 4 (C), a distribution amount obtained by distributing a part of the interest amount set by the financial institution to the investment principal invested by the customer according to the number of times the option has been purchased. As shown in FIG. 4 (D), a distribution amount in which all the interest amount set by the financial institution for the investment principal invested by the customer is distributed according to the number of times the option is purchased. As shown in FIG. 4 (E), a part of the interest amount set by the financial institution and a part of the investment principal for the investment principal invested by the customer. As shown in FIG. 4 (F), the total amount of interest set by the financial institution for the investment principal invested by the customer is distributed according to the number of times the option is purchased, and a part of the investment principal is combined. Tata, 7. Part or all of the profits earned by exercising the option rights and 1. above. ~ 4. 7. A combination of those described in any of 8. Part or all of the profits earned by exercising the options and the above 5. Or 6. 8. A combination of those described in 9 above. Above 1. ~ 8. The customer may be allowed to select an investment source from among various product types such as a combination of those described in (4).

The financial institution does not have to prepare all the types described above, but may prepare, for example, 2 to 4 types out of the above types, and the customer can arbitrarily select from them. No matter which of the above or other options is selected, the entire investment principal or a portion determined by the customer's selection will not be applied to the option purchase cost. In addition,
The ratio of the profit to the principal invested, which is obtained depending on the source of investment, will be significantly different. Financial institutions can classify these as product types by investment source.

Next, each of the above-mentioned product types (types of investment resources) will be described in detail.

First, among the product types utilizing the investment method of the present invention, two types which are considered to be the most suitable for the applicant will be described with reference to FIGS. 2 and 3, respectively. These types are fully principal-guaranteed and relatively profitable.

The interest payment described in each of the following examples is generated by depositing the investment principal in a financial institution for a predetermined period. Therefore, normally, the investment principal is deposited in a financial institution, and the option is purchased when at least one month has passed. However, for example, the interest that should be saved after one month or the like may be moved ahead of time, that is, when the interest is not accumulated, the investment may be made in advance.

First, the first product type will be described. Above 7. As described above, a part or all of the profits obtained by exercising the right of the option and the above-mentioned 1. ~ 4. It is possible to add any of the above-mentioned investment sources. In the following, as a representative example of these, the total amount of interest paid to the number of option purchases (hereinafter referred to as interest (monthly interest)) and all of the profits are combined as the investment source. An example will be described as a first product type.

FIG. 2 shows fluctuations in investment resources and profits at each predetermined date of the first product type for purchasing options, with the profits and interests obtained by exercising the rights of options as investment resources. It is a table. In addition, in the first product type shown in FIG. 2, profit and interest (monthly interest)
Is used for each option purchase cost each time, but it may be used as a part of profit and interest.

Further, the investment resources may be changed midway. For example, the entire amount of interest and profit may be allocated to the investment source at the beginning, and only part of it may be allocated to the investment source from the middle. Further, the rate of the amount of money used for investment resources (for example, the rate of interest to be used as investment resources with respect to the entire interest) may be variable. For example, at first, a part of profit and interest is used as an investment source, and when a certain amount of profit is obtained, it is incorporated into the principal,
It may be possible to increase assets.

As described above, in the first product type shown in FIG. 2, the total amount of interest (annual interest) is distributed according to the number of times the option is purchased (12 times in this example) (monthly interest).
The sum of all the proceeds will be used as the investment source to purchase the options at each prescribed date. In FIG. 2, the monthly interest rate is indicated by 1R. Therefore, the profit amount obtained by investing this amount of 1R and succeeding in this investment is 2R, which is twice the monthly interest (1R).

First, the first predetermined date (for example, 20
The option on January 31, 2000) (interest rate in this example. The same applies hereinafter) (1R) is purchased as an investment source. If this investment is successful, the amount of profit (2R) of the investment money can be received by exercising the right. If the investment is unsuccessful, the right cannot be exercised and the investment money is lost.

Next, if the first investment is successful, the option on the second predetermined date (for example, February 29, 2000) is set as the interest (1R) and the first predetermined date. Amount of money (3R) combined with earned profit (2R)
To purchase the option again as an investment source. If this investment is successful, the amount of investment (6
R) receives the profit. If the investment is unsuccessful, the right cannot be exercised and the investment money (3R) this time will be lost.

Next, if the second investment is also successful,
Third predetermined date (for example, March 31, 2000)
The option (7R), which is the sum of the interest (1R) and the profit (6R) obtained by the second option purchase, is used as an investment source to purchase the option again. If this investment is successful, the rights will be exercised and the profit amount of double the investment amount (14R) will be received again. If the investment is unsuccessful, the right cannot be exercised and the investment money (7R) this time will be lost.

In this way, when the investment is successful, the option of using as a source of investment a sum of the profit from the exercise of the right and the interest until the next predetermined date (monthly interest in the above case) Repeat the action of purchasing. In this first product type, as shown in FIG. 2, if the investment is successful three times in a row, the chance of investing 15R and obtaining 30R is obtained if the investment is successful four times in a row. Has a chance to invest 31R and win 62R,
After that, if you continue to succeed, you will always be able to earn more than double the amount of your previous earnings.

Then, if the investment succeeds 12 times in succession during the contract period of one year, as shown in FIG. 2, finally, the interest (monthly interest) is 8,190 times (R). can do. The first product type shown in FIG. 2 has an investment principal of US $ 100,000, a contract period of 1 year, an option purchase cycle of 1 month, and an interest (monthly interest) set to the customer of 0.30% = Calculate by applying it as 300 USD. Then, the profit will be US $ 2,457,000, which is 2,457% of the investment principal (US $ 100,000) (0.30% (monthly interest) × 8,190). As a result, if this profit is combined with the investment principal of 100,000 dollars, which was guaranteed to be refunded at the end of the contract, the amount of refund for the customer at the end of the contract is 2,55.
It will be 7,000 USD.

That is, in the above-mentioned first product type,
If all the investments (purchase of options) whose exercise dates are the prescribed dates during the prescribed period (contract period) are successful, the yield will be an extremely high yield of $ 255,000 for the investment of 100,000 dollars at maturity. On the contrary, if the right cannot be exercised in the final time (the twelfth time in this seventh example), all the profits earned up to that point will be lost.

However, even if all profits are lost, the investment principal can be received at maturity. That is, the refund of the investment principal is guaranteed. Further, in the case of the above-mentioned first product type, since option purchase is repeated every predetermined date during the contract period, at least the final purchase (first
If you exercise your rights for the second time, you can get some kind of profit.

For example, if the first option purchase fails, but succeeds in all the second and subsequent times, that is, if the remaining 11 consecutive rights excluding the first one can be exercised, the customer pays interest (monthly interest). ) Is 4,094 times as much.

Even if the first to eleventh option purchases are unsuccessful in succession, the first and final options will be the first.
If the option purchase succeeds for the second time, the customer can earn twice as much profit (2R) as the interest (1R) that is the investment source.

In the first product type, as described above, the investment is continuously repeated until the last predetermined date. For example, the investment is made on the way by the customer (purchase of option). May be allowed to be stopped. Further, for example, if the investment (option purchase) succeeds five times in a row, the special contract may be set such that the profits obtained up to that point are pooled. In addition, if the amount of profits exceeds a certain amount, or if the profits exceed a certain ratio with respect to the investment principal, etc., a special agreement to pool the profits obtained up to that point is provided. You may set it.

When such a special contract is set, the customer is required to carry out the above-mentioned actions (request for suspension of purchase or pool), and
There is no risk of losing investment resources. It should be noted that the financial institution may set a certain amount of penalty for such a request for suspension on the way.

Next, the second product type shown in FIG. 3 will be described.

The above 1. ~ 9. In addition to each of the product types listed in (1), some or all of the profits obtained by exercising the rights of the options may be incorporated in the investment principal. That is, the investment principal may be expanded by incorporating the profit earned by exercising the option right into the investment principal. In this way, the financial institution resets interest on this swelled investment principal. If the interest rate at this time is the same as the interest rate set at the time of purchase, the interest is naturally increased. Part or all of this increased interest may be applied to purchase options on the next predetermined date.

The investment source for the option purchase cost at each predetermined date may be part or all of the increased interest. Further, the investment resource which becomes the option purchase cost at each predetermined date may be a distribution amount obtained by distributing a part or the whole of the increased interest expense by the number of option purchases during the contract period. In addition, the investment resources that will be used to purchase options at each specified date are swelled (or not swelled (because it does not swell unless you earn profit)) with some or all of this increased interest. It may be combined with part of the original.

Furthermore, the investment resource for the option purchase cost at each predetermined date is swelled with the distribution amount obtained by distributing a part or all of the increased interest amount by the option purchase number during the contract period ( Alternatively, it may be combined with a part of the investment principal 2 that has not swelled (because it does not swell unless the earned money is obtained) (or a part of this portion distributed by the number of option purchases during the contract period). That is, all of the above-mentioned product types can be applied in addition to the configuration in which the profit is incorporated into the investment principal.

FIG. 3 is a representative example of repeating investment (option purchase) while growing investment principal and interest by incorporating the profit obtained from investment (option purchase) into the investment principal. 6 is a table showing the state of investment principal, interest, investment source, and profit for each predetermined date in the second product type.

In FIG. 3 for explaining the second product type, an investment principal (initial investment principal) in a non-growing state at the time of applying for the purchase of the financial derivative product is defined as P, and An initial interest amount of 12R (annual interest) is set for the investment principal P. Initial interest 1
The 2Rs are distributed according to the number of times the option is purchased (12 times in this example). The distributed amount (monthly interest in this example) 1R that has been distributed serves as an investment source for the purchase cost of the first option. In addition, in the second product type shown in FIG. 3, all the interest (monthly interest) is used for the option purchase cost each time, but only a part of the interest may be used for the option purchase cost. .

Further, the investment resources may be changed midway. For example, the entire amount of interest may be initially allocated to investment resources, and only part of the interest may be allocated to investment resources from the middle. Further, the rate of the amount of money used for investment resources (for example, the rate of interest to be used as investment resources with respect to the entire interest) may be variable.

In the second product type, first, the option set with the first predetermined date (for example, January 31, 2000) as the exercise date is used as the distribution amount of the initial interest amount 12R described above. Purchase (1R) as an investment source. Since this is the first investment (purchase of options), of course, no profit has been earned, so
Refer to the column in which the “Number of times profits have been incorporated into investment principal” is 0. As shown in this column, if the first investment is successful, you can exercise your rights and receive double the amount of your investment (2R) as income.

The profit 2R is initially incorporated in the investment principal P. As a result, as shown in the column of "Number of times profit is incorporated into investment principal" in FIG. 3, the initial investment principal P is the investment principal P that has grown by incorporating the first earnings 2R.
Swell to 1 (P + 2R). As a result, this investment principal P
For 1, the financial institution resets the interest rate. This interest amount becomes interest amount 12R1 increased (grown) by the growth of the investment principal. On the other hand, if the first investment (option purchase) is unsuccessful, the right cannot be exercised and the investment (initial distribution 1R) is lost.

When the investment is unsuccessful in this way, the investment money is lost and the profit cannot be received as a matter of course. Therefore, the profit cannot be incorporated into the investment principal. Therefore, when looking at FIG. 3, when investing for the next time, it is sufficient to look at the same column again without increasing the “number of times the profit is incorporated into the investment principal”. Specifically, if the first investment (option purchase) is unsuccessful, if you look again at the column where "the number of times profits have been incorporated into the investment principal" is 0, during the second investment, It will be good. This also applies to the second and subsequent investments (option purchases) described below.

Next, if the first investment is successful, the option set on the second predetermined date (for example, February 29, 2000) is added to the increased distribution of interest 12R1 ( Buy again at 1R1). Note that this is the second investment (purchase of options), and the profit amount 2R for one time is included in the investment principal P. Therefore, the number of times the profit amount is incorporated into the investment principal is shown in FIG. ”Refers to column 1. As shown in this column, if the second investment is successful, the right can be exercised and a double amount (2R1) of the investment amount can be received as profit.

This profit 2R1 is incorporated into the investment principal P1. As a result, the investment principal P1 is the investment principal P2 (P1 + 2) which has grown by incorporating the second profit 2R1.
Swell to R1). As a result, the financial institution newly resets the interest amount for this investment principal P2. This interest amount becomes interest amount 12R2 increased (grown) by the growth of the investment principal. On the other hand, if the investment is unsuccessful, the right cannot be exercised and the investment money (1R1) this time will be lost.

Next, if the second investment is also successful,
Third predetermined date (for example, March 31, 2000)
The interest set up on the option set to 12R2
Purchase again with the distribution amount (1R2). This is the third
This is the second investment (purchase of options), and since the profits 2R and 2R1 for the past two times have been incorporated into the investment principals P and P1, respectively, the number of times the profits have been incorporated into the investment principal is shown in FIG. ”Refers to column 2. As shown in this column, if the third investment is successful, the right can be exercised and a double amount (2R2) of the investment amount can be received as profit.

This profit 2R2 is incorporated in the investment principal P2. As a result, the investment principal P2 is the investment principal P3 (P2 + 2) that has grown by incorporating the third profit 2R2.
Inflate to R2). As a result, the financial institution newly resets the interest amount for this investment principal P3. This interest amount is the interest amount 12R3 increased (grown) by the growth of the investment principal. On the other hand, if the investment is unsuccessful, the right cannot be exercised and the investment money (1R2) this time will be lost.

As described above, in the above-mentioned second product type, when the investment is successful, the profit generated by the exercise of the right is incorporated into the investment principal to grow the investment principal. Along with this, the interest paid on this investment principal will also grow. Then, using the grown interest money as an investment source, the option set on the next predetermined date is purchased. Such operation is repeated.

In this second product type, as shown in FIG. 3, if all the 11th investment succeeds, the past 1
The profits 2R, 2R1, ..., 2R10 for one time are respectively incorporated into the investment principals P, P1, ..., P10 (the “number of times the profits have been incorporated into the investment principal” is 11). See column). As shown in this column, if the final investment is successful, the right is exercised and the investment amount is doubled (2R1
1) can be received as revenue. On the other hand, if the investment is unsuccessful, the right cannot be exercised and the investment money (1R
11) disappears.

That is, in the second product type described above,
If all of the options set on each predetermined date during the predetermined period (contract period) are successful, the first to eleventh profits 2R, 2R1, ... , P1, ..., P10, and the interests set on the grown investment principal are invested in investment (option purchase) one after another. For this reason, this second product type, like the first product type described above, becomes a very high-yielding product that can receive a very large amount of profit at maturity if investment in options continues to succeed. .

In this second product type, the profit from the option purchase is incorporated in the investment principal. Therefore, the investment principal grows (increases) when the profit is obtained. Therefore, in this second product type, even if the investment does not succeed continuously, the profits are incorporated into the investment principal for the number of successful times, and at the maturity, the amount of the profit earned is invested. This means that the number of principals is increasing. If the customer does not succeed in the final investment, he / she cannot exercise the right to the final investment and cannot earn the final profit, but since the profit earned up to that time is incorporated in the investment principal, You will receive this increased investment principal refund on the maturity date. Therefore, the customer can receive the investment principal increased by the amount of earned income from the original investment principal, and the profit can be increased.

As described above, in this example, whether or not the investment was successful in the final round, or whether or not the investment was continuously successful,
Furthermore, regardless of how many times the investment was successful, when the maturity is reached, the grown investment principal can be received. Ie 1
If the investment is successful even once, the refund of the matured investment principal is guaranteed. Of course, even if the investment is never successful, the investment principal P originally invested is guaranteed to be refunded.

The above-mentioned first and second types have the common point that the interest (monthly interest) set in the investment principal is used as the first investment source, but thereafter the investment source is dramatically increased. It has the potential to grow, and the income earned by its investment also has the potential to grow dramatically.

Next, various product types different from the above-mentioned two types will be described with reference to FIG.

As shown in FIGS. 4A to 4F, when a customer deposits an investment principal 2 at a financial institution as a fund for purchasing a financial derivative product 1 using the investment method, the financial institution makes this investment. An interest amount 3 (an annual interest is shown in FIG. 4) is set for the principal 2.

In FIG. 4 (A), a part of the interest amount 3 set by the financial institution on the investment principal 2 invested by the customer is used as the investment resource 5 which is applied to the purchase cost of the option on the predetermined date. And a third product type is shown. That is,
The third product type indicates that a part 3a of the interest 3 is used as an option purchase fund for each predetermined period during a predetermined period. For example, 50% of interest amount 3 (US $ 3,600) when US $ 100,000 is used as the investment principal 2.
In this case, 1800 US dollars is used as an option purchase fund for each predetermined date (every month end) during a predetermined period (12 months in this embodiment).

On the other hand, when the customer purchases the financial derivative product 1, the customer makes predictions about a predetermined phenomenon on a predetermined date. That is, as shown in FIG. 1, for example, at the time of purchase, a call (weak yen) / put (yen strong) at each predetermined date within a predetermined period (12 months) is predicted. Note that the financial derivative product 1 is a time deposit that uses the interest amount 3 to purchase options, and for example, the investment principal 2 during the period (12 months in this example) during which options are continuously purchased.
You may not be able to withdraw cash from.

In the case of the third product type shown in FIG. 4 (A), a part 3a of the interest 3 is allotted as option purchase funds for each predetermined date. Therefore, if the purchase of the option set on the first predetermined date is successful,
The customer can get a profit (twice the investment amount) commensurate with it. Then, the interest amount 3 set in the investment principal 2 of the customer who succeeded in the first investment (option purchase)
Part 3a of the above will be allocated to the purchase fund at the second option purchase date, which will be the end of the next month. Therefore, if the purchase of the option set on the second predetermined date succeeds, the customer can regain the profit (twice the investment amount) commensurate with the purchase. As long as the investment (option purchase) is successful in this way, a part 3a of the interest amount 3 set in the investment principal 2 is applied to the purchase fund at the option purchase date.

Then, if the investment (option purchase) succeeds on the 12th option purchase date when the contract period expires, that is, if the first to 12th investment (option purchase) all succeed in succession. , The customer can get a very big profit commensurate with it.

The third product type shown in FIG. 4 (A) has all the investment resources 5 (a part of the interest 3 3
a) corresponds to the purchase of options. Therefore, if the investment (purchase of the option) is unsuccessful even once even in the middle (even in the first time), the customer loses all investment resources 5 at that time. Therefore, for future investment (purchase of options),
Not be able to participate.

However, in the case of the third product type shown in FIG. 4A, the investment principal 2 (US $ 100,000)
And the remaining portion 3b of the interest payment 3 (in the above example, the remaining 18
US $ 00) has not been invested as investment funds 5.
Therefore, of course, there is no loss for the investment principal 2 and the remaining portion 3b of the interest amount 3, and full payment is guaranteed at the time of expiration of the contract as desired by the customer.

In the case of the third product type shown in FIG. 4A, if the investment (purchase of options) succeeds continuously by then and the profit is obtained, Revenue will remain in the hands of the customer. It should be noted that the profit obtained from each investment (option purchase) may be received by the customer in cash from a financial institution, or the customer's account in which the investment principal 2 is invested (principal of time deposit). In some cases), the financial institution may make the transfer. If you want to incorporate the profit into investment principal 2,
At that point, the interest amount 3 will be increased, and the investment amount thereafter will be increased. In such a case, the profit earned by subsequent investment (option purchase) becomes larger.

In the third product type, as described above, until the investment resource 5 is lost (while the investment (option purchase) continues to succeed), or the investment succeeds, the last investment succeeds. The investment will be continuously repeated until the option purchase date has passed, but for example, the investment (purchase of the option) may be stopped halfway at the request of the customer. In this case, the customer has no risk of losing part (3a) of the interest amount 3 which becomes the investment source 5 after the investment becomes unsuccessful (purchase of the option). It should be noted that the financial institution may set a certain amount of penalty for such a request for suspension on the way.

The third product type shown in FIG.
Description will be given by applying more specific numerical values.

First, the first predetermined date (for example, 20
The option set on January 31, 2000) is purchased for a portion 3a (US $ 1800) of the above-mentioned interest payment 3. If this investment is successful, you will exercise your rights and receive double the investment ($ 3,600). If the investment is unsuccessful, the right cannot be exercised and the investment money will be lost, and at this point it will not be possible to purchase options from the next time onward.

Next, if the first investment is successful, the option set on the second predetermined date (for example, February 29, 2000) is used as a part 3a of the above-mentioned interest payment 3a.
Buy for $ 1800. If this investment is successful, the right will be exercised and double the investment amount (US $ 3600) will be received again as profit. As a result, the customer will receive a total of US $ 7,200 in revenue from the previous amount. If the investment is unsuccessful, the right cannot be exercised and the investment money will be lost, and at this point it will not be possible to purchase options from the next time onward. In this case, the customer received 36
US $ 00 will be the proceeds of the derivative products. Of course, the investment principal 2 and the remaining portion 3b of the interest 3 which are not allocated to the option purchase cost can be refunded after the contract period ends.

Note that this investment is repeated for a predetermined period (one year in this example) in the same manner from the next time onward. As a result, the customer can finally receive the profit of US $ 43,200 separately from the investment principal 2 when the investment is successful at all times during the predetermined period. With this third product type, the profit earned up to the previous time is 5
Since it is not used as, it will be kept at hand.

FIG. 4B shows a fourth product type in which all of the interest amount 3 set by the financial institution on the investment principal 2 invested by the customer is used as the investment source 5. In other words, the fourth product type is
It indicates that the funds will be used as option purchase funds for each predetermined date within a predetermined period. For example, interest amount 3 (US $ 3600) when US $ 100,000 is used as the investment principal 2.
Is used as an option purchase fund for each predetermined date (every month end) during a predetermined period (12 months in this embodiment).

In the case of the fourth product type shown in FIG. 4 (B), the interest amount 3 is entirely applied as the option purchase fund for each predetermined date. Therefore, if the purchase of the option set on the first predetermined date succeeds, the customer can earn a profit (twice the investment amount) commensurate with the purchase. Note that the fourth product type in FIG. 4 (B) requires twice the investment amount as compared to the third product type shown in FIG. 4 (A) described above (interest payment in the third product type We invested 50% of the 3 but we paid 100% of the interest 3 in this 4th product type)
It is twice as much as the product type.

The interest amount 3 set in the investment principal 2 of the customer who succeeded in the first investment (option purchase)
All of the money will be used for the purchase of the second option purchase date, which will be the end of the next month. Therefore,
When the investment (option purchase) succeeds at the second option purchase date, the customer can regain a profit (twice the investment amount) commensurate with the investment. The profit in this case is, of course, also shown in FIG.
It is twice as much as the third product type shown in. As long as the investment (option purchase) is successful in this way, all of the interest amount 3 set in the investment principal 2 is applied to the purchase fund of the option purchase date.

Then, if all the expectations up to the twelfth predetermined date when the contract period expires are met, and the first to twelfth investments (option purchases) all succeed in succession,
Customers can get very high revenue for it. The profit in this case is, of course, twice as much as that of the third product type shown in FIG. 4 (A).

In the case of the fourth product type shown in FIG. 4 (B), all of the investment resources 5 (all interest payments 3 correspond to this) are allotted for the option purchase. . Therefore, if the investment (purchase of the option) is unsuccessful even once even in the middle (even in the first time), the customer loses all investment resources 5 at that time. Therefore, for future investment (purchase of options),
Not be able to participate.

However, in the case of the fourth product type shown in FIG. 4B, the investment principal 2 (US $ 100,000)
Are not invested as investment resources 5. Therefore, as for the investment principal 2, there is no loss as a matter of course, and the full payment is guaranteed at the time of contract expiration as desired by the customer. Further, in the case of the fourth product type shown in FIG. 4 (B), if the investment (purchase of options) succeeds continuously by then and the profit is obtained, this profit is It will remain with the customer.

The profit obtained from each investment (option purchase) may be received by the customer in cash from a financial institution, or the customer's account (time deposit) into which the investment principal 2 has been invested. It may be the principal of the financial institution). When the profit proceeds are incorporated in the investment principal 2 on the way, the interest amount 3 is increased at that time, so that the investment amount thereafter is increased.
In such a case, the profit earned by subsequent investment (option purchase) becomes larger.

In the fourth product type, as described above, until the investment resource 5 is lost (while the investment (option purchase) continues to succeed), or the investment succeeds and the last investment succeeds. The investment will be continuously repeated until the option purchase date has passed, but for example, the investment (purchase of the option) may be stopped halfway at the request of the customer. In this case, the customer has no risk of losing the interest amount 3 which becomes the investment source 5 after the investment (purchase of the option) is unsuccessful after that time. In addition,
The financial institution responded to the offer to stop in the middle
A fixed amount of penalty may be set.

In FIG. 4C, a part 3a of the interest amount 3 set by the financial institution on the investment principal 2 invested by the customer is distributed according to the number of times the option is purchased (12 times in this example). A fifth product type is shown in which the distributed money 3c is used as an investment resource 5 which is a purchase cost of an option at each predetermined date. That is, the fifth product type indicates that a part 3a of the interest 3 is further divided into 12 to be used as an option purchase fund for each predetermined date within a predetermined period.

For example, if the investment principal 2 is 100,000 US dollars, it is 50% of the interest amount 3 (3,600 US dollars) 18.
A fixed period of US $ 00 (12 months in this embodiment)
The figure shows a case in which the number of times (12 times) existing in a predetermined date is distributed, and the distributed amount (150 US $) is used as an option purchase fund on each predetermined date.

In the case of the fifth product type shown in FIG. 4 (C), the distribution 3c obtained by further dividing the part 3a of the interest 3 into 12 is used as an option purchase fund (investment source 5) for each predetermined date. Apply as. That is, the investment source 5
Unlike the 3rd and 4th product types mentioned above, the option purchase funds are not lost even if there are times when the investment fails and the rights cannot be exercised. It is a system that can be invested once. As described above, the fifth product type is characterized in that options can be continuously purchased repeatedly on all predetermined dates during the contract period.

Therefore, if the investment (option purchase) succeeds on the first predetermined date, the customer
Profit corresponding to that (Investment amount = US $ 150 double (=
You can get a profit of 300 dollars). Conversely, if the investment fails and the right cannot be exercised, it is divided into 12 1
You will lose the investment resources (150 USD) for the investment. Then, this investment (option purchase) is repeated until the contract period expires regardless of success / failure in the middle. As a result, if the customer makes a successful investment,
You can get a very big profit for it.

Even in the case of the fifth product type shown in FIG. 4C, the investment principal 2 (US $ 100,000) and the remaining portion of the interest amount 3 are the same as in the third product type described above. 3b (the remaining US $ 1800 in the above example) has not been invested as investment resource 5. Therefore, of course, there is no loss for the investment principal 2 and the remaining portion 3b of the interest amount 3, and full payment is guaranteed at the time of expiration of the contract as desired by the customer. Further, in the case of the fifth product type shown in FIG. 4 (C), the profit of the time when the investment (purchase of the option) is successful remains in the customer's hand.

The profit obtained from each investment (option purchase) may be received by the customer in cash from a financial institution, or the customer's account into which the investment principal 2 has been invested (time deposit). It may be the principal of the financial institution). When the profit proceeds are incorporated in the investment principal 2 on the way, the interest amount 3 is increased at that time, so that the investment amount thereafter is increased.
In such a case, the profit earned by subsequent investment (option purchase) becomes larger.

As described above, in the fifth product type, the investment is continuously repeated until the last predetermined date. ) May be stopped. In this case, the customer has no risk of losing the distribution 3c, which becomes the investment source 5 for each time, after the time when the investment (purchase of the option) becomes unsuccessful. It should be noted that the financial institution may set a certain amount of penalty for such a request for suspension on the way.

FIG. 4D shows a distribution in which the total amount of interest 3 set by the financial institution for the investment principal 2 invested by the customer is distributed according to the number of times the option has been purchased (12 times in this example). A sixth product type is shown in which money 3d (which is a monthly interest in this example) is used as an investment resource 5 which is a purchase cost of an option at each predetermined date. That is, the sixth product type indicates that the total amount of the interest amount 3 is divided into 12 to be used as an option purchase fund for each predetermined date within a predetermined period.

For example, when the investment principal 2 is 100,000 US dollars, the interest amount 3 (3,600 US dollars) is equal to the number of times (12 times) of a predetermined date existing in a predetermined period (12 months in this embodiment). In this example, the distribution amount (300 US dollars) is allocated to the option purchase fund on each predetermined date.

In the case of the sixth product type shown in FIG. 4D, the distribution amount 3d obtained by dividing the interest amount 3 into 12 is used as an option purchase fund for each predetermined date. That is, as with the fifth product type described above, the investment source 5
Unlike the 3rd and 4th product types mentioned above, the option purchase funds are not lost even if there are times when the investment fails and the rights cannot be exercised. It is a system that can be invested once.

Therefore, when the option purchase set on the first predetermined date succeeds and exercises the right, the customer can obtain the profit (twice the investment amount) commensurate with it. On the contrary, if the investment fails and the right cannot be exercised, the investment resource for one time divided into 12 is lost. Then, this investment (option purchase) is repeated until the contract period expires regardless of success / failure in the middle. As a result, the customer can earn a very large profit commensurate with the number of successful investments.

Even in the case of the sixth product type shown in FIG. 4D, the investment principal 2 (US $ 100,000) is invested as the investment source 5 as in the case of the fourth product type described above. It has not been. Therefore, as for the investment principal 2, there is no loss as a matter of course, and the full payment is guaranteed at the time of contract expiration as desired by the customer. Further, in the case of the sixth product type shown in FIG. 4 (D), the profits from the successful investment (purchase of options) remain in the customer's hands.

The profit obtained from each investment (option purchase) may be received by the customer in cash from a financial institution, or the customer's account (time deposit) in which the investment principal 2 is invested. It may be the principal of the financial institution). When the profit proceeds are incorporated in the investment principal 2 on the way, the interest amount 3 is increased at that time, so that the investment amount thereafter is increased.
In such a case, the profit earned by subsequent investment (option purchase) becomes larger.

As described above, in the sixth product type, the investment is continuously repeated until the final predetermined date. For example, the investment is made during the investment (purchase of option) at the request of the customer. May be stopped. In this case, the customer has no risk of losing the distribution 3d, which becomes the investment source 5 of each time, after the time when the investment (purchase of the option) becomes unsuccessful. It should be noted that the financial institution may set a certain amount of penalty for such a request for suspension on the way.

In FIG. 4E, a part 3a of the interest amount 3 and a part 2a of the investment principal 2 set by the financial institution on the investment principal 2 invested by the customer (for example, the investment principal 10 A seventh product type is shown in which 10% of 10,000 US dollars, which is 10% of 10,000 US dollars), is used as an investment resource 5 for purchasing an option on a predetermined date. That is, the seventh product type is the investment source 5 (interest amount 3 in the above-mentioned third product type).
Part 3a) of the above, and part 2a of the investment principal 2 is further added. In this way, the investment amount invested as the option purchase cost increases, so that the profit amount when the investment succeeds also increases.

On the other hand, if the investment is unsuccessful, there is a risk of losing a part 3a of the interest amount 3 and a part 2a of the investment principal 2 as well, but 90% of the remaining principal amount 2 of the investment principal 2 ( =
$ 90,000) and the remaining portion 3b of interest 3 is guaranteed to be refunded after the end of the contract period. Therefore, although the seventh product type has a risk of breaking down the principal compared to the above-mentioned product types, the range of the risk is the first to be determined. Moreover, it is possible to obtain a large profit as compared with each of the above product types.

In the seventh product type, the part 3a of the interest amount 3 and the part 2a of the investment principal 2 are combined to be the investment resource 5 which becomes the purchase cost of the option on the predetermined date. However, the total of the interest amount 3 and the part 2a of the investment principal 2 may be used as the investment resource 5 which is the purchase cost of the option on the predetermined date.

The profit obtained from each investment (option purchase) may be received by the customer in cash from the financial institution, or the customer's account in which the investment principal 2 is invested (time deposit). It may be the principal of the financial institution). When the profit proceeds are incorporated in the investment principal 2 on the way, the interest amount 3 is increased at that time, so that the investment amount thereafter is increased.
In such a case, the profit earned by subsequent investment (option purchase) becomes larger.

In the seventh product type, as described above, the investment is continuously repeated until the last predetermined date. For example, the customer makes an investment and purchases (option purchase) on the way. May be stopped. In this case, the customer has no risk of losing investment (purchasing options) after that time and losing the investment resource 5 each time. It should be noted that the financial institution may set a certain amount of penalty for such a request for suspension on the way.

In FIG. 4 (F), the total amount of interest 3 set by the financial institution for the investment principal 2 invested by the customer is distributed 3d according to the number of times the option is purchased during the contract period.
And an eighth product type in which a part 2a of the investment principal 2 (for example, 10% of the investment principal of 100,000 USD, which is 10,000 USD) is used as an investment resource 5 for purchasing an option at a predetermined date. Has been done. That is, the eighth product type is obtained by adding a part 2a of the investment principal 2 to the investment resource 5 (distribution amount 3d in which the interest amount 3 is distributed) in the sixth product type described above. . This way,
Since the investment amount invested as an option purchase cost increases, the profit amount when the investment succeeds also increases.

On the other hand, when the investment is unsuccessful, the investment principal 2
There is a risk of losing a portion 2a of the investment, but 90% of the remaining majority of the investment principal 2 is guaranteed to be refunded after the end of the contract period. Therefore, although the eighth product type has a risk of breaking down the principal compared to the above-described third to sixth product types, the risk range is first determined. Moreover, the above third to sixth
Compared with each product type, it is possible to obtain a large profit. In addition, in FIG. 4 (F), although the part 2a of the investment principal 2 is not distributed for the number of purchases of the option, the part 2a of the investment principal 2 is also distributed, and the distribution on the interest amount 3 side The money 3a and the distribution amount on the investment principal 2 side may be combined to make one option purchase cost.

The profit obtained from each investment (option purchase) may be received by the customer in cash from a financial institution, or the customer's account (time deposit) into which the investment principal 2 has been invested. It may be the principal of the financial institution). When the profit proceeds are incorporated in the investment principal 2 on the way, the interest amount 3 is increased at that time, so that the investment amount thereafter is increased.
In such a case, the profit earned by subsequent investment (option purchase) becomes larger.

As described above, in the eighth product type, the investment is continuously repeated until the last predetermined date. For example, the customer makes an investment to make an investment (purchase an option) on the way. May be stopped. In this case, the customer has no risk of losing investment (purchasing options) after that time and losing the investment resource 5 each time. It should be noted that the financial institution may set a certain amount of penalty for such a request for suspension on the way.

As described above, the financial derivative product using the investment method of the present invention can obtain a large profit while the customer is guaranteed a refund of the investment principal (or 90% thereof) at the maturity date. It has a certain nature.

A part or all of the profit obtained by exercising the right of the option and the above 5. Or 6.
The investment source may be a combination of those described in (the investment source includes the principal). That is,
It is a modified example of the above-mentioned first product type, and is the above 5. A part of the interest amount set by the financial institution and a part of the investment principal, which is stated in the investment principal invested by the customer, described in 6 or above 6. Any of the total amount of interest set by the financial institution for the investment principal invested by the client, which is distributed according to the number of times the option is purchased, and a portion of the investment principal, It is possible to use the investment resources by adding the income to the crab. It should be noted that each of these product types requires a larger amount of investment resources to be invested in the first time than the above-mentioned first product type. Also has the characteristic of becoming larger. Note that detailed description of the amount of profit and the like will be omitted.

Further, the above 9. As stated in
Above 1. ~ 8. The purchase cost of the option (investment resource 5) at each predetermined date may be appropriately combined with those described in (4).

On the other hand, the financial derivative products using the investment method of the present invention can generate profits on the financial institution side by the difference (spread) between the operation interest rate and the interest rate provided to the customer. That is, usually, a financial institution makes a difference (spread) between an interest rate on own assets and an interest rate provided to a customer. This spread allows the financial institution to make a profit. further,
A financial institution can also earn profits from foreign exchange fees, and by collecting mid-term cancellation fees and loan interest rates of the financial derivative products (for example, when the customer manages the financial products by borrowing money). You can also earn money.

In each of the above-described product types described with reference to FIGS. 1 to 4, all or part of the investment resources is set by the financial institution for the investment principal 2 invested by the customer. I am using 3. However, if the interest rate (interest) is extremely low (cheap), the amount of money that will be the source of investment will be considerably cheaper, so even if the investment is successful, the amount that the customer will succeed in investing and obtain will also be cheaper. In some cases, it will not be an attractive product. In such a case, when purchasing the product, have the customer pay a product purchase fee of several% to the investment principal,
This product purchase fee may be used as an investment source. An example will be described below.

First, as with the above-mentioned products, the customer deposits the investment principal with a financial institution. Meanwhile, the financial institution sets an interest amount on the deposited investment principal. For the first product mentioned above, monthly interest rate is 0.30% (annual interest rate is 3.6%).
Interest rate is set, but in this example, the set interest rate is an ultra-low interest rate of 0.1% per annum. That is, the monthly interest rate is about 0.083%.

In this case, if interest is used as the investment source, the investment source for the option purchase is the first source although the investment principal is the same as the first product.
It becomes 1/36 of the product of. Therefore, even if the customer's expectation is successful and the investment is successful, the amount of profit that the customer can obtain is very small and it is not attractive as a financial product.

In the case of such a low interest rate condition, for example, when a customer deposits an investment principal, a customer pays a purchase fee equivalent to several percent of the investment source. Then, the purchase fee is used as an investment source for the option purchase cost. As a result, compared with the above-mentioned first product that covers the investment source for the option purchase cost with the interest, the expense increases as much as the customer pays the purchase fee first, but the investment source itself for the option purchase cost is increased. Can be secured to some extent. Therefore, it is possible to secure a certain amount of profit that can be obtained by successful investment and make the product attractive. Moreover, although the purchase fee is incurred, if the customer fails to invest, the receipt of the investment principal initially deposited at the financial institution will be guaranteed at maturity.

In the above example, instead of allocating the entire purchase fee to the investment source, a part of the purchase fee is allocated to the investment source, and the remaining amount is paid as the actual purchase amount to the handling financial institution. good. For example, when depositing an investment principal in a financial institution, the customer pays a purchase fee equivalent to 2% of the investment principal to the financial institution. If the investment principal is US $ 100,000, US $ 2,000 will be paid as a purchase fee for the product. Of this purchase fee, 100 US dollars per month and 12 months US $ 1,200 for the contract period are used as investment resources. On the other hand, the remaining 800 US dollars, which is obtained by subtracting 1,200 US dollars used for investment funds from the initial purchase fee, will be paid to the financial institution as an actual purchase commission.

As a result, at the time when the interest rate is abnormally low, the customer has a possibility of earning a considerably large amount of profit with low risk, and the investment principal amount after deducting the purchase fee initially paid is received at maturity. Will be guaranteed. In addition, financial institutions can also receive a stable purchase fee each time a customer purchases the product. In the above example, the product purchase fee was applied to the investment resources at low interest rates, but the foreign exchange fee when exchanging US dollars to Japanese yen or Japanese yen to US dollars etc. should be applied as the above investment resources. May be.

Next, a first embodiment of an investment device for selling financial derivative products using the above-mentioned investment method will be described with reference to FIGS. 5 to 9.

As shown in FIG. 5, the investment device 20 is arranged on the high speed communication network 15 so that it can be connected to the customer terminal device 11 via the high speed communication network 15 constituted by the Internet or the like. There is.

This investment device 20 includes a customer information database 21, a product database 22, an investment information database 23, a sales management database 24, a forecast database 26, and each database 21, 22, 23, 2.
4, 26 is connected to the management server 25.

As shown in FIG. 6, the customer database 21
Is a database for managing various personal information of each customer, and has a table 21a in which the personal information of each customer is recorded and organized. In this table 21a, customer number, account number, password, family name (kanji), family name (kana), family name (romaji), first name (kanji),
First name (kana), first name (romaji), date of birth, age, gender,
Financial assets (unit: 10,000 yen), planned investment amount (unit: 10,000 yen),
Home zip code, home location (prefecture, city / group, ward, town /
(Village, house number, apartment / condominium name), home phone number, home fax number, E-mail address,
Home ownership, home name, workplace name, department, title,
Personal information of the customer is recorded, which includes annual income (unit: 10,000 yen), number of years worked, telephone number of work, extension number, work address. The personal information recorded in the table 21a is not limited to the above.

As shown in FIG. 7, the product database 22
Is a database for managing a group of products (in this example, various financial digital options) provided by a financial institution to a customer, and the product item code, product item, and investment period code of the product group provided to the customer. , An investment period code, an investment cycle code, and an investment cycle (number of days) are recorded, and the table 22a is arranged for each product. Each product stored in the product database 22 is an option that the customer repeatedly purchases by using the interest amount 3 set in the investment principal 2 deposited with the financial institution.

The specific products listed in FIG. 7 are listed in US $ / yen (yen / yen) forecast = call / put digital options (cash or nothing) explained in the above examples. ), Euro / yen (strong yen / weak yen) forecast, Japanese average fluctuation (rise / fall) forecast, long-term interest rate fluctuation (rise / fall) forecast, short-term interest rate fluctuation (rise / fall)
Forecast, NY Dow Average Fluctuation (Up / Down) Forecast, Nasdaq Average (Up / Down) Forecast, WTI Price (Up / Down)
Forecast, Chicago Commodity Index (up / down) forecast.

The investment information database 23 is a database for managing the applicable interest rate of the interest amount 3 set in the investment principal 2, which serves as a guide when the customer purchases each of the above financial derivative products. . That is, as described above, the investment principal 2 can be various currencies, stock purchase money, and the like, but the applicable interest rate of the interest 3 set depending on the type of the investment principal 2 is different. The investment information database 23 is for managing the applicable interest rates of the various different interest rates 3.

As shown in FIG. 8, the investment information database 23 records the currency code of the investment principal 2, the investment currency, the applicable interest rate code, the applicable interest rate (%), and the amount of the investment principal 2. It has a table 23a arranged for each currency. In the example of FIG. 8, the table 23a has a circle,
Currency code, investment currency, applicable interest rate code, applicable interest rate (%), investment principal 2 in each currency of US dollar and euro
Is recorded.

The sales management database 24 is a database in which various data such as customer name, product type sold, purchase date, etc. are recorded for each customer.

As shown in FIG. 9, the forecast database 26 is a database in which a revenue forecast is recorded in the case where the customer purchases the above-mentioned financial derivative product 1 and purchases (estimates) an option for each predetermined date. Has become. Specifically, the sales management database 24 stores customer expectations (yen appreciation / rise), customer expectations (yen depreciation / fall), investment amount (option purchase cost of each time = investment resource 5), profit, total investment. The item code is attached to each item of the amount (total investment amount including the investment principal 2) and the expected profit amount, and each code is also attached to the number of times the option is purchased.

The management server 25 is connected to each of the databases 21, 22, 23, 24 and 26 described above, and is connectable from the customer terminal device 11 via the high speed communication network 15. Then, when the customer inputs the product type or the like he / she wants to purchase, the management server 25 obtains the information desired by the customer based on the input information.
Send to.

For example, when the customer wants to know the product group to be optionally purchased, the management server 25 extracts data on various products from the product database 22 and sends the arranged information to the customer terminal device 11. Further, for example, when the customer wants to know the applied interest rate for each currency, the management server 25 extracts data relating to the applied interest rate of various currencies from the investment information database 23 and sends the arranged information to the customer terminal device 11. . In addition, when the customer wants to know the profit amount when the customer actually purchases the financial derivative product provided by the financial institution and exercises the right, the management server 25 extracts the data regarding the profit amount from the forecast database 24. , And sends the organized information to the customer terminal device 11.

Further, the management server 25 not only extracts the information (data) desired by the customer from each of the databases 22, 23, 24 described above, but also purchases the financial derivative products provided by the financial institution online and cancels the online cancellation. You can do it. That is, the management server 25 can input the personal information and transaction conditions necessary for purchasing the financial derivative product 1 to purchase the financial derivative product 1 or cancel the contract halfway. In this way, the management server 25 is a device capable of inputting and outputting transaction information with customers.

Although the investment device 20 is configured as described above, a database or transmission / reception device that is further connected to the option listing market or the over-the-counter market and that can acquire market data is used as the management server 25. You may connect to.

Next, an investment system using the investment device 20 that sells financial derivative products using the above-described investment method will be described. More specifically, the operations of the customer and the financial institution until the customer connects to the management server 25 and purchases a financial derivative product or cancels midway will be described with reference to FIG.

As described above, the customer can connect to the management server 25 via the high speed communication network 15. A new customer (Yes in step S1) inputs personal information (for example, address, name, telephone number, etc.) necessary for opening an account (step S2).

The financial institution sends the account opening application package to the customer based on the input contents, opens the account based on the reply document from the customer, and sends the account number and password to the customer. As a result, the customer is ready to start a transaction with a financial institution that handles the financial derivative product 1 (step S3). That is, when the process returns to step S1 via the start, it becomes a new customer who already has an account at this point.

A customer who is not a new customer but who already has an account (No in step S1) inputs the user ID and password given by the financial institution and the account number opened in the financial institution (step S4). ).

When the customer who has input the necessary information in step S4 newly applies for the purchase of a financial derivative product provided by the financial institution (proceeds to A in step S5).
Selects the product type you want to purchase (step S
6). Then, after making the selection, various information necessary for investing based on the selected product type is input (step S7). The selection of the product type as used herein means selection of the above-mentioned various conditions such as selection of the amount of investment principal, selection of option type to be purchased, investment period, investment cycle, and the like. And step S
When the input of 7 is completed and the input content is correct (Yes in step S8), the determination is made and the application for purchasing the financial derivative product is completed (step S9). If there is a mistake in the input in step S7 (N in step S8
o), the process returns to step S7 and the input is redone, and the process proceeds to steps S8 and S9.

When the customer who has input the necessary information in step S4 has already purchased the financial derivative product provided by the financial institution and confirms the result of the purchased financial derivative product (in step S5). In (B), the transaction content list of the purchased financial derivative products is sent from the investment device 20 to the customer terminal device 11 (step S10).

Then, the customer confirms the transaction contents and the result (step S11). When the customer cancels after confirming the transaction details (Yes in step S12)
Performs the cancellation procedure (step S13) and confirms the content of the cancellation application (Y in step S14).
es), confirm and terminate the application for cancellation of the financial derivative product (step S9). Further, after confirming the result in step S11, if cancellation is not performed (in step S12, N
o), the procedure ends there (step S9). The end of this procedure means that the cancellation procedure was stopped midway. If the cancellation content in step S14 is not confirmed, the process returns to step S11 and the result confirmation is performed again, and steps S12, S13, and S1 are performed.
4. Go to step S9.

Next, a second embodiment of an investment device for selling financial derivative products using the above-mentioned investment method will be described with reference to FIGS. 11 to 12.

As shown in FIG. 11, the investment device 30
Is a financial institution terminal device 31 capable of inputting / outputting customer personal information and transaction information, an existing customer information unit 32 capable of exchanging information with the financial institution terminal device 31, and an existing customer information unit 32. An existing account information section 33 capable of exchanging information with each other, an existing fund management information section 34 capable of exchanging information with the existing account information section 33, an existing customer information section 32, an existing account information section 33, It comprises an existing fund management information section 34 and a new product information section 35 capable of exchanging information with each other.

The existing customer information unit 32 is a device corresponding to the customer information database 21 of the investment device 20 described above, and has a business relationship (including a case where the customer has a normal account etc.). It is composed of a database for managing various personal information of each customer. The existing account information unit 33 is composed of a database for managing accounts (for example, managing balances) of each customer who already has a business relationship. The existing fund management information unit 34 manages data related to fund management already performed by the financial institution. The existing fund management information unit 34 is connected to the option listing market / over-the-counter market 37 via a communication network, and manages the fund while obtaining information on each market 37 (specifically, distributing the fund to the market). Etc.) can also be performed.

The structure of the new product information section 35 is shown in FIG. 12 and FIG.
This will be described with reference to FIGS. 3 and 14.

As shown in FIG. 12, the new product information section 35
Is provided with a purchased product database 35a in which the content of the product type of the financial derivative product 1 purchased by each customer is recorded.

Items recorded in the purchased product database 35a are data (management number), customer number, account number, customer name, purchase date (of financial derivative product), option type (selected), (investment principal). Currency deposited to a financial institution, investment amount (amount of investment principal), investment interest amount (amount of interest used as investment source), investment principal amount (amount of investment principal used as investment source) ), Original investment amount, cycle (to purchase option), investment period, operation start date. Purchased product database 35a
Each of these items is organized and recorded for each customer. This purchase product database 35a is rewritten to the latest one each time new customer transaction information is input to the financial institution terminal device 31 and this information is sent to the existing customer information section 32.

As shown in FIG. 13, the new product information section 35
Is provided with a customer-specific product operation database 35b that records the operation status of the financial derivative product 1 purchased by each customer.

The items recorded in the customer-specific product operation database 35b are a usage number, a purchase date (of a financial derivative product), an (selected) option type, an investment currency (deposited at a financial institution as an investment principal), Investment amount (investment principal amount), investment interest amount (interest amount used as investment source), investment principal amount (investment principal amount used as investment source), investment source fund amount, (purchase option) Do)
Cycle, investment period, annual customer interest rate (%), operation start date,
Earnings, maturity date, maturity amount, early termination date, early termination amount, withholding tax amount, early termination fee, early termination amount, principal transfer date, transfer amount, withholding tax amount, principal transfer amount, general account transfer Date, transfer amount, withholding tax amount, general account transfer amount,
The situation. In addition, this customer-specific product operation database 3
5b has a table in which the data for each item described above is written for each customer. In the table, when one customer purchases a plurality of financial derivative products, the information is collectively organized and recorded. The customer-specific product operation database 35b is rewritten to the latest one each time new customer transaction information is input to the financial institution terminal device 31 and this information is sent to the existing customer information section 32.

As shown in FIG. 14, the new product information section 35
Is the option purchase cost collected by each customer purchasing the financial derivative product 1, that is, fund management for fulfilling the obligation (payment obligation) that the financial institution has for each customer by the financial derivative product 1. A fund management database 35c that records the situation is provided.

The items recorded in the fund management database 35c are investment cycle, principal (yen), principal (US $), principal (euro), investment source (yen), investment source (US $), investment source. (Euro), Source Put (Yen), Source Put (US $), Source Put (Euro), Source Call (Yen), Source Call (US $), Source Call (Euro)
Is. The money management database 35c records the investment amount invested by the customer in each of the above items.
This money management database 35c is rewritten to the latest information each time new customer transaction information is input to the financial institution terminal device 31 and this information is sent to the existing customer information section 32. The above-mentioned existing fund management information section 34
On the basis of these data recorded in the fund management database 35c, selects the option market with high interest and invests the collected funds.

Next, a third embodiment of the investment device for selling financial derivative products using the above-mentioned investment method will be described with reference to FIG.

As shown in FIG. 15, the investment device 40
Is a homepage server 4 arranged on the high-speed communication network 15 so that the customer terminal device 11 can be connected via the high-speed communication network 15 constituted by the Internet or the like.
1 and a new product dedicated server 42 capable of exchanging information and inputting / outputting information between the homepage server 41,
From an option market dedicated server 44 capable of exchanging information with the new product dedicated server 42 and inputting / outputting information, a financial institution terminal device 45 installed at a store of a financial institution, and a host computer 46. Become.

With this investment device 40, the customer can purchase the above-mentioned financial derivative product 1 using the Internet. That is, the customer uses the Internet to input necessary personal information and information necessary for purchasing the financial derivative product 1 from the home page handling the financial derivative product 1 in the home page server 41. Then, the host computer 46 authenticates the customer based on the input personal information of the customer, and if the result of the authentication is normal, the financial derivative product 1 for which the application is made can be bought or sold. In response to this, new information of the customer who purchased the financial derivative product 1 is input to the new product dedicated server 42. Then, based on this new information, the option market dedicated server 44 makes necessary investment in the market while obtaining information from the option listing market / over-the-counter market 37 as necessary.

The investment device 40 can also sell the financial derivative product 1 over the counter. That is, it is also possible to apply for the purchase of the financial derivative product 1 at the store without using the Internet. In that case, the necessary information is input by the financial institution terminal device 4 installed at the financial institution store or the like.
It will be done in 5.

The homepage server 41 stores a homepage where the customer can purchase the financial derivative product 1 provided by the above-mentioned financial institution using the Internet. The homepage that serves as a sales window for the financial derivative product 1 will be described in detail later.

The new product dedicated server 42 is a database related to the financial derivative product 1, that is, a database corresponding to the various databases 21, 22, 23, 24, 26 connected to the management server 25 of the investment device 20 described above, or Various databases 35a, 35b, 3 stored in the new product information section 35 of the investment device 30 described above.
It has a database corresponding to 5c.

The option market dedicated server 44 is connected to the option listing market / over-the-counter market 37 via a communication network, and manages its funds while obtaining information on each market 37 (specifically, the funds are distributed to the market). Etc.) can also be performed. That is, the server 4 dedicated to the option market
4 is the existing fund management information unit 3 of the investment device 30 described above.
It is a server with functions equivalent to 4.

Further, the financial institution terminal device 45 is installed in a store or the like of a financial institution, and when the customer purchases the financial derivative product 1 and other various products at the store, the personal information of the customer is stored. Is a device for a store clerk of a financial institution or a customer to input / output transaction information and the like. That is, the financial institution terminal device 45 means a terminal device used by an ATM or a clerk installed in a store of a financial institution conventionally.

The host computer 46 is a device capable of inputting and outputting all information managed by the financial institution, and is provided with various databases and control devices for realizing it. More specifically, the host computer 46
Is a database for managing personal information and transaction information of customers, a database for managing own assets of financial institutions, and a management of loan relationships that occur with other financial institutions and companies. It has a database and so on.

Next, the procedure for the customer to connect to the homepage server 41 of the investment device 40 and apply for the purchase of the financial derivative product 1 from the homepage will be described with reference to FIGS. 16 to 24 showing the homepage screen. To do.

The customer uses the customer terminal device 11 to connect to the homepage server 41 of the investment device 40 via the Internet. Then enter the specified address,
A home page 50 as shown in FIG. 16 is downloaded and displayed on the monitor of the customer terminal device 11. The home page 50 serves as a window for financial institutions that sell the financial derivative products 1 described above.

A new customer who does not have an account with the financial institution clicks the access button 50a to the homepage for opening an account in the homepage 50 and opens the account by performing a predetermined input on the homepage for opening an account. To do.
Then, the home page 50 is accessed again to make a predetermined input in the account number input field 50b and the password input field 50c. If you already have an account number,
It can be performed by inputting the account number and password.

When the account number and password are entered,
As shown in FIG. 17, the transaction application page 51 is launched. On this transaction application page 51, an access button 51a for foreign currency purchase application, an access button 51b for foreign currency to yen currency exchange application, an access button 51c for opening foreign currency time deposit application, and an opening of yen time deposit. Access button 51d for application, Access button 51e for domestic remittance application, Access button 5 for overseas remittance application
1f, an access button 51g for application of the above-mentioned financial derivative product (here, the name smart option term is used), an access button 51h for application for reissuing a cash card, an access button 51i for application for purchase of US dollar bills, An access button 51j is provided for purchasing a foreign currency traveler's check. The customer selects the access button 51g for the smart option subscription from the above-mentioned various access buttons.
Select and click.

By this operation, as shown in FIG.
A financial derivative product transaction application page 52 is launched which enables purchase or cancellation of the financial derivative product (smart option fixed term) 1 or confirmation of operation results.
When newly applying to purchase the financial derivative product 1, the customer uses the access button 5 for new application on the relevant page 52.
Click 2a. On the other hand, if you have already purchased and want to know the asset management status of the purchased financial derivative product 1,
If the customer wishes to apply for early termination, he / she clicks on the access button 52b for in-use customers.

The customer has made an access button 52 for new application.
When a is clicked, a product introduction page 53 that introduces the product type of the financial derivative product (smart option fixed) 1 as shown in FIG. 19 is launched. In this product introduction page 53, the statement that the relevant financial derivative product (smart option term) 1 is "a structured term deposit using currency options" or "guaranteed investment principal" Is listed, and three product types are listed.

[0187] The first product type is "principal guarantee-principal growth type". This is a type in which the investment principal 2 is fully guaranteed and the investment principal is grown (increased) by profit, and is the tenth product type shown in FIG. 4 described above.

The second product type is “principal guarantee-profit growth type”. This guarantees the entire investment principal,
In addition, the profit is incorporated into the next investment source 5 and investment source 5
This is a type of increasing (increasing) the profit amount to be obtained next time by increasing the amount from the previous amount. This is the seventh product type shown in FIG. 3 described above.

The third product type is the "principal fixed-super profit growth type". The third product type invests a part of the investment principal 2 as an investment source 5 in an option, and does not guarantee the full amount of the investment principal 2.
This is a type in which a certain fixed amount such as 90% of the investment principal 2 is fixed and guaranteed. The contents of each product type have been described in detail in the above description of the product type, and thus will be omitted here.

As shown in FIG. 19, on this product introduction page 53, financial derivative products (smart option fixed)
A product content description page access button 53a for launching a product content description page 54 on which a product description and a product rule relating to 1 are published, and a return button 53b for returning to the home page 50 are provided.

When the customer clicks the access button 53a for the product content description page, a product content description page 54 as shown in FIG. 20 is launched. This product content description page 54 contains the product description and product agreement regarding the financial derivative product (smart option regular) 1 and the risk concerned with the financial derivative product (smart option regular) 1. In addition, the product description page 54 is a selection page access button for launching a selection page 55 for selecting a prediction type and a product type for a customer who understands the product description, the product terms, and the risks and agrees with them. 54a and a return button 54b for returning to the home page 50.

Then, when the customer clicks the selection page access button 54a, as shown in FIG. 21,
The selection page 55 is launched. This selection page 55
Includes a selection button 55 for selecting the customer's expected items.
a and 55b are provided. This forecast item has the same meaning as what type of option is purchased in the description of each example of the financial derivative product 1 described above.
That is, the selection button 55a is used when selecting the purchase of a call / put option that predicts whether the yen rate on the predetermined date is stronger or weaker than the US dollar against the base date. It is for clicking. On the other hand, the selection button 55b is used when selecting the purchase of a call / put option that predicts whether the yen rate against the euro will be stronger or weaker against the euro on the predetermined date. It is a button to click.

The selection page 55 has selection buttons 55c, 55d, 55e for selecting a product type,
55f is provided. The product type has the same meaning as what is applied to the investment resource 5 in the description of each example of the financial derivative product 1 described above.

That is, the selection button 55c clearly specified as "guaranteed principal-principal growth type" applies the interest fund 3 only to the investment resource 5 and when the profit is obtained by the investment, the profit is obtained. Is a button to be clicked when selecting the type to be incorporated in the investment principal 2, that is, the tenth product type described with reference to FIG.

Further, the selection button 55d clearly marked as "guaranteed principal-revenue growth type" applies only the interest amount 3 to the investment resource 5, and when the profit is obtained by the investment, the profit amount This is a button to be clicked when the sum of the total amount and the interest amount 3 is used as the investment resource 5 for the next option purchase, that is, the seventh product type described with reference to FIG.

[95% principal guarantee-super profit growth type]
The selection button 55e marked as "appropriate some or all of the interest amount 3 and 5% of the investment principal 2" to the investment resource 5 (the remaining 95% of the investment principal 2 is guaranteed without being the investment resource). ) Type, that is, a button to be clicked when the fifth and sixth product types described with reference to FIGS. 2E and 2F are selected. Furthermore, the selection button 55f clearly marked as "90% principal guarantee-super profit growth type" is
Investment source 5 part or all of interest 3 and investment principal 2
10% of the above (the remaining 90% of the investment principal 2 is guaranteed without being used as an investment source), that is, the fifth and sixth product types described with reference to FIGS. 2E and 2F. This is a button to click when selecting.

The selection page 55 is also provided with a return button 55g for returning to the home page 50, like the pages 53 and 54 described above.

When the customer selects the selection button 55a (US dollar / yen exchange rate forecast) and the selection button 55d (guaranteed principal-revenue growth type) provided on the selection page 55, the forecast item is the US dollar / yen exchange rate forecast. In addition, the investment content setting page 56 is launched when the principal guarantee-revenue growth type is selected as the product type. This investment content setting page 56
Further, this page is for setting the type of currency to be the investment principal 2, the amount of the investment principal 2, and the detailed contents of the investment source 5. In this example, the investment period (12 months) and the investment cycle (1 month) are fixed and cannot be selected, but these may be selected from several types. .

As shown in FIG. 22, on the investment content setting page 56, selection check boxes 56a, 56b, 56c,
It is equipped with 56d and 56e. Selection check box 56a
(Yen), 56b (US dollar), and 56c (Euro) are columns for selecting the currency of the investment principal 2. Also,
The selection check columns 56d and 56e are used to make detailed settings of the investment source 5, and the reference numeral 56d is a column for checking when the interest and profit are fully invested, and the reference numeral 56e is the interest amount. This is a column for checking when the department and profit are used as the investment source.

Further, as shown in FIG. 22, the investment content setting page 56 is provided with an investment principal amount input column 56f for setting the amount of the investment principal 2. further,
On the investment content setting page 56, the above-mentioned selection check box 5
Check 6a, 56b, 56c, 56d, 56e,
And, if the amount entered in the investment principal amount input field 56f is correct, a confirmation check field 5 for confirming them
6g is provided. Furthermore, on the investment content setting page 56, a confirmation check box 56h for asking the customer to confirm that the input investment principal amount is transferred from the account to the smart option time deposit, and a password input field 56i are executed. An execution click button 56j that is clicked in some cases and a return button 56k for returning to the home page 50 are provided.

The customer selects the selection check boxes 56b (US $) and 56d (using interest and profit as full investment source) on the investment content setting page 56, and puts 100,000 (in the principal amount input field 56f). If the execution click button 56j is clicked after inputting (100,000), checking operation, password input, etc., the customer forecast input page 57 in which the setting contents are reflected in a predetermined part is launched. In addition,
If the amount entered in the investment principal amount input field 56f is greater than or equal to the amount deposited in the customer's account, a warning message such as "insufficient account balance" is displayed on the customer terminal device 11
Is displayed on the monitor, and the customer input page 57 does not start up, and the input operation becomes an error.

As shown in FIG. 23, the customer forecast input page 57 contains the contents of the product selected by the customer. That is, the customer forecast input page 57 includes US $ /
Yen exchange forecast type, principal guarantee-profit growth type, investment principal 1
It displays US $ 0,000, investment period of 12 months, option investment cycle of 1 month, and annual interest of 3.60% set by financial institutions for investment principal of US $ 100,000.

On the customer forecast input page 57, the customer forecasts the yen's appreciation / depreciation on the predetermined date for 12 times during the investment period (12 months). That is, the option to purchase every predetermined date is selected. In this example, the first option purchase date is December 31, 2000, and the reference date for this purchase is November 30, 2000.
Is the day. That is, the customer predicts whether the yen rate as of December 31, 2000 is rising (yen strong) or falling (yen depreciated) compared to the yen rate against the US dollar as of November 30, 2000. To do.

Also, in this example, the second option purchase date is January 31, 2001, and the first option purchase date is the basis for this purchase date. 2
It is December 31, 000. In other words, in this example, the option purchase date is the next reference date. In this example, this system is adopted from the third time to the final time.

As shown in FIG. 23, the customer estimates that from the first to the twelfth (final) the strong yen, weak yen, strong yen, strong yen, weak yen, weak yen, strong yen, Confirmation button 5 that has been entered in the order of yen appreciation, yen depreciation, yen appreciation, yen appreciation, and yen depreciation, and then clicks if the entry is correct.
When 7a is clicked, the final confirmation page 58 is launched.

As shown in the upper part of FIG. 24, the final confirmation page 58, like the customer forecast input page 57, contains the product details selected by the customer. In addition, as shown in the lower part of FIG. 24, the final confirmation page 58 includes a rate reference date, a rate forecast date (option purchase date), a selected option (customer's forecast), interest, investment resources, and income. The exercise table 58a in which each item of money is posted is displayed. In addition, all the numbers written in the column of interest are 30
It is 0.00 (US $). Actually, the interest rate should be different because the rate forecast date is the end of each month and the number of days in each round is slightly different, but in this figure all interest rates are the same 30
It is displayed as 0.00 (US $).

The interest in the exercise table 58a is
This is the interest payment that is set during the investment cycle period (1 month). That is, in this example, it means the amount of interest that is set by monthly interest.

The investment resource in the exercise table 58a is the amount allocated to the purchase cost of the option on each rate forecast date (option purchase date). The source of investment in this example is the total amount of interest and the previous amount of profit. The amount of income in the right exercise table 58a is the amount of income that the customer can receive when he / she can exercise the right by forecasting each rate forecast date (option purchase date). Note that, as stated in the disclaimer, the right exercise table 58a is the amount of profit when the customer's expectation on each rate forecast date (option purchase date) is correct and the right can be exercised at all times. Is listed.

Further, in the lower part of the right exercise table 58a in FIG. 24, the contents of the right exercise table 58a are confirmed, and if the input is correct, the financial derivative product (smart option time deposit in this example) is entered according to the input condition. A decision button 58b for deciding to purchase 1 is provided. The customer clicks the decision button 58b to complete the purchase application operation for the financial derivative product 1. That is, a sales contract for the financial derivative product 1 is established between the financial institution and the customer. In addition, to the right of this decision button 58b,
A return button 58c for resetting the input contents of the right exercise table 58a and returning to the customer forecast input page 57 shown in FIG. 23 is provided.

Next, the procedure for the customer to connect to the homepage server 41 of the investment device 40 and apply for the mid-term cancellation of the financial derivative product 1 from the homepage will be described with reference to FIGS. 25 to 27 showing the homepage screen. explain. Even when making an early cancellation application, the procedure for making a purchase application that has already been described is the same as the procedure up to this point, so a detailed description thereof will be omitted.

That is, the customer passes through the home page 50 shown in FIG. 16 and the transaction application page 51 shown in FIG. 17, and then the financial derivative product (smart option) as shown in FIG. (Periodically) 1 Launches a derivative product transaction application page 52 where purchase or cancellation of 1 or confirmation of operation results can be performed. If the customer has already purchased and wants to know the asset management status of the purchased financial derivative product 1 or makes an application for early termination, click the access button 52b for in-use customer.

Then, the in-use customer product operation status list page 61 as shown in FIG. 25 is launched. On the product usage status list page 61 for in-use customers, a periodical number,
Specific to each item of product type, currency type as investment principal, investment amount (investment principal), investment period, annual interest rate (%), investment cycle, operation status, transfer date to account, currency received, total amount received The operational status data, in which the numerical values are written, is displayed for each purchased product. The in-use customer product operation status list page 61 includes not only purchased products currently in operation (during the contract period), but also past purchased products that have passed the maturity date and have already finished the contract period. Data of past purchased products that have already been terminated and have already terminated their contract relationships are also displayed.

[0213] The operational status of each purchased product can be displayed in more detail. At the left end of each data showing the operation status of each product in FIG. 25, a click part 61 for launching an operation status detailed data display page 62 for displaying more detailed data.
b, 61c, 61d and 61e are provided respectively. Further, the in-use customer product operation status list page 61 is also provided with a return button 61a for returning to the financial derivative product transaction application page 52 shown in FIG.
Therefore, after confirming the operation status on the in-use customer product operation status list page 61, it is also possible to return from this page 61 to the financial derivative product transaction application page 52 and start a new financial derivative product 1 purchase application. .

It is assumed that the customer clicks the click portion 61d provided at the left end of the display portion on which the operating status of the financial derivative product (periodic number = 0004UJ01) 1 currently in operation is displayed. Then, the operation status detailed data display page 6 that displays more detailed data regarding the operation status of the financial derivative product (regular number = 0004UJ01) 1 currently in operation.
2 stands up.

As shown in FIG. 26, on the operation status detailed data display page 62, the product contents of the purchased product such as the regular number are posted. In addition, as shown in the lower part of FIG. 26, the operation status detailed data display page 62 includes a rate reference date, a rate expected date (option purchase date), a selected option (customer's expectation), a result, and investment resources. The operating status table 62a in which specific numerical values are written in the respective items of profit is posted is displayed. In addition, in the result column, if the right can be exercised (if the forecast is correct), ○
If you couldn't exercise your right (if you didn't expect it)
Are displayed by X respectively.

Of course, this operation status table 6
In 2a, only the part where the result is obtained is displayed. Therefore, results, investment resources,
Each column of the amount of profit is blank.

Furthermore, the operation status table 62a shown in FIG.
A confirmation button 62b for launching a mid-term cancellation request page 63 for mid-term cancellation of this financial derivative product (regular number = 0004UJ01) 1 currently in operation is provided in the lower part of. A return button 62c for returning to the in-use customer product operation status list page 61 shown in FIG. 25 is provided on the right side of the confirmation button 62b. Customers are currently using the product operation status list for customers Page 6
By returning to step 1, the operation status detailed data display page 62 for other purchased commodities can be launched from this page 61, and detailed operation status data for other purchased commodities can be viewed.

As shown in FIG. 27, the premature cancellation request page 63 contains the product details of the purchased product such as the regular number. In addition, as shown in the lower part of FIG.
The mid-term cancellation request page 63 displays the operation record at that time. Specifically, there are various amounts of money in the case of early cancellation, the amount of investment principal (US $ 100,000), and the profits up to the end of last month 9,0
(00 US dollars), current interest (300 US dollars), early termination fee (4,150 US dollars), total amount received (104,15)
Each item of 0 US dollars) is displayed.

Note that the lower part of this display unit is provided with a decision button 63b for accepting the mid-term cancellation based on the operation results displayed on the upper part and for deciding to carry out the mid-term cancellation. The customer clicks this decision button 63b to end the mid-term cancellation application operation of the financial derivative product 1. That is, the sales contract for the financial derivative product 1 between the financial institution and the customer is cancelled.

Further, in FIG. 27, a decision button 63
A return button 63c for returning to the in-use customer product operation status list page 61 shown in FIG. 25 is provided on the right side of b. The customer returns from this page 61 to the operation status detailed data display page 6 regarding other purchased commodities by returning to the in-use customer product operation status list page 61.
Launch 2 and you can see detailed data on the operational status of other purchased products. Then, the early cancellation of the early cancellation request page 63 regarding other purchased products can be performed.

The above-described embodiments are examples of the preferred embodiments of the present invention, but the present invention is not limited to these, and various modifications can be made without departing from the gist of the present invention. It is possible. As one example, although not particularly described in the above embodiment, each home page may be updated with the latest information at any time by using an update button or the like provided in the browser.

[0222]

As described above, according to the investment method, the investment device, and the investment system of the present invention, the interest principal, the profit, etc. set on the investment source, the investment principal or the investment principal, Since the profit amount obtained without reducing a part (for example, 90%) is input as the option purchase cost, it is possible to reach the expiration date without reducing at least the investment principal.

In other words, from the customer's point of view, most of the initial investment funds such as the full amount of the investment principal are guaranteed to be refunded even if the investment is unexpectedly lost. On the other hand, during the predetermined period, option purchases are repeatedly made by using interest money as an investment source, so that the more the customer's expectation, the larger the profit.
For this reason, the customer has the possibility of earning a large profit while maintaining the security of guaranteeing the investment principal.

[Brief description of drawings]

FIG. 1 is a diagram for explaining the concept of an investment method of the present invention, and is a diagram for explaining an example of a customer's expectation which is a basis for option purchase.

FIG. 2 is a diagram for explaining the concept of the investment method of the present invention and is a diagram showing the relationship between an investment principal, an interest amount, and an investment source for purchasing an option.

FIG. 3 is a diagram for explaining the concept of the investment method of the present invention, where the investment resources are the total interest income and all the profits, and the investment resources and the profits during a predetermined period It is a table showing the fluctuation of.

FIG. 4 is a diagram for explaining the concept of the investment method of the present invention, in which the source of investment is all interest (monthly interest) and the profit earned by each option purchase is incorporated into the investment principal. 6 is a table showing fluctuations in investment principal, interest, investment source, and earned amount at each predetermined date during a predetermined period when operating.

FIG. 5 is a device schematic diagram showing an investment device and its periphery according to the first embodiment of the present invention.

6 is a diagram showing internal data of a customer information database of the investment device of FIG.

7 is a diagram showing internal data of a product database of the investment device in FIG.

8 is a diagram showing internal data of an investment information database of the investment device of FIG.

9 is a diagram showing internal data of a forecast database of the investment device of FIG.

FIG. 10 is an operation flow when the investment system of the present invention is operated using the investment device of FIG. 5, specifically, when a customer conducts transactions such as purchase and cancellation of financial derivative products with a financial institution. It is the figure which showed.

FIG. 11 is a device schematic diagram showing an investment device and its periphery according to a second embodiment of the present invention.

12 is a diagram showing a part of internal data of a new product information section of the investment device in FIG.

13 is a diagram showing a part of internal data of a new product information section of the investment device in FIG.

14 is a diagram showing a part of internal data of a new product information section of the investment device in FIG.

FIG. 15 is a device schematic diagram showing an investment device and its periphery according to a second embodiment of the present invention.

16 is a diagram showing an example of a home page stored in a home page server of the investment device in FIG.

17 is a diagram showing an example of a transaction application page, which is an example of a home page stored in the home page server of the investment apparatus shown in FIG.

FIG. 18 is a diagram showing an example of a homepage stored in the homepage server of the investment apparatus shown in FIG. 15, showing an example of a financial derivative product transaction application page.

FIG. 19 is a diagram showing an example of a product introduction page, which is an example of a home page stored in the home page server of the investment apparatus shown in FIG.

20 is a diagram showing an example of a product content explanation page, which is an example of a home page stored in the home page server of the investment device shown in FIG.

21 is a diagram showing an example of a selection page, which is an example of a home page stored in a home page server of the investment device of FIG. 15. FIG.

22 is a diagram showing an example of a homepage stored in a homepage server of the investment apparatus shown in FIG. 15, showing an example of an investment content setting page.

23 is a diagram showing an example of a customer forecast input page, which is an example of a home page stored in the home page server of the investment apparatus of FIG. 15. FIG.

FIG. 24 is a diagram showing an example of a final confirmation page, which is an example of a home page stored in the home page server of the investment apparatus of FIG. 15.

25 is a diagram showing an example of a homepage stored in the homepage server of the investment apparatus shown in FIG. 15, showing an example of a product operation status list page for in-use customers.

26 is a diagram showing an example of a homepage stored in the homepage server of the investment device shown in FIG. 15, showing an example of an operation status detailed data display page.

27 is a diagram illustrating an example of a homepage stored in the homepage server of the investment device in FIG. 15 and an example of an early cancellation page.

[Explanation of symbols]

1 financial derivatives 2 Investment principal 3 Interest 3a Part of interest payment 3b Remaining part of interest 3c Partial distribution of interest 3d Distribution of full amount of interest 5 Investment resources 11 Customer terminal 15 High-speed communication network 20 Investment equipment 21 Customer Information Database 22 product database 23 Investment Information Database 24 Sales Management Database 25 Management server 26 forecast database

Claims (94)

[Claims] 1. Purchase of an option based on the customer's expectation against a predetermined phenomenon on a predetermined date, using a part or all of the interest set by a financial institution for the investment principal invested by the customer as an investment source. And an investment method characterized by repeatedly purchasing this option within a predetermined period. 2. The investment method according to claim 1, wherein the option purchase is repeated every predetermined date within the predetermined period. 3. The investment method according to claim 1, wherein a part or all of the profits obtained by exercising the right of the option is added to the investment source for the next purchase of the option. 4. The investment method according to claim 1, wherein a part of the investment principal is added to the investment source. 5. Part or all of the profit earned by exercising the rights of the option is incorporated into the investment principal, and a part or the interest of interest set by a financial institution for the investment principal in this state. The investment method according to claim 1, wherein the entire amount is applied to the next purchase of the option. 6. The investment method according to claim 1, wherein a part or all of the fee paid to the financial institution when the customer invests is used as the investment source. 7. The investment principal is configured to generate interest or profit such as national currency, commodity purchase money, bond purchase money, securities purchase money, stock purchase money, etc. The investment method according to item 1. 8. The purchase date of the option is in units of days,
2. The investment method according to claim 1, wherein the investment occurs every integer multiple of a weekly, monthly or yearly cycle. 9. The investment method according to claim 7, wherein the period of the option is set by an integral multiple of the purchase date of the option. 10. The investment method according to claim 1, wherein the option is a financial option or a commodity option that is a listed option or an over-the-counter option. 11. The option type is either a plain vanilla option or an exotic option, and the exotic option is a digital option CON (cash or nothing) or a digital option AON (asset or nothing). The investment method according to claim 1, wherein the investment method is one of an average option, a lookback option, and a barrier option. 12. The predetermined phenomenon is defined by various exchange rates,
2. The investment method according to claim 1, wherein numerical values of financial instruments publicly invested in, such as various financial indexes and various financial futures indexes, are used as indexes. 13. The customer's expectation for a predetermined phenomenon on the predetermined date is determined when starting to use the investment method.
2. The investment method according to claim 1, wherein all the days corresponding to the predetermined period are set. 14. The option purchase according to claim 1, wherein each time the right to purchase the option is exercised, the customer predicts a predetermined phenomenon on a predetermined date for the next time, and the option is purchased. Investment method. 15. The option based on the customer's expectation for a predetermined phenomenon on the predetermined date is constituted by a call or put option on the predetermined date based on the start of use of the investment method. The investment method according to claim 1. 16. The option based on the customer's expectation for a predetermined phenomenon on the predetermined date is composed of a call or put option on the predetermined date based on a certain time point after the start of use of the investment method. The investment method according to claim 1, wherein: 17. A call or put option on the predetermined due date based on a predetermined phenomenon on the predetermined due date that is the previous time of the predetermined due date, based on an option based on the customer's expectation for the predetermined phenomenon on the predetermined due date. The investment method according to claim 1, characterized in that 18. An option based on the customer's expectation for a predetermined phenomenon on the predetermined date is based on a certain time after the start of use of the investment method at a certain time after a predetermined period has elapsed from this time. 2. The investment method according to claim 1, wherein the investment method comprises a call or put option. 19. The customer designates that the purchase of the option is stopped during the predetermined period, so that a part or all of the profit earned by the exercise of the option by the time point is invested by the investor. 2. The investment method according to claim 1, wherein the investment method is incorporated in a book or can be acquired by the customer as a profit. 20. When the profit obtained by exercising the right of the option exceeds a predetermined amount or exceeds a predetermined ratio with respect to the investment principal, the purchase of the option after that time is stopped and until that time. 2. The investment method according to claim 1, wherein a part or all of the profit is incorporated into the investment principal, or the customer can obtain the profit. 21. A loan secured by the investment principal,
2. The investment method according to claim 1, wherein a financial derivative product using the investment method can be purchased. 22. A part or all of the interest set by a financial institution is distributed to an investment principal invested by a customer in accordance with the number of times an option is purchased, and the distribution is used as a source of investment for a predetermined date. The investment method, which is applied to the purchase of the option based on the customer's expectation for the predetermined phenomenon in 1. and is repeatedly performed during the predetermined period set in advance. 23. The investment method according to claim 22, wherein the option purchase is repeated every predetermined date within the predetermined period. 24. The investment method according to claim 22, wherein a part or all of the profit obtained by exercising the right of the option is added to the investment source for the next purchase of the option. 25. The investment method according to claim 22, wherein a part of the investment principal is added to the investment source. 26. Part or all of the profit earned by exercising the right of the option is incorporated into the investment principal, and a part or the interest of interest set by a financial institution for the investment principal in this state. 23. The investment method according to claim 22, wherein the entire amount is applied to the next purchase of the option. 27. The investment method according to claim 22, wherein a part or all of the fee paid to the financial institution when the customer invests is used as the investment source. 28. The investment principal is configured to generate interest or profit such as national currency, commodity purchase money, bond purchase money, securities purchase money, stock purchase money, etc. Item 22: Investment method 29. The investment method according to claim 22, wherein the purchase date of the option is generated every integer multiple of a daily, weekly, monthly or yearly cycle. 30. The investment method according to claim 28, wherein the period of the option is set to an integral multiple of the purchase date of the option. 31. The investment method according to claim 22, wherein the option is a financial option or a commodity option that is a listed option or an over-the-counter option. 32. The option type is either a plain vanilla option or an exotic option, and the exotic option is a digital option CON (cash or nothing) or a digital option AON (asset or nothing). 23. The investment method according to claim 22, wherein the investment method is an average option, a lookback option, or a barrier option. 33. The predetermined phenomenon is defined by various exchange rates,
23. The investment method according to claim 22, wherein numerical values of financial instruments that are publicly invested, such as various financial indexes and various financial futures indexes, are used as indexes. 34. The customer's expectation for a predetermined phenomenon on the predetermined date is, at the start of use of the investment method,
23. The investment method according to claim 22, wherein all the days corresponding to the predetermined period are set. 35. The option purchase is performed by making an estimate of the customer for a predetermined phenomenon on a predetermined date for the next time each time the option purchase right is exercised. Investment method. 36. The option based on the customer's expectation for a predetermined phenomenon on the predetermined date is composed of a call or put option on the predetermined date based on the start time of using the investment method. 23. The investment method according to claim 22. 37. The option based on the customer's expectation for a predetermined phenomenon on the predetermined date is composed of a call or put option on the predetermined date based on a certain time point after the start of use of the investment method. 23. The investment method according to claim 22, wherein: 38. The option based on the customer's expectation for a predetermined phenomenon on the predetermined date is a call or put option on the predetermined date based on a predetermined phenomenon on the predetermined date preceding the predetermined date. 23. The investment method according to claim 22, characterized in that 39. The option based on the customer's expectation for a predetermined phenomenon on the predetermined date is based on a certain time after the start of use of the investment method at a certain time after a predetermined period has elapsed from this time. 23. The investment method according to claim 22, wherein the investment method comprises a call or put option. 40. When the customer specifies that the purchase of the option be stopped during the predetermined period, a part or all of the profit earned by exercising the right of the option up to that point is invested by the investor. 23. The investment method according to claim 22, wherein the investment method is incorporated into a book or can be acquired by the customer as a profit. 41. When the profit obtained by exercising the right of the option exceeds a predetermined amount or exceeds a predetermined ratio with respect to the investment principal, the purchase of the option after that time is stopped and until that time. 23. The investment method according to claim 22, wherein a part or all of the profit is incorporated in the investment principal, or the customer can obtain the profit as profit. 42. A loan money secured by the investment principal,
23. The investment method according to claim 22, wherein a financial derivative product using the investment method can be purchased. 43. The option purchase is repeated within a predetermined period set in advance, and (1) the financial institution sets the investment principal invested by the customer as an investment source for the purchase of the option. Part or all of the interest payment, (2) Distribution of part or all of the interest payment distributed according to the number of purchases of the option, (3) One of the fees paid to the financial institution when the customer invests Part or all of it, (4) distribution of part or all of the above fees distributed according to the number of times the option is purchased, (5) part of the investment principal and any of (1) to (4) above. (6) A part of or all of the profits obtained by exercising the rights of the above option and any of (1) to (4) above, (7) The above option At least two of the above-mentioned (5) and a part or all of the profits obtained by exercising the rights of An investment method characterized by being selectable. 44. The investment principal is configured to generate interest or profit such as national currency, commodity purchase money, bond purchase money, securities purchase money, stock purchase money, and the like. Item 43. The investment method. 45. The investment method according to claim 43, wherein the purchase date of the option occurs every integer multiple of a daily, weekly, monthly or yearly cycle. 46. The investment method according to claim 43, wherein the period of the option is set by an integral multiple of the purchase date of the option. 47. The investment method according to claim 43, wherein the option is a financial option or a commodity option that is a listed option or an over-the-counter option. 48. The option type comprises one of a plain vanilla option and an exotic option, and the exotic option is a digital option CON (cash or nothing) or a digital option AON (asset or nothing). 44. The investment method according to claim 43, wherein the investment method is an average option, a lookback option, or a barrier option. 49. The predetermined phenomenon is defined by various exchange rates,
44. The investment method according to claim 43, wherein numerical values of financial instruments that are publicly invested, such as various financial indexes and various financial futures indexes, are used as indexes. 50. The customer's expectation for a predetermined phenomenon on the predetermined date is, at the start of use of the investment method,
44. The investment method according to claim 43, wherein all of the days corresponding to the predetermined period are set. 51. The option purchase is performed by the customer's anticipation for a predetermined phenomenon on a predetermined date for the next time each time the option purchase right is exercised. Investment method. 52. The option based on the customer's expectation for a predetermined phenomenon on the predetermined date is constituted by a call or put option on the predetermined date based on the start time of use of the investment method. The investment method according to claim 43. 53. The option based on the customer's expectation for a predetermined phenomenon on the predetermined date is made up of a call or put option on the predetermined date based on a certain time point after the start of use of the investment method. 44. The investment method according to claim 43, wherein: 54. A call or put option on the predetermined due date based on a predetermined phenomenon on the predetermined due date that is the previous time of the predetermined due date, based on the option based on the customer's expectation for the predetermined phenomenon at the predetermined due date. 44. The investment method according to claim 43, characterized in that 55. The option based on the customer's expectation for a predetermined phenomenon on the predetermined date is based on a certain time after the start of use of the investment method at a certain time after a predetermined period has elapsed from this time. The investment method according to claim 43, wherein the investment method comprises a call or put option. 56. When the customer specifies that the purchase of the option is stopped during the predetermined period, a part or all of the profit earned by exercising the right of the option up to that point is returned to the investor. The investment method according to claim 43, wherein the investment method is incorporated in a book or can be acquired by the customer as a profit. 57. When the profit obtained by exercising the right of the option exceeds a predetermined amount or exceeds a predetermined ratio with respect to the investment principal, the purchase of the option after that time is stopped and until that time. 44. The investment method according to claim 43, wherein a part or all of the profit is incorporated into the investment principal, or the customer can obtain the profit. 58. A loan money secured by the investment principal,
44. The investment method according to claim 43, wherein a financial derivative product using the investment method can be purchased. 59. An investment device connectable from a customer terminal device via a high-speed communication network and capable of inputting / outputting transaction information with a connected customer, to an investment principal invested by the customer. Part or all of the interest set by the financial institution will be used as an investment source for the purchase of the option based on the customer's expectation for the predetermined phenomenon on the predetermined date, and the purchase of this option will be set in advance. An investment device characterized in that it can perform at least one of application for purchase of financial derivative products and early termination using an investment method characterized by being repeatedly performed during a period. 60. The investment device according to claim 59, wherein the customer can use the customer terminal device to at least one of online purchase and online cancellation of a financial derivative product using the investment method. . 61. An investment device which is connectable from a customer terminal device via a high-speed communication network and is capable of inputting / outputting transaction information with a connected customer, wherein the investment principal is invested by the customer. All or part of the interest rate set by the financial institution will be distributed according to the number of purchases of the option, and the distribution will be used as investment resources to purchase the option based on the customer's expectation for the predetermined phenomenon on the predetermined date. For investment, which is characterized by applying at least one of purchase and purchase cancellation of a financial derivative product using an investment method characterized by repeating purchase of this option within a predetermined period. apparatus. 62. The investment device according to claim 61, wherein the customer can use the customer terminal device to at least one of online purchase and online cancellation of a financial derivative product using the investment method. . 63. An investment device connectable from a customer terminal device through a high-speed communication network and capable of inputting / outputting transaction information with a connected customer, wherein an option is purchased for a predetermined period of time. While repeatedly purchasing options, as an investment source for purchasing the options,
(1) Part or all of the interest set by the financial institution on the investment principal invested by the customer, (2) Distribution of part or all of the above interest distributed according to the number of purchases of the option. Gold, (3) some or all of the fees paid to financial institutions when customers invest, (4) some or all of the above fees distributed according to the number of purchases of options, (5) A part of the above investment principal and any one of the above (1) to (4),
(6) A part or all of the proceeds earned by exercising the rights of the above option and any of (1) to (4) above, (7) The proceeds earned by exercising the rights of the option An investment characterized by allowing the customer to select at least two of a combination of a part or all of (5) and (8) and (8) a combination of (1) to (7) as appropriate. An investment device characterized in that it can perform at least one of application for purchase of financial derivative products and early termination using the method. 64. The investment device according to claim 63, wherein the customer can use the customer terminal device to perform at least one of online purchase and online cancellation of a financial derivative product using the investment method. . 65. A customer information database in which customer information including an account number is recorded, a product database in which contents of various products are recorded, an investment information database in which investment information including applicable interest rates is recorded, and each customer A sales management database in which various data for each purchased product is recorded, and a management server that is connected to each of the above databases and is capable of inputting / outputting customer personal information and transaction information, and the customer personal information is stored in the management server. When the information is entered, the customer information database is referenced based on the entered information to authenticate the customer, and the authenticated customer is referred to the product database and the investment information database to enter the information. The financial institution will disclose the products that can be offered to the customer and enter the transaction conditions of this certified customer. Based on the input conditions, some or all of the interest set by the financial institution for the investment principal invested by the customer under the input conditions is used as the investment source, and the option based on the customer's expectation for the predetermined phenomenon on the predetermined date And apply for the purchase of a financial derivative product that uses the investment method characterized by repeatedly purchasing this option during a predetermined period set in advance, and submitting the transaction details to the sales management database. Investment device characterized by input and management. 66. After authenticating the customer, the management server
After referring to the sales management database, disclose the already purchased financial derivative product of the authenticated customer to the customer, and after the customer confirms the transaction content of the financial derivative product, By performing a predetermined input, you can cancel the purchased financial derivative product halfway, and the information that the cancellation was performed is sent to the customer information database and the sales management database and the information is recorded in both databases. 66. The investment device according to claim 65, wherein: 67. The management server is configured to be connectable to the customer terminal device via a high-speed communication network, and the customer connects to the management server from the customer terminal device to apply for a purchase of the financial derivative product or a mid-course. 66. The investment device according to claim 65, wherein at least one of cancellation requests can be made. 68. The investment apparatus according to claim 65, wherein the management server is connected to a fund management information database connected to at least one of an option listed market and an option over-the-counter market. 69. A customer information database in which customer information including an account number is recorded, a product database in which contents of various products are recorded, an investment information database in which investment information including applicable interest rates is recorded, and each customer A sales management database in which various data for each purchased product is recorded, and a management server that is connected to each of the above databases and is capable of inputting and outputting customer personal information and transaction information, and the customer personal information is stored in the management server. When the information is entered, the customer information database is referenced based on the entered information to authenticate the customer, and the authenticated customer is referred to the product database and the investment information database to enter the information. The financial institution will disclose the products that can be offered to the customer and enter the transaction conditions of this certified customer. Under the input conditions, some or all of the interest set by the financial institution will be distributed to the investment principal invested by the customer according to the number of times the option is purchased, and the distribution will be used as the investment source. A financial derivative product that uses an investment method characterized by applying the option purchase based on the customer's expectation against a predetermined phenomenon on a regular day and repeating this option purchase within a predetermined period. An investment device characterized in that a purchase application is made and the transaction details are entered into the sales management database for management. 70. After authenticating the customer, the management server
After referring to the sales management database, disclose the already purchased financial derivative product of the authenticated customer to the customer, and after the customer confirms the transaction content of the financial derivative product, By performing a predetermined input, you can cancel the purchased financial derivative product halfway, and the information that the cancellation was performed is sent to the customer information database and the sales management database and the information is recorded in both databases. 70. The investment device according to claim 69, wherein: 71. The management server is configured to be connectable to the customer terminal device via a high-speed communication network, and the customer connects to the management server from the customer terminal device to apply for or make a purchase request for the financial derivative product. 70. The investment device according to claim 69, wherein at least one of cancellation requests can be made. 72. The investment apparatus according to claim 69, wherein the management server is connected to a fund management information database connected to at least one of an option listed market and an option over-the-counter market. 73. A customer information database in which customer information including an account number is recorded, a product database in which contents of various products are recorded, an investment information database in which investment information including applicable interest rates is recorded, and A sales management database in which various data for each purchased product is recorded, and a management server that is connected to each of the above databases and is capable of inputting / outputting customer personal information and transaction information, and the customer personal information is stored in the management server. When the information is entered, the customer information database is referenced based on the entered information to authenticate the customer, and the authenticated customer is referred to the product database and the investment information database to enter the information. The financial institution will disclose the products that can be offered to the customer and enter the transaction conditions of this certified customer. Therefore, under the input conditions, option purchases are repeated during a predetermined period of time when options are purchased, and (1) a financial institution invests in the principal invested by the customer as an investment source for purchasing the option. Part or all of the interest set, (2) Distribution of part or all of the above interest distributed according to the number of purchases of the option, (3) Fee paid to the financial institution when the customer invests Part or all of
(4) Distribution in which part or all of the above fees are distributed according to the number of times the option has been purchased, (5) A portion of the above investment principal and any of the above (1) to (4) , (6) Part or all of the profits obtained by exercising the rights of the above options and the above (1) to (4)
(7) A combination of (5) with a part or all of the profits obtained by exercising the rights of the above options, (8) Above (1)-
Apply for purchase of a financial derivative product using the investment method characterized in that the customer can select at least two of the combination of (7) as appropriate, and enter the transaction details into the sales management database. Investment equipment characterized by being managed by 74. After authenticating the customer, the management server
After referring to the sales management database, disclose the already purchased financial derivative product of the authenticated customer to the customer, and after the customer confirms the transaction content of the financial derivative product, By performing a predetermined input, you can cancel the purchased financial derivative product halfway, and the information that the cancellation was performed is sent to the customer information database and the sales management database and the information is recorded in both databases. 74. The investment device according to claim 73, wherein: 75. The management server is configured to be connectable to the customer terminal device through a high-speed communication network, and the customer connects to the management server from the customer terminal device to apply for or purchase the financial derivative product. The investment device according to claim 73, wherein at least one of cancellation applications can be performed. 76. The investment apparatus according to claim 73, wherein the management server is connected to a fund management information database connected to at least one of an option listing market and an option over-the-counter market. 77. Purchase of an option based on the customer's expectation against a predetermined phenomenon on a predetermined date, with a part or all of the interest set by a financial institution for the investment principal invested by the customer as a source of investment. As well as
An investment system that operates an investment method characterized by repeatedly purchasing this option during a predetermined period, which is connectable and connectable via a high-speed communication network from a customer terminal device of a customer. By providing an investment device that can input and output transaction information with customers,
An investment system, wherein the customer can purchase a financial derivative product using the investment method by using the customer terminal device. 78. The investment system according to claim 77, wherein the customer is allowed to terminate the financial derivative product purchased halfway through the customer terminal device. 79. The customer can obtain an account by using the investment device to open an account of a financial institution that manages the investment device, and by purchasing the financial derivative product. 79. The investment system according to claim 77, wherein the profit is transferred to the account. 80. A part or all of the interest set by a financial institution is distributed to an investment principal invested by a customer according to the number of times an option is purchased, and the distribution is used as a source of investment for a predetermined date. In the investment system for operating an investment method, which is characterized in that the purchase of the option based on the customer's expectation for the predetermined phenomenon in the above is purchased and the purchase of the option is repeatedly performed within a predetermined period. By providing an investment device that is connectable from a customer terminal device of a customer via a high-speed communication network and is capable of inputting / outputting transaction information with the connected customer, the customer makes the investment using the customer terminal device. An investment system characterized in that a financial derivative product can be purchased using the method. 81. The investment system according to claim 80, wherein the customer is allowed to terminate the financial derivative product purchased by the customer halfway. 82. The customer can obtain an account by using the investment device, opening an account of a financial institution that manages the investment device, and purchasing the financial derivative product. 81. The investment system according to claim 80, wherein the generated profit is transferred to the account. 83. The option purchase is repeated during a predetermined period of time for which the option is purchased, and (1) the financial institution sets the investment principal invested by the customer as an investment source for the purchase of the option. Part or all of the interest payment, (2) Distribution of part or all of the interest payment distributed according to the number of purchases of the option, (3) One of the fees paid to the financial institution when the customer invests Part or all of it, (4) distribution of part or all of the above fees distributed according to the number of times the option is purchased, (5) part of the investment principal and any of (1) to (4) above. (6) A part of or all of the profits obtained by exercising the rights of the above option and any of (1) to (4) above, (7) The above option At least two of the above-mentioned (5) and a part or all of the profits obtained by exercising the rights of An investment system that operates an investment method characterized by being selectable,
By providing an investment device that is connectable from a customer terminal device of a customer via a high-speed communication network and is capable of inputting / outputting transaction information with the connected customer, the customer makes the investment using the customer terminal device. An investment system characterized in that a financial derivative product can be purchased using the method. 84. The investment system according to claim 83, wherein mid-term cancellation of a financial derivative product purchased by the customer can be performed using the customer terminal device. 85. The customer can obtain an account by using the investment device to open an account of a financial institution that manages the investment device, and by purchasing the financial derivative product. 84. The investment system according to claim 83, wherein the profit is transferred to the account. 86. Purchase of an option based on the customer's expectation against a predetermined phenomenon on a predetermined date, using a part or all of the interest set by a financial institution on the investment principal invested by the customer as an investment source. As well as
It is an investment system that operates an investment method characterized by repeatedly purchasing this option within a predetermined period, and by referring to the input information by inputting the personal information of the customer, An investment system characterized in that it is possible to apply for purchase of a financial derivative product using the above-mentioned investment method by authenticating a customer and, after the authentication, inputting a transaction condition desired by the customer. 87. When the customer is a new customer, an account is opened to a financial institution that manages the investment system by inputting predetermined customer information, the customer is authenticated after the account is opened, and 87. The investment system according to claim 86, wherein after the authentication, the purchase application can be made by inputting a transaction condition desired by the customer. 88. When the customer is a customer who has already purchased the financial derivative product, it is possible to cancel the mid-term cancellation of the financial derivative product already purchased by performing a predetermined input after the authentication. 87. The investment system of claim 86, which is. 89. A portion or all of the interest set by a financial institution is distributed to an investment principal invested by a customer according to the number of times an option is purchased, and the distribution is used as a source of investment for a predetermined date. In the investment system for operating an investment method, which is characterized in that the purchase of the option based on the customer's expectation for the predetermined phenomenon in the above is purchased and the purchase of the option is repeatedly performed within a predetermined period. A financial derivative product using the above investment method by inputting the customer's personal information to authenticate the customer while referring to the input information, and then inputting the transaction conditions desired by the customer after the authentication. An investment system characterized by being able to apply for the purchase of. 90. When the customer is a new customer, an account is opened to a financial institution that manages the investment system by inputting predetermined customer information, and the customer is authenticated after the account is opened. 90. The investment system according to claim 89, wherein the purchase application can be made by inputting transaction conditions desired by the customer after authentication. 91. If the customer is a customer who has already purchased the financial derivative product, it is possible to cancel the mid-term cancellation of the financial derivative product already purchased by performing a predetermined input after the authentication. 90. The investment system of claim 89, which is. 92. The option purchase is repeated within a predetermined period, and the financial institution sets (1) the investment principal invested by the customer as an investment source for the purchase of the option. Part or all of the interest payment, (2) Distribution of part or all of the interest payment distributed according to the number of purchases of the option, (3) One of the fees paid to the financial institution when the customer invests Part or all of it, (4) distribution of part or all of the above fees distributed according to the number of times the option is purchased, (5) part of the investment principal and any of (1) to (4) above. (6) A part of or all of the profits obtained by exercising the rights of the above option and any of (1) to (4) above, (7) The above option At least two of the above-mentioned (5) and a part or all of the profits obtained by exercising the rights of An investment system that operates an investment method characterized by being selectable,
A financial derivative product using the above investment method by inputting the customer's personal information to authenticate the customer while referring to the input information, and then inputting the transaction conditions desired by the customer after the authentication. An investment system characterized by being able to apply for the purchase of. 93. If the customer is a new customer, an account is opened to a financial institution that manages the investment system by inputting predetermined customer information, and the customer is authenticated after the account is opened. 93. The investment system according to claim 92, wherein after purchase, the purchase application can be made by inputting the transaction conditions desired by the customer. 94. If the customer is a customer who has already purchased the financial derivative product, it is possible to cancel the mid-term cancellation of the financial derivative product already purchased by performing a predetermined input after the authentication. 93. The investment system of claim 92, wherein