JP2004046884A - Information processing system and its method, and recording medium recorded with information processing program running on computer - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a framework allowing appropriate transaction of a commodity provider on the basis of evaluation from a user acquired by provision of useful information or the like. <P>SOLUTION: A function is provided for dispersing orders to a plurality of commodities (including intangibles and services) providers on the basis of orders received from users, and a function is provided for determining an amount to be ordered to each commodity provider so that there is more order quantity in proportion to a higher evaluation value on the basis of evaluation values given to the commodity providers by the users. <P>COPYRIGHT: (C)2004,JPO

Description

The present invention relates to information processing technology for placing an order with a product (including intangibles and services) provider based on an order received from a user, and in particular, based on an order received from an investor that is a user. It is concerned with information processing technology for ordering securities transactions such as stocks and investment trusts to securities companies that provide brokerage services.

Conventionally, when an investor wants to trade securities, it is common practice to first open a trading account with a securities company and then trade through such a trading account. The same applies to online trading using the Internet, which is rapidly increasing in recent years.

Securities companies provide various services to investors, provided they open a trading account. As one of such services, for example, there is a service for providing investment information. There are many types of investment information, such as those concerning the economy, finance, specific companies, specific stocks, specific investment products, etc., and many investors make investment decisions based on this information. Obtaining investment information from securities companies is a major goal for investors to open trading accounts. For this reason, securities companies strive to differentiate themselves from other companies by providing more useful investment information and strive to attract more investors.

Since some investment information provided by securities companies is provided only by that securities company, investors who want to obtain more investment information should open trading accounts with multiple securities companies. , The right to receive services must be obtained from each company.

However, in order to open a trading account with a plurality of securities companies, it is necessary to submit an identification document etc. for each securities company, which is extremely complicated in terms of procedures. In addition, account maintenance costs and the like are required for each company, and the cost burden also increases.

In addition, opening trading accounts with multiple securities companies has a problem from the viewpoint of asset management. For example, since assets are distributed among a plurality of accounts, the investor must collect the assets of each account and grasp the total assets by themselves. Also, it is troublesome to manage sales reports and monthly reports sent by each company.

Therefore, the present invention provides an information processing system that enables investors to acquire investment information provided by each company without opening a trading account at each securities company, and to unify securities transactions through each company. The primary purpose is to provide a framework that can be used.

By the way, securities companies can only receive brokerage commissions when investors trade through their own companies. The primary purpose of providing investment information services is to increase the number of transactions by obtaining evaluations from investors that they provide a lot of useful investment information.

However, some investors, even if they obtain useful investment information from one securities company, conduct the transaction through another securities company with a lower commission. That is, for securities companies, providing useful investment information does not necessarily directly increase the number of transactions.

In view of the above, a second object of the present invention is to provide a framework that enables a securities company to mediate a reasonable transaction based on an evaluation from an investor obtained by providing useful investment information. I do.

問題 Here, the problem that providing useful information does not necessarily directly increase the number of transactions is a general problem that can occur outside of securities transactions. In other words, no matter how much useful information the product provider provides to attract the user, there is no guarantee that the user will actually make a transaction through the product provider, You can not gain profit.

Therefore, a third object of the present invention is to provide a framework that allows a product provider to make a reasonable transaction based on user evaluations obtained by providing useful information.

According to the information processing method of the present invention, based on an order received from a user, a step of distributing orders to a plurality of product (intangible, including service) providers is provided, and an evaluation given by the user to the product provider is provided. Determining a quantity to be ordered from each product provider so that a higher evaluation value results in a larger order quantity based on the value.

Further, the information processing method of the present invention includes an order receiving step of receiving an order for buying and selling securities from a user, an investor, an ordering step of distributing orders to a plurality of intermediaries based on the order, And managing the information of the securities that have been traded for each intermediary in association with the investor who has performed the transaction.

Preferably, a step of outputting the investment information in response to a request from an investor with reference to storage means for storing investment information provided through each intermediary in association with the intermediary, A ratio determining step of determining and storing an order ratio based on information on how much the investment information provided through the intermediary has been output, and the ordering process includes: Determine the amount.

In this case, the method further includes a step of receiving evaluation information on investment information from an investor, wherein the ratio determining step is based on information on how much the investment information provided through each intermediary has been output, and the evaluation information. It is desirable to determine the order ratio.

In the information processing method of the present invention, it is desirable that input and output to and from a user be performed via a communication network (for example, the Internet).

プ ロ グ ラ ム A program according to the present invention causes a computer to execute each step of the information processing method according to the present invention. The program of the present invention can be installed or loaded on a computer through various recording media such as a CD-ROM, a magnetic disk, and a semiconductor memory.

The information processing system according to the present invention has a function of distributing orders to a plurality of product (including intangible and service) providers based on an order received from a user, and an evaluation provided by the user to the product provider. On the basis of the value, there is provided a function of determining the order quantity to be ordered from each product provider so that the higher the evaluation value, the larger the order quantity.

Further, the information processing system of the present invention has an order receiving function for receiving an order for buying and selling of securities from an investor being a user, an ordering function for distributing orders to a plurality of intermediaries based on the order, and an ordering function. And a function of managing information on the securities that have been traded for each intermediary in association with the investor who has performed the transaction. Furthermore, a function of receiving a designation of a predetermined broker from among a plurality of brokers from an investor, and a second order function of placing an order for trading with the designated broker based on the order are provided. Is desirable.

Preferably, the ordering function determines the order amount to each intermediary based on the ordering ratio stored in the system. It is desirable that the order ratio is stored independently for each investor.

Preferably, further, the investment information provided through each intermediary is stored in association with the intermediary, and the investment information is output in response to a request from the investor, and the function is provided through each intermediary. And a ratio determining function for determining and storing the order ratio based on information on how much investment information has been output.

In this case, the apparatus further includes a function of receiving evaluation information on investment information from an investor, wherein the ratio determination function is based on information on how much the investment information provided through each intermediary has been output, and the evaluation information. It is desirable to determine and store the order ratio.

In the information processing system of the present invention, it is desirable that input and output to and from a user be performed via a communication network (for example, the Internet).

In the present specification, the term “means” does not simply mean physical means, but also includes a case where functions of the means are realized by software. Further, the function of one unit may be realized by two or more physical units, or the function of two or more units may be realized by one physical unit.

に お い て In this specification, the term “intermediary” refers to a person who can mediate the trading of securities, and is not limited to securities companies. However, in the following, for ease of understanding, a description will be given of a securities company as a representative intermediary as an example.

ADVANTAGE OF THE INVENTION According to this invention, an investor can acquire the investment information provided by each company without opening a trading account with each securities company, and can unify the trading of securities through each company. Can provide a framework that can be used.

According to the present invention, it is possible to provide a framework in which a securities company can broker a reasonable transaction based on an evaluation from an investor obtained by providing useful investment information.

According to the present invention, it is possible to provide a framework that allows a product provider to make a reasonable transaction based on a user's evaluation obtained by providing useful information.

(1st Embodiment)
Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing a configuration of an information processing system according to the first embodiment of the present invention. As shown in FIG. 1, the information processing system 1 includes an account information storage unit 10, an investment information storage unit 11, an order ratio storage unit 12, an order information storage unit 13, an IF (interface) unit 14, and a control unit 15. It is comprised including.

Here, the information processing system according to the present invention only needs to include the above-described units, and may be a physically dedicated system or a general-purpose information processing apparatus. For example, in an information processing apparatus having a general configuration including a processing device, an input unit, a storage unit, and an output unit, by activating software that defines each process in the information processing method of the present invention, the information of the present invention is obtained. A processing system can be realized. .

The account information storage means 10 associates a user ID assigned to an investor (hereinafter, referred to as a “user”) using the information processing system 1 with personal information, transaction history information, and custody information of the user. And so on.

The user ID is generated by the control unit 15 on condition that the user registers personal information in the information processing system 1, and is given to the user.

Personal information can be configured to include, for example, name, address, e-mail address, age, occupation, gender, telephone number, and the like. However, what kind of information is used as personal information may be determined according to the design, and any information may be used as long as it is useful for analyzing a user class (customer class).

As the transaction history information, for example, in the case of stocks, an intermediary securities company, trade date, brand, transaction details (purchase, sale, receipt), quantity, unit price, contract price, commission, tax, receipt / payment amount, etc. Can be included.

Asset information in custody is managed in stocks and investment trusts (MMF, public and corporate bond investment trusts, stock investment trusts) managed in the user's account opened in an actual trust bank or agency company (hereinafter, referred to as “trust bank etc.”). Etc.), deposits, etc. The deposit asset information is updated in conjunction with the account of the trust bank or the like. For example, when there is a deposit or the like in the account of the trust bank or the like, the deposit or the like in the deposit asset information is also updated. Regarding such an update, it is preferable that information is transmitted from the trust bank or the like to the information processing system 1 through a communication network and is automatically updated. However, the information processing system 1 may be configured to update based on information sent from a trust bank or the like by an administrator or the like.

For example, in the case of stocks, the custody asset information can be configured to include information such as the number of shares held, the average acquisition unit price, the total investment, the market price, and the market capitalization for each issue.

The investment information storage means 11 stores investment information provided through a securities company in association with each securities company.

Investment information consists of attribute information such as analyst name, target field, theme, brand, amount of information, date of creation, and report information including analysis results. The report information may be any information as long as the information can be stored in the storage means, such as text, table, graph, audio, image (moving image, still image), or html (Hyper Text Markup Language) including these. Various forms such as the information described by ()) and computer programs are conceivable.

It is desirable that the investment information be configured so that a person in charge of a securities company, an analyst, or the like can directly input the information processing system 1 through a communication network, for example. May be configured to be input.

The order ratio storage means 12 stores the order ratio of the user in association with the user ID.

The order ratio is information indicating, with respect to a plurality of securities companies that can place an order through the information processing system 1, the ratio of the order quantity to be allocated to each securities company. For example, it is assumed that an order can be placed with three securities companies A, B, and C, and the order ratio of a certain user is (A: B: C) = (50:30:20). . At this time, if an order of 1000 units is received from the user, an order is placed by assigning 500 units to Company A, 300 units to Company B, and 200 units to Company C.

(4) The order ratio storage means 12 stores the evaluation value of each user for each securities company in association with the user ID. The evaluation value is basic information for calculating the order ratio, is increased or decreased in an investment information output process described later, and is initialized in principle every predetermined period (for example, one month).

(2) The data structure of the information stored in the order ratio storage means 12 is conceptually in a table format as shown in FIG.

(4) The order information storage means 13 stores information on orders received from the user, information on orders made based on the order information, results of the orders, and the like in association with the user IDs.

For example, in the case of stocks, the order information can be configured to include information such as a brand, an instruction of transaction contents (whether a purchase or a sale, a limit or a market), a quantity, a unit price, and the like. . If the user specifies a securities company, that information is also included.

Order information is basically the same as order information. Therefore, information that always overlaps with the order information may be omitted without being stored. However, since orders may be distributed to a plurality of securities companies, at least the quantity is stored for each securities company.

The order result is information indicating whether or not the transaction has been concluded (ie, whether or not the contract has been executed), and is stored for each securities company. In the case where the transaction is concluded, a fee paid to the securities company and information on the contracted unit price are also included.

(3) The data structure of the information stored in the order information storage means 13 is conceptually in a table format as shown in FIG.

In each storage unit, a conventional database technology such as a relational database can be used for data management and retrieval.

The IF unit 14 is configured to be able to input and output information to and from the information processing unit 100. The information processing means 100 only needs to be configured to be able to receive an input from a user and output information to the user. Can be used as The information processing means 100 may be configured to be included in the information processing system 1 or may be configured as an external information processing device. Further, the information processing means 100 and the information processing system 1 may be configured to be connected via a communication network (including both wired and wireless) such as the Internet. In this case, the information processing unit 100 and the IF unit 14 have a normal configuration necessary for communicating via a communication network. For example, when connecting via the Internet, a communication module having a PPP driver and a TCP / IP driver is provided. Thereby, the user can download various information from the information processing system 1 to the information processing means 100 via the Internet.

If the information processing means 100 is a portable terminal, the information processing means 100 is connected to the information processing system 1 via a predetermined external gateway (for example, an i-mode center of NTT DOCOMO).

The control means 15 receives various inputs from the user via the information processing means 100 and the IF means 14, and executes account opening processing, investment information output processing, order receiving / ordering processing, and the like. FIG. 1 illustrates each of the above-described processes executed by the control unit 15 as functional units. In addition to the above processing, the control unit 15 outputs market information (domestic market trends, overseas market trends, foreign exchange trends, individual brand trends, news, etc.) and various information (portfolio status, Output processing of custody asset statement, transaction statement, realized profit / loss statement, evaluation profit / loss statement, etc.), output processing of order ratio, etc. are executed.

The control means 15 outputs menu display screen information as shown in FIG. 4 to the user who has accessed the information processing system 1. The user can select each process based on the screen information and request the information processing system 1 to execute the process. Note that the investment information output processing, the order receiving / ordering processing, and the like may be configured to execute the login processing before executing the processing.

(4) The login process is a process of determining (authenticating) whether a user who requests execution of the process is a legitimate user assigned a user ID. For authentication, for example, a method such as password collation can be used.

The following describes the account opening process (account opening function), investment information output process (investment information output function), and ordering process (ordering function). In addition, each step can be executed by arbitrarily changing the order within a range that does not cause inconsistency in processing contents.

(Account opening process)
The account opening process is a process for securing a storage area for the user in the account information storage means 10 and opening an account in an actual trust bank or the like in response to an application for opening an account from a user.

(4) The user selects “application for opening an account” from the menu screen and transmits an execution request to the information processing system 1. The control unit 14 that has received the execution request reads out the account opening application screen information stored in the system and outputs it to the information processing unit 100. The user outputs personal information such as name and address to the information processing system 1 based on the screen information. Upon receiving the personal information, the control unit 14 newly generates a user ID and assigns it to the user. Then, personal information is stored in the account information storage unit 10 in association with the generated user ID, and a storage area for storing transaction history information and custody asset information is secured. Further, a storage area for storing the order ratio is secured in the order ratio storage unit 12 in association with the generated user ID. Next, the control means 14 outputs the received personal information to a predetermined trust bank or the like. As an output method, a method of transmitting the information to an information processing system owned by a trust bank or the like through a communication network is preferable, but a configuration using a telephone or a facsimile may be used.

(4) The trust bank, etc. that has received the personal information will carry out the account opening procedure as usual. That is, necessary documents are mailed to the user, personal identification documents and the like are received from the user, and an account is opened. When the information processing system 1 is operated by a trust bank or the like, it goes without saying that the step of outputting personal information to the trust bank or the like is unnecessary. In this case, an account information database owned and managed by the trust bank or the like can be used as the account information storage means 10.

(Investment information output processing)
The investment information output process is a process of selecting investment information based on an input from a user and outputting the selected investment information to the user. The investment information output process is, in principle, intended for a user who has acquired a user ID through an account opening process. However, the specific investment information may be configured to be output as a sample to a user who has not acquired a user ID, that is, an unspecified user.

The investment information output process is started when the user selects “browse investment information” from the menu screen and transmits an execution request to the information processing system 1. Hereinafter, the investment information output process will be described in detail with reference to the flowchart shown in FIG.

In step S100, list information is created based on the investment information stored in the investment information storage unit 11. The list information is information used by the user to compare a plurality of investment information transversely and select investment information of interest.

The list information is created as screen information in which the affiliation of the analyst, the analyst name, the title (theme) of the investment information, the summary of the investment information, and the like are arranged for each investment information, as shown in FIG. 6, for example. The summary of the investment information may be created as another screen information. Next, the created list information is output to the user via the IF unit 14 and the information processing unit 100. The user can specify desired investment information based on the list information.

In addition, a configuration may be adopted in which the user receives designation of a field, an individual company, a providing securities company, an analyst, and the like. In this case, the system is configured to extract investment information matching the specified contents and create list information.

In step S101, designation of investment information is received from the user, and the designated investment information is selected and read from the investment information storage unit 11.

In step S102, the selected investment information is output to the user via the IF unit 14 and the information processing unit 100 as, for example, screen information as shown in FIG. Such screen information is composed of various information such as texts, graphs, tables, and images (still images, moving images). This allows the user to acquire (download) the investment information and browse it.

Here, the screen information for displaying the investment information may be provided with an item for inputting a user's evaluation on the investment information. It is conceivable that the evaluation is represented as a multi-stage score such as (1, 2, 3) or (-1, 0, 1).

In step S103, the securities company corresponding to the selected investment information is extracted with reference to the investment information storage means 11. Then, with reference to the order ratio storage means 12, the extracted evaluation value of the securities company stored corresponding to the user (user ID) who acquired the investment information is read and updated by adding + α.

If α = 1, the number of times investment information is selected becomes the evaluation value of the securities company as it is. That is, the more investment information to be provided is selected, the higher the evaluation value of the securities company.

On the other hand, when the user has input an evaluation for investment information, such a value may be used as α. In this case, the evaluation value of the securities company is determined not by the number of times of selection of the investment information but by the evaluation of the user. When the evaluation score input by the user is composed of only positive values such as (1, 2, 3), the evaluation value monotonically increases, and is positive or negative as (-1, 0, 1). In the case where the evaluation value is included, the evaluation value increases or decreases.

Here, two types of screen information of investment information, an abstract version and a detailed version, may be provided. In this case, it is conceivable to add + α to the evaluation value only when the detailed version is selected.

(4) In step S104, an order ratio update process is performed. That is, with reference to the order ratio storage means 12, the evaluation value of each securities company stored corresponding to the user (user ID) who acquired the investment information is read. Then, the order ratio of each securities company is calculated according to, for example, (the evaluation value of each securities company / the total of the evaluation values of all securities companies), and the contents stored in the order ratio storage means 12 are updated. For example, when the evaluation values of Company A, Company B, and Company C are 25, 15, and 10, respectively, the ordering ratio of each company is 50%, 30%, and 20%.

Note that the order ratio update process may be configured separately from the investment information output process. In this case, the order ratio update process is periodically executed with a predetermined period (for example, one month) as a cycle. I do.

(Order processing)
The order receiving process is a process of receiving a trading order for securities from a user and placing an order with a securities company based on the trading order. The ordering process is intended for a user who has acquired a user ID through an account opening process.

The order receiving process is started when the user selects “order” from the menu screen and transmits an execution request to the information processing system 1. Hereinafter, the ordering process will be described in detail with reference to the flowchart shown in FIG.

{Circle around (2)} In step S200, read the order receiving screen information stored in the system and output it to the information processing means 100. The user transmits order information to the information processing system 1 based on the screen information.

(4) The order reception screen information is composed of a search screen for narrowing down transaction targets and an input screen for inputting order information. For example, in the case of stocks, as shown in FIG. 9A, the search screen is configured to be searchable by industry, brand name, brand code, initials of the brand name, and the like. Further, as shown in FIG. 9 (b), the input screen displays stock price information (stock name, current value, previous day's price, trading volume) and charts related to the stock to be traded, and allows the user to place an order while viewing the stock price information. Configure so that you can enter information.

Here, an item (symbol 200) for designating a securities company is provided on the input screen. The information processing system 1 is characterized in that orders can be distributed to a plurality of securities companies, but if a user desires, the order can be placed only with a specific securities company.

(4) The user can transmit desired order information based on the input screen. Note that, by transmitting the order information, the trade is actually executed. Therefore, the processing may be configured to prompt the user to reconfirm the order information so as not to erroneously transmit the order information.

In step S201, order information is received from the user. Then, the order information is stored in the order information storage means 13 in association with the user (user ID) who received the order information.

In step S202, the user refers to the account information storage means 10 to read out the asset information of the user and determine whether or not the received order information can be ordered.

For example, in the case of a purchase order, it is determined that an order can be placed if the payment amount when all transactions based on the order information are completed is equal to or less than the deposit. In this case, the user needs to deposit a predetermined deposit into an account of a trust bank or the like before requesting ordering processing. Further, for example, in the case of a sales order, it is determined that an order can be placed if the quantity of the transaction target (order quantity) based on the order information is equal to or less than the total quantity of the transaction target held as the custody of the user.

If it is determined that the order cannot be placed, a predetermined message is notified to the user, and the process returns to step S200 or ends.

In step S203, the order ratio corresponding to the user (user ID) that has received the order information is read out with reference to the order ratio storage unit 12. Then, the order quantity is prorated to each securities company based on the read order ratio, order information is created for each securities company based on the prorated quantity and the order information, and stored in the order information storage means 13. I do.

If the fractionation results in a fraction, for example, priority should be given to securities companies with a high order ratio. For example, if the order quantity is 9 units and the ordering ratio is 50%, 30%, and 20% respectively for Company A, Company B, and Company C, first, for Company A, 9 × 0.5 = 4.5 Assign 4 units. Next, two units are assigned to Company B from 9 × 0.3 = 2.7. Then, one unit is assigned to Company C from 9 × 0.2 = 1.8. Finally, the remaining two units are allocated to Company A and Company B one unit at a time in the order of higher order ratio. As a result, Company A has 5 credits, Company B has 3 credits, and Company C has 1 credit. Note that this fraction distribution method is an example, and another distribution method may be used.

On the other hand, if the user designates a securities company, the total order quantity is allocated to the designated securities company without reading out the order ratio, and stored as order information in the order information storage means 13.

At this stage, screen information for reconfirmation including information on the quantity allocated to each securities company may be created and output to the user.

In step S204, corresponding order information is output to each securities company. However, the order information is not output to the securities company whose assigned quantity is 0. As an output method, a method of transmitting the information to an online trading system held by a securities company through a communication network is preferable, but it may be configured to use a telephone, a facsimile, or the like.

The securities company that has received the order information conducts securities transactions in the market as usual, and if the transaction is completed, the contents of the transaction are entered into the account of the user who accepted the order information, such as a trust bank account. And deposit / withdrawal processing of securities in accordance with. Then, the result of the order including the establishment / non-success of the transaction is transmitted to the information processing system 1 (or input to the information processing system 1 through the administrator of the information processing system 1).

Instead of directly exchanging information between the information processing system 1 and the securities company, the system is configured so that order information is output to the securities company via a trust bank or the like, or the order result is received from the securities company. You may.

In step S205, referring to the order information storage means 13, the order result received from the securities company is stored in association with the user (user ID) who received the order information. Further, the order result is output to the user.

In step S206, based on the order information, order information, and order result stored in the order information storage unit 13, the user's transaction history information and custody asset information stored in the account information storage unit 10 are updated (for example, , Updating the number of shares held, average acquisition unit price, etc., and reducing commissions paid from deposits). Then, the update result is output to a trust bank or the like. The trust bank or the like that has received the update result checks whether the contents match the contents of the assets managed in the account.

When the information processing system 1 is operated by a trust bank or the like, order processing can be executed using an online trading system owned and managed by the trust bank or the like. In this case, it is needless to say that the step of outputting the update result to the trust bank or the like is unnecessary.

According to the configuration of the present embodiment, since the account information storage means updated in conjunction with one account opened in the trust bank or the like is configured to collectively store the transaction results performed through each securities company, Securities can be traded through multiple securities companies without opening accounts at each securities company. In addition, since the user's assets are centrally managed by the one account, there is no problem in asset management that the asset information is dispersed, and the trouble of sending monthly reports and the like from each company is also eliminated. Does not occur.

In addition, the order ratio to each securities company is determined based on the evaluation from the user, and the order is distributed to each securities company based on the order ratio. Can broker more transactions. Under such a framework, the securities company can be motivated to provide more useful investment information in order to obtain high evaluations from users. On the other hand, as an investor, it is possible to efficiently obtain useful investment information by conducting a transaction using the information processing system 1, and as a result, a win that is beneficial to both securities companies and investors A Win relationship can be established.

(2nd Embodiment)
Next, a second embodiment of the present invention will be described. The second embodiment includes a recording medium on which an information processing program is recorded. As this recording medium, a CD-ROM, a magnetic disk, a semiconductor memory, and other recording media can be used.

(4) The information processing program is read from the recording medium into the data processing device, and controls the operation of the data processing device. The data processing device controls the account information storage means 10, investment information storage means 11, order ratio storage means 12, order information storage means 13, IF means 14, IF means 14, and control means in each embodiment of the present invention under the control of the information processing program. The same processing as the processing by No. 15 is executed.

(Other)
The present invention is not limited to the above embodiments and can be applied in various modifications.

For example, the order ratio storage means 12 may be configured to store the order ratio independently for each type of business or field. In this case, in the investment information output process, based on the attribute information of the output investment information, the evaluation value and the order ratio stored corresponding to the corresponding industry or the like are updated. Then, in the ordering process, the type of business to which the stock to be traded belongs is selected, the corresponding order ratio is read, and based on this, an order is placed with each securities company. With such a configuration, even a securities company that cannot provide investment information widely in various industries, etc., can surely intervene in many transactions in industries that are good at it.

For example, the order ratio storage means 12 may be configured to store the order ratio comprehensively determined based on the evaluation values of all users. Such an order ratio can be used, for example, as an initial value at the beginning of opening an account.

For example, when conducting a transaction through the present system, a fee paid by a user to a securities company may be used as a basic fee system. For example, the basic fee is 50,000 yen per month, and the basic fee is charged to the user irrespective of the number of downloads and ordering of the investment information. On the other hand, when the total amount of the commission generated by the transaction ordered by the user exceeds 50,000 yen, the total amount is charged to the user. In such a configuration, for example, the account information storage means 10 stores the basic charge of the user in association with the user ID, the total amount of the payment fee within a predetermined period (for example, on a monthly basis), and controls The means 15 can be realized by comparing the basic fee with the total amount after a lapse of a predetermined period and charging the user the higher one (that is, reducing the deposit from the deposit in the deposit asset information). In conjunction with the update of the custody information, the corresponding amount is actually deducted from the account of the user such as a trust bank. With this configuration, even if the number of users who acquire only investment information and do not conduct much transactions increases, the securities company can obtain a fixed basic fee, and analysts can obtain investment information based on the basic fee. You can get the provided consideration.

Although the above embodiment is directed to a case where an order is placed with a securities company that provides a securities brokerage service, the present invention can be applied to services other than securities brokerage services. That is, the effect provided by the present invention is provided by the user to the product provider when the order is distributed to a plurality of product (including intangible and service) providers based on the order received from the user. This can be achieved by providing a configuration for determining the order amount to each product provider so that the higher the evaluation value, the larger the order amount based on the evaluation value.

As in the first embodiment, such a configuration includes a unit for storing transaction information (an account information storage unit), a unit for storing information provided by a product provider (an investment information storage unit), an evaluation value, Means for storing the order ratio (order ratio storing means), means for storing the order contents and order contents (order receiving information storage means), and outputs information provided by the goods provider to update the evaluation value and the order ratio This can be realized by providing control means for executing processing (investment information output processing) and processing for receiving orders from the user and distributing orders to a plurality of product providers based on the order ratio (order receiving processing).

1 is a block diagram illustrating a configuration of an information processing system according to a first exemplary embodiment of the present invention. FIG. 4 is a diagram for explaining a data structure in an order ratio storage unit. It is a figure for explaining the data structure in the order information storage means. It is a figure showing an example of screen information for menu display. It is a flowchart which shows the flow of investment information output processing. It is a figure showing the example of the screen information which displays list information. It is a figure showing the example of the screen information which displays investment information. It is a flowchart which shows the flow of an ordering process. It is a figure showing the example of the screen information for order reception.

Explanation of reference numerals

DESCRIPTION OF SYMBOLS 1 Information processing system 10 Account information storage means 11 Investment information storage means 12 Order ratio storage means 13 Ordering information storage means 14 IF means 15 Control means 100 Information processing means

Claims (15)

A function of distributing orders for a plurality of product (including intangibles and services) providers based on orders received from users,
Based on the evaluation value given by the user to the product provider, the information having a function of determining the order amount to each product provider so that the higher the evaluation value, the larger the order quantity. Processing system. An order receiving function for receiving an order for buying and selling securities from an investor being a user, an ordering function for distributing orders to a plurality of intermediaries based on the order, and an ordering function corresponding to the investor who made the order. And a function of managing information on securities that have been traded for each intermediary. Further, a function of receiving a designated intermediary designation from a plurality of intermediaries from an investor being a user,
The information processing system according to claim 2, further comprising: a second order function for ordering a trade with the designated intermediary based on the order. 4. The information processing system according to claim 2, wherein the order function determines an order amount to each intermediary based on an order ratio stored in the system. The information processing system according to claim 4, wherein the order ratio is stored independently for each investor. Further, a function of storing investment information provided through each intermediary in association with the intermediary, and outputting the investment information in response to a request from the investor,
6. The information processing apparatus according to claim 4, further comprising a ratio determination function of determining and storing the order ratio based on information on how much investment information provided through each intermediary has been output. system. In addition, it has a function to receive evaluation information on investment information from investors,
7. The ratio determining function according to claim 6, wherein the order ratio is determined and stored based on information on how much the investment information provided through each intermediary has been output and the evaluation information. Information processing system. The information processing system according to claim 1, wherein input / output to / from a user is performed via a communication network. Distributing orders for a plurality of goods (including intangibles and services) providers based on orders received from users;
Determining a quantity to be ordered from each merchandise provider based on the evaluation value given by the user to the merchandise provider so that the higher the evaluation value is, the larger the order quantity is. Information processing method. An order receiving step of receiving an order to buy or sell securities from an investor being a user, an ordering step of distributing and ordering sales to a plurality of intermediaries based on the order, and a step of associating with the investor who made the order. And a step of managing information on the securities that have been traded for each intermediary. Furthermore, a step of outputting the investment information in response to a request from an investor, by referring to storage means for storing investment information provided through each intermediary in association with the intermediary,
A ratio determining step of determining and storing an order ratio based on information on how much investment information provided through each intermediary has been output,
The information processing method according to claim 10, wherein the ordering step determines an order amount to each intermediary based on the order ratio. In addition, a step of receiving evaluation information on investment information from investors is provided,
12. The information processing method according to claim 11, wherein the ratio determining step determines the order ratio based on information indicating how much investment information provided through each intermediary has been output and the evaluation information. Method. 13. The information processing method according to claim 9, wherein input / output to / from a user is performed via a communication network. A computer-readable recording medium storing a program for causing a computer to execute the information processing method according to claim 9. A program for causing a computer to execute the information processing method according to any one of claims 9 to 13.