JP2006039649A - Investment trust trade system and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To allow a bank to sell an investment trust to a client beyond the range of assets entrusted by the client. <P>SOLUTION: An investment trust trade support server 10 for selling an investment trust product is provided with a purchase application receipt processing part 101 receiving an application for purchase of a product and for loan of a fund for purchasing the product, a found lending processing part 102 performing processing for lending the fund concerning the application, a purchase agency processing part 103 performing processing for selling the product concerning the application, an interest collection processing part 106 performing processing for collecting interest on the fund loan, and a fund loan collection processing part 107 performing processing for collecting the fund for the product when the sold product matures. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a system used in a financial institution capable of lending funds to a customer such as a bank.

  In recent years, the government has promoted deregulation in various fields. For example, in the past, investment trust products could only be handled at over-the-counter stores by securities companies and other limited financial institutions, but now they can also be handled by city banks and regional banks. ing.

As a result, customers who have deposited their assets with banks can now manage a wide range of assets more easily than before. Banks also have more opportunities to differentiate themselves from other banks and securities companies due to deregulation, so they can actively improve customer services and promote customer acquisition. It became so.
JP 2003-141366 A

  In this way, customers can easily manage their assets with investment trusts while depositing their assets at banks, but they cannot operate beyond the scope of their assets. However, many customers want to manage their assets with investment trusts beyond the scope of their assets.

  Banks have also been able to provide customers with finer-grained services due to deregulation. However, no system has been proposed for meeting customer demands as described above.

  According to the system described in Patent Document 1, the investment is repeated using the interest obtained by the investment as a source. However, such a system cannot meet the customer's demand as described above.

  SUMMARY OF THE INVENTION In view of such problems, an object of the present invention is to make it possible to sell an investment trust to a customer beyond the range of assets that the bank keeps from the customer.

  An investment trust sales system according to the present invention is an investment trust sales system for selling products of an investment trust, and an application for purchase of the product and borrowing of all or part of funds for the purchase of the product An application reception processing means for executing a process for accepting an application for a loan, a loan processing means for executing a process for lending the funds related to the application for borrowing, and a process for selling the product related to the application for purchase Sales processing means for executing interest processing, interest collection processing means for executing processing for collecting interest on the loaned funds, and the funds for purchasing the product when the sold product expires. And a loan fund collection processing means for executing a process for collecting the money based on the value of the product at that time and the amount of the money.

  A plurality of methods for collecting the interest of the loaned funds may be prepared, and the person who borrowed the funds may select in advance. For example, two methods are prepared: a method of collecting an amount calculated by multiplying the amount of funds by a predetermined interest rate as interest and a method of collecting a part of dividends generated in the product as interest, You may let the borrower choose.

  According to the present invention, a bank can sell an investment trust to a customer beyond the range of assets deposited from the customer.

  1 is a diagram showing an example of the overall configuration of a bank system 1 having an investment trust sales support server 10 according to the present invention, FIG. 2 is a diagram showing an example of a hardware configuration of the investment trust sales support server 10, These are figures which show the example of a functional structure of the investment trust sales support server 10. FIG.

  As shown in FIG. 1, the bank system 1 includes an investment trust sales support server 10, a deposit account management server 11, a bank terminal device 12, an automatic cash dispenser 13, and the like according to the present invention. A bank such as a bank that is capable of selling and managing investment trust (fund) products (hereinafter referred to as “investment trust products”) to customers and lending funds to customers. Used in financial institutions.

  According to the bank system 1 having the investment trust sales support server 10 according to the present invention, a customer such as an individual investor borrows all or part of the price from the bank even if the bank deposit or the funds on hand are insufficient. You can purchase investment trust products at banks. Hereinafter, a case where the bank system 1 is used in a certain bank BK will be described as an example.

  The investment trust sales support server 10 and the deposit account management server 11 are installed and managed at the head office of the bank BK or the system management department. At least one bank terminal device 12 and an automatic cash dispenser 13 are installed at the main branch of the bank BK. The investment trust sales support server 10 and the deposit account management server 11 are connected to each other's terminal device 12 and each automatic cash dispenser 13 via an intranet of the bank BK. The investment trust sales support server 10 can be connected to the computer 2 of the system provided in the investment trust company and the terminal device 3 of the customer via the communication line 4. As the communication line 4, the Internet, a public line, a dedicated line, or the like is used.

  As shown in FIG. 2, the investment trust sales support server 10 includes a CPU 10a, a RAM 10b, a ROM 10c, a magnetic storage device 10d, and various interfaces. The magnetic storage device 10d includes a purchase application acceptance processing unit 101, a fund loan processing unit 102, a purchase proxy processing unit 103, a dividend notification receiving unit 104, a dividend transfer processing unit 105, and an interest collection processing unit 106 as shown in FIG. A program and data for realizing functions such as the loan fund collection processing unit 107, the financial bond issuance processing unit 108, and the data management unit 1DC are installed. These programs and data are loaded into the RAM 10b as necessary, and the programs are executed by the CPU 10a.

  The deposit account management server 11 manages a deposit account established in the bank BK.

  In the following, details of each part of the investment trust sales support server 10, the deposit account management server 11, the bank terminal device 12, the automatic cash dispenser 13, the computer 2, and the terminal device 3 will be described in detail.

  4 is a diagram showing an example of the product database DB1, FIG. 5 is a diagram showing an example of the customer database DB2, FIG. 6 is a diagram showing an example of the purchase loan database DB3, and FIG. 7 is a diagram showing an example of the interest collection history database DB4. 8 is a diagram illustrating an example of the sales database DB5, FIG. 9 is a flowchart illustrating an example of the flow of dividend interest processing, FIG. 10 is a flowchart illustrating an example of the flow of loan fund collection processing, and FIG. 11 is a financial bond configuration. It is a figure which shows the example of the information.

  The data management unit 1DC stores and manages databases such as a product database DB1, a customer database DB2, a purchase loan database DB3, and an interest collection history database DB4.

  As shown in FIG. 4, the product database DB1 stores information about investment trust products handled by the bank BK. “Product ID” is identification information for identifying an investment trust product. “Product name” is the name of the investment trust product. “Distributor” is the name (company name) of an investment trust company that issues and manages the investment trust product.

  “Product description information” includes the characteristics of the investment trust product (types and ratios of receivables and stocks included), stability and risk of each receivable and stock, expected yield, and whether or not there is a principal guarantee Is information for explaining to the customer. The product description information includes text data and chart data. “Trust period” indicates the trust start time (operation start time) and trust end time (maturity) of the investment trust product. The “interest rate” will be described later.

  As shown in FIG. 5, the customer database DB2 stores information about customers who purchase investment trust products from the bank BK. “Customer ID” is identification information for identifying the customer. “Name” and “address” mean the name (corporation name in the case of a corporation) and address (location in the case of a corporation) of the customer, respectively. The “account number” is an account number of a deposit account opened by the customer in the bank BK or another bank. In addition, it is desirable to use an account opened in the bank BK as the deposit account.

  In the purchase loan database DB3, as shown in FIG. 6, information on loan of loans (loans, loans) received by the customer from the bank BK and investment trust products purchased by the customer with the funds is stored. The “application ID” is issued every time a customer receives an application to purchase an investment trust product and receives a loan of funds, approves the loan, and purchases the investment trust product.

  “Purchase date” means the date on which the investment trust was purchased. “Customer ID” is identification information for identifying a customer who lent the funds. “Product ID” is identification information of an investment trust product purchased by a customer using the funds. “Purchase amount” is the purchase price of the investment trust product. In other words, it shows the principal of the investment trust product. The “loan amount” stores the amount of funds lent to the customer.

  By the way, the purchase amount and the loan amount of “application ID = U001” are the same, but the purchase amount and the loan amount of “application ID = U002” are different. The former means that the customer borrows all of the funds for purchasing the mutual fund product from the bank BK. In the latter case, the customer borrows only a part (400,000 yen) of funds for purchasing investment trust products from the bank BK, and the remaining part (100,000 yen) is prepared without borrowing from the bank BK. Means that you paid. The “transaction ID” will be described later.

  The “collection method flag” indicates a method of collecting interest generated on funds lent to the customer. In this embodiment, two types of collection methods are prepared. One is a method of collecting interest calculated by multiplying a loan amount by a predetermined interest rate. Hereinafter, this method is referred to as “collection method A”. For example, when an interest rate of 0.5% is set every month, cash of 0.5% of the principal (loan amount) is collected from the customer every month as interest.

  The other is a method of collecting a predetermined portion of dividend (distribution) to be obtained by the customer as interest. Hereinafter, this method is referred to as “collection method B”. For example, it is assumed that interest is set for 25% of dividends for a certain investment trust product. In this case, a customer who borrows all of the purchase funds and purchases the investment trust product will repay the bank BK with an interest of 2,000 yen if a dividend of 8,000 yen is generated. Also, a customer who borrows 75% of the purchased funds and purchases the investment trust product will repay 1500 yen as interest if a dividend of 8,000 yen occurs. The bank BK sets in advance the “interest rate” column of the product database DB1 (see FIG. 4) according to the characteristics of the investment trust product, etc. to determine what percentage of the dividend is used as interest.

  The “collection flag” indicates whether or not the loaned funds are collected (collected) from the customer. “Done” means collected, and “Not done” means not yet collected.

  As shown in FIG. 7, interest collection information 74 (741, 742,...) Is stored in the interest collection history database DB4. One piece of interest collection information 74 is generated every time a loan is made based on an application from a customer, and identification information (application ID) of the application is associated with the interest collection information 74. The “collection date” and “collection amount” indicate the date and amount when the interest of the loaned money is collected from the customer, respectively.

  1 is used for receiving an application for purchase of investment trust products from a customer. When the bank employee receives a question about the investment trust product from a customer who came to the bank BK window, he operates the bank terminal device 12 to obtain the product description information from the product database DB1 of the investment trust sales support server 10 (see FIG. 4). Download and display this on the display. Then, referring to the product description information or showing the product to the customer, the investment trust product is explained.

  Further, when there is a request from the customer to purchase the investment trust product, the bank terminal device 12 is operated to carry out a purchase application procedure. Here, when the customer pays the full amount of the investment trust product without receiving the loan (financing) of the funds, each part of the investment trust sales support server 10 sells the investment trust product to the customer as before. Execute the process for Therefore, the description of the subsequent processing contents regarding this case is omitted.

  If there is a request to purchase an investment trust product and borrow funds for it, the bank will collect the investment trust product desired by the customer and the purchase amount (investment amount), borrowing amount, and interest collection method. (Repayment method from the customer to the bank BK) and personal information (name, address, occupation, annual income, current borrowing amount, etc.) relating to the customer, etc. are input to the bank terminal device 12. The input information is transmitted to the investment trust sales support server 10 as application information 71.

  In the investment trust sales support server 10, the purchase application reception processing unit 101 of FIG. 3 receives the application information 71 to receive an application for purchase of investment trust products and loan of funds.

  The fund lending processing unit 102 performs processing for lending (financing) funds for the amount of money indicated in the application information 71 to the customer as follows. First, the loan for that amount is examined for the customer. For example, the personal information shown in the application information 71 may be transmitted and presented to a credit institution or examination institution computer to examine whether or not the loan is possible. Alternatively, when the bank BK has its own examination system, this may be used.

  When an assessment that the loan cannot be made is made, the bank terminal device 12 is notified accordingly. The bank tells the customer that the investment trust product cannot be purchased.

  If an assessment is made that the loan can be made, the clerk's terminal device 12 is notified, and the clerk is instructed whether or not to proceed with the process for purchasing the investment trust product. Prompt against. In parallel with this, the data management unit 1DC is instructed to store information related to the loan of funds this time. The bank tells the customer the notified content and, when receiving the purchase application fee from the customer, instructs the investment trust sales support server 10 to operate the bank terminal device 12 and proceed with the purchase process. give.

  Then, the purchase agent processing unit 103 notifies the investment trust company computer 2 that issues the investment trust product indicated in the application information 71 by notifying the product ID of the investment trust product and the purchase price thereof. Purchase trust products. This is then sold to customers. In other words, investment trust products are purchased on behalf of customers. Since the processing itself is the same as the conventional one, description thereof is omitted. In parallel with this, a command to store information related to the current purchase is given to the data management unit 1DC.

  Receiving the notification from the purchase agent processing unit 103, the computer 2 performs processing for selling investment trust products to customers via the bank BK. Then, identification information (transaction ID) for identifying the transaction of the current investment trust product is issued. For example, as shown in FIG. 8, the product ID and the sales amount (purchase amount for the customer) of the investment trust product are obtained. The sales ID is recorded in the sales database DB 5 provided in the computer 2 in association with the transaction ID.

  When the data management unit 1DC receives an instruction from the fund loan processing unit 102 and the purchase agent processing unit 103, the data management unit 1DC generates a new record in the purchase loan database DB3, and in response to the application for loan of the current investment trust product and funds Issue a new application ID. The record shows the application ID, the purchase date of the investment trust product, the customer ID of the customer who is the purchaser, the product ID and purchase price of the investment trust product, the loan amount of the funds and the method of collecting the interest. The value (“A” or “B”) and the transaction ID issued by the computer 2 for the current investment trust product transaction are stored. Furthermore, the data management unit 1DC generates new interest collection information 74 and stores it in the interest collection history database DB4 (see FIG. 7) in association with the current application ID. This completes the processing related to the purchase of investment trust products and the lending of funds for the purchase. Note that the bank BK receives a commission that mediates the sale of the investment trust product to the customer from the investment trust company that issues the investment trust product.

  A customer who has been able to purchase an investment trust product in this way can receive a dividend according to the regulations when the value of the investment trust product increases. However, the interest on the funds borrowed regularly according to the contract with the bank BK must be paid to the bank BK.

  When a dividend is generated in the investment trust product, the computer 2 of the investment trust company that issues the investment trust product notifies the investment trust sales support server 10 to that effect. In the investment trust sales support server 10, when the dividend notification receiving unit 104 receives this, the dividend transfer processing unit 105 performs an intermediary process for the investment trust company to pass the dividend to the customer.

  The interest collection processing unit 106 executes a process for collecting the interest of the money from the customer lending the money. The data management unit 1DC records in the database that interest has been collected.

  These processes by the dividend notification receiving unit 104, the dividend transfer processing unit 105, the interest collection processing unit 106, and the data management unit 1DC will be described in more detail with reference to the flowchart of FIG.

  Of the funds that are being lent in the purchase loan database DB3 (see FIG. 6) (funds whose collection flag is “not yet”), for the funds whose collection method flag is “A”, the interest of the funds is collected from the customer by the collection method A Is supposed to be collected. Accordingly, when the interest collection date of the funds comes (Yes in # 101 of FIG. 9, Yes in # 102), the interest collection processing unit 106 multiplies the amount of money (loan amount) by a predetermined interest rate. The amount of interest is calculated, and the calculated amount of money is withdrawn from the deposit account of the customer who is the borrower (# 103). The data management unit 1DC writes the current interest collection date and the collected amount into the interest collection information 74 (see FIG. 7) corresponding to the fund application ID (# 104).

  When a dividend is generated on the investment trust product, the computer 2 of the investment trust company notifies the fact, the amount of the dividend, the product ID of the investment trust product, and the transaction ID indicating the transaction of the investment trust product (see FIG. 8). Is sent to the investment trust sales support server 10. The dividend is transferred to the bank BK by a predetermined date.

  In the investment trust sales support server 10, when the dividend notification receiving unit 104 receives the dividend notification information 72 (Yes in # 105), the dividend transfer processing unit 105 uses the dividend as the deposit of the customer who purchased the investment trust product. The process of transferring money to the account is performed as follows.

  The dividend transfer processing unit 105 searches the purchase loan database DB3 for the transaction ID indicated in the dividend notification information 72. The value of the collection method flag corresponding to the transaction ID is confirmed (# 106). When the collection method flag is “A” (Yes in # 106), a command is given to the deposit account management server 11 to transfer the dividend shown in the dividend notification information 72 to the customer's deposit account. (# 107). The deposit account management server 11 transfers the dividend in accordance with the command.

  When the collection method flag is “B” (No in # 106), interest is collected from the customer by the collection method B. Accordingly, the interest collection processing unit 106 uses the interest shown by the bank BK to collect the dividend shown in the dividend notification information 72 based on the interest rate of the product ID shown in the dividend notification information 72 (see FIG. 4) and the customer. (# 108). Then, the deposit account management server 11 is instructed to transfer the customer's share to the customer's deposit account (# 109).

  In parallel with the processing in step # 109, the interest collection processing unit 106 performs processing for entering the interest calculated in step # 108 into the accounting of the bank BK. Thereby, interest is collected from the customer. Similarly to step # 104, the data management unit 1DC writes the interest collection date and the collection amount in the interest collection information 74 (# 110).

  The loan fund recovery processing unit 107 in FIG. 3 performs a procedure for recovering the funds lent to purchase the investment trust product when the investment trust product expires as shown in FIG. To do.

  The loan fund collection processing unit 107 refers to the trust period of each investment trust product in the product database DB1 of FIG. The current sale price of the investment trust product that has reached its maturity is inquired of the computer 2 of the investment trust company that issued the investment trust product (# 121 in FIG. 10). At this time, a transaction ID corresponding to the investment trust product is notified to the computer 2. Then, the computer 2 calculates the sale price of the investment trust product (see FIG. 8) with the product ID corresponding to the transaction ID, and sends the answer to the investment trust sales support server 10. Alternatively, an investment trust product that has reached maturity may be checked by the investment trust company that issued it.

  The loan fund collection processing unit 107 checks whether the investment trust product is not broken by comparing the purchase amount, that is, the principal amount and the sale amount (# 122). If the principal is broken (Yes in # 122), the deposit account management server 11 is instructed to collect the difference between the sale amount and the purchase amount from the deposit account of the customer of the investment trust product (collected). # 123).

  A process for exchanging a loan loan to the customer of the bank BK and the ownership of the investment trust product held by the customer is performed (# 124). That is, the investment trust is instructed to update the collection flag (refer to FIG. 6) for the loan of the funds to “completed” to the data management unit 1DC and execute the process of selling the investment trust product. Command the company computer 2.

  Note that the same processing as in FIG. 10 is performed when a customer requests cancellation of an investment trust product before maturity.

  The financial bond issuance processing unit 108 in FIG. 3 collects one or more receivables for lending funds to customers, groups them, and performs processing for issuing them as financial bonds. For example, a financial bond is issued by grouping receivables corresponding to investment trust products whose maturities are close to each other and generating financial bond composition information 80 having the contents as shown in FIG. Dividends on financial bonds are allocated a portion of the interest on the receivables that make up the financial bonds. Financial bonds issued in this way are sold to investment trust companies. Or it is sold at the store of the bank BK.

  FIG. 12 is a flowchart for explaining an example of the overall processing flow of the investment trust sales support server 10. Next, the flow of processing of the investment trust sales support server 10 from when one customer purchases an investment trust product and applies for a loan at the bank BK until the management of the investment trust product ends, a flowchart is shown. The description will be given with reference.

  When the investment trust sales support server 10 accepts purchase of investment trust products and application for financing from a customer (# 1), the investment trust sales support server 10 inquires of an examination organization or the like whether or not financing to the customer is possible (# 2). If an assessment that financing is possible is not obtained (No in # 2), the current application is rejected (# 7).

  When an assessment is made that the loan is possible (# 2), the computer 2 of the investment trust company that issues the investment trust product is accessed and a process of purchasing the investment trust product for the customer is executed (# 3). ).

  Until the investment trust product expires or the customer offers a cancellation request (No in # 4), processing and financing (lending funds) to transfer the dividends generated on the investment trust product to the customer's deposit account A process for deducting the interest generated on the card is executed (# 5). Details of these processes are as described in FIG.

  When the maturity date or cancellation request is received (Yes in # 4), a process for collecting funds from the customer is executed (# 6). The details of this processing are as described in FIG. Even after the maturity or cancellation request is made, dividend transfer or interest collection processing (dividend interest processing) is executed as necessary.

  According to this embodiment, a financial institution capable of lending to a customer such as a bank can sell an investment trust beyond the range of assets deposited from the customer.

  Also, the bank BK converts the bonds generated by lending funds to customers into bonds, issues financial bonds, and sells the financial bonds to an investment trust company. Thereby, it is possible to provide a loan to the customer for the investment trust product without reducing the funds of the bank BK.

  Customers who make deposits at the bank BK can manage their assets using investment trusts beyond the scope of their deposits. In addition, investment trust companies can increase sales by selling investment trust products by increasing the number of individual investors who manage assets with investment trusts.

  The bank BK can use the investment trust product sold to the customer as collateral for the loan, and the bank BK can avoid or reduce the risk of the bankruptcy. In this case, the interest rate on the loan may be set lower than in the case of unsecured loan. In particular, the interest rate on the loan for a principal-guaranteed investment trust product can be set lower because there is no risk of credit collapse if the investment trust product is secured.

  Customers may be able to purchase their investment trust products and apply for loans for such operations by operating their terminal devices 3 like online transactions for stocks and investment trusts. Or you may enable it to operate the automatic teller machine 13 and to perform.

The following additional notes are disclosed with respect to the embodiment described above.
(Appendix 1) An investment trust sales system for selling investment trust products,
An application reception processing means for executing processing for receiving an application for purchase of the product and an application for borrowing all or part of funds for purchase of the product;
Loan processing means for executing processing for lending the funds related to the borrowing application;
Sales processing means for executing processing for selling the product related to the purchase application;
Interest collection processing means for executing processing for collecting interest on the loaned money;
Loan fund collection, which executes processing for collecting the funds for purchase of the product based on the current value of the product and the amount of the funds when the sold product expires Processing means;
An investment trust sales system characterized by comprising:
(Additional remark 2) The said interest collection process means collects the money of the amount calculated by multiplying the amount of the said money by the predetermined interest rate for the process for collecting the interest of the loaned money Or one of the second processes to receive a distribution of a portion of the dividends generated on the product,
The investment trust sales system described in Appendix 1.
(Additional remark 3) It has the financial bond issue processing means which performs the process for issuing the financial bond for compensating the 1 or several said loan | lending loaned,
The investment trust sales system according to appendix 1 or appendix 2.
(Additional remark 4) The said interest collection process means performs the process which collects the interest of the loaned funds by the process selected in advance among the first process and the second process.
The investment trust sales system described in Appendix 2.
(Additional remark 5) It has an interest collection log | history memory means which memorize | stores the log | history which collected the interest of the said money,
The investment trust sales system according to any one of appendix 1 to appendix 4.
(Appendix 6) Product identification information of the product related to the purchase application, amount information indicating the amount of the funds related to the borrowing application made for the purchase of the product, and whether the funds were collected There is a storage means for storing the collection presence / absence information indicating whether or not the purchase application and the borrowing application are associated with the application identification information for identifying the purchase application and the borrowing application from other purchase applications and other borrowing applications. And
The application reception processing means receives, from the terminal device, application information including the product identification information of the product to be purchased and the amount information of the funds to be borrowed for the process of accepting the purchase application and the borrowing application. Run by
The lending processing unit executes processing for lending the funds related to the borrowing application by storing the amount information of the funds in the storage unit in association with the application identification information of the borrowing application. And
The sales processing means indicates that the processing for selling the product related to the purchase application should be transferred to the financial institution that is the user of the investment trust sales system in exchange for the price of the product. By transmitting a command to the investment trust company system that is the issuer of the product, and storing the product identification information of the product in the storage means in association with the application identification information of the purchase application Run,
The interest collection processing means is a deposit management that manages the deposit account with a command to withdraw the deposit corresponding to the amount of the interest from a deposit account specified in advance for collecting the interest of the loaned funds. Run by sending to the system,
The loan fund recovery processing means transmits a process for recovering the funds related to the borrowing application to the investment trust company system of the product to sell the product purchased with the funds. In addition, the information on whether or not the funds are collected for the application for the borrowing is updated to indicate that the funds have been collected, and the amount of the goods at that time is less than the amount of the funds Is executed by transmitting a command to the effect that the deposit corresponding to the difference between the two amounts should be withdrawn from a deposit account designated in advance to the deposit management system that manages the deposit account,
The investment trust sales system described in Appendix 1.
(Appendix 7) A computer program for controlling a computer used for selling products of an investment trust,
A process of accepting an application for purchase of the product and an application for borrowing all or part of funds for the purchase of the product;
A process for lending the funds pertaining to the borrowing application;
A process for selling the product related to the purchase application;
Processing to collect interest on the loaned funds;
A process of collecting the funds for purchase of the product based on the current value of the product and the amount of the fund when the sold product expires;
A computer program for causing the computer to execute.

  The present invention is suitably used to enhance services for individual customers, particularly in financial institutions such as banks capable of both handling investment trusts and lending funds.

It is a figure which shows the example of the whole structure of the bank system which has the investment trust sales support server which concerns on this invention. It is a figure which shows the example of the hardware constitutions of an investment trust sales support server. It is a figure which shows the example of a functional structure of a bank system. It is a figure which shows the example of a goods database. It is a figure which shows the example of a customer database. It is a figure which shows the example of a purchase loan database. It is a figure which shows the example of an interest collection log | history database. It is a figure which shows the example of a sales database. It is a flowchart explaining the example of the flow of a dividend interest process. It is a flowchart explaining the example of the flow of a loan fund collection process. It is a figure which shows the example of financial bond structure information. It is a flowchart explaining the example of the flow of the whole process of an investment trust sales support server.

Explanation of symbols

10 Investment trust sales support server (investment trust sales system)
101 Purchase application reception processing section (application reception processing means)
102 Fund loan processing section (loan processing means)
103 Purchase agent processing unit (sales processing means)
105 Dividend transfer processing unit (dividend processing means)
106 Interest collection processing unit (interest collection processing means)
107 Loan Fund Collection Processing Department (Loan Fund Collection Processing Unit)
108 Financial bond issuance processing department (financial bond issuance processing means)
DB3 purchase loan database (storage means)
2 Computer (Investment trust company system)
11 Deposit account management server (deposit management system)

Claims (5)

An investment trust sales system for selling investment trust products,
An application reception processing means for executing processing for receiving an application for purchase of the product and an application for borrowing all or part of funds for purchase of the product;
Loan processing means for executing processing for lending the funds related to the borrowing application;
Sales processing means for executing processing for selling the product related to the purchase application;
Interest collection processing means for executing processing for collecting interest on the loaned money;
Loan fund collection, which executes processing for collecting the funds for purchase of the product based on the current value of the product and the amount of the funds when the sold product expires Processing means;
An investment trust sales system characterized by comprising: The interest collection processing means performs a process for collecting the interest of the loaned funds on a first process for collecting money of an amount calculated by multiplying the amount of the funds by a predetermined interest rate or the product. By one of the second processes to receive a distribution of a portion of the dividends
The investment trust sales system according to claim 1. Financial bond issuance processing means for executing a process for issuing a financial bond to cover one or more of the lent funds.
The investment trust sales system according to claim 1 or 2. Product identification information of the product related to the purchase application, amount information indicating the amount of the funds related to the borrowing application made for the purchase of the product, and whether or not the funds have been collected Storage means for storing the collection presence / absence information in association with application identification information for identifying the purchase application and the borrowing application from other purchase applications and other borrowing applications;
The application reception processing means receives, from the terminal device, application information including the product identification information of the product to be purchased and the amount information of the funds to be borrowed for the process of accepting the purchase application and the borrowing application. Run by
The lending processing unit executes processing for lending the funds related to the borrowing application by storing the amount information of the funds in the storage unit in association with the application identification information of the borrowing application. And
The sales processing means indicates that the processing for selling the product related to the purchase application should be transferred to the financial institution that is the user of the investment trust sales system in exchange for the price of the product. By sending a command to the system of the investment trust company that is the issuer of the product, and storing the product identification information of the product in the storage means in association with the application identification information of the purchase application Run,
The interest collection processing means is a deposit management that manages the deposit account with a command to withdraw the deposit corresponding to the amount of the interest from a deposit account specified in advance for collecting the interest of the loaned funds. Run by sending to the system,
The loan fund recovery processing means transmits a process for recovering the funds related to the borrowing application to the investment trust company system of the product to sell the product purchased with the funds. In addition, the information on whether or not the funds are collected for the application for the borrowing is updated to indicate that the funds have been collected, and the amount of the goods at that time is less than the amount of the funds Is executed by transmitting a command to the effect that the deposit corresponding to the difference between the two amounts should be withdrawn from a deposit account designated in advance to the deposit management system that manages the deposit account,
The investment trust sales system according to claim 1. A computer program for controlling a computer used for selling products of mutual funds,
A process of accepting an application for purchase of the product and an application for borrowing all or part of funds for the purchase of the product;
A process for lending the funds pertaining to the borrowing application;
A process for selling the product related to the purchase application;
Processing to collect interest on the loaned funds;
A process of collecting the funds for purchase of the product based on the current value of the product and the amount of the funds when the sold product expires;
A computer program for causing the computer to execute.

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