JP2008135016A - Investment information processing device, method and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To allow profitable fund management while levelling an amount of monthly deposit and dealing with changes in situation, such as stepwise delay of public pension payment start age, smoothly and easily in a technology of investment information processing. <P>SOLUTION: A calculating means 40 calculates a difference between a desired amount of monthly payment stored in a desired amount of monthly payment storage means 35 and an amount of pension stored in an amount of pension storage means 22 and, with respect to the same amount as the difference, calculates on the basis of investment information stored in an investment information storage means 15 a payment amount of dividend in a financial product, an amount of reinvestment, an amount of added investment, and an amount of broken-up investment. An execution means 45 executes a content of the calculation result according to an output of execution instruction data. For example, when a monthly shortage is below the dividend, a surplus dividend is invested again to the principal; when the monthly shortage exceeds the dividend at that time, the principal of the investment is broken down and allocated to the shortage. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  In recent years, various investment trusts (funds) are rapidly spreading along with the internationalization of economy and finance, and various information processing technologies related to investment trusts have been proposed (for example, see Patent Document 1). Among investment trusts, the so-called monthly bond-type global bond fund that distributes investment profits every month, in addition to excellent investment results in recent years, also matches the needs of customers who want to receive distributions every month, and retirement benefits are increasing. It is also popular in the operation of

In addition, since the management of retirement benefits supplements public pensions such as basic pensions and welfare pensions, there are funds that are distributed in odd months other than even months when public pensions are paid.
JP 2004-259156 A

  However, the simple odd-month distribution as described above does not consider the relationship with the annual amount, and there are problems that the amount of payment becomes unstable depending on the month and it is difficult to cope with the change in the situation. In particular, the basic pensions and welfare pensions, which are public pensions, are different from each other, and as shown in Fig. 18, there are problems that it is difficult to plan living funds because they will be gradually lowered over the next 15 years. It was.

  The present invention solves the problems of the prior art as described above. The purpose of the present invention is to equalize the monthly deposit amount in the investment information processing technology and to gradually lower the age of the start of public pension payments. It is possible to manage the funds easily while responding smoothly to changes in the situation.

  Based on the above object, one aspect of the present invention is an investment information processing apparatus including a computer that performs information processing on a financial product, the computer including an investment amount of investment money and a monthly distribution amount for the financial product. Investment information receiving means for receiving input about investment information for each customer; and the computer storing investment information received by the investment information receiving means for each customer. Investment information storage means and the computer for each customer. An annual amount receiving means for receiving an input for an annual amount for each month; and an annual amount storing means for storing, for each customer, an annual amount for each month received by the computer by the computer, and the computer , Receiving a designation of a desired monthly amount for each customer, and a request receiving means, and the computer receives the request receiving means The desired monthly amount storage means for storing the desired monthly amount for each customer, and the computer is stored in the annual amount storage means from the desired monthly amount stored in the desired monthly amount storage means for each month for each customer. Calculate the deficit amount by subtracting the annual amount, and if the deficit amount is greater than 0, compare the deficit amount with the distribution amount for the month and decide to pay out the distribution amount up to the deficit amount, When the deficiency exceeds the distribution amount, the calculation means for determining that the excess amount obtained by subtracting the distribution amount from the deficit is retired from the investment money, and the computer, for the financial product of the customer, The execution means for executing the determination by the calculation means is realized by the calculation control unit of the computer, and the computer as the execution means According to the calculation result of the means, with regard to the distribution of the distribution amount up to the shortage amount, the distribution amount is paid out by subtracting the shortage amount from the distribution amount and adding it to the customer's predetermined deposit / withdrawal balance. And the computer retreats the investment money by subtracting the excess from the investment amount and adding it to the deposit / withdrawal balance. And

  Another aspect of the present invention is an investment information processing method in which a computer performs information processing related to a financial product, in which the above aspect is grasped from the viewpoint of a method. Investment information reception processing for receiving input about investment information for each customer including the amount of money and the distribution amount for each month, and investment information received by the computer in the investment information reception processing for each customer. And the computer accepts the input for the monthly amount for each customer for each customer, and the annual amount acceptance processing for each month received by the computer in the annual amount acceptance processing for each customer. And an annual amount storage process to be stored in a predetermined annual amount storage means, and the computer accepts designation of a desired monthly amount for each customer , A desired acceptance process, a process in which the computer stores the desired monthly amount received in the desired acceptance process in a predetermined desired monthly amount storage means for each customer, and the computer performs the desired monthly amount for each month for each customer. A deficit amount is calculated by subtracting the annual amount stored in the annual amount storage unit from the desired monthly amount stored in the storage unit. If the deficit amount is greater than 0, the deficit amount is calculated as the distribution amount for the month. In comparison, it is determined by calculation that the distribution amount up to the deficit amount will be paid out, and if the deficit amount exceeds the distribution amount, the excess amount obtained by subtracting the distribution amount from the deficit amount will be calculated from the investment amount. And the execution process for the computer to execute the determination in the calculation process for the financial product of the customer, In line processing, the computer subtracts the deficit amount from the distribution amount and pays out a predetermined deposit / withdrawal amount for the customer according to the calculation result of the calculation process. The amount of distribution money is withdrawn by adding to the computer, and for the withdrawal of the investment money, the excess amount is subtracted from the investment amount and added to the deposit / withdrawal balance, It is characterized by reversing investment funds.

  Another aspect of the present invention is an investment information processing program that captures the above aspect from the viewpoint of a computer program, and performs information processing related to a financial product by controlling the computer. By controlling the computer, the financial information is made to execute investment information reception processing for receiving input for investment information for each customer including the investment amount of the investment money and the monthly distribution amount, and the computer is controlled to control the computer The investment information received in the investment information reception process is input to each customer for the annual amount for each customer by executing the annual amount storage processing for storing the information in a predetermined investment information storage means for each customer and controlling the computer. To control the computer By means of the above, the monthly amount received in the annual amount reception process is stored in a predetermined annual amount storage means for each customer, and the computer is controlled to receive the desired monthly amount specification for each customer. By controlling the computer, the desired monthly amount received in the desired reception process is stored for each customer in a predetermined desired monthly amount storage means, and the computer is controlled for each month for each customer. The deficient amount is calculated by subtracting the annual amount stored in the annual amount storage means from the desired monthly amount stored in the desired monthly amount storage means. Compared with the distribution amount, it is determined by calculation that the distribution amount up to the shortage amount is paid out, and if the shortage amount exceeds the distribution amount, the shortage amount is determined. Reversing the excess amount after the distribution amount is withdrawn from the investment money, determining by calculation, causing the calculation process to be executed, and controlling the computer to determine the calculation process for the customer's financial product. By executing the execution process to be executed and controlling the computer in the execution process, according to the calculation result of the calculation process, with respect to the payout of the distribution amount up to the shortage amount, By subtracting from the amount of money and adding it to the customer's predetermined deposit / withdrawal balance, the payout of the distribution is executed, and by controlling the computer, the withdrawal is made by using the excess amount for Subtract from the investment amount and add it to the deposit / withdrawal balance to execute the withdrawal of the investment amount It is characterized by.

  In this way, instead of distributing the results of distributions to the monthly or odd-numbered months, we accept designation of the desired monthly amount that customers want to receive every month, including public pensions, and change to the public annual amount that will change with the transitional measures. Accordingly, by automatically changing the distribution amount and withdrawal amount of financial instruments so as to fill the difference with the desired monthly amount, the monthly receipt amount will be leveled and the age of the start of public pension payment It is possible to manage funds more favorably while responding smoothly to changes in circumstances such as deferrals.

  In another aspect of the present invention, the arithmetic control unit further realizes an annual amount calculation means for calculating an annual amount using a calculation formula for calculating an annual amount of each month from predetermined basic data, and the year The amount calculation means accepts at least the type of pension, the amount as the basis for calculation, and the participation period as basic data that is the basis of the annual amount for each customer, and uses the above formula from the basic data The monthly amount of the customer is calculated and stored in the annual amount storage means.

  Another aspect of the present invention captures the above aspect from the viewpoint of a method, and calculates an annual amount using a calculation formula for calculating an annual amount of each month from predetermined basic data. The calculation process is executed by the computer, and the computer calculates the annual amount as the basic data that is the basis for the annual amount for each customer, at least the type of pension, the amount that is the basis for calculation, the participation period, And a process in which the computer calculates an annual amount for each month of the customer from the basic data and stores it in the annual amount storage means. And

  Another aspect of the present invention captures the above aspect from the viewpoint of a computer program, and calculates the annual amount using a calculation formula for calculating the annual amount of each month from predetermined basic data. By causing the computer to execute an amount calculation process and controlling the computer in the annual amount calculation process, at least basic type as the basis of the annual amount for each customer, and at least the type of annuity and the amount as the basis for calculation , By receiving the input of the subscription period and controlling the computer, the annual amount of each month of the customer is calculated from the basic data using the calculation formula and stored in the annual amount storage means It is characterized by that.

  In this way, by calculating and using the expected annual amount based on basic data such as the subscription period, it is possible to eliminate the hassle of customers inquiring the estimated amount of pensions and improve convenience, and to create a financial plan that includes the amount supplied from financial products. It becomes possible to proceed smoothly and easily.

In another aspect of the present invention, the calculating means further includes a distribution amount obtained by subtracting the deficiency from the distribution amount when the deficiency obtained by subtracting the annual amount from the desired amount is less than the distribution amount. Re-investment in the financial product is determined by calculation, and the enforcement means sets the remaining amount of the distribution amount obtained by subtracting the deficit amount from the distribution amount to zero for the reinvestment, and Reinvestment is performed by adding to the investment amount.
Further, another aspect of the present invention captures the above aspect from the viewpoint of a method, and in the calculation process, the computer calculates the deficiency by subtracting the annual amount from the desired amount, and is less than the distribution amount. In this case, a process for determining by recalculation that the remaining amount of the distribution amount obtained by subtracting the shortage amount from the distribution amount is to be reinvested in the financial product. Is characterized in that the remaining amount of the distribution amount obtained by subtracting the shortage amount from the distribution amount is set to zero and is added to the investment amount to execute reinvestment.

  In another aspect of the present invention, the above aspect is grasped from the viewpoint of a computer program, and the shortage amount obtained by subtracting the annual amount from the desired amount is controlled by controlling the computer in the calculation process. When the amount is less than the distribution amount, the remaining amount of the distribution amount obtained by subtracting the shortage amount from the distribution amount is determined to be reinvested in the financial product by calculation, and the computer is controlled in the execution process. As for the reinvestment, the remaining amount of the distribution amount obtained by subtracting the shortage amount from the distribution amount is made zero, and the reinvestment is executed by adding it to the investment amount.

  In this way, depending on the case of the relationship between the deficit amount and the distribution as a result, depending on the division of conditions, a condition judgment process that uses reinvestment of surplus distribution or reversal of principal will result in wasted funds depending on the actual performance. Effective use without excess or deficiency.

  In another aspect of the present invention, the request receiving means further includes a possible monthly amount calculating means for calculating a receivable monthly amount, and the possible monthly amount calculating means accepts an end-of-period designation as to when the funds are to be received. , The investment amount stored in the investment information storage means, and the annual amount of each month stored in the annual amount storage means for the period from the start of pension payment or receipt of financial instruments to the end of the period, Is copied to a predetermined memory area for estimation, and in this memory area for trial calculation, {the first annual amount of each month that is the smallest at that time and the second annual amount of each month that is the next smallest are searched, The total difference of each month obtained by subtracting the first annual amount from the second annual amount is subtracted from the investment amount and added to the first annual amount for each month}. Annual amount is equal or investment amount is less than 0 If there is a remaining investment amount, divide the remaining amount by the total number of months, add it to each month, and distribute it evenly. It is calculated as a monthly amount, the calculated desired monthly amount is output, a predetermined approval operation is accepted, and the desired monthly amount is stored in the desired monthly amount storage means.

  In another aspect of the present invention, the above aspect is captured from the viewpoint of a method, and the desired reception process includes a possible monthly amount calculation process in which the computer calculates a receivable monthly amount, The possible monthly amount calculation process includes: a process in which the computer accepts an end-of-period designation for receiving funds; an investment amount stored in the investment information storage means; Copying the monthly amount stored in the yearly amount storage means to a predetermined trial memory area for a period from the start to the end of receipt of the data, and the computer, the trial memory area , {Search for the first annual amount of each month with the least amount at that time and the second annual amount of each month with the next smallest amount, and subtract the first annual amount from the second annual amount. The total amount of differences for each month is subtracted from the investment amount and added to the first annual amount for each month} until the annual amounts for all the months are equal or the investment amount is 0 or less. After repeating, if there is a remaining investment amount, divide the remaining amount by the total number of months, add it to each month, and distribute it equally. And a process in which the computer outputs the calculated desired monthly amount, accepts a predetermined approval operation, and stores the desired monthly amount in the desired monthly amount storage means.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a computer program. In the desired reception process, a possible monthly amount calculation process for calculating a receivable monthly amount by controlling the computer. In the possible monthly amount calculation process, by controlling the computer, it is possible to accept the designation of the end of the period of time when funds are to be received, and by controlling the computer, it is stored in the investment information storage means Copy the investment amount and the annual amount stored in the annual amount storage means for the period from the start of pension payment or receipt of financial instruments to the end of the period into a predetermined memory area for calculation, By controlling the computer, in the memory area for trial calculation, {the month Search for the first annual amount and the second annual amount of each month with the next smallest amount, and subtract the total amount of each month difference obtained by subtracting the first annual amount from the second annual amount from the investment amount. Then, the above process is repeated until the annual amount of all the months becomes equal or the investment amount becomes 0 or less, and if there is a remaining investment amount, the remaining amount Divided by the total number of months, added to each month, and evenly distributed. The amount of the month with the smallest annual amount at that time is calculated as a possible desired monthly amount and calculated by controlling the computer. The desired monthly amount is output, a predetermined approval operation is accepted, and the desired monthly amount is stored in the desired monthly amount storage means.

  As described above, since the amount of payment can be calculated backward from the period in which it is desired to continue to receive funds, it is possible to plan and execute fund management that balances the period and the amount.

  In another aspect of the present invention, the desire receiving means further includes a possible period calculating means for calculating a receivable period, the possible period calculating means accepts designation of a desired monthly amount, and the investment information storage means In the trial calculation memory area, the investment price stored in the above and the annual price stored in the annual price storage means for each month from the start of pension payment are copied to a predetermined calculation memory area. By repeating the process of calculating the difference obtained by subtracting the monthly amount of the month from the desired monthly amount and subtracting the difference from the investment amount in order from the first month until the investment amount becomes 0 or less, a possible period Is calculated, the calculated possible period is output, a predetermined approval operation is accepted, and the designated monthly desired amount is stored in the desired monthly amount storage means.

  In another aspect of the present invention, the above aspect is captured from the viewpoint of a method, and the desired reception process includes a possible period calculation process in which the computer calculates a receivable period. The possible period calculation process includes a process in which the computer receives designation of a desired monthly amount, an investment amount stored in the investment information storage unit, and an annual amount storage unit for each month from the start of pension payment. Copying the yearly amount stored in the memory to a predetermined memory area for calculation, and the computer subtracts the yearly amount for the month from the desired monthly amount in the trial memory area in order from the first month. The process of calculating the possible difference and subtracting the difference from the investment amount is repeated until the investment amount becomes 0 or less, thereby calculating the possible period, Computer may output the period available calculated, after having accepted a predetermined approval operation, and having a process of storing the desired month specified in the desired month storage means.

  Another aspect of the present invention captures the above aspect from the viewpoint of a computer program. In the desired reception process, a possible period calculation process of calculating a receivable period by controlling the computer. In the possible period calculation process, by controlling the computer, the designation of the desired monthly amount is accepted, and by controlling the computer, the investment amount stored in the investment information storage means and the pension payment For each month from the start, the annual amount stored in the annual amount storage means is copied to a predetermined trial calculation memory area, and by controlling the computer, the trial calculation memory area starts from the first month. In order, calculate the difference by subtracting the annual amount of the month from the desired monthly amount and subtract the difference from the investment amount. By repeating the processing to be performed until the investment amount becomes 0 or less, a possible period is calculated, and by controlling the computer, the calculated possible period is output and a predetermined approval operation is accepted. In addition, the desired monthly amount specified is stored in the desired monthly amount storage means.

  In this way, by calculating how long the funds can be received based on the desired monthly amount, various funding plans can be supported while respecting the customer's intentions.

  In another aspect of the present invention, the request receiving means further accepts designation of an estimated distribution amount per investment amount, and adds the estimated distribution amount to the annual amount of each month in the trial calculation memory area. The possible monthly amount calculation means calculates the possible desired monthly amount, or the possible period calculation means calculates the possible period.

  In another aspect of the present invention, the above aspect is grasped from a viewpoint of a method. In the request receiving process, the computer receives designation of an assumed distribution amount per investment amount, and the estimated distribution amount is In the trial memory area, after adding to the annual amount of each month, the possible desired monthly amount is calculated in the possible monthly amount calculation process, or the possible period is calculated in the possible period calculation process. .

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a computer program, and allows the designation of an assumed distribution amount per investment amount to be received by controlling the computer in the request receiving process. In addition, the estimated distribution amount is added to the annual amount of each month in the trial calculation memory area, and the possible desired monthly amount is calculated in the possible monthly amount calculation process, or the possible period is determined in the possible period calculation process. It is characterized by calculating.

  In this way, it is possible to specify the expected distribution amount in calculating the desired monthly amount and period. Effectively support financial planning.

  According to another aspect of the present invention, an applied value storage means for storing an applied value including at least one of a purchase unit to be applied to the financial product, a base price, a fee rate, a foreign exchange rate, and a trust fee rate. And at least one of the calculation means or the execution means subtracts the trust fee rate from the investment amount stored in the investment information storage means at a predetermined timing, and in the calculation or execution, Based on the application value stored in the application value storage means, with respect to the purchase and sale of the financial product, rounding up or down to the purchase unit, base price multiplication, deduction of the commission rate, and foreign currency-denominated financial product In this case, the foreign exchange rate is multiplied / divided.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a method, and includes at least a purchase unit, a base price, a fee rate, a foreign exchange rate, a trust fee rate to be applied to the financial product. The computer has applied value storage means for storing an applied value including any one of the investment amount stored in the investment information storage means in at least one of the calculation process and the execution process. The trust remuneration rate is deducted at the timing of the calculation, and the calculation or execution is rounded up to the purchase unit for the purchase and sale of the financial product based on the application value stored in the application value storage means. Or, devaluation, base value multiplication / deduction, deduction of the commission rate, and for foreign currency-denominated financial products, multiplication / deduction of the foreign exchange rate And wherein the door.

  Another aspect of the present invention captures the above aspect from the viewpoint of a computer program. The purchase unit, base price, fee rate, foreign exchange rate, trust fee rate to be applied to the financial product are as follows. The computer has application value storage means for storing application values including at least one of them, and is stored in the investment information storage means by controlling the computer in at least one of the calculation process and the execution process. By deducting the trust fee rate from the investment amount at a predetermined timing and controlling the computer, the financial value is calculated based on the application value stored in the application value storage means in the calculation or execution. For the purchase and sale of products, rounding up or down to the purchase unit, base value multiplication, deduction of the commission rate, and , In the foreign currency financial products, characterized in that to execute multiplication or division, of the foreign exchange rates.

  As described above, by applying preparatory values such as the unit and unit price of a trading actually applied, a fee, and the like, and calculating the values incorporating them, it is possible to realize highly accurate calculation and simulation with reduced errors.

  In another aspect of the present invention, the arithmetic control unit realizes a loan processing unit that performs a process related to a loan to a customer using a financial product as a collateral, and the loan processing unit sets a loan record and a collateral for a loan. (1) The date, the loan amount, the loan balance, and the customer's financial product as collateral are stored in a predetermined loan information storage means, and (2) the investment stored in the investment information storage means In the information, the restriction information that the customer's financial product is collateral is recorded, and when the collateral setting is completed by the collateral setting means, the loan amount is entered into and out of a predetermined loan entity A loan execution means for outputting electronic instruction information for subtracting from a predetermined account or account item for performing money and adding to a predetermined account or account item for performing customer deposit and withdrawal, and repayment upon repayment of the loan Output the electronic instruction information for subtracting from the predetermined account or account item for depositing / withdrawing the customer, and adding to the predetermined account or account item for depositing / withdrawing the predetermined loan entity, and record the repayment And (1) the date, the repayment amount, and the loan balance are stored in the loan information storage means, and (2) if the loan balance is zero, the investment information storage means And repayment canceling means for deleting restriction information indicating that the customer's financial product is secured as collateral from the stored investment information.

  In another aspect of the present invention, the above aspect is captured from the viewpoint of a method, and the computer executes a loan process for performing a process related to a loan to a customer using a financial product as a collateral, , A collateral setting process and a loan execution process in loan, and a repayment release process in repayment of the loan. In the collateral setting process, the computer sets (1) a date as a loan record and collateral setting. The loan amount, the loan balance, and the customer's financial product serving as collateral are stored in a predetermined loan information storage means, and (2) the investment information stored in the investment information storage means is stored in the customer's financial information. The restriction information indicating that the product is collateral is recorded, and in the loan execution process, when the computer completes the setting of the collateral in the collateral setting process, the loan amount is changed to a predetermined amount. Electronic instruction information for subtracting from a predetermined account or account item for depositing / withdrawing of the subject and adding to a predetermined account or account item for depositing / withdrawing of the customer is output. Outputs electronic instruction information for causing the repayment amount to be subtracted from a predetermined account or account item for depositing / withdrawing a customer while being added to a predetermined account or account item for depositing / withdrawing a predetermined loan entity The processing and the computer store (1) the date, the repayment amount, and the loan balance in the loan information storage means as the cancellation of the repayment record and collateral setting, and (2) the loan balance becomes zero In this case, a process of deleting restriction information indicating that the customer's financial product is collateralized from the investment information stored in the investment information storage means is performed.

  Another aspect of the present invention captures the above aspect from the viewpoint of a computer program. By controlling the computer, a loan process related to a loan to a customer is executed using a financial product as collateral, and the loan The process includes a collateral setting process and a loan execution process for the loan, and a repayment release process for the repayment of the loan. By controlling the computer in the collateral setting process, the process is set as a loan record and a collateral. (1) The date, the loan amount, the loan balance, and the customer's financial product as collateral are stored in a predetermined loan information storage means, and (2) the investment information stored in the investment information storage means To record restriction information indicating that the customer's financial product is collateral and controlling the computer in the loan execution process. When the setting of the collateral is completed in the collateral setting process, the loan amount is subtracted from a predetermined account or account item for depositing / withdrawing a predetermined loan entity, and a predetermined account for depositing / withdrawing a customer In the repayment cancellation process, the repayment cancellation process is performed to subtract the repayment amount from a predetermined account or account item for depositing / withdrawing customers, (1) the date of release of repayment record and collateral setting by outputting electronic instruction information for adding to a predetermined account or account item for depositing and withdrawing a predetermined loan entity and controlling the computer The repayment amount and the loan balance are stored in the loan information storage means, and (2) when the loan balance becomes zero, stored in the investment information storage means From capital information, it is characterized in that to remove the restriction information to the effect that the financial instruments of the customer has become a collateral.

  In this way, in the case of secured financing with collateral for financial products, it is possible to speed up financing and provide smooth funding by making an electronic streamline of a series of processing such as collateral setting / financing, repayment / collateral cancellation .

  In another aspect of the present invention, the investment information accepting means accepts designation of a specific month in which investment money cannot be reversed or paid out for the financial product, and is stored in the investment information storage means. For the specific month stored in the investment information storage means, the loan processing means is one or the total amount of the shortage and excess calculated by the calculation means, and the financial product as collateral, In addition to making a loan to the customer and in the first month that is not a specific month after the specific month, in addition to the withdrawal of the investment or the distribution of the distribution for the current month, the total amount of the loan amount and the interest amount thereof, It is characterized in that the investment means is withdrawn or the distribution money is paid out by the execution means, and the loan is repaid with the amount of the withdrawal or withdrawal as the repayment amount.

  Another aspect of the present invention captures the above aspect from the viewpoint of a method, and in the investment information reception process, the computer cannot withdraw investment money or pay out distribution money for the financial product. The specified month is accepted and stored in the investment information storage means. In the loan processing means, the computer calculates the shortage calculated in the calculation process for the specific month stored in the investment information storage means. One or the sum of the amount and the excess amount is used as the loan amount, and the financial product is used as collateral to perform the loan processing, and the computer is not a specific month after the specific month. In the first month, in addition to the reversal of the investment for the current month or the distribution of the distribution, the total of the loan amount and its interest amount The loan is repaid by executing the repayment cancellation process, with the withdrawal of the investment money or the distribution of the distribution being performed in the execution process, and using the amount of the withdrawal or the payment as the repayment amount. .

  Another aspect of the present invention captures the above aspect from the viewpoint of a computer program. In the investment information reception process, the computer is controlled to reversal or distribute investment money for the financial product. With respect to the specific month stored in the investment information storage means by allowing the investment information storage means to accept designation of a specific month in which money cannot be paid out and controlling the computer in the loan processing means The loan amount is one or the total amount of the shortage and excess calculated in the calculation process, and the financial product is used as collateral to execute the loan process, thereby providing the customer with a loan. By controlling, the investment amount for the current month is collected in the first month that is not a specific month after the specific month. In addition to the disbursement of the distribution amount, the investment amount is reversed or the distribution amount is disbursed by the execution processing for the total amount of the loan amount and the interest amount, and the amount of the reversal or the disbursement amount is used as the repayment amount The loan is repaid by the repayment cancellation process.

  In this way, in the month when it cannot be reversed, by supplying the shortage amount through financing, and making a withdrawal and repayment together in the month when it can be reversed, the present invention can be applied to a variety of financial products to realize diversified investment and risk. It becomes possible to obtain a stable living fund every month while controlling.

  According to another aspect of the present invention, a condition accepting unit that accepts designation of a variable condition for canceling the withdrawal when the evaluation value of the customer's financial product falls, and a change accepted by the condition accepting unit The arithmetic control unit realizes condition storage means for storing conditions and condition processing means for processing the fluctuation conditions, and the condition processing means is stored in the investment information storage means for customer financial products. And calculating the valuation amount in a predetermined cycle based on at least one of the investment amount and the base value and the foreign exchange rate stored in the application value storage means, and calculating the calculated valuation amount in the condition Comparing with the fluctuation conditions stored in the storage means and confirming by the comparison that the valuation amount has fallen to the fluctuation conditions, the withdrawal of the financial product is canceled in the calculation means Causes said set to the excess calculated by the calculating I mean loan amount, as collateral the financial instrument, characterized in that to perform lending to the customer to the loan processing means.

  Another aspect of the present invention captures the above aspect from the viewpoint of a method, and the computer is a variable condition for canceling the withdrawal when the evaluation value of the customer's financial product falls. A condition accepting process for accepting the designation, a process in which the computer stores the variation condition accepted in the condition accepting process in a predetermined condition storage means, and a condition process in which the computer processes the vary condition. In the condition processing, for the customer's financial product, the computer stores the investment amount stored in the investment information storage means, the reference value stored in the application value storage means, and the foreign exchange An evaluation amount is calculated at a predetermined cycle based on at least one of the rates, and the calculated evaluation amount is stored in the condition storage means When the computer confirms that the evaluation value has fallen to the fluctuation condition by the comparison, the withdrawal of the financial product is stopped by the calculation process, and the excess calculated by the calculation process is calculated. A loan amount is set, and the customer is loaned by the loan process using the financial product as collateral.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a computer program. By controlling the computer, the withdrawal is stopped when the evaluation value of the customer's financial product falls. By accepting the designation of the fluctuating condition to be executed, executing the condition accepting process and controlling the computer to store the fluctuating condition accepted in the condition accepting process in a predetermined condition storage means and controlling the computer The investment amount stored in the investment information storage means for the customer's financial product by controlling the computer in the condition processing, and executing the condition processing for processing the fluctuating condition, and the application And at least one of the base price and the foreign exchange rate stored in the value storage means. The evaluation amount is calculated at a predetermined cycle, and the calculated evaluation amount is compared with the variation condition stored in the condition storage unit, and the computer is controlled to determine that the evaluation amount has decreased to the variation condition. If confirmed by the comparison, the withdrawal of the financial product is canceled in the calculation process, and the excess calculated in the calculation process is used as the loan amount, and the loan to the customer with the financial product as collateral is performed by the loan process. It is made to perform.

  In this way, while the market price fluctuates greatly and the appraisal value is falling, by automatically stopping the reversal of the financial product and covering it with a loan, the reversal due to cheap sales under the unfavorable situation where the market price is falling It is easy to avoid the disadvantage of continuing and to expect the possibility of future market recovery.

  According to another aspect of the present invention, the condition accepting unit accepts designation of a variable condition for starting or increasing the withdrawal when the evaluation value of the customer's financial product increases, and the condition accepting unit accepts the condition. The arithmetic control unit realizes condition storage means for storing the fluctuation conditions and condition processing means for processing the fluctuation conditions, and the condition processing means stores the customer's financial products in the investment information storage means. And calculating the valuation amount in a predetermined cycle based on the investment amount that has been stored and at least one of the base value and the foreign exchange rate stored in the application value storage means, and calculating the calculated valuation amount Comparing with the fluctuation condition stored in the condition storage means and confirming by the comparison that the evaluation amount has risen to the fluctuation condition, the reversal of the financial product If there is a loan to the customer at that time, the investment means will be released by the enforcement means for all or part of the loan amount and the interest amount. The loan processing means is made to repay the loan with the amount of repayment as the repayment amount.

  Another aspect of the present invention captures the above aspect from the viewpoint of a method, and the computer starts or increases the withdrawal when the evaluation value of the customer's financial product increases. A condition receiving process for receiving designation of a changing condition; a process for storing the changing condition received by the computer in the condition receiving process in a predetermined condition storing means; and a condition process for processing the changing condition by the computer. In the condition processing, the computer, for the customer's financial product, the investment amount stored in the investment information storage means, the reference value stored in the application value storage means, and the Based on at least one of the foreign exchange rates, an evaluation amount is calculated in a predetermined cycle, and the calculated evaluation amount is stored in the condition storage means. When the computer confirms that the valuation amount has increased to the fluctuation condition by the comparison, the reversal of the financial product is started or increased by the calculation process, and the loan to the customer at that time If there is a loan amount, the investment amount is also withdrawn by the execution process for all or a part of the loan amount and the interest amount, and the loan is repaid with the amount of the reversal as the repayment amount. It is characterized by performing by.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a computer program, and starts reversal when the evaluation value of a customer's financial product increases by controlling the computer. Or, by accepting the designation of the variable condition to increase or not, causing the condition reception process to be executed and controlling the computer, the variable condition received in the condition reception process is stored in a predetermined condition storage means, and the computer is controlled The investment amount stored in the investment information storage means for the customer's financial product by controlling the computer in the condition process, and executing the condition process for processing the fluctuating condition, At least one of the base price and the foreign exchange rate stored in the applied value storage means Based on the above, the evaluation amount is calculated at a predetermined cycle, and the calculated evaluation amount is compared with the variation condition stored in the condition storage unit, and the evaluation amount is increased to the variation condition by controlling the computer. If the comparison confirms that the financial instruments have been reversed, the calculation process starts or increases the amount, and if there is a loan to the customer at that time, all or part of the loan amount and the interest amount. In the above, the investment is canceled by the execution process, and the loan is repaid by the loan process with the amount of the cancellation as the repayment amount.

  In this way, when the falling market price returned to the normal range or reached the selling level specified by the customer, the withdrawal was automatically started or increased, or the withdrawal was canceled and the loan was overtaken. In this case, by reversing financial products and allocating them for loan repayment or resuming the reversal, it is easy to handle profits at a moderately high price without being overwhelmed by hunting for a higher price in the rising market.

  According to another aspect of the present invention, a condition receiving unit that receives designation of a variable condition for canceling the withdrawal when the evaluation value increases for the customer's financial product, and a variation received by the condition receiving unit The arithmetic control unit realizes condition storage means for storing conditions and condition processing means for processing the fluctuation conditions, and the condition processing means is stored in the investment information storage means for customer financial products. And calculating the valuation amount in a predetermined cycle based on at least one of the investment amount and the base value and the foreign exchange rate stored in the application value storage means, and calculating the calculated valuation amount in the condition Comparing with the fluctuation conditions stored in the storage means, and confirming by the comparison that the valuation amount has risen to the fluctuation conditions, the calculation means cancels the withdrawal of the financial product. Causes said set to the excess calculated by the calculating I mean loan amount, as collateral the financial instrument, characterized in that to perform lending to the customer to the loan processing means.

  Another aspect of the present invention captures the above aspect from the viewpoint of a method, and the computer is a variable condition for canceling the withdrawal when the valuation amount increases for the customer's financial product. A condition accepting process for accepting the designation of the condition, a process in which the computer stores the variation condition accepted in the condition accepting process in a predetermined condition storage means, and a condition process in which the computer processes the vary condition. In the condition processing, for the financial product of the customer, the computer stores the investment amount stored in the investment information storage means, the reference value and the foreign exchange rate stored in the application value storage means And calculating the evaluation amount in a predetermined cycle based on at least one of the fluctuations stored in the condition storage means. When the computer confirms that the evaluation value has risen to the fluctuation condition by the comparison, the computer cancels the reversal of the financial product in the calculation process and loans the excess calculated in the calculation process. A loan is made to a customer by the loan process using the financial product as collateral.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a computer program. By controlling the computer, the withdrawal is canceled when the evaluation value of the customer's financial product increases. By accepting the designation of the fluctuating condition to be executed, executing the condition accepting process and controlling the computer to store the fluctuating condition accepted in the condition accepting process in a predetermined condition storage means and controlling the computer By processing the fluctuating condition, executing the condition processing, and controlling the computer in the condition processing, the investment amount stored in the investment information storage means for the customer's financial product, and At least one of the base price and the foreign exchange rate stored in the application value storage means; The evaluation amount is calculated at a predetermined cycle, and the calculated evaluation amount is compared with the variation condition stored in the condition storage means, and the computer is controlled to confirm that the evaluation amount has increased to the variation condition. If confirmed by the comparison, the withdrawal of the financial product is canceled in the calculation process, the excess calculated in the calculation process is used as a loan amount, and the loan is provided to the customer by the loan process using the financial product as collateral. It is made to perform.

  In this way, when the appraisal value is at a good level due to an increase in the market price, etc., by automatically refraining from reversing the financial product and covering it with loans, we expect to see low sales with a small profit in the phase of the market increase and expect a higher price This makes it easier to practice so-called sensible investment policies.

  According to another aspect of the present invention, the condition accepting unit accepts designation of a variable condition for starting or increasing the withdrawal when the evaluation value of the customer's financial product falls, and the condition accepting unit accepts the condition. The arithmetic control unit realizes condition storage means for storing the fluctuation conditions and condition processing means for processing the fluctuation conditions, and the condition processing means stores the customer's financial products in the investment information storage means. And calculating the valuation amount in a predetermined cycle based on the investment amount that has been stored and at least one of the base value and the foreign exchange rate stored in the application value storage means, and calculating the calculated valuation amount Comparing with the fluctuation condition stored in the condition storage means and confirming by the comparison that the evaluation amount has fallen to the fluctuation condition, the reversal of the financial product If there is a loan to the customer at that time, the investment means will be released by the enforcement means for all or part of the loan amount and the interest amount. The loan processing means is made to repay the loan with the amount of repayment as the repayment amount.

  Another aspect of the present invention captures the above aspect from the viewpoint of a method, and the computer starts or increases reversal when the evaluation value of a customer's financial product falls. A condition acceptance process for accepting designation of a variation condition; a process for storing the variation condition accepted by the computer in the condition acceptance process in a predetermined condition storage; a condition process for the computer to process the variation condition; In the condition processing, for the customer's financial product, the computer stores the investment amount stored in the investment information storage means, the reference value stored in the application value storage means, and the foreign country Based on at least one of the exchange rates, the evaluation amount is calculated in a predetermined cycle, and the calculated evaluation amount is stored in the condition storage means. When the computer confirms that the evaluation value has fallen to the fluctuation condition, the reversal of the financial product is started or increased in the calculation process, and the loan to the customer at that time In the case where there is a loan amount, the investment amount is also withdrawn in the execution process for all or a part of the loan amount and the interest amount, and the repayment of the loan is performed by the loan process with the amount of the reversal as the repayment amount It is characterized by performing.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a computer program. By controlling the computer, it starts reversal when the evaluation value of a customer's financial product falls. Or, by accepting the designation of the variable condition for increasing the amount, the condition receiving process and controlling the computer to store the variable condition received in the condition receiving process in a predetermined condition storage means, and controlling the computer The investment amount stored in the investment information storage means for the customer's financial product by controlling the computer in the condition processing, and executing the condition processing for processing the fluctuating condition, and the application Based on at least one of the base price and the foreign exchange rate stored in the value storage means The evaluation amount is calculated at a predetermined cycle, and the calculated evaluation amount is compared with the variation condition stored in the condition storage unit, and the computer is controlled to determine that the evaluation amount has decreased to the variation condition. When confirmed by the comparison, the withdrawal of the financial product is started or increased in the calculation process, and if there is a loan to the customer at that time, the loan amount and all or part of the interest amount, The investment money is canceled in the execution process, and the loan is repaid by the loan process using the amount of the cancellation as a repayment amount.

  In this way, in the phase where the appraisal value is low due to a decline in the market price, etc., if the withdrawal is automatically started, resumed or increased, or if the withdrawal is canceled and the loan is overtaken when the market price rises, the financial products are put together. By reversing it and allocating it to loan repayment, it becomes easy to put into practice the investment policy of loss cut (loss confirmation, stop loss, loss cut) that limits the risk by avoiding the fatal loss due to the larger decline.

  According to another aspect of the present invention, the reversal is stopped or started when the amount of the distribution amount or the investment yield of the customer's financial product is decreased or increased via the input / output device or the communication network. The arithmetic control unit comprises: a condition accepting unit that accepts designation of a variation condition to be performed; a condition storage unit that stores the variation condition accepted by the condition accepting unit; and a condition processing unit that processes the variation condition. And the condition processing means reads the distribution amount from the investment information storage means for the customer's financial product or calculates the investment yield by dividing the distribution amount by the investment amount, and the distribution amount or the investment yield. Is compared with the fluctuating condition stored in the condition storing means, and the distribution amount or investment yield falls or rises to the fluctuating condition. When confirming the above by the comparison, depending on whether to cancel or start the reversal under the fluctuation condition, (1) the reversal of the financial product is stopped by the calculation means, and the calculation means calculated by the calculation means Using the excess as the loan amount and using the financial product as collateral, let the loan processing means perform financing to the customer, or (2) let the calculation means start the withdrawal of the financial product and at that time the customer If there is a loan for the loan, the investment means will be revoked for all or part of the loan amount and the interest amount, and the loan will be repaid using the repaid amount as the repayment amount. The loan processing means is performed.

  Another aspect of the present invention captures the above aspect from the viewpoint of a method, and the computer transmits at least a distribution amount or an operating yield for a customer's financial product via an input / output device or a communication network. On the other hand, a condition acceptance process for accepting designation of a variable condition for canceling or starting a withdrawal when it falls or rises, and a variable condition for which the computer has accepted the designation in the condition acceptance process is a predetermined condition. A process for storing in a storage means, and a condition process for the computer to process the variation condition, wherein the computer calculates a distribution amount from the investment information storage means for a customer's financial product. The investment yield is calculated by dividing the read or read distribution amount by the investment amount, and the distribution amount or investment Comparing with the fluctuation condition stored in the condition storage means, if the comparison confirms that the distribution amount or investment yield has fallen or increased to the fluctuation condition, the reversal is canceled under the fluctuation condition Depending on whether or not to start, (1) the withdrawal of the financial product is canceled in the calculation process, the excess calculated in the calculation process is used as the loan amount, and the financial product is used as collateral to perform the loan process. Lending to the customer, or (2) starting the reversal of the financial product in the calculation process and, if there is a loan to the customer at that time, all or one of the loan amount and the interest amount The department also performs the reversal of the investment money through the execution process, and repays the loan through the loan process with the amount of the reversal as the repayment amount. It is characterized in.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a computer program. By controlling the computer, the distribution amount of a customer's financial product is determined via an input / output device or a communication network. Alternatively, by accepting the designation of a variable condition for canceling or starting the withdrawal when at least one of the investment yields falls or rises, the condition acceptance process is executed by controlling the computer. By storing the variation condition that has been designated in the process in a predetermined condition storage means, and controlling the computer to execute a condition process for processing the variation condition, and by controlling the computer in the condition process Read the distribution amount from the investment information storage means for the customer's financial product Or, the investment yield is calculated by dividing the read distribution amount by the investment amount, and the distribution amount or the investment yield is compared with the variable condition stored in the condition storage means, and the distribution amount or the investment yield is changed. When it is confirmed by the above comparison that the price has fallen or increased, depending on whether to cancel or start the reversal under the variable condition, (1) the reversal of the financial instrument is suspended in the calculation process, and The excess calculated in the calculation process is used as the loan amount and the financial product is used as collateral, and the customer is provided with a loan by the loan process, or (2) the financial product is started to be withdrawn in the calculation process. If there is a loan to the customer at that time, all or part of the loan amount and the interest amount are also The reversal of gold was done in the execution process, characterized in that to perform repayment of the loan amount for the reversal as reimbursements by the lending process.

  In this way, by setting and executing whether to suppress or increase the withdrawal of financial products in accordance with the decline or increase in the distribution amount and investment yield, it is possible to realize asset management that can be convinced according to customer policies and market views It becomes possible. Specifically, if the withdrawal (sale) is stopped at the time of a decline, it will become a so-called counter-tensioning measure that expects unfavorable cheap sales and expects the future recovery, and if the withdrawal (sell) is resumed or increased at the time of a decline, it will become even greater Loss cut (stop loss) to avoid the risk of decline. In addition, if the withdrawal (sale) is stopped when rising, it becomes a so-called policy to forego the low sales and expect a higher price, and if the withdrawal (sale) is resumed or increased when rising, the profit to be sold at a higher price is confirmed. It becomes a measure of.

  In another aspect of the present invention, the evaluation value of the first financial product designated by the customer among the plurality of financial products held by the customer is further reduced via the input / output device or the communication network. A condition accepting unit that accepts designation of a variable condition that includes canceling the reversal, and an alternative financial product that replaces the reversal among the plurality of financial products, and the variable condition that has been designated by the condition accepting unit The arithmetic control unit realizes a condition storage means for storing the condition storage and a condition processing means for processing the variation condition, and the condition processing means is stored in the investment information storage means for the first financial product. Calculating an evaluation amount in a predetermined cycle based on the investment amount and at least one of the base value and the foreign exchange rate stored in the application value storage unit; Comparing the issued evaluation value with the fluctuation condition stored in the condition storage means, and confirming by the comparison that the evaluation value has fallen to the fluctuation condition, the reversal of the first financial product is sent to the calculation means. As an alternative, the calculation means starts the withdrawal of the alternative financial product defined by the variable condition.

  Another aspect of the present invention captures the above aspect from the viewpoint of a method, and the computer is a customer among a plurality of financial products held by the customer via an input / output device or a communication network. For the first financial product designated by the Company, specify the variable conditions including how much the valuation value will decline and the reversal will be stopped, and the alternative financial product that will replace the reversal among the plurality of financial products A condition receiving process to receive, a process in which the computer stores a variation condition received in the condition receiving process in a predetermined condition storage unit, and a condition process in which the computer processes the variation condition. In the condition processing, for the first financial product, the computer stores the investment amount stored in the investment information storage means and the application value storage unit. And calculating a valuation amount in a predetermined cycle based on at least one of the base price and the foreign exchange rate stored in the table, and comparing the calculated valuation amount with a variable condition stored in the condition storage means When the computer confirms that the valuation amount has fallen to the fluctuation condition by the comparison, the reversal of the first financial product is canceled in the calculation process, and as an alternative, The replacement of the alternative financial product is started in the calculation process.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a computer program. By controlling the computer, a plurality of possessed by a customer via an input / output device or a communication network are provided. For the first financial product specified by the customer among the financial products, including how much the valuation value will drop and the reversal will be stopped, and the alternative financial products that replace the reversal among the plurality of financial products By accepting designation of a variation condition, by executing a condition acceptance process and controlling the computer, the variation condition accepted in the condition acceptance process is stored in a predetermined condition storage means, and the computer is controlled. By executing a condition process for processing the variation condition and controlling the computer in the condition process, For the first financial product, an evaluation amount based on the investment amount stored in the investment information storage means and at least one of the reference value and the foreign exchange rate stored in the application value storage means Is calculated at a predetermined cycle, and the calculated evaluation amount is compared with the variation condition stored in the condition storage means, and the computer is controlled to determine that the evaluation amount has decreased to the variation condition. Upon confirmation, the withdrawal of the first financial product is stopped in the calculation process, and as an alternative, the withdrawal of the alternative financial product defined in the variable condition is started in the calculation process. To do.

  In this way, if the appraisal value fluctuates more than a certain amount and falls according to the prior designation of one of multiple financial products, the target of reversal is switched from that product to an alternative financial product, and unfavorable bargain sales are postponed. By expecting a future recovery, the funds can be managed effectively.

  In another aspect of the present invention, the annual amount receiving unit receives the annual amount for each member of the family, and the annual amount storage unit is configured to receive the annual amount for each member of the family every month. Is stored as an annual amount of a household, and the annual amount of the household is stored in the calculating unit, the possible monthly amount calculating unit, or the annual amount calculated by the annual amount calculating unit. It is delivered as an annual amount to at least one of the possible period calculation means.

  In another aspect of the present invention, the above aspect is captured from the viewpoint of a method. In the annual amount receiving process, the computer receives the annual amount for each member of a family, and In the storage process, the computer calculates, for each month, the total amount obtained by adding the annual amount received in the annual amount reception process or the annual amount calculated in the annual amount calculation process for each member of the family. The amount of money stored in the annual amount storage means, and the computer stores the year of the household stored in the annual amount storage means in at least one of the calculation process, the possible monthly amount calculation process, or the possible period calculation process. The amount of money is read as an annual amount.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a computer program, and controls the computer in the annual amount reception process to thereby determine the annual amount for each member of the family. By accepting and controlling the computer in the annual amount storage process, the annual amount received in the annual amount reception process for each member of the family or the year calculated in the annual amount calculation process for each month The total amount obtained by adding the amount is stored as the annual amount of the household in the annual amount storage means, and by controlling the computer, at least one of the calculation process, the possible monthly amount calculation process, or the possible period calculation process And reading the annual amount of the household stored in the annual amount storage means as an annual amount

  In this way, by accepting the input of the annual amount received by each family member and using the total amount as the annual amount for processing, it becomes possible to smoothly support a rational financial plan in accordance with the family household budget.

  According to another aspect of the present invention, in an investment information processing apparatus including a computer that performs information processing related to a financial product, an input is received for investment information for each customer including an investment amount of investment money and a monthly distribution amount for the financial product. Investment information receiving means, investment information storing means for storing investment information received by the investment information receiving means for each customer, annual amount receiving means for receiving input for each month for each customer, and the annual amount Receive the monthly amount received by the reception unit for each customer, and receive the designation of the desired monthly amount including the annual amount for the customer via the input / output device or communication network. A hope accepting means for accepting designation of how many months the month is desired to be increased, and the wish accepting means The desired monthly amount storage means for storing the desired monthly amount for each month in accordance with the received contents of each of the customers, and the annual amount storage from the desired monthly amount stored in the desired monthly amount storage means for each month for each customer Calculate the deficit amount by subtracting the annual amount stored in the means, and if the deficit amount is greater than 0, compare the deficit amount with the distribution amount for the month and calculate the distribution amount up to the deficit amount And the calculation means for determining by calculation that the excess amount obtained by subtracting the distribution amount from the shortage amount is retired from the investment when the shortage amount exceeds the distribution amount, and the financial product of the customer Execution means for executing the determination by the calculation means, and the arithmetic control unit of the computer realizes the execution means, according to the calculation result by the calculation means, With regard to paying out the distribution amount up to the shortage amount, the distribution amount is paid out by subtracting the shortage amount from the distribution amount and adding it to the customer's predetermined deposit / withdrawal amount. With regard to withdrawal, the excess amount is subtracted from the investment amount and added to the deposit / withdrawal balance, thereby reducing the investment amount.

  Another aspect of the present invention is an investment information processing method in which a computer performs information processing related to a financial product, in which the above aspect is captured from the viewpoint of a method. Investment information reception processing for receiving input about investment information for each customer including the amount of money and the distribution amount for each month, and investment information received by the computer in the investment information reception processing for each customer. And the computer stores an annual amount acceptance process for receiving an input about the annual amount for each month for each customer, and an annual amount for each month received by the computer in the annual amount reception process for each customer. The annual amount storage processing to be stored in the predetermined annual amount storage means, and the computer includes an input / output device or a communication network The customer accepts designation of the desired monthly amount that he wants to receive every month including the annual amount, and accepts designation of how many months he wants to increase the desired monthly amount, A process for storing a desired monthly amount for each customer in a predetermined desired monthly amount storage means for each customer according to each received content in a desired reception process, and the desired monthly amount storage means for each month for each customer The deficit amount is calculated by subtracting the annual amount stored in the annual amount storage means from the desired monthly amount stored in, and if the deficit amount is greater than 0, the deficit amount is compared with the distribution amount for the month. , It is decided by calculation to pay out the distribution amount up to the shortage amount, and if the shortage amount exceeds the distribution amount, the distribution amount is subtracted from the shortage amount Reversing excess from the investment by calculation, and the computer has an execution process for executing the determination in the calculation for the customer's financial product, and In the execution process, according to the calculation result of the calculation process, the computer subtracts the deficit amount from the distribution amount and pays out the deficit amount to the deficit amount, and the customer's predetermined deposit / withdrawal balance. The amount of distribution money is withdrawn by adding to the computer, and for the withdrawal of the investment money, the excess amount is subtracted from the investment amount and added to the deposit / withdrawal balance, It is characterized by reversing investment funds.

  Another aspect of the present invention is an investment information processing program that performs information processing related to financial products by controlling a computer, in which the above aspect is grasped from the viewpoint of a computer program. By controlling the computer, the investment information receiving process for receiving the investment information for each customer including the investment amount of the investment money and the distribution amount for each month is executed, and the computer is controlled to control the investment. The investment information received in the information reception process is stored for each customer in a predetermined investment information storage means, and the computer is controlled to execute the annual amount reception process for receiving input for the annual amount for each month for each customer. By controlling the computer, the annual amount acceptance process accepts it. For each customer, through the input / output device or the communication network, by controlling the computer by executing the annual amount storage processing for storing the annual amount of each month attached to each customer in a predetermined annual amount storage means storage. By accepting designation of the desired monthly amount that you want to receive every month including the annual amount, and accepting designation of how many months you want to increase for the month you want to increase the desired monthly amount, by executing the desired reception process and controlling the computer, The desired monthly amount for each month is stored in a predetermined desired monthly amount storage means for each customer in accordance with the contents received in the desired reception process, and the desired monthly amount for each customer is controlled by controlling the computer. The annual amount stored in the annual amount storage means is subtracted from the desired monthly amount stored in the monthly amount storage means. The amount is calculated, and if the deficit amount is greater than 0, the deficit amount is compared with the distribution amount for the month, and it is determined by calculation that the distribution amount up to the deficit amount will be paid out. In the case of performing the calculation process, the calculation processing is performed to determine that the excess amount obtained by subtracting the distribution amount from the shortage amount is to be reversed from the investment amount, the calculation processing is executed, and the calculation of the financial product of the customer is performed. Execution of the decision in the process, execution of the execution process, and control of the computer in the execution process, in accordance with the calculation result of the calculation process, the distribution amount up to the shortage amount is insufficient The amount is subtracted from the distribution amount and added to a predetermined deposit / withdrawal balance of the customer, thereby causing the distribution amount to be paid out, and By controlling the computer, the withdrawal of the investment money is performed by subtracting the excess amount from the investment amount and adding it to the deposit / withdrawal balance, thereby causing the withdrawal of the investment money. And

In this way, instead of distributing the results of distributions to the monthly or odd-numbered months, we accept designation of the desired monthly amount that customers want to receive every month, including public pensions, and change to the public annual amount that will change with the transitional measures. Accordingly, by automatically changing the distribution amount and withdrawal amount of financial instruments so as to fill the difference with the desired monthly amount, the monthly receipt amount will be leveled and the age of the start of public pension payment It is possible to manage funds more favorably while responding smoothly to changes in circumstances such as deferrals.
In addition to this, by making it possible to select a larger distribution for a given month, which is generally in demand for funds, such as April at the beginning of the fiscal year or December of Christmas, and any other month, Depending on the circumstances, it will be possible to provide a well-funded funding.

  According to another aspect of the present invention, the request receiving means receives an input of an arbitrary character string as a memorandum character string for the month for the increase for the customer via an input / output device or a communication network, and The memorandum character string is stored in the desired monthly amount storage means together with the desired monthly amount for the month, and the memorandum character string is transmitted to the customer for the month required for the increase by referring to the desired monthly amount storage means. The output is in the form of printout or electronic information.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a method, and the request reception process is performed in a month in which the computer increases the amount of increase for a customer via an input / output device or a communication network. A process of receiving an arbitrary character string as a memorandum character string and storing the memorandum character string in the desired monthly amount storage means together with a desired monthly amount for the increase, and the computer refers to the desired monthly amount storage means Thus, the month for the increase includes a process of outputting the memorandum character string in the form of a printout or electronic information for transmission to the customer.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a computer program. By controlling the computer in the desired reception process, the customer can be controlled via an input / output device or a communication network. For the month concerning the increase, an arbitrary character string is inputted and accepted as a memorandum character string, and the memorandum character string together with the desired monthly amount for the increase is stored in the desired monthly amount storage means, and the computer is controlled, By referring to the desired monthly amount storage means, the memorandum character string is output in the form of a printout or electronic information for transmission to the customer for the month for the increase.

  In this way, it is possible to record a memorandum character string for a desired month, such as the family's birth month, together with an increase in the desired monthly amount, thereby realizing a flexible and optimal distribution pattern that suits each customer's feelings and circumstances. .

  According to another aspect of the present invention, a condition for accepting and inputting, as a spending income schedule, the amount of the expenditure or income of the planned funds and the amount for each month for the customer via the input / output device or the communication network. Receiving means, condition storage means for storing the expenditure income schedule received by the condition reception means for each customer, and for each month, (1) when the expenditure income schedule stored in the condition storage means is the expenditure of funds Causes the calculation means to increase the amount of at least one of the payout of the distribution money or the reversal of the investment money by the amount of the expenditure, and (2) the expenditure income schedule stored in the condition storage means is the income of the funds The condition processing means for causing the calculation means to reduce at least one of the amount of the distribution money or the withdrawal of the investment money by the amount of the income. Wherein the calculation control unit is realized.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a method, and the computer spends money scheduled for each month for a customer via an input / output device or a communication network. Alternatively, a condition receiving process for receiving and receiving the amount of income and the amount thereof as an expense income schedule, and a process for storing the expense income schedule received by the computer in the condition accepting process in a predetermined condition storage unit for each customer. The computer, for each month, (1) When the expenditure income schedule stored in the condition storage means is the expenditure of funds, in the calculation process, at least one of paying out the distribution or reversing the investment (2) When the expenditure income schedule stored in the condition storage means is the income of funds, the amount of In sense, at least one of the amount of reversal of payout or investment funds of the distributions, is reduced by the amount of the income, and having a conditional processing process, the.

  Another aspect of the present invention captures the above aspect from the viewpoint of a computer program. By controlling the computer, a customer is scheduled for each month via an input / output device or a communication network. The amount of expenditure or income of the current funds and the amount thereof are received and accepted as an expenditure income schedule, the condition acceptance process is executed, and the computer controls the expenditure income schedule received in the condition acceptance process for each customer. By storing the data in a predetermined condition storage means and controlling the computer, for each month, (1) when the expenditure income schedule stored in the condition storage means is the expenditure of funds, Increasing at least one of the distribution amount or the withdrawal of the investment amount by the amount of the expenditure, (2) before When the expenditure income schedule stored in the condition storage means is the income of funds, in the calculation process, at least one of the amount of the distribution payment or the withdrawal of the investment money is reduced by the amount of the income A processing process is executed.

  In this way, by adjusting the amount of funds received, such as the number of withdrawals, in response to the withdrawal of funds related to products and services such as mortgages, personal pensions, life insurance, etc. A reasonable and wasteful break-in that fits demand and movement is possible.

  According to another aspect of the present invention, a priority order is selected for whether to give priority to paying out distributions or reversing investment in receiving funds based on the financial product for a customer via an input / output device or a communication network. The condition receiving means for receiving, the condition storing means for storing the priority order received by the condition receiving means for each customer, and the priority order stored in the condition storing means for each month is (1) When giving priority to paying out the distribution amount, the calculation means decides to pay out the distribution amount from the desired monthly amount to the shortage amount obtained by subtracting the annual amount. In the case of excess, let the calculation determine that the excess amount obtained by subtracting the distribution amount from the shortage amount will be reversed from the investment amount, and (2) the priority will be given to the reversal of the investment amount. The calculation control unit realizes a condition processing unit that causes the calculation unit to determine by calculation that the deficient amount obtained by subtracting the annual amount from the desired monthly amount is to be reversed from the investment money. Features.

  Another aspect of the present invention captures the above aspect from the viewpoint of a method, and the computer uses the input / output device or the communication network to provide a distribution of funds to the customer based on the financial product. A condition receiving process for accepting selection of priority order for giving priority to payout or withdrawal of investment money, and the computer stores the priority order received in the condition accepting process in a predetermined condition storage unit for each customer. And, when the priority stored in the condition storage means for each month is (1) giving priority to payout of the distribution, in the calculation process, from the desired monthly amount When it is determined by calculation that the distribution amount up to the shortage amount after the annual amount is reduced, and the shortage amount exceeds the distribution amount It is determined by calculation that the excess amount obtained by subtracting the distribution amount from the shortage amount is to be reversed from the investment amount. (2) When the priority is given to the reversal of the investment amount, And a condition processing process for determining by calculation that the shortage amount obtained by subtracting the amount of money is withdrawn from the investment money.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a computer program. By controlling the computer, a fund based on the financial product is provided to a customer via an input / output device or a communication network. The priority received in the condition reception process by receiving a selection of a priority order to prioritize whether to give out distribution money or withdrawal of investment money in receipt, execute the condition reception process, and control the computer Is stored in a predetermined condition storage means for each customer and the computer is controlled so that, for each month, the priority order stored in the condition storage means gives priority to (1) paying out the distribution money. In the calculation process, the distribution amount from the desired monthly amount to the shortage amount obtained by subtracting the annual amount is calculated. (2) Investment amount. In the calculation process, when the calculation process determines that the shortage amount obtained by subtracting the annual amount from the desired monthly amount is to be released from the investment money, the condition processing process is executed. Features.

  In this way, by making it possible to select whether to receive distributions or reversal of principal prioritized to the shortage, it is possible to achieve satisfaction in line with tax circumstances, economic conditions, and the sense of market value for each customer. High investment management can be realized.

  In another aspect of the present invention, the yearly amount receiving means accepts input about a basic pension payment period and a welfare annuity payment period, respectively, and stores them in the yearly price storage means, and the condition processing means By referring to the annual amount storage means, (1) for the month that is the basic pension payment period but not the welfare pension payment period, the calculation means stores the desired monthly amount storage means. From the monthly amount, the annual amount stored in the annual amount storage means is subtracted to calculate the shortage amount. If the shortage amount is larger than 0, the shortage amount is compared with the distribution amount for the month, and the distribution to the shortage amount is performed. It is determined by calculation that the amount of money to be paid out is calculated, and when the shortage exceeds the distribution amount, it is determined by calculation that the excess amount obtained by subtracting the distribution amount from the shortage is retired from the investment money. ) For the month of the basic pension payment period and the welfare pension payment period, the calculation means is stored in the annual amount storage means from the desired monthly amount stored in the desired monthly amount storage means. The deficiency is calculated by subtracting a certain annual amount, and if the deficiency is greater than 0, it is determined by calculation that the distribution amount up to the deficiency is paid out.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a method, and the computer is configured to provide a basic pension payment period and a welfare pension payment period in the annual amount reception process, respectively. The input is received and stored in the annual amount storage means, and the computer refers to the annual amount storage means in the condition processing, so that (1) the basic pension payment period but not the welfare pension payment period For the month, in the calculation process, the shortage amount is calculated by subtracting the annual amount stored in the annual amount storage means from the desired monthly amount stored in the desired monthly amount storage means. For example, the shortage amount is compared with the distribution amount for the month, and it is determined by calculation that the distribution amount up to the shortage amount will be paid out. In such cases, it is determined by calculation that the excess amount obtained by subtracting the distribution amount from the shortage amount is recalculated from the investment amount. In the calculation process, the deficit amount is calculated by subtracting the annual amount stored in the annual amount storage unit from the desired monthly amount stored in the desired monthly amount storage unit. It is characterized by determining by calculation that paying out the distribution amount up to.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a computer program. By controlling the computer, the payment period of the basic pension and the payment of the welfare annuity are performed in the annual amount receiving process. (1) Basic pension payment period by receiving the input for each period and storing it in the annual amount storage means, and by controlling the computer to refer to the annual amount storage means in the condition processing However, for a month that is not the welfare pension period, the amount of deficiency is calculated by subtracting the annual amount stored in the annual amount storage means from the desired monthly amount stored in the desired monthly amount storage means in the calculation process. If the shortage amount is larger than 0, the shortage amount is compared with the distribution amount for the month, and the distribution amount up to the shortage amount is paid out. (2) Payment of the basic pension. For a month that is a period and is a welfare annuity payment period, in the calculation process, the annual amount stored in the annual amount storage means is subtracted from the desired monthly amount stored in the desired monthly amount storage means. The shortage amount is calculated, and if the shortage amount is larger than 0, it is determined by calculation that the distribution amount up to the shortage amount is paid out.

  In this way, the basic pension alone was used to break down the principal, and the welfare annuity was also paid to reduce the shortage. Effective investment management without waste is possible.

  According to another aspect of the present invention, a variable condition indicating which economic index has fallen or increased to which reference value for a customer's financial product via an input / output device or a communication network, and the variable condition are satisfied. A condition accepting unit that accepts designation of whether to cancel or start the withdrawal of investment money, and a condition for storing the change condition and the change content accepted by the condition accepting unit for each customer A storage means, an economic information input means for periodically receiving an input of the economic index as a time series value, and the economic index received by the economic information input means for the fluctuation condition stored in the condition storage means. By detecting the establishment of the fluctuation condition in comparison with the reference value, the calculation means stops or starts the withdrawal of the financial product in accordance with the corresponding change content. Characterized by realizing a condition processing unit, the said arithmetic control unit.

  Another aspect of the present invention captures the above aspect from the viewpoint of a method. The computer uses an input / output device or a communication network to determine which economic index and which reference value for a customer's financial product. A condition accepting process for accepting designation of a variable condition of whether or not the variable has fallen or increased, and, if the variable condition is satisfied, a change content of whether to cancel or start the withdrawal of investment money, and the computer, A process of storing the variation condition and the change content received in the condition reception process in a predetermined condition storage unit for each customer; and an economy in which the computer periodically receives an input of the economic index as a time series value An information input process, and the economic index that the computer receives in the economic information input process before the fluctuating condition stored in the condition storage means A condition process that stops or starts the withdrawal of the financial product in the calculation process in accordance with the corresponding change content by detecting the establishment of the fluctuation condition compared with a reference value, To do.

  Another aspect of the present invention captures the above aspect from the viewpoint of a computer program. By controlling the computer, any economy for a customer's financial product can be obtained via an input / output device or a communication network. Executes a condition acceptance process that accepts the designation of the fluctuation condition to which the index has fallen or increased, and the change contents to cancel or start the withdrawal of investment money when the fluctuation condition is established By controlling the computer, the variation condition received in the condition receiving process and the change content are stored in a predetermined condition storage unit for each customer, and by controlling the computer, By periodically receiving input of the economic index, executing economic information input processing, and controlling the computer By comparing the economic index received in the economic information input process with the reference value of the fluctuation condition stored in the condition storage means and detecting the establishment of the fluctuation condition, the corresponding change contents , Characterized in that a condition processing process is executed to stop or start the withdrawal of the financial product in the calculation process.

  In this way, according to customers 'thinking, by canceling the reversal of financial products in response to changes in economic indicators, it becomes possible to easily realize investment management that conforms to individual customers' investment policies and market views.

  According to another aspect of the present invention, the calculation control unit realizes a loan processing unit that provides a loan to a customer with a financial product as a collateral. (1) The date, the loan amount, the loan balance, and the financial product of the customer serving as collateral are stored in a predetermined loan information storage unit, and (2) the investment information stored in the investment information storage unit Recording the restriction information that the customer's financial product is collateral, and when the collateral setting is completed by the collateral setting means, the loan amount is determined by the deposit / withdrawal of a predetermined loan entity. A loan execution means for outputting electronic instruction information for subtracting from a predetermined account or account item to be performed and adding to a predetermined account or account item for depositing / withdrawing a customer, and a repayment amount for repayment of the loan, (1) While subtracting from the specified account or account item for depositing and withdrawing the customer, (2) outputting electronic instruction information for adding to the specified account or account item for depositing and withdrawing the specified loan entity, and repayment record And (1) the date, the repayment amount, and the loan balance are stored in the loan information storage means, and (2) if the loan balance is zero, the investment information storage means Repayment release means for deleting restriction information indicating that the customer's financial product is secured as collateral from the stored investment information, wherein the condition processing means is for the customer's financial product: (1) If the condition processing means has stopped the withdrawal by the calculation means, for each month, the excess calculated by the calculation means is the loan amount, the financial product as collateral, the loan processing means to the customer (2) If the condition processing means starts the withdrawal of the calculation means and there is a loan to the customer, the loan amount and all or part of the interest amount are also The investment means is canceled by the execution means, and the loan processing means is caused to repay the loan by using the amount of the cancellation as a repayment amount.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a method, wherein the computer executes a loan process for lending to a customer using financial products as collateral, A collateral setting process and a loan execution process in the loan, and a repayment release process in the repayment of the loan. In the collateral setting process, the computer sets (1) a date as the setting of the loan record and the collateral, The loan amount, the loan balance, and the customer's financial product as collateral are stored in a predetermined loan information storage means, and (2) the customer's financial product is stored in the investment information stored in the investment information storage means. In the loan execution process, when the computer completes the setting of the collateral in the collateral setting process, the loan execution amount is input to a predetermined loan entity. Electronic instruction information for subtracting from a predetermined account or account item for performing money and adding to a predetermined account or account item for performing customer deposit / withdrawal is output. In the repayment cancellation process, the computer The computer outputs electronic instruction information for causing the amount to be subtracted from a predetermined account or account item for depositing / withdrawing a customer while adding to a predetermined account or account item for depositing / withdrawing a predetermined loan entity, However, (1) the date, the repayment amount, and the loan balance are stored in the loan information storage means as the cancellation of the repayment record and collateral setting, and (2) when the loan balance becomes zero, the investment The restriction information that the customer's financial product is secured is deleted from the investment information stored in the information storage means, and in the condition processing, the computer For products, (1) If withdrawal is canceled in the calculation process due to the condition process, the loan processing is performed for each month with the excess calculated in the calculation process as the loan amount and the financial product as collateral (2) If the condition processing starts the withdrawal in the calculation process, and if there is a loan to the customer, the loan amount and all or part of the interest amount The investment is canceled in the execution process, and the loan is repaid by the loan process with the amount of the cancellation as a repayment amount.

  Another aspect of the present invention captures the above aspect from the viewpoint of a computer program. By controlling the computer, a loan is made to a customer with financial products as collateral, and a loan process is executed. The loan process includes a collateral setting process and a loan execution process for the loan, and a repayment release process for the repayment of the loan. In the collateral setting process, the loan record and the collateral are controlled by controlling the computer. As the setting, (1) the date, the loan amount, the loan balance, and the financial product of the customer serving as collateral are stored in a predetermined loan information storage unit, and (2) stored in the investment information storage unit In the investment information, the restriction information indicating that the customer's financial product is secured is recorded, and in the loan execution process, the computer is controlled by When the collateral setting is completed in the insurance setting process, the loan amount is subtracted from a predetermined account or account item for depositing / withdrawing a predetermined loan entity, and a predetermined account or account item for depositing / withdrawing a customer In the repayment canceling process, the repayment amount is subtracted from a predetermined account or account item for making a deposit / withdrawal of the customer by controlling the computer. (1) Date and repayment amount as the cancellation of repayment record and collateral setting by outputting electronic instruction information for adding to a predetermined account or account item for depositing / withdrawing of the lending entity and controlling the computer And the loan balance in the loan information storage means, and (2) if the loan balance becomes zero, the investment information stored in the investment information storage means The restriction information indicating that the customer's financial product is collateral is deleted, and in the conditional processing, the computer is controlled, so that (1) the calculation is performed by the conditional processing. When the withdrawal is canceled in the processing, for each month, the excess calculated in the calculation processing is used as the loan amount, and the financial product is used as a collateral, and the loan processing is performed to the customer, (2) If the condition process starts the reversal in the calculation process, and there is a loan to the customer, the reversal of the investment money is also performed in the execution process for all or part of the loan amount and the interest amount. Repayment of the loan is performed by the loan processing with the amount of the withdrawal as the repayment amount.

  In this way, even during periods when withdrawals are suspended based on fluctuations in economic indicators, it is possible to easily carry out loans with collateral for the financial products, Coexistence with demand for funds becomes easy.

  According to another aspect of the present invention, the investment information receiving means receives the input of information representing the contents and quantity of stocks of stocks of stocks included in each investment trust that is a financial product, and the investment information storage means And the contents of the shareholder-preferred product stored in the investment information storage means and the quantity thereof, for a purchase customer of the investment trust stored in the investment information storage means. Instructions for distributing the investment trust purchase customers by sorting them in descending order of the investment amount of the investment money and distributing them from the top, and sending shareholder special gifts to each allocated customer The arithmetic control unit realizes a preferential distribution unit for outputting information.

  Another aspect of the present invention captures the above aspect from the viewpoint of a method. In the investment information reception process, the computer is a shareholder-preferred product for each investment trust that is a financial product. An input of information representing the contents and the quantity thereof is received and stored in the investment information storage means, and the computer stores the contents and the quantity of the shareholder-preferred product stored in the investment information storage means in the investment information storage. Allotted purchases of the investment trust stored in the means are allocated by random event or random lottery process using random numbers, or the purchase customers of the investment trust are sorted in descending order of the investment amount of the investment money. And a preferential distribution process for outputting instruction information for shipping the shareholder preferential products to each of the distributed customers.

  In another aspect of the present invention, the above aspect is grasped from the viewpoint of a computer program. By controlling the computer, in the investment information receiving process, the stocks included for each investment trust that is a financial product. The contents of the shareholder-preferred product stored in the investment-information storage unit are received by receiving the input of the information representing the content and quantity of the shareholder-preferred product and stored in the investment information storage unit And the quantity is allocated to the purchase customers of the investment trust stored in the investment information storage means by random event or lottery processing using random numbers, or the purchase customers of the investment trust are allocated to the investment money. In order to sort the items in descending order of investment amount and distribute them from the top, the instruction information for shipping shareholder benefits to each allocated customer Output, characterized in that to execute the preferential allocation process.

  In this way, by providing a shareholder special offer for stocks included in an investment trust in accordance with the lottery and transaction content, customer satisfaction is improved and the use of the present invention can be effectively promoted.

  In another aspect of the present invention, the transfer name accepting means for accepting designation by inputting a character string or selecting from a plurality of candidates, and the transfer name accepted by the name accepting means for each customer. A transfer name storage means for storing, and a transfer instruction information for executing a transfer to a transfer destination account registered in advance for a customer with respect to an amount that the execution means pays out or withdraws by the deposit / withdrawal balance The transfer control means realizes the execution means, and the transfer execution means stores and outputs the transfer source name stored in the transfer name storage means in the transfer instruction information for each customer. It is characterized by that.

  Another aspect of the present invention captures the above aspect from the viewpoint of a method, and the computer accepts designation of a transfer source name by inputting a character string or selecting from a plurality of candidates. A receiving process; a process in which the computer stores the transfer name received in the name receiving process in a predetermined transfer name storage means for each customer; and the computer pays out the deposit / withdrawal balance in the execution process or A transfer execution process that outputs transfer instruction information for executing a transfer to a bank account registered in advance for a customer for the amount to be withdrawn. In the transfer execution process, the computer In addition, the transfer source name stored in the transfer name storage means is included in the transfer instruction information and stored and output. That.

  Further, another aspect of the present invention captures the above aspect from the viewpoint of a computer program. By controlling the computer, the name of the transfer source is designated by inputting a character string or selecting from a plurality of candidates. By executing the transfer name acceptance process and controlling the computer, the transfer name accepted in the name acceptance process is stored in a predetermined transfer name storage means for each customer, and by controlling the computer, For the amount to be paid out or withdrawn with the deposit / withdrawal balance in the execution process, output transfer instruction information for transfer execution to a transfer destination account registered in advance for the customer, execute the transfer execution process, In the transfer execution process, by controlling the computer, for each customer, the transfer name Wherein the transfer of the original name is stored is included in the transfer instruction information to output stored in 憶 means.

  In this way, by making it possible to specify the name of the transferor displayed in the details of your account, depending on the circumstances of the transfer recipient, such as a memorandum instead of a financial purpose, or distinction from other similar transfer Easy-to-understand fund management.

  According to another aspect of the present invention, the investment information processing apparatus according to any one of claims 1 to 9 and a customer's financial institution account to which funds are transferred by paying out distribution money or releasing investment money are further managed. In the investment information processing system that combines the account information processing system with the communication network, the account information processing system accepts and stores the designation of the upper limit for the balance of the account, and the balance of the account is set as the upper limit. Comparing from time to time, when the balance reaches the upper limit, it has a balance notification means for notifying the investment information processing apparatus of that, and the calculation means of the investment information processing apparatus, when there is the notification, the distribution Receiving funds by at least one of paying out gold and reversing the investment is reduced or stopped.

  Furthermore, another aspect of the present invention is an investment information processing method in an investment information processing apparatus including a computer, which is obtained from the viewpoint of a method, and is an investment information processing method according to any one of claims 12 to 20. A communication network, and an account information processing method in which an account information processing system, which is a second computer, manages a customer's financial institution account to which funds are transferred by paying out distributions or reversing investment In the investment information processing method for processing information in a combined investment information processing system, the account information processing system accepts and stores a designation of an upper limit for the balance of the account, and compares the balance of the account with the upper limit at any time. When the balance reaches the upper limit, the investment information processing apparatus is informed of the balance information processing to notify the investment information processing apparatus of the fact. Said computer in said calculation means, when there is the notification, characterized in that it reduce or stop the funds received by the at least one reversal of payout and the investment funds of the dividend.

  Further, another aspect of the present invention is an investment information processing program for controlling an investment information processing apparatus including a computer, as seen from the viewpoint of a computer program, and any one of claims 23 to 31. And an account information processing program for controlling an account information processing system, which is a second computer for managing a customer's financial institution account to which funds are transferred by paying out distributions or reversing investment. The investment information processing system program controls an investment information processing system in which the investment information processing apparatus and the account information processing system are combined through a communication network, and the account information processing program controls the account information processing system. To specify the upper limit for the balance of the account. Store the balance of the account with the upper limit at any time, and when the balance reaches the upper limit, notify the investment information processing apparatus of the balance information processing, The investment information processing program controls the computer so that, when there is the notification from the account information processing system, in the calculation processing, the funds by at least one of the payout of the distribution money and the withdrawal of the investment money The receipt is reduced or stopped.

  In this way, when the amount of the account balance on hand that serves as a living fund for the customer increases to some extent, it becomes possible to use the amount for continuation of operations and reinvestment by stopping paying out distributions and reversing investment. Can be used more effectively.

  According to another aspect of the present invention, there is provided an investment information processing apparatus for managing a customer's securities account for a financial product, and a customer's first pension receipt. In an investment information processing system that combines a financial institution account and a second financial institution account for living funds with an account information processing system that is a computer for managing the account, the account information processing system includes: For each of the above, the received amount from the financial product including the annual amount required for depositing into the first financial institution account, at least one of the paid-out amount of the distribution based on the securities account and the withdrawal amount of the investment money, , The annual amount is deducted from the balance of the first financial institution account, the funds received from the financial product are subtracted from the securities account, and the total amount is deducted from the second money. It performs transfer by adding the balance of institution account, and having an transfer process unit.

  Further, another aspect of the present invention is an investment information processing method in an investment information processing apparatus comprising a computer, in which the above aspect is grasped from the viewpoint of a method, and the method according to any one of claims 12 to 20 An investment information processing method for managing a customer's securities account for a financial product, a customer's first financial institution account for receiving pensions, and a second financial institution account for living funds An investment information processing method combining an account information processing method managed by an account information processing system, which is a computer of a computer, via a communication network, wherein the account information processing system deposits money into the first financial institution account on a monthly basis. The total amount of money received from financial instruments including at least one of the paid-out amount of the distribution based on the securities account and the withdrawal amount of the investment, Decreasing the annual amount from the balance of the first financial institution account, subtracting the funds received from the financial product from the securities account, and adding the total amount to the balance of the second financial institution account. It is characterized by performing the transfer process by performing the transfer.

  Further, another aspect of the present invention is an investment information processing program for controlling an investment information processing apparatus comprising a computer, in which the above aspect is grasped from the viewpoint of a computer program. An investment information processing program for managing a customer's securities account for financial products, a customer's first financial institution account for receiving pensions, and a second financial institution account for living funds; An investment information processing system for controlling an investment information processing system in which the investment information processing apparatus and the account information processing system are combined in a communication network with an account information processing program for controlling an account information processing system that is a second computer for managing In the information processing system program, the account information processing program controls the account information processing system. From a financial product that includes at least one of the annual amount for depositing into the first financial institution account, the amount of the distribution paid out based on the securities account, and the amount of withdrawal of the investment amount every month. Funds received, the annual amount is deducted from the balance of the first financial institution account, the funds received from the financial product are deducted from the securities account, and the sum is deducted from the second financial institution. It is characterized by executing a transfer process in which a transfer is made by adding to the balance of the institutional account.

  In this way, two types of funds, the funds from the pension receipt account and the funds from the financial products, are unified into one total deposit amount and moved to the account for living funds every month under the consistent transfer name, The behavior of funds can be leveled by eliminating the sense of incongruity, instability, and incomprehension that funds are transferred with different names and amounts of money each month, making planned life planning easier.

  DESCRIPTION OF EXEMPLARY EMBODIMENTS Hereinafter, the best mode for carrying out the invention will be described with reference to the drawings. In addition, about the premise common with the description in background art or a subject, it abbreviate | omits suitably.

[1. Constitution〕
The present embodiment is an investment information processing apparatus (hereinafter referred to as “this apparatus”) that is a computer that performs information processing related to financial products, particularly investment trusts, and the target financial products are typically investment trusts. Although it is a global bond fund, the present invention is not limited to this and may be an investment trust such as another stock or other financial products other than the investment trust.

  The apparatus generally has storage means for storing the investment amount of the investment trust, the annual amount of each month, and the desired monthly amount for each customer, and the computer stores the monthly amount for each customer. Accepting the input of information on the distribution amount based on the investment trust, accessing the storage means, calculating the shortage amount of the desired monthly amount and the annual amount, paying out the amount from the distribution amount, When the amount is insufficient, calculation and processing are performed to withdraw the insufficient amount from the investment trust.

  Here, a schematic configuration of the present apparatus is shown in FIG. The apparatus (investment information processing apparatus) 1 can be realized on a computer such as a web server system. Such a computer includes an arithmetic control unit such as a CPU, storage means such as a memory, a liquid crystal display, and a keyboard. However, since these are common, they are omitted, and FIG. 1 is a functional block diagram.

  That is, each means (reference numerals 10, 15, 20, 22...) Shown in FIG. 1 is realized by an arithmetic control unit (not shown) of the computer as described above. And it is a processing means corresponding to each function effect | action of this embodiment. The same applies to each means shown in the subsequent drawings.

  In FIG. 1, “Web” in each means is intended to accept an access operation from a user such as an external customer via an Internet website, and “Business” is an in-house business system or The purpose is to accept an access operation from the department in charge via the LAN, and both functional means that can be operated from both inside and outside the company are appended.

[2. Effect)
[2-1. (Basic effects)
In the present embodiment configured as described above, the investment information receiving means 10 includes the investment amount of investment money (including the case where it is expressed by the number of units, denominated in foreign currency, etc.) and each month for financial products such as investment trusts. The investment information for each customer including the distribution amount is received (investment information reception process), and the received investment information is stored in the investment information storage means 15 for each customer (investment information storage process).

  Also, the annual amount receiving means 20 receives an input for the monthly amount for each customer (annual amount receiving process), and stores the received annual amount for each month in the annual amount storage means 22 for each customer. (Annual amount storage processing). Similarly, the request accepting means 30 designates the desired monthly amount to be received every month including the annual amount for each customer by rough estimation or the like (desired acceptance processing), and the desired monthly amount received in this way is stored in the desired monthly amount storage means 35 for each customer. Remember (desired monthly storage process).

  Then, the calculation means 40 calculates the excess or deficiency between the desired monthly amount stored in the desired monthly amount storage means 35 and the annual amount stored in the annual amount storage means 22 for each month for each customer. Based on the investment information stored in the investment information storage means 15 for the same amount as the excess or deficiency, the amount of distribution paid out, the amount of reinvestment, the amount of additional investment, the amount of investment withdrawal (number and amount) Calculate at least one of (calculation process).

  As a typical example of calculation, when the monthly deficit is less than the distribution, the excess distribution is reinvested into the principal, while when the monthly deficit exceeds the current distribution, the source of the investment Withdraw money and apply to the shortage. Then, based on the result of the calculation by the calculation means 40, the execution means 45 performs at least one of distribution payment, reinvestment, additional investment, and withdrawal of investment money for the customer's financial product. Execution is performed by outputting execution instruction data (execution processing). In the investment information processing apparatus 1, the amount and the number of units are appropriately converted based on the base price.

  An example of a more specific processing procedure is shown in FIG. That is, the calculation means 40 calculates the deficit amount for each month by subtracting the annual amount stored in the annual amount storage means 22 from the desired monthly amount stored in the desired monthly amount storage means 35 for each month (step S401) If there is a shortage amount, that is, if the shortage amount is larger than 0 (step S402), the shortage amount is compared with the distribution amount of the month, and it is determined by calculation that the distribution amount up to the shortage amount is paid out. At the same time (step S403), if the deficit exceeds the distribution amount (step S404), it is determined by calculation that the excess obtained by subtracting the distribution amount from the deficit is to be released from the investment money (step S405).

  Then, according to the calculation result of the calculation means 40, the execution means 45 pays out the distribution amount up to the shortage amount, (1) subtracts the shortage amount from the distribution amount, and (2) predetermined entry / exit of the customer. Distribution by adding to the balance A1 for money (for example, deposits in securities company accounts, account items such as MRF (Money Reserve Fund), balances to be transferred to other financial institution accounts, etc.) Gold is paid out (step S451).

  As for the withdrawal of investment money, the excess money is subtracted from the investment amount (1) and added to the deposit / withdrawal balance A1 (step S453).

  Further, when the shortage amount obtained by subtracting the annual amount from the desired amount is less than the distribution amount (step S404), the calculation means 40 determines the remaining amount of the distribution amount obtained by subtracting the shortage amount from the distribution amount to the financial product. The reinvestment is determined by calculation, and for this reinvestment, the execution means 45 sets the balance of the distribution amount obtained by subtracting the deficit amount from the distribution amount, that is, the balance of the distribution amount to zero and adds it to the investment amount. Thus, reinvestment is performed (step S452).

  Here, the graph of FIG. 3 is an example in which the public pension (white rectangular portion) is compensated with the amount of money received from the global bond fund (abbreviated as “glo bond”) (rectangular portion of halftone dots). This is an example of specifying approximately 400,000 yen. In addition, when an approximate desired amount is specified in this way based on a financial product whose trading unit is fixed, such as 10,000 units, the base price of the financial product can be seen as shown by the unevenness in the graph of FIG. As a result of this change, both the actual withdrawal amount and the amount of money received will slightly increase and decrease from month to month.

  As mentioned above, instead of distributing the actual amount of distributions to each month or odd number of months, we accept the designation of the desired monthly amount that customers want to receive every month, including public pensions, and change the public annual amount as a result of transitional measures In accordance with the level of monthly payments, the distribution of financial products is automatically paid out or reversed so that the difference with the desired monthly amount is filled, and the level of public pension payment start age is This makes it possible to manage funds more favorably while responding smoothly to changes in the situation such as deferred payments.

  In particular, depending on the case of the relationship between the deficit amount and the actual distribution, depending on the case, the condition judgment process that uses reinvestment of surplus distribution or reversal of the principal amount will result in excessive or insufficient funds depending on the actual performance. It is effectively used without any problems.

  Hereinafter, more specific contents of each element and additional ideas will be described.

[2-2. (Calculation of annual amount)
First, among each information used for the above processing, the annual amount can be calculated from data provided by the customer. In this case, the annual amount calculation means 25 accepts input of basic data (annuity enrollment period, standard remuneration monthly amount, etc.) that is the basis of the annual amount for each customer, and stores the basic data in the basic data storage means 27. From this, the monthly amount of each customer is calculated and stored in the annual amount storage means 22 (annual amount calculation processing).

  In this case, more specifically, as shown in FIG. 4, the annual amount calculation means 25 for calculating the annual amount using the calculation formula F for calculating the annual amount of each month from predetermined basic data is calculated by the above calculation. Realized by the control unit, this annual amount calculation means 25 accepts input of at least the type of pension, the amount as the basis of calculation, and the subscription period as basic data that is the basis of the annual amount for each customer. From the basic data, the monthly amount of each month of the customer is calculated and stored in the annual amount storage means 22 using the calculation formula F that is set and held in advance.

  In this way, it is not essential to calculate and use the estimated annual amount from basic data such as the subscription period, but this eliminates the trouble of the customer who inquires the estimated amount of pension and improves convenience and It is possible to smoothly and easily proceed with the financial plan including the supply amount.

  Later, if there is a further change in the pension system, recalculation is easy by changing the age category used for calculation, the age at which payment is made, and the method for calculating the amount to be paid.

  In addition, it is desirable to handle the annual amount separately for husband and wife. In this case, the annual amount storage means 22 (FIG. 2) is an annual amount or annual amount calculation means that receives an input by the annual amount reception means 20 for each member of the family (typically, husband and wife) for each month. The total amount obtained by adding the annual amount calculated in 25 is stored as the annual amount of the household, and the annual amount of the household is stored in the calculating unit 40, the possible monthly amount calculating unit 301, or the possible period calculating unit 302. Pass as.

  In this way, by accepting the input of the annual amount received by each family member and using the total amount as the annual amount for processing, it becomes possible to smoothly support a rational financial plan in accordance with the family household budget.

[2-3. (Calculation of desired monthly amount etc.)
Further, the desired monthly amount can be automatically calculated by designating how long it is desired to receive funds, instead of designating directly. In this case, the hope accepting means 30 accepts the designation of the end of the period (for example, how old) it wants to receive the funds, and each month for the period from the start of pension payment or the start of receipt of financial products to the end of the period. Calculate the desired monthly amount of.

  The algorithm for such calculation is free, but as an example, the total of the investment amount or the investment amount and the assumed distribution amount after tax is calculated in order from the annual amount of the smallest period among the annual amounts that increase in stages. Allocate and eliminate the difference over the entire period by repeating the process of eliminating the difference from the annual amount of the next smallest period, and then distribute the remaining amount equally to each month of the entire period.

  A more specific example is shown in FIG. In this example, the request accepting means 30 has a possible monthly amount calculating means 301 for calculating a receivable monthly amount, and the possible monthly amount calculating means 301 first accepts an end-time designation as to how long it wants to receive funds (step) S41).

  The investment amount stored in the investment information storage unit 15 and the monthly amount stored in the annual amount storage unit 22 for the period from the start of pension payment or the start of receipt of financial products to the end of the period, Are copied to the trial calculation memory area M (step S42), and in the trial calculation memory area M, the next unit process (steps S43 to S44) is performed so that the annual amounts of all the months become equal (step S45). Or, it is repeated until the investment amount is exhausted, that is, until it becomes 0 or less (step S46).

  As unit processing repeated in this way, first, the first annual amount of each month with the smallest number and the second annual amount of each month with the next smallest number are searched (step S43). The total difference of each month obtained by subtracting the smaller first annual amount from the annual amount is subtracted from the investment amount and added to the first annual amount of each month (step S44).

  At the time when the above repetition is completed, if there is still a remaining investment amount (step S47), the remaining amount is divided by the total number of months and added to each month (step S48). The annual amount of the month with the smallest annual amount is set as a possible desired monthly amount (step S49), the calculated desired monthly amount is output, a predetermined approval operation is accepted, and the desired monthly amount is stored in the desired monthly amount storage means 35 (FIG. 2).

  In this way, it is not essential that the amount of payment can be calculated backward from the period in which it is desired to continue to receive funds, but this makes it possible to plan and execute fund management that balances the period and the amount.

  In addition, as described above, instead of calculating the monthly amount that can be received from the end of the term, calculate the period that can be received from the desired monthly amount, and specify the amount of assumed distributions in the calculation of the monthly amount and period FIG. 6 shows an example of these cases.

  In other words, in this example, the wish accepting means 30 has a possible period calculating means 302 for calculating a receivable period, and this possible period calculating means 302 accepts designation of a desired monthly amount (step S51) and stores investment information. The investment amount stored in the means 15 and the annual amount stored in the annual amount storage means 22 for each month from the start of pension payment are copied to the trial calculation memory area M (step S52).

  In addition, when the estimated distribution amount is included by the presetting or the user's selection (step S53), designation of the estimated distribution amount after the tax, for example, after the tax is accepted (step S54), and the estimated distribution amount is estimated. Is added to the annual amount of each month in the memory area M (step S55).

  Then, the possible period calculation means 302 calculates the possible period as described below. That is, in the trial calculation memory area M, in order from the first month, a process of calculating the difference obtained by subtracting the annual amount of the month from the desired monthly amount and subtracting the difference from the investment amount (step S56), If it is repeated until the time is exhausted and becomes negative (step S58), the previous month that became negative becomes the last month of the possible period, so that it is output (step S59), for example, a predetermined approval After accepting the operation, the desired monthly amount designated at that time is stored in the desired monthly amount storage means 35 (FIG. 2).

  In this way, by calculating how long the funds can be received based on the desired monthly amount, various funding plans can be supported while respecting the customer's intentions.

  The reflection of the assumed distribution amount is the same in the case where the possible desired monthly amount is calculated by the possible monthly amount calculation means 301. As described above, the specification of the assumed distribution amount is possible in the calculation of the possible desired monthly amount and period. This makes it possible to effectively support a more robust meteorite after-retirement funding plan, taking into account changes in the amount of distribution due to changes in the socio-economic situation in the future.

[2-4. Screen display〕
The above calculation and calculation screen display are also possible. In this case, the screen display means 50 provides calculation and calculation screen display related to the investment information, annual amount, and desired monthly amount of the financial product as described above via the input / output device or the communication network N (screen display processing). .

  Although the specific form of the screen display is free, as an example, personal information such as date of birth, desired monthly amount, assumption on the screen by transition between web pages, technology such as Java (registered trademark) script or flash When request conditions such as profit are input (for example, FIG. 7), it is desirable to display the state of withdrawal in an easy-to-understand table or visual graph format (for example, FIGS. 8 to 10).

  Specifically, examples of information items that should be entered when the screen is displayed include personal information such as name, date of birth, marital status, date of spouse, date of birth, etc. Depending on whether the monthly amount or the number of years to be received is specified or there is a monthly amount or a period desired to be received, the estimated return on investment may be fixed or specified. As for pensions, the types of public pension, corporate pension or private pension, and the necessary items according to these types, if public pension, what is stated in the common plan pension amount inquiry answer sheet, corporate pension and private pension In the case of an annuity, there are the period of receipt and the amount of money.

  In addition, regarding the contents displayed on the screen, the items such as the estimated investment yield, the receiving period, the received yearly amount, the initial investment amount, which are fixed values and which other items are to be changed, etc. It is conceivable to specify with a GUI (graphical user interface) or the like.

  For example, the result display example in FIG. 8 shows that a rare customer on April 12, 1947 has a capital of 30 million yen (30 million units per unit for 1 yen) and a desired monthly amount of 400,000 yen. It is an example. In this case, for the sake of simplification, if you look at the average monthly amount, ignoring the distribution, 60 to 62 years old (April 2006 to March 2009), where the basic pension is paid 70,000 yen, is insufficient. An amount of 330,000 yen (330,000 units) was withdrawn from the principal, and since the age of 63 (after April 2009), a welfare pension of 150,000 yen was paid and the total annual amount was 220,000 yen. Withdraw the yen from the principal. This is the case where the investment is 0% (1 yen per unit), and the amount of “Gro Bonds” increases or decreases according to the actual performance.

  Although the example of FIG. 8 is based on the basic pension of the principal, FIGS. 9 and 10 show screen display examples of the results of taking into account the spouse's annual receipt amount. That is, FIG. 9 (a) shows the husband's pension receipt amount (rectangular portion indicated by a dark halftone dot), FIG. 9 (b) shows the wife's annual receipt amount (rectangular portion indicated by a thin halftone dot), and FIG. FIG. 10 shows an example of the combined result, in which the reversal of the global bond fund (rectangular portion indicated by diagonal lines) is further added.

  In this way, it is possible to display screens with various combinations of investment amount, annual amount, desired receipt amount, period, etc. from an online website or a store terminal such as a securities company or financial institution during an interview. By doing so, it becomes possible to propose and confirm an optimum pattern according to the circumstances and preferences of each individual customer, and it is possible to provide an operational product that best suits customer demand.

[2-5. (Handling of applicable values)
In addition, applicable values such as the purchase unit to be applied to financial instruments, base value (sell unit price, buy unit price), commission rate for purchase, foreign exchange rate (sell rate, buy rate), trust fee rate, etc. Pre-stored in the value storage means 55 (applied value storage processing), the calculation means 40, the execution means 45, and the screen display means 50 perform calculations, executions, etc. according to the application values stored in the application value storage means 55. Process.

  That is, as shown in FIG. 11, at least one of the calculation means 40 or the execution means 45 calculates the trust fee rate from the investment amount stored in the investment information storage means 15 at a predetermined date (step S71). In addition to deduction (step S72), in the calculation and execution, based on the applied value stored in the applied value storage means 55, for the buying and selling of financial products (step S73), rounding up or down to the purchase unit. (Step S74), base price multiplication / deduction (Step S75), deduction of the commission rate (Step S76), and for foreign currency denominated financial products (Step S77), the foreign exchange rate is multiplied (Step S78). .

  As described above, by applying preparatory values such as the unit and unit price of a transaction that is actually applied, a commission, and the like, and calculating the values incorporating them, it is possible to realize highly accurate calculation and screen display with reduced errors.

[2-6. (Application to non-monthly distribution type)
In addition, risk control is important in managing retirement benefits, which are important life funds for customers. As one means for that, it is conceivable to reduce risk by combining the financial products and applying the present invention to make diversified investments. However, in this case, depending on the type of investment target to be combined, there may be a financial product such as a one-year period that is not a monthly distribution type or that cannot be freely reversed. Even in such a case, it is possible to receive a certain amount every month by using the loan as follows in the month when it cannot be reversed.

  That is, the investment information receiving means 10 stores the investment information storage means 15 in the investment information storage means 15 as a specific month for each financial product invested by the customer as a specific month when the investment money cannot be reversed or distributed (FIG. 12). For the specific month stored in the investment information storage unit 15 for the customer's financial product, the loan processing unit 60 realized by the control unit provides a loan to the customer for the same amount as the shortage calculated by the calculation unit 40. (Loan processing).

  Then, the loan processing means 60 performs the calculation means 40 and the execution means 45 in the first month that is not the specific month after the specific month, by adding the same amount as the loan and its interest, and withdrawing the investment money or paying out the distribution money. Make it.

  Here, regarding the loan to the customer as described above in the present embodiment, the lender is not limited to the securities company's own department in charge of loan, but may be a subsidiary or other company in charge of securities collateral loan, or it may be an unsecured loan. Secured financing may be used, but if the customer's financial product is secured by secured financing, the following implementation can be considered.

  As an outline, in the loan processing means 60, the collateral setting means 62 sets a collateral for a financial product of the customer by recording information in the loan information storage means 68 for any financial product of the customer (collateral setting) Processing), the loan execution means 64 outputs instruction information for causing a predetermined loan entity to execute the loan to the customer (loan execution processing). When the loan is repaid, the repayment canceling unit 66 cancels the setting of the corresponding collateral and records information on the repayment and collateral cancellation processing in the loan information storage unit 68 (repayment processing).

  In this way, in the case of secured financing with collateral for financial products, it is possible to speed up financing and provide smooth funding by making an electronic streamline of a series of processing such as collateral setting / financing, repayment / collateral cancellation .

  Here, FIG. 12 is a more specific example in which the above loan processing is combined with a specific month. In the example shown in this figure, the collateral setting unit 62 of the loan processing unit 60 sets (1) a date, a loan amount, a loan balance, and a customer's financial product as a collateral as a loan record and collateral setting. (These four items will be referred to as “loan information”) in the loan information storage means 68 (step S621), and (2) the investment information stored in the investment information storage means 15 is added to the customer information. Restriction information (for example, cancellation restriction flag) indicating that the financial product is secured is recorded (step S622).

  When the collateral setting unit 62 completes the setting of collateral as described above, the loan execution unit 64 subtracts the loan amount from a predetermined account or account item for depositing / withdrawing a predetermined loan entity, and Electronic instruction information for adding to a predetermined account or account item for depositing / withdrawing is output to a predetermined output destination (such as a bank or a computer system 2 of a lending entity) (step S641).

  In repayment of the loan, the repayment canceling means 66 subtracts the repayment amount from (1) a predetermined account or account item for depositing / withdrawing a customer, and (2) depositing / withdrawing a predetermined loan entity. Electronic instruction information for adding to a predetermined account or account item is output (step S661), and (1) date, repayment amount, and loan balance are stored as the loan information storage as cancellation of repayment record and collateral setting. (2) When the loan balance becomes zero (step S663), the customer's financial product serves as collateral from the investment information stored in the investment information storage means 15. Is deleted (step S664).

  And about the said specific month memorize | stored in the investment information memory | storage means 15, the said shortage amount and the excess part calculated by the calculation means 40 are made into loan amount (step S671), and the financial product is used as collateral. In addition to making a loan to the customer (step S672), in the first month that is not the specific month after the specific month, in addition to the withdrawal of the investment or the distribution of the distribution for the current month, the loan amount and the interest amount thereof (Step S681), the execution unit 45 is made to cancel the investment money or pay out the distribution money (step S682), and the loan is repaid using the amount of the withdrawal or the payment as the repayment amount (step S683). ).

  Here, FIG. 13 shows a simple example in which interest is not taken into account when there are some financial products that cannot be withdrawn every month. For example, we invest 20 million yen, 10 million yen and 10 million yen in three types of financial products A, B, and C invested by customers. Is a product that cannot be distributed or withdrawn every month, such as regular one year. In such a case, 1 month 200,000 yen and 100,000 yen, respectively, are withdrawn from the products A and B every month, but the portion of the 100,000 yen from the product C uses the loan until the 11th month. Then, from the 10 million yen at the maturity of the 12th month, the total loan amount of 1.1 million yen and the total of 100,000 yen for the current month are withdrawn collectively, and the remaining amount of 8.8 million yen is invested again in the same year.

  In this way, the month when it cannot be reversed is distributed by applying the present invention to a variety of financial products by supplying the shortage amount through unsecured or secured financing, and collecting and repaying it in a reversible month. It is possible to obtain stable monthly living funds while realizing investment and controlling risks. Of course, contrary to the loan, for example, depending on the desired monthly amount, the surplus amount in the financial institution account or the securities account may be automatically transferred to additional investment in the month when the pension is entered.

[2-7. About cancellation of withdrawal)
It is also possible to cancel or start the reversal according to changes in the evaluation value (base price, etc.) of the financial product. In this case, the condition accepting means 70 accepts designation of an evaluation amount or a variable condition of the investment yield as a condition for canceling or starting the withdrawal of the customer's financial product via the input / output device or the communication network N (condition Reception processing), the conditions received in this way are stored in the condition storage means 72.

  That is, the fluctuation condition may be not only the evaluation amount but also the fluctuation of the investment yield. In this case, the condition accepting means 70 determines the amount of reversal when at least one of the distribution amount and the investment yield falls or rises. It accepts designation of variable conditions for stopping or starting. In addition, in specifying the fluctuation conditions, in addition to absolute thresholds such as loss cut values such as more or less, relative declines and rise rates such as principal ratios and year-on-year comparisons, the highest reached It is also possible to specify conditions such as a so-called trail (trailing stop, trailing stop) order that specifies the value or the reversal width from the lowest price.

  Then, the condition processing means 75 monitors the fluctuation of the evaluation value for the customer's financial product. When the fluctuation condition stored in the condition storage means 72 is satisfied, the withdrawal of the financial product is canceled according to the condition. For the same amount as the shortage calculated by the calculation means 40, the loan processing means 60 outputs instruction information for causing a predetermined loan entity to execute a loan to a customer, or conversely, the financial product is withdrawn. Is started, resumed or increased (also referred to as “start, etc.”), and if there is a loan remaining, the same amount as the loan and interest is withdrawn and the loan processing means 60 repays.

[2-8. (Pattern of withdrawal cancellation etc.)
Here, there can be four types of patterns depending on whether the fluctuation condition falls or rises, and the response at that time is cancellation or start of withdrawal. In the first pattern, it accepts the specification of the variable condition of how the appraisal value is, ie how much (to what extent) it falls (or reverses by a predetermined amount after the fall) to cancel the reversal, and falls to that fluctuation condition At that time, the withdrawal of the financial product is stopped, and the loan processing means 60 makes a loan to the customer for the same amount as the shortage calculated by the calculation means 40.

  In the example of diversified investment in financial products A, B, and C, for example, for product A, the basic value at the time of application is used as the principal, and the condition is specified to be -10% or less or less than -15% compared to the same month last year, If it falls to that point, the withdrawal of commodity A is canceled and it is switched to financing.

  In this way, while the market price fluctuates greatly and the appraisal value is falling, by automatically stopping the reversal of the financial product and covering it with a loan, the reversal due to cheap sales under the unfavorable situation where the market price is falling It is easy to avoid the disadvantage of continuing and to expect the possibility of future market recovery.

  In the second pattern, it accepts the designation of the variable condition for starting the reversal (including resumption) or increasing when the appraisal value rises, and when it rises to that variable condition (or reverses by a predetermined amount after the increase) If there is a loan to a customer that was generated while the reversal of the financial product was started or increased and the reversal was canceled at that time, the same amount as the loan and interest is also repaid and repaid.

  In this way, when the falling market price returned to the normal range or reached the selling level specified by the customer, the withdrawal was automatically started or increased, or the withdrawal was canceled and the loan was overtaken. In this case, by reversing financial products and allocating them for loan repayment, or resuming the reversal, it is easy to deal with profits at moderately high prices without being overwhelmed by hunting for higher prices on the rising market.

  In the third pattern, the specification of the variable condition for canceling the reversal when the valuation amount increases is accepted, and when the value rises to the variable condition, the reversal of the financial product is canceled and the calculation means 40 The customer is financed for the same amount as the shortage to be calculated.

  In this way, when the appraisal value is at a good level due to an increase in the market price, etc., by automatically refraining from reversing the financial product and covering it with loans, we expect to see low sales with a small profit in the phase of the market increase and expect a higher price This makes it easier to implement so-called sensible investment policies.

  In the fourth pattern, we accept the specification of the variable condition for starting or increasing the amount of valuation when the appraisal value falls, and when the value falls to that variable condition, we start or increase the reversal of the financial product, At that time, if there is a loan to the customer to cancel the reversal, the same amount as the loan and interest will be repaid and repaid.

  In this way, in the phase where the appraisal value is low due to a decline in the market price, etc., if the withdrawal is automatically started, resumed or increased, or if the withdrawal is canceled and the loan is overtaken when the market price rises, the financial products are put together. By reversing it and allocating it to loan repayment, it becomes easy to put into practice the investment policy of loss cut (loss confirmation, stop loss, loss cut) that limits the risk by avoiding the fatal loss due to the larger decline.

  As described above, it is possible to realize conscientious asset management suitable for customer policy and market view by setting whether to suppress or increase the sale of financial products in accordance with the decline or increase in the valuation amount. Become. In other words, if the withdrawal (sell) is stopped at the time of a decline, it will be a so-called counter-tensioning measure that expects an unfavorable cheap sale and hopes for future recovery, and if the withdrawal (sell) is resumed or increased at the time of a decline, the risk of a further decline Loss cut (stop loss) is avoided. In addition, if the withdrawal (sale) is stopped when rising, it becomes a so-called policy to forego the low sales and expect a higher price, and if the withdrawal (sale) is resumed or increased when rising, the profit to be sold at a higher price is confirmed. It becomes a measure of.

[2-9. (Substitute withdrawal)
Also, instead of canceling the withdrawal and financing, it is possible to switch to a withdrawal from another financial product owned by the customer. In this case, how much the evaluation value of the condition accepting means 70 has decreased for the first financial product designated by the customer among the plurality of financial products held by the customer via the input / output device or the communication network N. In such a case, the cancellation is canceled, or the designation of the variable condition including the alternative financial product that substitutes for the cancellation among the plurality of financial products is received (condition receiving process) and stored in the condition storage means 72. Then, the condition processing means 75 monitors the fluctuation of the evaluation value for the customer's financial product, and when the condition processing means 75 falls to the fluctuation condition stored in the condition storage means 72, the withdrawal of the financial product is cancelled, and as an alternative, The alternative financial product is withdrawn (condition processing).

  In the example of diversified investment in financial products A, B, and C, for example, with respect to product A, the base value at the time of application is taken as the principal, and the variable condition is specified to be less than -10% or less than -15% compared to the same month last year At the same time, if the product B is designated as an alternative financial product, the withdrawal of the product A is canceled when it falls to that point, and the withdrawal of the product B that has been designated in advance is started, or the amount of withdrawal of the product B Increase by that amount.

  In this way, if the appraisal value fluctuates more than a certain amount and falls according to the prior designation of one of multiple financial products, the target of reversal is switched from that product to an alternative financial product, and unfavorable bargain sales are postponed. By expecting a future recovery, the funds can be managed effectively.

[2-10. Example procedure of condition processing)
FIG. 14 exemplifies a specific procedure in the case of performing processing such as cancellation and start of withdrawal (referred to as “change contents”) in accordance with the above fluctuation conditions.

  That is, the condition processing means 75 reads the distribution amount from the investment information storage means 15 for the customer's financial product or calculates the investment yield by dividing the distribution amount by the investment amount (step S751). Based on the investment amount stored in the accepting unit 15 and at least one of the reference value and the foreign exchange rate stored in the application value storing unit 55, an evaluation amount is calculated at a predetermined cycle (step S752).

  Then, the calculated evaluation amount, distribution amount, and investment yield are compared with the fluctuation conditions stored in the condition storage means 72, and it is determined whether or not the fluctuation conditions are satisfied (step S753). When this variation condition is satisfied (step S753), each process according to the corresponding change content (step S754) is performed.

  That is, when the calculation unit 40 cancels the withdrawal of the financial product due to the establishment of the fluctuation condition (step S755), the excess calculated by the calculation unit 40 is used as the loan amount, and the financial product is used as a collateral for the loan processing unit. 60 allows the customer to make a loan (step S756). Further, when the calculation means 40 starts or increases the withdrawal of the financial product (step S757), if there is a loan to the customer at that time (step S758), the sum of the loan amount and the interest amount is calculated. Calculate (step S759), and also with respect to all or a part of the amount, the execution unit 45 performs the withdrawal of the investment money (step S760) and causes the loan processing unit 60 to repay the loan with the amount of the withdrawal as the repayment amount. (Step S761).

  In addition, in the change of the reversal target (step S754), the reversal of the first financial product is stopped by the calculation means 40 (step S762), and as a replacement, the reversal of the replacement financial product defined in the variable condition is performed. Is started by the calculation means 49 (step S763).

[2-11. (Increase in desired monthly fee)
The desired monthly amount can be increased for a predetermined month or for an arbitrary month. In this case, the hope acceptance means 30 determines how many months or how many (for example, +50,000 yen) for the month in which the desired monthly amount is to be increased for the customer via the input / output device or the communication network N. The designation of whether or not to increase is accepted, and is stored in the desired monthly storage means 35.

  In this way, it is not essential to be able to select a larger distribution for a given month, such as April at the beginning of the fiscal year or December of Christmas, which is generally demanded for funds, or any month. Depending on social habits, it will be possible to provide sharply funded funds.

  Further, the desired acceptance means 30 (FIG. 2) accepts an arbitrary character string such as “wife's birth month” or “adult celebration to Taro grandson” as a memorandum character string for the desired month for the increase. The desired monthly amount storage means 35 may store the desired monthly amount for the increase.

  Such a memorandum character string is appropriately notified to the user in response to an inquiry after user authentication on the website or by e-mail at the appropriate time. Typically, the hope accepting means 30 refers to the desired monthly amount storage means 35 when providing information such as payment details to the customer for each month, and the memorandum character string is sent to the customer for the month for the increase. Output in the form of printout or electronic information (e-mail, posting on customer website, etc.).

  In this way, it is not essential to record the memorandum character string for the desired month, such as the birth month of the family, along with the setting for increasing the desired monthly amount, but this will suit the feelings and circumstances of each individual customer. A flexible and optimal distribution pattern can be realized and can play a role as a memorandum.

[2-12. (Interlocking with funding schedule)
Further, the amount of funds received by paying out the distribution money or reversing the investment money may be linked to the cash in / out of other products or services used by the customer. The processing in this case is illustrated in FIG. In this example, the condition accepting means 71 accepts the input of the planned expenditure or income of the funds and the amount for each month for the customer via the input / output device or the communication network N as the expenditure income schedule. Then, it is stored in the condition storage means 73 for each customer.

  Then, for each month, the condition processing unit 73 adjusts the amount of funds received by at least one of the distribution payment or the withdrawal of the investment money corresponding to the expenditure income schedule stored in the condition storage unit 73. .

  More specifically, as shown in FIG. 15, for each month, the condition processing means 73 (1) When the expenditure income schedule stored in the condition storage means 73 is the expenditure of funds (step S751), The calculation means 40 increases the amount of at least one of the payout of the distribution money or the withdrawal of the investment money by the amount of the expenditure (step S752). Also, (2) when the expenditure income schedule stored in the condition storage means 73 is the income of funds (step S751), the calculation means 40 is provided with at least one of the amount of distribution payment or withdrawal of investment money, Decrease by the amount of the income (step S753). A means for performing direct allocation settlement processing between such an increase / decrease amount and withdrawal / withdrawal of funds may be introduced.

  In this way, it is not essential to adjust the amount of funds received, such as the number of withdrawals, in response to the withdrawal of funds, as represented by products and services such as mortgages, personal pensions, and life insurance. This makes it possible to make a reasonable and wasteful reversal that meets the monthly demand and movement of funds.

[2-13. (Priority distribution and reversal)
It is also possible to specify whether to give priority to the distribution or withdrawal of funds. In this case, the condition accepting means 71 accepts the selection of the priority order regarding whether to give priority to the payment of distribution money or the withdrawal of investment money in the receipt of funds based on the financial product for the customer via the input / output device or the communication network. Then, the priority order is stored in the condition storage means 73 for each customer, and the condition processing means 75 causes the calculation means 40 to perform the calculation according to the priority order stored in the condition storage means 73 as described above.

  In this case, the condition processing means 75, for each month, as shown in FIG. 15, when the priority order stored in the condition storage means 73 is (1) giving priority to the payout of the distribution ( In step S754), the calculation means 40 is caused to calculate that the distribution amount from the desired monthly amount to the shortage amount obtained by subtracting the annual amount is calculated (step S755), and if the shortage amount exceeds the distribution amount, distribution is made from the shortage amount. If it is calculated that the excess amount with the reduced amount is withdrawn from the investment money (step S757) and priority is given to the withdrawal of the investment money (step S754), the distribution means is not paid out to the calculation means 40. Then, it is calculated that the shortage amount obtained by subtracting the annual amount from the desired monthly amount is withdrawn from the investment money (step S757).

  In this way, it is not essential to be able to choose whether to receive distributions or reversal of principal in favor of the deficit, but it is not necessary to do so. Highly satisfactory investment management in line with the feelings can be realized. As an example of the tax system, there is an example in which distribution tax is paid if the distribution is received and the tax return is saved, but the withdrawal of the principal is canceled or purchased and the handling of the tax becomes complicated.

[2-14. (Different payment periods)
It is also possible to switch the way of receiving funds according to the payment period of basic pension and welfare pension. In this case, as shown in FIG. 15, the annual amount receiving means 20 receives the input of the annual amount for the basic pension payment period and the welfare pension payment period and stores them in the annual amount storage means 22. The processing means 75 controls the calculation means 40 by referring to the annual amount storage means 22 so that the principal amount of investment is lost during the payment period of only the basic pension, and the operating distribution is received during the payment period of the welfare pension. .

  As a more specific example, as shown in FIG. 15, the condition processing means 75 refers to the annual amount storage means 22, so that (1) the monthly pension period but not the welfare pension period (Step S756), the calculation means 40 subtracts the annual amount (in this case, the basic annual amount) stored in the annual amount storage means 22 from the desired monthly amount stored in the desired monthly amount storage means 35. If the deficit amount is greater than 0, the deficit amount is compared with the distribution amount for the month, and it is decided to pay out the distribution amount up to the deficit amount (step S755). If the amount exceeds the amount of money, it is determined by calculation that the excess amount obtained by subtracting the amount of distribution from the shortage amount is withdrawn from the investment money (step S757).

  In addition, (2) For the month in which the basic pension is paid and the welfare pension is paid (step 756), the calculation means 40 calculates the year from the desired monthly charge stored in the desired monthly charge storage means 35. The deficit amount is calculated by subtracting the annual amount stored in the amount storage means 22 (here, the sum of the basic annual amount and the welfare annual amount). If the deficit amount is greater than 0, the deficit amount is calculated as the distribution amount for the month. In comparison, it is calculated that the distribution amount up to the shortage amount is paid out (step S755), but even if the shortage amount exceeds the distribution amount, the process of reversing the excess amount from the investment amount is not performed.

  In this way, it is not essential to switch the way of receiving funds so that the principal is destroyed during the period with a large amount of deficiency with only the basic pension and the welfare pension is also paid and the deficit is reduced, so that it is covered by the distribution. Thereby, effective investment management without waste according to the demand for funds becomes possible.

[2-15. Switching according to economic indicators)
It is also possible to switch the way of receiving funds according to economic indicators. In this case, the condition accepting means 70 uses the input / output device or the communication network N to determine which economic index has fallen or increased to which reference value for the customer's financial product as shown in FIG. When the change condition is satisfied, the designation of whether to cancel or start the withdrawal of investment money is accepted and stored in the condition storage means 72 for each customer.

  Thereafter, the economic information input unit 78 periodically receives the input of the economic index as a time series value (economic information input process), and based on the received economic information, the condition processing unit 75 inputs the economic information. By comparing the economic index received by the means 75 with the reference value of the fluctuation condition stored in the condition storage means 72 and detecting the establishment of the fluctuation condition (step S753), the corresponding change contents are changed. In response (step S754), the calculation means 40 stops (step S755) or starts (step 757) the withdrawal of the financial product.

  Here, there are other conditions for receiving the funds to be changed, such as whether to increase or decrease the desired monthly amount, prioritize distribution payout priority, or prioritize investment reversal, and which of multiple financial products to reversal. and so on. Examples of economic indicators include foreign exchange rates of specific currency pairs, domestic and foreign stock price indicators, official discount rates, long-term prime rates, price fluctuations, various statistical values, and rankings of economic prospects by public institutions. .

  In this way, it is not essential to be able to change the conditions for receiving funds automatically when economic indicators change, but this makes it possible to invest in accordance with the investment policies and market views of individual customers. Operation can be easily realized.

  As described above, the period during which the withdrawal is canceled due to the fluctuation of the economic index is also subject to financing by the loan processing means 60 as shown in FIG. In other words, the condition processing means 75, when the calculation means 40 has canceled the withdrawal of the customer's financial product, uses the excess calculated by the calculation means 40 as the loan amount for each month, and secures the financial product. If the loan processing means 60 makes a loan to the customer, (2) the condition processing means 75 causes the calculation means 40 to start the withdrawal, and if there is a loan to the customer, the loan amount and the interest With respect to all or part of the amount, the investment means 45 is made to withdraw the investment money, and the loan processing means 60 is made to repay the loan with the amount of the withdrawal as the repayment amount.

  In this way, from a customer's perspective, even in periods when the withdrawal of financial products was suspended depending on the economic environment, a long-term perspective was achieved by easily executing loans secured by the financial products. This makes it easy to balance the operation plan with the monthly demand for funds.

[2-16. (Distribution of shareholder benefits)
In addition, when managing an investment trust, which is a financial product, it is desirable to distribute shareholder benefits associated with it to customers. In this case, as shown in FIG. 16, the investment information receiving means 10 (FIG. 2) provides information indicating the contents and the quantity of the stock-owned shareholder special product for each investment trust, which is a financial product (information on the shareholder special product) ) Is received from an investment trust manager or the like and stored in the investment information storage means 15.

  Then, the preferential distribution unit 80 realized by the calculation control unit purchases the investment trust stored in the investment information storage unit and the content and quantity of the shareholder preferential product stored in the investment information storage unit. Allocate customers by chance (for example, the last digit of stock index closing price) or lottery using random numbers, or sort the purchase customers of the mutual funds in descending order of investment amount Allocate from the top.

  Then, the preferential distribution unit 80 outputs instruction information for sending shareholder preferential products to each customer distributed as described above (priority distribution processing). Such distribution is carried out in response to an application from the customer or without waiting for the application, and exchanged with the customer via a website or e-mail.

  In this way, it is not essential to provide shareholder benefits for stocks included in stocks in investment trusts according to the lottery and transaction details, but this will improve customer satisfaction and use the present invention. Can be effectively promoted.

[2-17. (Specify name of transfer source)
It is also possible for the customer to specify the name of the transfer source of the funds received from the securities company. In this case, as shown in FIG. 17, the transfer name accepting unit 85 accepts designation of the transfer source name and stores it in the transfer name storing unit 87 for each customer (transfer name accepting process).

  Further, the transfer execution means 88 realized by the arithmetic control unit, for each customer based on an instruction from the execution means 45, for the amount to be paid out or withdrawn with the balance for deposit and withdrawal, the transfer destination registered in advance for the customer This is a means for outputting the transfer instruction information addressed to the in-house fund department and the related finance for executing the transfer to the account (transfer execution process). This transfer execution means 88 is a transfer name storage means 87 for each customer. The transfer originator name stored in is included in the transfer instruction information and stored and output.

  The name of the transfer source can be specified by the customer directly on the website, or by a person in charge such as a branch office or office department using an input device such as a keyboard or reading input data from an internal business system. However, specific examples include a selection from several candidates (for example, “Daiwa Show Kenkin” or “XX Showken XX Saiken”, etc.), and a character string (before and after the company name (eg “Daiwa”)) ( For example, it may be performed by designating “step”, “yuyu”, etc.).

  In this way, it is not essential to be able to specify the name of the transfer source displayed in the details of your account, but this makes it possible to distinguish from a memorandum for fund purposes or other similar transfer In addition, easy-to-understand money management according to the circumstances of the transfer recipient is possible.

[2-18. (Control of withdrawal according to the balance)
It is also possible to reduce or stop the withdrawal according to the customer's account balance. In this case, as shown in FIG. 1, the investment information processing apparatus 1 and the account information processing system (referred to as “bank system”) B as described above are connected to a communication network N (for example, a dedicated line network or VPN). ) To form an investment information processing system. The bank system B in this case is a computer that manages a customer's financial institution account to which funds are transferred by paying out distribution money or reversing investment money.

  Then, the balance notification means B1 provided in the account information processing system B on the financial institution side, as shown in FIG. 17, sets the upper limit for the balance of the account (for example, the second bank account A3 for living funds shown in FIG. 17). Is received and stored (step S171), the balance of the account is compared with the upper limit as needed, and when the balance reaches the upper limit (step S172), this is notified to the investment information processing apparatus 1 (step S173). .Balance notification process).

  Upon receiving this notification, the calculation means 40 of the investment information processing apparatus A reduces or stops the receipt of funds for at least one of the distribution of the customer and the withdrawal of the investment. As a result, the decrease in the investment money stops, and the surplus of the distribution money is used for reinvestment or MRF management.

  In this way, when the amount of the account balance on hand that serves as a living fund for the customer increases to some extent, it becomes possible to use the amount for continuation of operations and reinvestment by stopping paying out distributions and reversing investment. Can be used more effectively.

[2-19. (Single transfer)
In addition, transfer of pension and transfer of receipt of funds from financial products can be unified for easy understanding. In this case, as shown in FIG. 17, each customer has a securities account A1 for financial products, a first financial institution account (for example, a first bank account) A2 for receiving an annuity, and a second for living funds. Financial institution account (for example, a second bank account) A3.

  Also in this case, the investment information processing apparatus 1 as described above manages the securities account A1, and the investment information processing apparatus 1 and the bank system B that manages each of the bank accounts A2 and A3 with a computer, Are combined in a communication network N to constitute an investment information processing system.

  Then, by the transfer processing means B2 provided in the banking system B on the financial institution side, the annual amount required for depositing into the first bank account A2, and the withdrawal of the distribution amount and investment money based on the securities account A1 are made monthly. And the funds received from the investment trust including the amount, the annual amount is reduced from the balance of the first bank account A2, the funds received from the financial product is reduced from the securities account A1, and By adding the total amount to the balance of the second bank account A3, transfer to the second bank account A3 is performed (transfer process).

  Normally, the name of the transferor in the account details etc. will be displayed as, for example, “Nenkin” or “□□ Nenkin” if there is a pension payment in an even month, and there will be a deposit from a securities company in an odd month. For example, where it becomes different, such as “Daiwa Show Kenshikin”, the name of the transferor to the second bank account A3 in the above example is “Daiwa Dan Kaiuketori” for implementation settings and customer selection. Correspondingly, the same display is unified every month.

  In this way, two types of funds from the pension receipt account and funds from the investment trust are unified into one total deposit amount and transferred to the account for living funds every month under the consistent transfer source name. Funds can be leveled by eliminating the sense of incongruity, instability, and incomprehension that are transferred with different names and amounts each month, making planned life planning easier.

The functional block diagram which shows the structure of embodiment of this invention. In the embodiment of the present invention, the conceptual diagram which illustrates the contents of the calculation and execution every month including the payment and withdrawal of the shortage amount and the excess amount. The conceptual diagram which shows the fluctuation | variation of the amount of money received when the desired monthly amount is designated by rough calculation in the embodiment of the present invention. The conceptual diagram which shows calculation of the annual amount in embodiment of this invention. The conceptual diagram which shows calculation of the possible desired monthly amount in embodiment of this invention. The conceptual diagram which shows calculation of the period which can receive funds in embodiment of this invention. The figure which illustrates the data input screen for the screen display in embodiment of this invention. The conceptual diagram which shows the state which reaches | attains desired monthly amount by the sum total which added the funds received from financial products with respect to a basic pension and welfare annuity in embodiment of this invention. The figure which shows the example of a screen display in embodiment of this invention. The figure which shows the example of a screen display in embodiment of this invention. The conceptual diagram which shows the calculation and execution based on an applied value in embodiment of this invention. The conceptual diagram which shows the process of the loan in embodiment of this invention. In the embodiment of the present invention, when one of a plurality of financial products has limitation of the time when it can be withdrawn, a conceptual diagram showing a state in which it is financed until then. The conceptual diagram which shows the condition process in embodiment of this invention. The conceptual diagram which shows the other example of the condition process in embodiment of this invention. The conceptual diagram which shows distribution of the shareholder special benefit goods in embodiment of this invention. The conceptual diagram which illustrates cooperation with a bank system in embodiment of this invention. The figure which shows the transitional measure which lowers the payment start age according to the year of birth in the basic pension and the welfare pension.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Investment information processing apparatus 10 ... Investment information reception means 15 ... Investment information storage means 20 ... Annual amount reception means 22 ... Annual amount storage means 25 ... Annual amount calculation means 27 ... Basic data storage means 30 ... Desire reception means 35 ... Hope Monthly amount storage means 40 ... calculation means 45 ... execution means 50 ... simulation means 55 ... application value storage means 60 ... loan processing means 62 ... collateral setting means 64 ... loan execution means 66 ... repayment release means 68 ... loan information storage means 70 and 71 ... condition accepting means 72, 73 ... condition storing means 75 ... condition processing means 80 ... preferential distribution means 85 ... transfer name accepting means 87 ... transfer name storing means 88 ... transfer executing means A ... investment information processing apparatus A1 ... securities account A2 ... First bank account A3 ... Second bank account B ... Bank system (account information processing system)
B1 ... Balance notification means B2 ... Transfer processing means N ... Communication network

Claims (48)

In an investment information processing apparatus comprising a computer that performs information processing related to financial products,
Investment information receiving means for receiving input of investment information for each customer including the investment amount of investment money and the distribution amount of each month for the financial product;
Investment information storage means for storing, for each customer, investment information received by the investment information receiving means by the computer;
The computer accepts input for each customer for the monthly amount for each month;
The computer stores an annual amount of each month received by the annual amount reception unit for each customer; an annual amount storage unit;
The computer accepts designation of a desired monthly amount for each customer;
A desired monthly amount storage means for storing, for each customer, a desired monthly amount received by the desired reception means by the computer;
The computer calculates a deficiency by subtracting the annual amount stored in the annual amount storage means from the desired monthly amount stored in the desired monthly amount storage means for each month for each customer, and the shortage amount is 0 If it is larger, the deficit amount is compared with the distribution amount of the month, and it is determined by calculation that the distribution amount up to the deficit amount will be paid out. If the deficiency amount exceeds the distribution amount, the distribution amount is subtracted from the deficit amount. A calculation means for deciding to withdraw the excess from the investment money by calculation,
An enforcement means for the computer to enforce a determination at the computing means for the customer's financial instrument;
Is realized by the arithmetic control unit of the computer,
As the enforcement means,
In accordance with the calculation result of the calculation means, the computer subtracts the shortage amount from the distribution amount and adds it to the customer's predetermined deposit / withdrawal balance. To pay out the distribution,
For the withdrawal of the investment, the computer subtracts the excess from the investment amount and adds it to the deposit / withdrawal balance, thereby reversing the investment.
An investment information processing apparatus characterized by that. The arithmetic control unit realizes an annual amount calculating means for calculating an annual amount using a calculation formula for calculating an annual amount of each month from predetermined basic data,
The annual amount calculation means is
Accept at least the type of pension, the amount to be calculated, and the enrollment period as basic data that will be the basis of the annual amount for each customer,
The investment information processing apparatus according to claim 1, wherein an annual amount of each month of the customer is calculated from the basic data using the calculation formula and stored in the annual amount storage unit. When the shortage obtained by subtracting the annual amount from the desired amount is less than the distribution amount, the calculation means reinvests the financial product for the balance of the distribution amount obtained by subtracting the shortage from the distribution amount. To decide by calculation,
The execution unit reinvests the reinvestment by setting the remaining amount of the distribution amount obtained by subtracting the deficit amount from the distribution amount to zero and adding to the investment amount. Item 3. The investment information processing apparatus according to Item 1 or 2. The hope receiving means includes a possible monthly amount calculating means for calculating a receivable monthly amount,
The possible monthly calculation means is
Accepting the final designation of how long you want to receive funds,
The investment amount stored in the investment information storage means, and the annual amount of each month stored in the annual amount storage means for the period from the start of pension payment or the start of receipt from financial products to the end of the period, After copying to the specified memory area for trial calculation, in this memory area for trial calculation,
{Search the first annual amount of each month with the least amount at that time and the second annual amount of each month with the next smallest amount, and subtract the first annual amount from the second annual amount. Is added to the first annual amount of each month by subtracting the total amount from the investment amount} and the investment is repeated until the annual amount of all the months is equal or the investment amount is 0 or less. If there is a balance of the amount, divide the balance by the total number of months, add it to each month, and evenly distribute it. Calculate the amount of the month with the least amount of money at that time as the possible desired monthly amount,
4. The investment information according to claim 1, wherein the calculated desired monthly amount is output, a predetermined approval operation is received, and the desired monthly amount is stored in the desired monthly amount storage unit. 5. Processing equipment. The hope accepting means includes a possible period calculating means for calculating a receivable period,
The possible period calculation means is
Accepting the desired monthly fee,
The investment amount stored in the investment information storage means and the annual amount stored in the annual amount storage means for each month from the start of pension payment are copied to a predetermined memory area for calculation. In the memory area for
By repeating the process of calculating the difference obtained by subtracting the annual amount of the month from the desired monthly amount and subtracting the difference from the investment amount in order from the first month until the investment amount becomes 0 or less, a possible period To calculate
5. The calculated possible period is output, a predetermined approval operation is accepted, and the specified desired monthly amount is stored in the desired monthly amount storage means. The investment information processing apparatus described in 1. The hope acceptance means is:
Accepting designation of an assumed distribution amount per investment amount, and adding this estimated distribution amount to the annual amount of each month in the trial calculation memory area, calculating the possible desired monthly amount by the possible monthly amount calculation means, or The investment information processing apparatus according to claim 4, wherein the possible period is calculated by a possible period calculation unit. Application value storage means for storing an application value including at least one of a purchase unit to be applied to the financial product, a base value, a fee rate, a foreign exchange rate, and a trust fee rate;
At least one of the calculation means or the execution means is
While subtracting the trust fee rate at a predetermined timing from the investment amount stored in the investment information storage means,
In the calculation or execution, based on the application value stored in the application value storage means, the purchase or sale of the financial product is rounded up or down to the purchase unit, base price multiplication / division, the fee rate The investment information processing apparatus according to any one of claims 1 to 6, wherein deduction and multiplication / division of the foreign exchange rate are performed for a foreign currency-denominated financial product. The calculation control unit realizes a loan processing means for performing processing related to the loan to the customer with the financial product as collateral,
The loan processing means is
In the loan, as a loan record and collateral settings, (1) the date, the loan amount, the loan balance, and the customer's financial product as collateral are stored in a predetermined loan information storage means, and (2) A collateral setting means for recording, in the investment information stored in the investment information storage means, restriction information indicating that the customer's financial product is collateral;
When the setting of the collateral is completed by the collateral setting means, the loan amount is subtracted from a predetermined account or account item for depositing / withdrawing a predetermined loan entity, and to a predetermined account or account item for depositing / withdrawing a customer Loan execution means for outputting electronic instruction information for adding,
To repay the loan,
While outputting the repayment amount from the predetermined account or account item for depositing / withdrawing the customer, while outputting electronic instruction information for adding to the predetermined account or account item for depositing / withdrawing the predetermined loan entity,
(1) Date, repayment amount, and loan balance are stored in the loan information storage means as cancellation of repayment record and collateral setting. (2) When the loan balance becomes zero, the investment information is stored. Repayment cancellation means for deleting restriction information indicating that the customer's financial product is secured as collateral from the investment information stored in the means;
The investment information processing apparatus according to claim 1, further comprising: The investment information accepting means accepts designation of a specific month in which investment money can not be reversed or paid out for the financial product, and stored in the investment information storage means,
The loan processing means is
For the specific month stored in the investment information storage means, one or the total amount of the shortage and excess calculated by the calculation means is used as a loan amount, and the financial product is used as a collateral to provide loans to customers. As well as
In the first month that is not a specific month after the specific month, in addition to the withdrawal of the investment or distribution of the investment for the current month, the reversal or distribution of the investment for the total amount of the loan amount and interest The investment information processing apparatus according to claim 8, wherein the execution means is made to be executed by the execution means, and the loan is repaid using the amount of the withdrawal or the payment as a repayment amount. A condition accepting means for accepting designation of a variable condition for canceling the withdrawal when the evaluation value of the customer's financial product falls;
Condition storage means for storing the variation condition received by the condition reception means;
Condition processing means for processing the variation condition;
Is realized by the arithmetic control unit,
The condition processing means includes
For a customer's financial product, an evaluation amount is calculated based on the investment amount stored in the investment information storage means and at least one of the reference value and the foreign exchange rate stored in the application value storage means. While calculating at a predetermined cycle, comparing the calculated evaluation amount with the variation condition stored in the condition storage means,
When the comparison confirms that the appraisal value has fallen to the fluctuation condition, the calculation means cancels the withdrawal of the financial product, the excess calculated by the calculation means is used as the loan amount, and the financial product is used as collateral. 10. The investment information processing apparatus according to claim 8 or 9, wherein the loan processing means makes a loan to a customer. A condition accepting means for accepting designation of a variable condition for starting or increasing a withdrawal when the evaluation value of the customer's financial product increases;
Condition storage means for storing the variation condition received by the condition reception means;
Condition processing means for processing the variation condition;
Is realized by the arithmetic control unit,
The condition processing means includes
For a customer's financial product, an evaluation amount is calculated based on the investment amount stored in the investment information storage means and at least one of the reference value and the foreign exchange rate stored in the application value storage means. While calculating at a predetermined cycle, comparing the calculated evaluation amount with the variation condition stored in the condition storage means,
When the comparison confirms that the appraisal value has risen to the fluctuation condition, the calculation means starts or increases the withdrawal of the financial product, and if there is a loan to the customer at that time, the loan amount and the The claim is characterized in that, with respect to all or a part of the interest amount, the investment means is revoked by the execution means, and the loan processing means is made to repay the loan with the amount of the reversal as a repayment amount. Item 11. The investment information processing apparatus according to any one of Items 8 to 10. Condition accepting means for accepting designation of a variable condition of how much the evaluation value rises for the customer's financial product and canceling the reversal;
Condition storage means for storing the variation condition received by the condition reception means;
Condition processing means for processing the variation condition;
Is realized by the arithmetic control unit,
The condition processing means includes
For a customer's financial product, an evaluation amount is calculated based on the investment amount stored in the investment information storage means and at least one of the reference value and the foreign exchange rate stored in the application value storage means. While calculating at a predetermined cycle, comparing the calculated evaluation amount with the variation condition stored in the condition storage means,
When it is confirmed by the comparison that the evaluation amount has risen to the fluctuation condition, the calculation unit cancels the withdrawal of the financial product, the excess calculated by the calculation unit is used as the loan amount, and the financial product is used as collateral. The investment information processing apparatus according to any one of claims 8 to 11, wherein the loan processing means makes a loan to a customer. A condition accepting means for accepting designation of a variable condition for starting or increasing a withdrawal when the evaluation value of the customer's financial product falls;
Condition storage means for storing the variation condition received by the condition reception means;
Condition processing means for processing the variation condition;
Is realized by the arithmetic control unit,
The condition processing means includes
For a customer's financial product, an evaluation amount is calculated based on the investment amount stored in the investment information storage means and at least one of the reference value and the foreign exchange rate stored in the application value storage means. While calculating at a predetermined cycle, comparing the calculated evaluation amount with the variation condition stored in the condition storage means,
If the comparison confirms that the appraisal value has fallen to the fluctuation condition, the calculation means starts or increases the withdrawal of the financial product, and if there is a loan to the customer at that time, the loan amount and the The amount of interest may be reversed by the execution means for all or part of the interest amount, and the loan processing means may be repaid by using the amount of the withdrawal as the repayment amount. The investment information processing apparatus according to any one of 8 to 12. Conditions for accepting the designation of variable conditions to stop or start the reversal of how much the amount of distribution or the investment yield of the customer's financial product falls or rises via the input / output device or communication network Receiving means;
Condition storage means for storing the variation condition received by the condition reception means;
Condition processing means for processing the variation condition;
Is realized by the arithmetic control unit,
The condition processing means includes
For a customer's financial product, the distribution amount is read from the investment information storage means, or the investment amount is calculated by dividing the read distribution amount by the investment amount, and the distribution amount or investment yield is stored in the condition storage means. When the comparison confirms that the distribution amount or investment yield has fallen or increased to the variable condition compared to the variable condition, depending on whether to cancel or start the reversal under the variable condition,
(1) The withdrawal of the financial product is stopped by the calculating means, and the excess calculated by the calculating means is used as a loan amount, and the loan processing means is provided with a loan to the customer with the financial product as collateral. ,
Or
(2) Let the calculation means start the reversal of the financial product, and if there is a loan to the customer at that time, the reversal of the investment money for all or part of the loan amount and interest amount The investment information processing apparatus according to any one of claims 8 to 13, wherein the loan processing means is caused to repay the loan with the withdrawal amount as a repayment amount. . How much the appraisal value of the first financial product specified by the customer out of the plurality of financial products held by the customer is canceled via the input / output device or communication network; A condition accepting unit that accepts designation of a variable condition including an alternative financial product that substitutes for a withdrawal among the plurality of financial products;
Condition storage means for storing the variation condition received by the condition reception means;
Condition processing means for processing the variation condition;
Is realized by the arithmetic control unit,
The condition processing means includes
Evaluating the first financial product based on the investment amount stored in the investment information storage means and at least one of the reference value and the foreign exchange rate stored in the application value storage means The amount is calculated at a predetermined period, and the calculated evaluation amount is compared with the variation condition stored in the condition storage unit,
When the comparison confirms that the evaluation value has fallen to the fluctuation condition, the calculation means cancels the withdrawal of the first financial product, and as an alternative, the replacement financial product defined in the fluctuation condition The investment information processing apparatus according to any one of claims 7 to 14, wherein the calculation means starts the withdrawal. The annual amount receiving means receives the annual amount for each member of the family,
The annual amount storage means, for each member of the family, the annual amount received by the annual amount reception means for each member of the family or the total amount obtained by adding the annual amount calculated by the annual amount calculation means, And storing the annual amount of the household as an annual amount to at least one of the calculating means, the possible monthly amount calculating means, or the possible period calculating means. The investment information processing apparatus according to one item. In an investment information processing method in which a computer performs information processing related to financial products,
An investment information receiving process in which the computer receives an input of investment information for each customer including an investment amount of investment money and a distribution amount of each month for financial products;
A process in which the computer stores the investment information received in the investment information reception process for each customer in a predetermined investment information storage means;
The computer accepts input for each customer for the monthly amount for each month;
An annual amount storage process in which the computer stores an annual amount of each month received in the annual amount reception process in a predetermined annual amount storage means for each customer;
The computer accepts designation of a desired monthly fee for each customer;
A process in which the computer stores the desired monthly amount received in the desired reception process in a predetermined desired monthly amount storage means for each customer;
The computer calculates a deficiency by subtracting the annual amount stored in the annual amount storage means from the desired monthly amount stored in the desired monthly amount storage means for each month for each customer, and the shortage amount is 0 If it is larger, the deficit amount is compared with the distribution amount of the month, and it is determined by calculation that the distribution amount up to the deficit amount will be paid out. If the deficiency amount exceeds the distribution amount, the distribution amount is subtracted from the deficit amount. A calculation process for deciding to withdraw the excess excess from the investment,
An execution process in which the computer executes a determination in the calculation process for the financial product of the customer;
And having
In the execution process,
In accordance with the calculation result of the calculation process, the computer subtracts the deficit amount from the distribution amount and adds it to the customer's predetermined deposit / withdrawal balance. To pay out the distribution,
For the withdrawal of the investment, the computer subtracts the excess from the investment amount and adds it to the deposit / withdrawal balance, thereby reversing the investment.
An investment information processing method characterized by the above. The computer executes an annual amount calculation process for calculating an annual amount using a calculation formula for calculating an annual amount of each month from predetermined basic data,
The annual amount calculation process is
The computer accepts input of at least the type of annuity, the amount to be the basis for calculation, and the enrollment period as basic data that is the basis for the annual amount for each customer;
The computer uses the calculation formula from the basic data to calculate an annual amount for each month of the customer and store it in the annual amount storage means;
The investment information processing method according to claim 17, further comprising: In the calculation process, when the shortage obtained by subtracting the annual amount from the desired amount is less than the distribution amount, the remaining amount of the distribution amount obtained by subtracting the shortage amount from the distribution amount is used as the financial product. Perform a process to determine by recalculation to reinvest in
In the execution process, the computer executes a reinvestment by setting the remaining amount of the distribution amount obtained by subtracting the shortage amount from the distribution amount to zero and adding to the investment amount for the reinvestment. The investment information processing method according to claim 17 or 18, characterized in that: The desired reception process includes a possible monthly amount calculation process in which the computer calculates a receivable monthly amount,
The possible monthly calculation process is as follows:
A process in which the computer accepts an end-of-date designation of how long it wants to receive funds;
The computer stores the investment amount stored in the investment information storage unit and the year of each month stored in the annual amount storage unit for the period from the start of pension payment or the start of receipt of financial products to the end of the period. A process of copying the amount of money to a predetermined memory area for trial calculation;
In the memory area for trial calculation, the computer searches {the first annual amount of each month that is the smallest at that time and the second annual amount of each month that is the next smallest}, and the second annual amount is calculated from the second annual amount. The total amount of differences for each month, subtracting one annual amount, is subtracted from the investment amount and added to the first annual amount for each month}, or the amount of investment for all months is equal Repeat until the value is less than or equal to 0, and if there is a remaining investment amount, divide that amount by the total number of months and add it to each month and distribute it equally. , The process of calculating as the desired monthly amount possible,
The computer outputs the calculated desired monthly amount, accepts a predetermined approval operation, and stores the desired monthly amount in the desired monthly amount storage means;
20. The investment information processing method according to claim 17, further comprising: The desired reception process includes a possible period calculation process in which the computer calculates a receivable period.
The possible period calculation process is
A process in which the computer receives designation of a desired monthly fee;
The computer copies the investment amount stored in the investment information storage means and the annual amount stored in the annual amount storage means for each month from the start of pension payment to a predetermined memory area for trial calculation. Processing,
In the calculation memory area, the computer calculates a difference obtained by subtracting the yearly amount of the month from the desired monthly amount in order from the first month, and subtracts the difference from the investment amount. By repeating until it becomes below, processing to calculate the possible period,
A process in which the computer outputs the calculated possible period, accepts a predetermined approval operation, and stores the specified desired monthly amount in the desired monthly amount storage means;
The investment information processing method according to any one of claims 17 to 20, wherein In the desired reception process, the computer
Accepting designation of an assumed distribution amount per investment amount, adding this estimated distribution amount to the annual amount of each month in the trial calculation memory area, and calculating the possible desired monthly amount in the possible monthly amount calculation process, or The investment information processing method according to claim 20 or 21, wherein the possible period is calculated by a possible period calculation process. The computer has application value storage means for storing an application value including at least one of a purchase unit to be applied to the financial product, a base price, a fee rate, a foreign exchange rate, and a trust fee rate,
In the computer, at least one of the calculation process and the execution process,
While subtracting the trust fee rate at a predetermined timing from the investment amount stored in the investment information storage means,
In the calculation or execution, based on the application value stored in the application value storage means, the purchase or sale of the financial product is rounded up or down to the purchase unit, base price multiplication / division, the fee rate 23. The investment information processing method according to any one of claims 17 to 22, wherein deduction and multiplication / division of the foreign exchange rate are executed for a foreign currency denominated financial product. The computer executes a loan process for performing a process related to a loan to a customer with a financial product as collateral,
The loan process includes a collateral setting process and a loan execution process for loan, and a repayment release process for repayment of the loan,
In the collateral setting process, the computer stores (1) a date, a loan amount, a loan balance, and a customer's financial product as collateral in a predetermined loan information storage unit as a loan record and collateral setting. And (2) recording, in the investment information stored in the investment information storage means, restriction information indicating that the customer's financial product is collateral,
In the loan execution process, when the computer completes the setting of the collateral in the collateral setting process, the loan amount is subtracted from a predetermined account or account item for depositing and withdrawing a predetermined loan entity, and the customer Output electronic instruction information for adding to a predetermined account or account item for depositing and withdrawing,
In the repayment cancellation process,
Electronic instruction information for causing the computer to subtract the repayment amount from a predetermined account or account item for depositing / withdrawing a customer while adding to a predetermined account or account item for depositing / withdrawing a predetermined loan entity Processing to output,
When the computer stores (1) the date, the repayment amount, and the loan balance in the loan information storage means as release of the repayment record and collateral setting, and (2) when the loan balance becomes zero, The investment according to any one of claims 17 to 23, wherein restriction information indicating that the customer's financial product is secured is deleted from the investment information stored in the investment information storage means. Information processing method. In the investment information receiving process, the computer receives a designation of a specific month in which investment money can not be reversed or paid out for the financial product, and stored in the investment information storage means,
In the loan processing means,
For the specific month stored in the investment information storage means, the computer uses one or a total of the shortage and excess calculated in the calculation process as a loan amount, and the financial product as collateral, While lending to customers by executing loan processing,
In the first month that is not a specific month after the specific month, the computer calculates the amount of the investment money for the total amount of the loan amount and the interest amount in addition to the withdrawal of the investment amount or the distribution of the distribution amount for the current month. 25. The investment according to claim 24, wherein withdrawal or distribution is paid out in the execution process, and the loan is repaid by executing the repayment release process with the amount of the withdrawal or withdrawal as a repayment amount. Information processing method. A condition receiving process in which the computer accepts designation of a variable condition for canceling the withdrawal when the evaluation value drops for the customer's financial product; and
A process in which the computer stores the fluctuation condition received in the condition reception process in a predetermined condition storage unit;
Condition processing in which the computer processes the variation condition;
Have
In the condition processing,
For the financial product of the customer, the computer is based on the investment amount stored in the investment information storage means and at least one of the reference value and the foreign exchange rate stored in the application value storage means. And calculating the evaluation amount at a predetermined cycle, comparing the calculated evaluation amount with the variation condition stored in the condition storage means,
When the computer confirms that the evaluation value has fallen to the fluctuation condition by the comparison, the withdrawal of the financial product is stopped by the calculation process, and the excess calculated by the calculation process is set as the loan amount, 26. The investment information processing method according to claim 24 or 25, wherein the loan is provided to the customer by using the loan processing with the product as collateral. A condition acceptance process in which the computer accepts designation of a variable condition for starting or increasing a withdrawal when an evaluation amount increases for a customer's financial product;
A process in which the computer stores the fluctuation condition received in the condition reception process in a predetermined condition storage unit;
Condition processing in which the computer processes the variation condition;
Have
In the condition processing,
For the financial product of the customer, the computer is based on the investment amount stored in the investment information storage means and at least one of the reference value and the foreign exchange rate stored in the application value storage means. And calculating the evaluation amount at a predetermined cycle, comparing the calculated evaluation amount with the variation condition stored in the condition storage means,
When the computer confirms that the valuation amount has risen to the fluctuating condition by the comparison, it starts or increases the withdrawal of the financial product by the calculation process, and if there is a loan to the customer at that time, With respect to all or a part of the loan amount and the interest amount, the investment money is canceled by the execution process, and the loan is repaid by the loan process with the amount of the cancellation as the repayment amount. The investment information processing method according to any one of claims 24 to 26. A condition acceptance process for accepting designation of a variable condition for the computer to cancel the withdrawal when the evaluation value rises for the customer's financial product;
A process in which the computer stores the fluctuation condition received in the condition reception process in a predetermined condition storage unit;
Condition processing in which the computer processes the variation condition;
Have
In the condition processing,
For the financial product of the customer, the computer is based on the investment amount stored in the investment information storage means and at least one of the reference value and the foreign exchange rate stored in the application value storage means. And calculating the evaluation amount at a predetermined cycle, comparing the calculated evaluation amount with the variation condition stored in the condition storage means,
When the computer confirms that the valuation amount has risen to the fluctuation condition by the comparison, the withdrawal of the financial product is stopped in the calculation process, and the excess calculated in the calculation process is used as the loan amount, and the financial amount 28. The investment information processing method according to any one of claims 24 to 27, wherein a loan is provided to a customer by the loan process using a product as collateral. A condition receiving process for accepting designation of a variable condition for starting or increasing a withdrawal when the evaluation amount of the customer's financial product is reduced;
A process in which the computer stores the fluctuation condition received in the condition reception process in a predetermined condition storage unit;
Condition processing in which the computer processes the variation condition;
Have
In the condition processing,
For the financial product of the customer, the computer is based on the investment amount stored in the investment information storage means and at least one of the reference value and the foreign exchange rate stored in the application value storage means. And calculating the evaluation amount at a predetermined cycle, comparing the calculated evaluation amount with the variation condition stored in the condition storage means,
When the computer confirms that the valuation amount has fallen to the fluctuating condition by the comparison, it starts or increases the withdrawal of the financial product in the calculation process, and if there is a loan to the customer at that time, The investment amount is also withdrawn in the execution process for all or a part of the loan amount and the interest amount, and the loan is repaid by the loan process with the amount of the withdrawal as the repayment amount. Item 29. The investment information processing method according to any one of Items 24 to 28. A variable condition of whether to cancel or start the reversal when the computer falls or rises in terms of the distribution amount and / or the investment yield of the customer's financial product via the input / output device or the communication network. Condition acceptance process for accepting designation,
A process in which the computer stores in a predetermined condition storage means the variation condition received in the condition reception process;
Condition processing in which the computer processes the variation condition;
Have
In the condition processing,
The computer reads the distribution amount from the investment information storage means for the customer's financial product, calculates the investment yield by dividing the distribution amount by the investment amount, and calculates the distribution amount or investment yield as the condition storage means. When the comparison confirms that the distribution amount or investment yield has fallen or increased to the variable condition compared to the variable condition stored in the above, whether to cancel or start the reversal under the variable condition According to
(1) The withdrawal of the financial product is canceled in the calculation process, the excess calculated in the calculation process is used as a loan amount, the financial product is used as collateral, and the customer is financed by the loan process.
Or
(2) Start the reversal of the financial product in the calculation process, and if there is a loan to the customer at that time, the reversal of the investment money for all or part of the loan amount and interest amount 30. The investment information processing method according to any one of claims 24 to 29, wherein the loan is repaid by the loan processing using the execution amount as a repayment amount. The computer cancels reversal when the appraisal value drops for the first financial product designated by the customer among the plurality of financial products held by the customer via the input / output device or the communication network. Or a condition acceptance process for accepting designation of a variable condition including an alternative financial product that substitutes for reversal among the plurality of financial products;
A process in which the computer stores a variation condition received in the condition reception process in a predetermined condition storage unit;
Condition processing in which the computer processes the variation condition;
Have
In the condition processing,
For the first financial product, the computer stores the investment amount stored in the investment information storage means, and at least one of the reference value and the foreign exchange rate stored in the application value storage means, And calculating the evaluation amount in a predetermined cycle, comparing the calculated evaluation amount with the variation condition stored in the condition storage means,
When the computer confirms by the comparison that the valuation amount has fallen to the fluctuation condition, the computer cancels the reversal of the first financial product in the calculation process, and as an alternative, the variable condition is determined by the fluctuation condition. The investment information processing method according to any one of claims 23 to 30, wherein the withdrawal of the alternative financial product is started in the calculation process. In the annual amount acceptance process, the computer accepts the annual amount for each member of the family,
In the annual amount storage process, the computer calculates, for each month, a total amount obtained by adding an annual amount received in the annual amount reception process or an annual amount calculated in the annual amount calculation process for each member of the family. As the annual amount of the household, it is stored in the annual amount storage means,
The computer reads out the annual amount of the household stored in the annual amount storage means as an annual amount in at least one of the calculation process, the possible monthly amount calculation process, and the possible period calculation process. The investment information processing method according to any one of claims 17 to 31. In an investment information processing program that performs information processing related to financial products by controlling a computer,
The program is
By controlling the computer, for financial products, to execute investment information reception processing for receiving input for investment information for each customer including the investment amount of investment money and the distribution amount of each month,
By controlling the computer, for each customer, the investment information received in the investment information reception process is executed in a predetermined investment information storage means, and an annual amount storage process is executed.
By controlling the computer, for each customer, to execute an annual amount acceptance process for accepting input for the annual amount of each month,
By controlling the computer, the annual amount received in the annual amount reception process is stored in a predetermined annual amount storage means for each customer,
By controlling the computer, a desired acceptance process for accepting designation of a desired monthly amount for each customer is executed,
By controlling the computer, the desired monthly amount received in the desired reception process is stored for each customer in a predetermined desired monthly amount storage means,
By controlling the computer, for each month for each customer, calculate the shortage by subtracting the annual amount stored in the annual amount storage means from the desired monthly amount stored in the desired monthly amount storage means, If the deficit amount is greater than 0, the deficit amount is compared with the distribution amount for the month, and it is determined by calculation that the distribution amount up to the deficit amount is to be paid out. The calculation process is performed to determine, by calculation, that the excess amount obtained by reducing the distribution amount is withdrawn from the investment money,
By controlling the computer, the execution process for executing the determination in the calculation process for the financial product of the customer is executed,
In the execution process,
By controlling the computer, according to the calculation result of the calculation process, the payout of the distribution amount up to the shortage amount is subtracted from the distribution amount and the customer's predetermined deposit / withdrawal balance By adding to, the distribution is paid out,
By controlling the computer, for the withdrawal of the investment, the excess is subtracted from the investment amount and added to the deposit / withdrawal balance to cause the withdrawal of the investment.
An investment information processing program. Causing the computer to execute an annual amount calculation process for calculating an annual amount using a calculation formula for calculating an annual amount for each month from predetermined basic data;
In the annual amount calculation process,
By controlling the computer, it is allowed to accept at least the type of pension, the amount of calculation basis, and the participation period as basic data that is the basis of the annual amount for each customer,
34. The investment according to claim 33, wherein by controlling the computer, an annual amount of each month of the customer is calculated from the basic data using the calculation formula and stored in the annual amount storage means. Information processing program. When the shortage amount obtained by subtracting the annual amount from the desired amount is less than the distribution amount by controlling the computer in the calculation process, the remaining amount of the distribution amount obtained by subtracting the shortage amount from the distribution amount , By calculating reinvestment in the financial product,
By controlling the computer in the execution process, the reinvestment is made zero by adding the remaining amount of the distribution amount obtained by subtracting the deficit amount from the distribution amount and adding the investment amount to the investment amount. The investment information processing program according to claim 33 or 34, wherein the investment information processing program is executed. In the desired acceptance process, by controlling the computer, a possible monthly amount calculation process for calculating a receivable monthly amount is executed,
In the possible monthly calculation process,
By controlling the computer, it is possible to accept the end designation of how long you want to receive funds,
By controlling the computer, the investment amount stored in the investment information storage unit and the period from the start of pension payment or the start of receipt of financial products to the end of the period are stored in the annual amount storage unit Copy the monthly amount of each month to the predetermined memory area for trial calculation,
By controlling the computer, in the memory area for trial calculation, {the first annual amount of each month that is the smallest at that time and the second annual amount of each month that is the next smallest are retrieved, and the second year The total amount of the difference of each month obtained by subtracting the first annual amount from the amount is subtracted from the investment amount and added to the first annual amount of each month}. It is repeated until the investment amount becomes 0 or less, and if there is a remaining investment amount, the remaining amount is divided by the total number of months and added to each month, and the amount is evenly distributed. Calculate the monthly amount as the desired monthly amount,
36. The calculated monthly desired amount is output by controlling the computer, a predetermined approval operation is accepted, and the desired monthly amount is stored in the desired monthly amount storage means. The investment information processing program according to any one of the above. In the desired reception process, by controlling the computer, a possible period calculation process for calculating a receivable period is executed,
In the possible period calculation process,
By controlling the computer, you can accept the designation of the desired monthly amount,
By controlling the computer, an investment amount stored in the investment information storage means, and an annual amount stored in the annual amount storage means for each month from the start of pension payment, a predetermined trial calculation memory Copy it to the area,
By controlling the computer, in the trial calculation memory area, in order from the first month, calculating a difference obtained by subtracting the monthly amount of the month from the desired monthly amount, and subtracting the difference from the investment amount, By repeating until the investment amount is less than or equal to 0, the possible period is calculated,
The computer is controlled so that the calculated possible period is output, a predetermined approval operation is accepted, and the designated monthly desired amount is stored in the desired monthly amount storage means. Item 37. The investment information processing program according to any one of Items 33 to 36. In the request acceptance process,
By controlling the computer, the designation of the estimated distribution amount per investment amount is accepted, and the estimated distribution amount is added to the annual amount of each month in the trial calculation memory area, and the possible monthly amount calculation process 38. The investment information processing program according to claim 36 or 37, wherein a possible desired monthly amount is calculated, or the possible period is calculated by the possible period calculation process. The computer has application value storage means for storing an application value including at least one of a purchase unit to be applied to the financial product, a base price, a fee rate, a foreign exchange rate, and a trust fee rate,
In at least one of the calculation process or the execution process,
By controlling the computer, the trust fee rate is subtracted at a predetermined timing from the investment amount stored in the investment information storage means,
By controlling the computer, in the calculation or execution, based on the application value stored in the application value storage means, the purchase or sale of the financial product is rounded up or down to the purchase unit. 39. Investment information according to any one of claims 33 to 38, characterized in that execution of value multiplication, deduction of the commission rate, and, in the case of a foreign currency-denominated financial product, multiplication / division of the foreign exchange rate. Processing program. By controlling the computer, the loan processing related to the loan to the customer is executed with the financial product as collateral,
The loan process includes a collateral setting process and a loan execution process for loan, and a repayment release process for repayment of the loan,
In the collateral setting process, by controlling the computer, as a loan record and collateral setting, (1) a date, a loan amount, a loan balance, and a customer's financial product to be collateral are given loan information. And (2) recording the restriction information indicating that the customer's financial product is secured as collateral in the investment information stored in the investment information storage means,
In the loan execution process, by controlling the computer, when the setting of the collateral is completed in the collateral setting process, the loan amount is subtracted from a predetermined account or account item for depositing / withdrawing a predetermined loan entity And output electronic instruction information for adding to a predetermined account or account item for depositing and withdrawing customers.
In the repayment cancellation process,
By controlling the computer, the repayment amount is subtracted from a predetermined account or account item for depositing / withdrawing a customer, while being added to a predetermined account or account item for depositing / withdrawing a predetermined loan entity. Output electronic instruction information,
By controlling the computer, (1) the date, the repayment amount, and the loan balance are stored in the loan information storage means as cancellation of the repayment record and collateral setting, and (2) the loan balance becomes zero. 40. The restriction information indicating that the customer's financial product is secured as collateral is deleted from the investment information stored in the investment information storage means. Investment information processing program described in 1. In the investment information acceptance process, by controlling the computer, the financial product is allowed to accept designation of a specific month in which investment money can not be reversed or distributed, and stored in the investment information storage means,
In the loan processing means,
By controlling the computer, for the specific month stored in the investment information storage means, one or the total of the shortage and excess calculated in the calculation process is used as a loan amount, and the financial product is As collateral, the loan process is executed to make a loan to the customer,
By controlling the computer, in the first month that is not a specific month after the specific month, in addition to the withdrawal of the investment amount or the distribution of the distribution amount for the current month, the total amount of the loan amount and the interest amount thereof, 41. The reversal of the investment money or the distribution of the distribution money is performed by the execution processing, and the loan is repaid by the repayment cancellation processing using the amount of the reversal or payment as a repayment amount. Investment information processing program. By controlling the computer, for the customer's financial product, to accept the designation of the variable condition of how much to cancel the withdrawal when the evaluation amount falls, to execute a condition reception process,
By controlling the computer, the variable condition received in the condition receiving process is stored in a predetermined condition storage means,
By controlling the computer, condition processing for processing the variation condition is executed,
In the condition processing,
By controlling the computer, for the financial product of the customer, at least one of the investment amount stored in the investment information storage means, the reference value stored in the application value storage means, and the foreign exchange rate And calculating the evaluation amount based on a predetermined cycle, and comparing the calculated evaluation amount with the variation condition stored in the condition storage unit,
When the computer confirms that the appraisal value has fallen to the fluctuating condition by controlling the computer, the reversal of the financial product is stopped in the calculation process, and the excess calculated in the calculation process is used as the loan amount. 42. The investment information processing program according to claim 40 or 41, wherein a loan to a customer is made by the loan process using the financial product as collateral. By controlling the computer, for a customer's financial product, accepting the designation of a variable condition for starting or increasing the reversal when the evaluation amount rises, causing a condition reception process to be executed,
By controlling the computer, the variable condition received in the condition receiving process is stored in a predetermined condition storage means,
By controlling the computer, condition processing for processing the variation condition is executed,
In the condition processing,
By controlling the computer, for the financial product of the customer, at least one of the investment amount stored in the investment information storage means, the reference value stored in the application value storage means, and the foreign exchange rate And calculating the evaluation amount based on a predetermined cycle, and comparing the calculated evaluation amount with the variation condition stored in the condition storage unit,
When the computer confirms that the evaluation value has risen to the fluctuating condition by controlling the computer, the reversal of the financial product is started or increased in the calculation process, and there is a loan to the customer at that time In such a case, the investment amount is also withdrawn by the execution process for all or part of the loan amount and the interest amount, and the loan is repaid by the loan process with the amount of the reversal as the repayment amount. 43. The investment information processing program according to any one of claims 40 to 42, wherein: By controlling the computer, for the customer's financial product, accepting the designation of the variable condition of how to cancel the withdrawal when the evaluation amount rises, to execute a condition reception process,
By controlling the computer, the variable condition received in the condition receiving process is stored in a predetermined condition storage means,
By controlling the computer, the variable condition is processed, condition processing is executed,
In the condition processing,
By controlling the computer, for the financial product of the customer, at least one of the investment amount stored in the investment information storage means, the reference value stored in the application value storage means, and the foreign exchange rate And calculating the evaluation amount based on a predetermined cycle, and comparing the calculated evaluation amount with the variation condition stored in the condition storage unit,
When the comparison confirms that the evaluation amount has risen to the fluctuation condition by controlling the computer, the withdrawal of the financial product is stopped in the calculation process, and the excess amount calculated in the calculation process is calculated as the loan amount. 44. The investment information processing program according to any one of claims 40 to 43, wherein a loan is provided to a customer by the loan process using the financial product as collateral. By accepting the designation of the variable condition for starting or increasing the withdrawal when the evaluation value drops for the customer's financial product by controlling the computer, a condition reception process,
By controlling the computer, the variable condition received in the condition receiving process is stored in a predetermined condition storage means,
By controlling the computer, condition processing for processing the variation condition is executed,
In the condition processing,
By controlling the computer, for the financial product of the customer, at least one of the investment amount stored in the investment information storage means, the reference value stored in the application value storage means, and the foreign exchange rate And calculating the evaluation amount based on a predetermined cycle, and comparing the calculated evaluation amount with the variation condition stored in the condition storage unit,
When the comparison confirms that the evaluation value has fallen to the fluctuation condition by controlling the computer, the reversal of the financial product is started or increased in the calculation process, and there is a loan to the customer at that time In the case, the investment amount is also withdrawn in the execution process for all or part of the loan amount and the interest amount, and the loan processing is performed with the loan amount being used as the repayment amount. 45. The investment information processing program according to any one of claims 40 to 44, wherein: By controlling the computer, how much the distribution amount or the investment yield of the customer's financial product falls or rises via the input / output device or communication network, and the withdrawal is stopped or started To accept the specification of the fluctuation condition of the
By controlling the computer, the variable condition received in the condition receiving process is stored in a predetermined condition storage means,
By controlling the computer, condition processing for processing the variation condition is executed,
In the condition processing,
By controlling the computer, the distribution amount of the customer's financial product is read from the investment information storage means or the distribution amount obtained by dividing the distribution amount is calculated by dividing the investment amount, and the distribution amount or the investment yield is calculated. When the comparison is made with the variable condition stored in the condition storage means, and it is confirmed by the comparison that the distribution amount or the investment yield has fallen or increased to the variable condition, the cancellation is canceled or started under the variable condition Depending on whether you want to
(1) The withdrawal of the financial product is canceled in the calculation process, the excess calculated in the calculation process is used as a loan amount, the financial product is used as a collateral, and a loan is made to the customer by the loan process,
Or
(2) Start the reversal of the financial product in the calculation process, and if there is a loan to the customer at that time, the reversal of the investment money for all or part of the loan amount and interest amount 46. The investment information processing program according to any one of claims 40 to 45, wherein the loan is repaid by the loan processing using the withdrawal amount as a repayment amount. By controlling the computer, when the appraisal value drops for the first financial product designated by the customer among the plurality of financial products held by the customer via the input / output device or the communication network Canceling the reversal, and executing a condition acceptance process that accepts designation of a variable condition including an alternative financial product that replaces the reversal among the plurality of financial products,
By controlling the computer, the variable condition received in the condition receiving process is stored in a predetermined condition storage means,
By controlling the computer, condition processing for processing the variation condition is executed,
In the condition processing,
By controlling the computer, for the first financial product, the investment amount stored in the investment information storage means, the reference value and the foreign exchange rate stored in the application value storage means Based on at least one of them, an evaluation amount is calculated at a predetermined cycle, and the calculated evaluation amount is compared with a variation condition stored in the condition storage unit,
When the comparison confirms that the valuation amount has fallen to the fluctuation condition by controlling the computer, the reversal of the first financial product is stopped in the calculation process, and as an alternative, it is determined by the fluctuation condition. 47. The investment information processing program according to any one of claims 39 to 46, wherein reversal of the alternative financial product being started is started in the calculation process. In the annual amount acceptance process, by controlling the computer, the annual amount is accepted for each member of the family,
In the annual amount storing process, by controlling the computer, the annual amount received in the annual amount receiving process for each member of the family or the annual amount calculated in the annual amount calculating process is added for each month. The total amount is stored as the annual amount of the household in the annual amount storage means,
By controlling the computer, the annual amount of the household stored in the annual amount storage means is read out as an annual amount in at least one of the calculation process, the possible monthly amount calculation process, and the possible period calculation process. The investment information processing program according to any one of claims 33 to 47, wherein:

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