JP2009087089A - Securities server, bank server, securities transaction system, and processing methods and programs thereof - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To reduce the burden of a client related to a fund transfer between accounts in securities intermediation transactions. <P>SOLUTION: A securities server 400 calculates an approximate purchase-agreed amount of a stock included in securities purchase order information and transmits information on a restricted amount of bank money including the approximate purchase-agreed amount to a bank server 300, when receiving the securities purchase order information from a client terminal 200. The bank server 300 transfers the approximate purchase-agreed amount included in the information on the restricted amount of bank money to a special bank account of a client from the bank account of the client. The securities server 400 calculates an adjustment amount for adjusting the value of the approximate purchase-agreed amount and transmits funds transfer information including the adjustment amount to the bank server 300, when acquiring a settled purchase amount. The bank server 300 transfers funds by the adjustment amount included in the funds transfer information between the bank account of the client and the special bank account and then transfers the deposit balance in the special bank account of the client to the bank account of a securities company. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a securities server, and more particularly, to a securities server, a bank server, a securities trading system, a processing method in these, and a program for causing a computer to execute the method.

  In recent years, network technologies such as the Internet have improved, and it has become possible to communicate each information at high speed, and the reliability of this communication has been improved. For this reason, for example, an online service that connects a personal computer (personal computer) at home and a transaction system via the Internet and can make transactions from the personal computer at home has become widespread.

  In addition, online transactions through various networks are also available for various deposits, investment trusts, stocks, bonds, insurance and other transactions (so-called financial product transactions) provided or brokered by financial institutions such as banks, securities companies, and insurance companies. Is widely practiced. For example, an online securities trading service is widely available, in which a home personal computer and a securities trading system of a securities company are connected via the Internet, and securities can be traded from the home personal computer.

  In addition, the relaxation of regulations such as the securities brokerage system introduced in recent years enables each financial institution to handle various financial products that cross the boundaries of each industry. For this reason, various services are being considered together with online trading.

For example, a bank system and a securities company system are connected by a dedicated line, and the bank system and customer terminal are connected via the Internet, and the customer terminal logs in to the bank online system. When a securities transaction is selected, a brokerage system has been proposed in which a customer terminal auto-login to a brokerage company's online system and the brokerage company's brokerage transaction is performed on the brokerage company's online system (for example, a patent). Reference 1).
Japanese Patent Laying-Open No. 2006-127712 (FIG. 1)

  According to the above-described conventional technology, it is possible to perform a securities transaction on a securities company system via a bank system and perform settlement using a bank settlement account. In addition, securities account information can be referred to along with various bank account information on the bank's online system. Furthermore, account transfer from a securities account to a bank account can be performed on the bank's online system via a securities transaction brokerage function.

  However, in the above-described conventional technology, when securities brokerage securities are traded on the brokerage company's online system, if it is necessary to perform account transfer, the bank's online system returns to the account list screen. After referring to, it is necessary to perform an account transfer operation on another operation screen. In addition, since securities are bought and sold using the funds of the securities account established by the securities company, the customer confirms the balance of the securities account from time to time when purchasing securities, and from the customer's bank account to the securities account. It is necessary to transfer funds as necessary. For this reason, when securities trading is performed on the online system of a securities company, it is possible to smoothly conduct securities trading without the customer checking the balance of the securities account when purchasing securities. It becomes important.

  Therefore, an object of the present invention is to reduce the burden on customers related to the transfer of funds between accounts in securities brokerage transactions.

  The present invention has been made to solve the above-mentioned problems, and a first aspect of the present invention is to provide bank account information including bank balance information including bank balances of bank customers of bank customers and bank accounts of securities companies. Bank account information storage means for storing in association with an account number, and information on another bank account that is a bank account of the customer that is different from the bank account, and is associated with the bank account number including bank balance information. A securities server that can be connected to a bank server having a separate bank account information storage means for storing the customer information and a customer terminal used for the customer, and performs a securities transaction with the customer terminal, the order quantity and the brand Securities purchase order information receiving means for receiving securities purchase order information from the customer terminal, and obtaining stock price information when the securities purchase order information is received Stock price information acquisition means, and an estimated purchase contract amount of the stock included in the received securities purchase order information based on the order quantity included in the received securities purchase order information and the acquired stock price information. Approximate purchase contract amount calculation means to calculate, and information for moving the calculated approximate purchase contract amount from the customer's bank account to the customer's separate bank account, the calculated approximate purchase contract A bank bond information transmitting means for transmitting bank bond information including an amount to the bank server, and a final purchase price that is a fixed purchase price for a stock included in the received securities purchase order information. A fixed purchase amount acquisition means for acquiring the purchase price and an adjustment amount for adjusting the value of the approximate purchase contract amount transferred from the customer's bank account to the customer's separate bank account. Money And an adjustment amount calculation means for calculating based on the calculated approximate purchase contract amount, and after transferring funds by the value of the adjustment amount between the customer's bank account and the customer's separate bank account, Fund transfer information transmitting means for transmitting to the bank server fund transfer information that is information for transferring a deposit balance in another bank account to the bank account of the securities company and includes the adjustment amount. And a processing method thereof, and a program for causing a computer to execute the method. As a result, based on the order quantity included in the received securities purchase order information and the acquired stock price information, an approximate purchase contract amount of the stock is calculated, and the calculated approximate purchase contract amount is calculated by the customer. Sending the bank bond information to be transferred from the bank account to another bank account to the bank server and obtaining the final purchase price, which is the final purchase price for the issue, from the customer's bank account to the other bank account Calculate the adjustment amount to adjust the value of the approximate purchase contract amount transferred, move funds by the adjustment amount value between the customer's bank account and another bank account, and then deposit in the customer's other bank account This has the effect of transmitting fund transfer information for transferring the balance to the bank account of the securities company to the bank server.

  Further, in this first aspect, the bank restraint information transmitted from the securities server or the bank binding information transmitted from the securities server to the bank account of the customer, the bank account of the customer, and the bank account of the securities company Securities customer management information storage means for storing securities customer management information, which is information including status information indicating whether or not an automatic fund transfer status to be executed by the fund transfer information is set, and which is information relating to a customer of the securities company , Setting operation information transmitting means for transmitting setting operation information for setting the automatic fund transfer status in the customer terminal to the customer terminal, and automatic fund transfer status setting information for setting the automatic fund transfer status Automatic fund transfer status setting information receiving means received from the customer terminal, and the automatic fund transfer status setting Information when it is received can further comprise a recording control means for recording the status information indicating that the automatic funds transfer status to the securities customer management information storage means is set. As a result, when the automatic fund transfer status setting information is received from the customer terminal, the status information indicating that the automatic fund transfer status is set is recorded in the securities customer management information storage means.

  In the first aspect, when the automatic fund transfer status setting information is received, the predetermined funds relating to the ownership of the customer in the bank account of the securities company are transferred to the bank account of the customer. The information processing apparatus may further include setting information transmitting means for transmitting setting information, which is information, to the bank server. As a result, when the automatic fund transfer status setting information is received, the setting information for transferring the predetermined funds related to the ownership of the customer in the bank account of the securities company to the bank account of the customer is transmitted to the bank server. Bring.

  The second aspect of the present invention is a securities purchase order information receiving means for receiving securities purchase order information including an order quantity and a brand from a customer terminal, and a stock price when the securities purchase order information is received. Stock price information acquisition means for acquiring information, an order quantity included in the received securities purchase order information and an approximate purchase of a brand included in the received securities purchase order information based on the acquired stock price information Approximate purchase contract amount calculation means for calculating a contract amount, and information for transferring the calculated approximate purchase contract amount from a bank account of a bank customer to a separate bank account of the customer. A bank bond information transmitting means for transmitting bank bond information including the approximate purchase contract amount to the bank server, and a purchase price fixed for the stock included in the received securities purchase order information. A fixed purchase amount acquisition means for acquiring a fixed purchase amount; and the adjustment amount for adjusting the value of the approximate purchase contract amount transferred from the customer's bank account to the customer's separate bank account. An adjustment amount calculating means for calculating based on the final purchase amount and the calculated approximate purchase contract amount, and transferring the funds between the bank account of the customer and another bank account of the customer by the value of the adjustment amount. Funds transfer information transmitting means for transmitting, to the bank server, funds transfer information including the adjustment amount, which is information for transferring the deposit balance in the bank account of the customer to the bank account of the securities company of the bank after A bank server that is connectable to the customer terminal and performs bank transactions with the customer terminal, the bank account of the customer of the bank and the securities company Bank account information storage means for storing bank account information including bank balance information in association with a bank account number and information on a bank account and information on another bank account that is a bank account of the customer different from the bank account. A separate bank account information storage means for storing the bank account information including the deposit balance in association with the bank account number, and an approximate purchase included in the bank bond information when the bank bond information is received. A contract amount is transferred from the customer's bank account to the customer's separate bank account, and when the funds transfer information is received, the funds transfer information is included between the customer's bank account and the customer's separate bank account. And a control means for moving the deposit balance in the separate bank account of the customer to the bank account of the securities company after transferring the funds by the adjustment amount value A bank server, a processing method thereof, and a program for causing a computer to execute the method. As a result, when the bank bond information is received, the approximate purchase contract amount included in the bank bond information is transferred from the customer's bank account to another bank account, and the funds transfer information is received. Moves the funds by the adjustment amount included in the funds transfer information between the customer's bank account and another bank account, and then moves the deposit balance in the customer's separate bank account to the securities company's bank account. Bring.

  According to a third aspect of the present invention, in the securities transaction system in which a customer terminal, a bank server, and a securities server are connected to each other, and a securities transaction is performed between the customer terminal and the securities server, the bank server includes: Bank account information storage means for storing bank account information including bank account information including bank account information and bank account information of bank customers and bank accounts of brokerage firms, and the customer account different from the bank account The bank account information storage means for storing the bank account information, which is information related to the bank account, which is a bank account and includes a deposit balance, in association with the bank account number, and the bank account in response to a request from the securities server The funds in the bank account stored in the information storage means and the funds in the separate bank account stored in the separate bank account information storage means are mutually A securities purchase order information receiving means for receiving securities purchase order information including order quantities and brands from the customer terminal, and the securities purchase order information is received. Stock price information acquisition means for acquiring stock price information at the time, and the order quantity included in the received securities purchase order information and the brand included in the received securities purchase order information based on the acquired stock price information An approximate purchase contract amount calculation means for calculating the approximate purchase contract amount of the information, and information for moving the calculated approximate purchase contract amount from the customer's bank account to the customer's separate bank account, A bank bond information transmitting means for transmitting bank bond information including the calculated approximate purchase contract amount to the bank server, and a brand included in the received securities purchase order information. A final purchase price acquisition means for acquiring a final purchase price, which is a final purchase price, and a value of the approximate purchase contract price transferred from the customer's bank account to the customer's separate bank account Adjustment amount calculating means for calculating an adjustment amount for the customer based on the acquired final purchase amount and the calculated approximate purchase contract amount, and the adjustment between the bank account of the customer and the separate bank account of the customer After the funds are transferred by the amount of money, information for transferring the deposit balance in the separate bank account of the customer to the bank account of the securities company and including the adjustment amount is transmitted to the bank server. Fund transfer information transmission means, and when the bank binding information is received, the control means sends a rough purchase contract amount included in the bank binding information from the bank account of the customer. When the funds transfer information is received, the funds are transferred between the customer's bank account and the customer's separate bank account by the adjustment amount included in the funds transfer information. A securities trading system, a processing method thereof, and a program for causing a computer to execute the method, wherein a deposit balance in a separate bank account of the customer is moved to the bank account of the securities company. As a result, the securities server calculates an approximate purchase contract amount of the stock based on the order quantity and the acquired stock price information included in the received securities purchase order information, and calculates the calculated approximate purchase contract. The bank restraint information that transfers the amount from the customer's bank account to another bank account is sent to the bank server, and the bank server sends the approximate purchase contract amount included in the bank restraint information from the customer's bank account to the other bank account. When the securities server obtains the final purchase price, which is the final purchase price for the stock, it adjusts the value of the approximate purchase contract amount transferred from the customer's bank account to another bank account. After calculating the adjustment amount to transfer the funds between the customer's bank account and another bank account by the value of the adjustment amount, the deposit balance in the customer's separate bank account is transferred to the securities company's bank account Funds transfer information to be sent to the bank server, and the bank server moves the funds between the customer's bank account and another bank account by the adjustment amount included in the fund transfer information, and then deposits in the customer's another bank account. The balance is transferred to the bank account of the securities company.

  According to the present invention, it is possible to achieve an excellent effect that it is possible to reduce the burden on the customer related to the transfer of funds between accounts in securities brokerage transactions.

  Next, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing a configuration example of a securities trading system 100 according to an embodiment of the present invention. In FIG. 1, in the securities trading system 100, the overall configuration in the case where a user 150 who is a customer of the bank 110 performs a securities transaction with the securities company 120 via the bank 110 using the customer terminal 200 is schematically illustrated. Show.

  Note that the bank 110 means a financial institution such as a city bank, a regional bank, a financial treasury, or a credit union. Further, it is assumed that a bank server 300 is provided in the bank 110 and a securities server 400 is provided in the securities company 120. In FIG. 1, the case where the bank server 300 is installed in the bank 110 is shown as an example, but the same applies to the case where the bank server 300 is installed in a place physically separated from the bank 110. Can do. The same applies to the relationship between the securities company 120 and the securities server 400.

  As described above, the securities trading system 100 includes the customer terminal 200, the bank server 300, and the securities server 400. Each of the customer terminal 200, the bank server 300, and the securities server 400 is connected to a network 140, which is a communication network such as the Internet, and can exchange various information. Further, the bank server 300 and the securities server 400 are connected by a dedicated line 130 for performing highly confidential communication with each other.

  In the embodiment of the present invention, when one bank server is set for one bank and one securities server is set for one securities company, the customer terminal, the bank server, and the securities A securities transaction system performed with a server will be described as an example. A bank system including one or more information processing apparatuses is constructed in one bank, and a securities system including one or more information processing apparatuses is one. In the case of being constructed in one securities company, the embodiment of the present invention can be applied to a securities transaction system performed between a customer terminal, its bank system, and its securities system. The embodiment of the present invention can also be applied to a case where the bank system functions as a bank server or a case where the securities system functions as a securities server.

  Next, functional configuration examples of the customer terminal 200, the bank server 300, and the securities server 400 that constitute the securities trading system 100 will be described in detail with reference to the drawings.

  FIG. 2 is a block diagram showing a functional configuration example of the customer terminal 200 in the embodiment of the present invention. The customer terminal 200 is, for example, a personal computer that includes a dedicated display unit. The customer terminal 200 includes a central processing unit (CPU) 210, a read only memory (ROM) 220, a random access memory (RAM) 230, a hard disk drive (HDD) 240, a display unit 250, and an operation receiving unit. 260 and a communication unit 270. Each signal is exchanged between the blocks via the bus 280.

  The CPU 210 controls each part of the customer terminal 200 based on various control programs stored in the ROM 220. Further, the CPU 210 controls each unit of the customer terminal 200 based on various information read from the HDD 240, an operation input received by the operation receiving unit 260, and the like.

  The ROM 220 is a read-only memory and stores various control programs and the like.

  The RAM 230 is a memory used for a main memory (main storage device) of the CPU 210, and stores a work area and the like of a program executed by the CPU 210.

  The HDD 240 is a hard disk that stores various application programs and the like.

  The display unit 250 is a display unit that displays various information based on the control of the CPU 210. As the display unit 250, for example, a display such as an LCD (Liquid Crystal Display) can be used.

  The operation receiving unit 260 includes a keyboard and a mouse (pointing device) made up of various input keys. When an operation input is received from the mouse or the like, the content of the received operation input is output to the CPU 210. Note that at least a part of the operation receiving unit 260 and the display unit 250 may be integrally configured as a touch panel.

  A cursor (mouse pointer) that moves according to the movement of the mouse is displayed on the screen displayed on the display unit 250. The cursor is a mouse pointer used for pointing an instruction or an operation target on the screen displayed on the display unit 250. The cursor will be described with reference to the drawings.

  The communication unit 270 is connected to the network 140 and executes transmission / reception of various information to / from the bank server 300 or the securities server 400 connected to the network 140 based on the control of the CPU 210.

  FIG. 3 is a block diagram showing a functional configuration example of the bank server 300 in the embodiment of the present invention. The bank server 300 includes an authentication unit 310, a control unit 320, a main storage unit 330, a customer information database 340, an ordinary deposit account database 350, a separate deposit account database 360, a securities server communication control unit 370, A network communication control unit 380 and a display control unit 390 are provided.

  The authentication unit 310 performs authentication processing such as login information from the customer terminal 200 and a bank execution password received by the network communication control unit 380.

  The control unit 320 is a system control unit that controls the bank server 300 as a whole.

  The main storage unit 330 stores each piece of information received by the securities server communication control unit 370 or the network communication control unit 380, and outputs the stored information to the authentication unit 310 and the control unit 320.

  The customer information database 340 is a database in which bank customer management information, which is information related to the bank 110 customers, is recorded. The bank customer management information recorded in the customer information database 340 will be described in detail with reference to FIG.

  The savings account database 350 is a database in which savings account information such as deposit and withdrawal records and balance information related to savings accounts opened by customers of the bank 110 is recorded. The savings account database 350 will be described in detail with reference to FIG.

  The separate deposit account database 360 is a database in which separate deposit account information such as deposit / withdrawal records and balance information related to the separate deposit account opened for each ordinary deposit account opened by a customer of the bank 110 is recorded. Here, extra deposits are generally provided to store unsettled or unorganized temporary funds and deposits that accompany financial institution deposits, loans, foreign exchange transactions, agency operations, etc. Is a deposit. The separate deposit account database 360 will be described in detail with reference to FIG.

  The securities server communication control unit 370 is connected to the dedicated line 130 and performs communication control performed with the securities server 400 via the dedicated line 130 based on an instruction from the control unit 320.

  The network communication control unit 380 is connected to the network 140 and performs communication control performed with the customer terminal 200 via the network 140 based on an instruction from the control unit 320.

  The display control unit 390 performs control to provide each display screen to the customer terminal connected via the network 140 via the network communication control unit 380. For example, the display control unit 390 performs control to display each display screen illustrated in FIGS. 11A to 11C on the customer terminal 200 connected via the network 140.

  FIG. 4 is a diagram schematically showing the savings account information stored in the savings account database 350 and the separate deposit account information stored in the separate deposit account database 360.

  A bank account of each customer who makes a deposit is opened in the bank 110. In the embodiment of the present invention, a savings account and a separate savings account will be described as examples of the customer's bank account.

  The savings account information stored in the savings account database 350 is information related to savings accounts for each customer who makes savings in the bank 110, and includes a holder 351, a bank branch number 352, and a bank account number. 353 and a deposit balance 354 are stored in association with each other.

  The separate deposit account information stored in the separate deposit account database 360 is information relating to the deposit account opened for each bank account number stored in the ordinary deposit account database 350, and includes a holder 361 and a bank branch number 362. The bank account number 363 and the deposit balance 364 are stored in association with each other. The transfer of funds between the ordinary deposit account related to the ordinary deposit account information stored in the ordinary deposit account database 350 and the extra deposit account related to the extra deposit account information stored in the separate deposit account database 360 is performed by the securities server 400. This is performed based on an instruction from the control unit 320 in response to a request from. For example, when it is assumed that funds are automatically transferred between a bank account and a securities account, when the user 150 purchases stocks through online securities transactions with the securities server 400, an estimate of the purchase is made. The purchase contract amount is automatically transferred from the user's 150 savings account to the user's 150 separate savings account. Further, the funds after the transfer are adjusted based on the final purchase amount related to the purchase, and the funds after the adjustment are automatically transferred from the separate deposit account of the user 150 to the savings account 120 of the securities company 120. . The savings account date and the like are stored in the ordinary deposit account database 350 and the separate deposit account database 360, but the description thereof is omitted here.

  FIG. 5 is a block diagram showing a functional configuration example of the securities server 400 in the embodiment of the present invention. The securities server 400 includes an authentication unit 410, a control unit 420, a main storage unit 430, a customer information database 440, a securities account database 450, a batch processing database 455, a bank server communication control unit 460, a network A communication control unit 470, a display control unit 480, a transfer reservation money memory 490, a securities purchase margin binding memory 570, a separate deposit history memory 580, a stock trading history memory 590, and a margin transaction memory 190. .

  The authentication unit 410 performs authentication processing such as the securities execution password and login information from the customer terminal 200 received by the bank server communication control unit 460 and the login information from the customer terminal 200 received by the network communication control unit 470. It is.

  The control unit 420 is a system control unit that controls the entire securities server 400.

  The main storage unit 430 stores each piece of information received by the bank server communication control unit 460 or the network communication control unit 470, and outputs the stored information to the authentication unit 410 and the control unit 420.

  The customer information database 440 is a database in which securities customer management information, which is information related to the customers of the securities company 120, is recorded. The securities customer management information recorded in the customer information database 440 will be described in detail with reference to FIG.

  The securities account database 450 is a database in which securities account information such as deposit / withdrawal records and balance information related to securities accounts opened by customers of the securities company 120 is recorded. The securities account information recorded in the securities account database 450 will be described in detail with reference to FIG.

  The database for batch processing 455 is securities account information such as deposit / withdrawal records and balance information related to securities accounts opened by customers of the securities company 120, and accounts in the batch processing time zone (transfer reservation time zone) of the bank server 300. This is a database that records securities account information that does not reflect transfers. The securities account information recorded in the batch processing database 455 is updated by reflecting the account transfer in the batch processing time zone at a predetermined time. The securities account information recorded in the batch processing database 455 will be described in detail with reference to FIG.

  The bank server communication control unit 460 is connected to the dedicated line 130 and performs communication control performed with the bank server 300 via the dedicated line 130 based on an instruction from the control unit 420.

  The network communication control unit 470 is connected to the network 140, and based on instructions from the control unit 420, performs communication control with the customer terminal 200 via the network 140, and other securities companies and stock exchanges. Etc. The communication control performed between these devices is performed.

  The display control unit 480 performs control to provide each display screen to the customer terminal connected via the network 140 via the network communication control unit 470. For example, the display control unit 480 performs control to display each display screen illustrated in FIGS. 19 to 21 on the customer terminal 200 connected via the network 140.

  The transfer reservation money memory 490 is a memory in which the transfer amount is recorded when the account transfer is performed from the securities account to the bank account by the user's manual operation in the batch processing time zone of the bank server 300. The transfer amount recorded in the transfer reservation money memory 490 is reflected in the batch processing database 455 and the securities account database 450 at a predetermined time. The securities account information recorded in the transfer reservation money memory 490 will be described in detail with reference to FIG. Further, the securities purchase surplus binding money memory 570, the separate deposit history memory 580, and the stock trading history memory 590 will be described in detail with reference to FIGS.

  The margin transaction memory 190 is a memory that records information related to margin transactions such as trust deposits and open interest.

  Next, customer management information owned by the bank 110 and the securities company 120 will be described with reference to the drawings.

  FIG. 6A is a diagram showing an outline of bank customer management information 111 owned by the bank 110, and FIG. 6B is a diagram showing an outline of securities customer management information 121 owned by the securities company 120. . In the embodiment of the present invention, the user 150 as a customer will be described as Ichiro Koda.

  The bank customer management information 111 owned by the bank 110 is various information related to the customers of the bank 110 stored in the customer information database 340. For example, the bank account number 112, the bank branch number 113, the securities account number 114, The bank login password 115, the bank execution password 116, the securities login ID 117, the funds transfer status 118, and the customer information 119 are recorded in association with each other. In some of the drawings (FIG. 18 and the like), the password characters are omitted and described as PW (password).

  The bank account number 112 is a bank account number given to each customer who has opened an account with the bank 110. The bank branch number 113 indicates the identification number of the branch of the bank 110 where the account is opened. The securities account number 114 is an account number of a securities company that is given to each customer who opened a securities account of the securities company 120 via the bank 110.

  The bank login password 115 is a password used when logging in to the bank server 300 from the customer terminal when online bank transactions are performed between the customer terminal and the bank server 300 via the network 140.

  The bank execution password 116 is a password used for identity authentication in bank transactions such as when transferring to another bank or when selling foreign currency when online bank transactions are performed between the customer terminal and the bank server 300. is there.

  The securities login ID 117 is used when the customer who has opened a securities account of the securities company 120 via the bank 110 performs online securities transactions between the customer terminal and the securities server 400 via the network 140. This is an ID used when logging into the server 400. The securities login ID 117 is a secret ID not notified to the customer, is recorded only in the bank server 300 and the securities server 400, and is used only when logging in from the bank server 300 to the securities server 400. By using this private securities login ID to log in to the securities server 400 from the bank server 300, reliable security at the time of login can be ensured. The securities login ID 117 will be described in detail with reference to FIGS.

  The fund transfer status 118 indicates the funds between the bank account and the securities account when the customer terminal 200 is used to buy and sell stocks when online transactions are performed between the customer terminal 200 and the securities server 400. A flag indicating the status of movement is stored. Here, the fund transfer status is a status indicating whether the user performs the fund transfer between the bank account and the securities account manually or automatically. For example, when transferring funds between a bank account and a securities account by a user's manual operation, “normal” is set as the funds transfer status, and a flag “0” is stored in the funds transfer status 118. On the other hand, when the funds transfer between the bank account and the securities account is automatically performed, “automatic” is set as the fund transfer status, and the flag “1” is stored in the fund transfer status 118. Note that the case where “normal” is set as the fund transfer status will be described in detail with reference to FIGS. 19 to 25 and the like. Further, the case where “automatic” is set as the fund transfer status will be described in detail with reference to FIGS. Further, a method for setting the fund transfer status will be described in detail with reference to FIG.

  The customer information 119 is various information related to a customer who opened an account in the bank 110. For example, a customer's name, address, telephone number, contact information such as a mail address, and the like are stored.

  The securities customer management information 121 owned by the securities company 120 is various information regarding the customers of the securities company 120 stored in the customer information database 440. For example, the securities account number 122, the securities branch number 123, and the bank account number. 124, a securities login password 125, a securities execution password 126, a securities login ID 127, a fund transfer status 128, customer information 129, and limiter amount information 170 are recorded in association with each other.

  The securities account number 122 is an account number of a securities company given to each customer who opened an account with the securities company 120. The securities branch number 123 indicates the identification number of the branch of the securities company 120 where the account is opened. The bank account number 124 is a bank account number given to a customer who opened a securities account of the securities company 120 via the bank 110. Here, as shown in FIGS. 6A and 6B, the bank account number 112 of the bank customer management information 111 and the bank account number 124 of the securities customer management information 121 hold the same account number, The same account number is held in the securities account number 114 of the bank customer management information 111 and the securities account number 122 of the securities customer management information 121.

  The securities login password 125 is a password used when logging in directly to the securities server 400 from the customer terminal without going through the bank server 300 when a failure occurs in the transaction system of the bank server 300 for some reason. The securities login password 125 will be described in detail with reference to FIGS.

  The securities execution password 126 is used to authenticate a person when confirming a securities transaction such as an account transfer or a securities transaction when an online securities transaction is performed between the customer terminal and the securities server 400. The password to be used.

  The securities login ID 127 is used when the customer who has opened a securities account of the securities company 120 via the bank 110 conducts an online securities transaction between the customer terminal and the securities server 400 via the network 140, This is an ID used when logging into the server 400. The securities login ID 127 is the same as the securities login ID 117 shown in FIG.

  The fund transfer status 128 indicates the funds between the bank account and the securities account when the customer terminal 200 is used to buy and sell stocks when online transactions are performed between the customer terminal 200 and the securities server 400. A flag indicating the status of movement is stored. The same flag is stored in the fund transfer status 118 and the fund transfer status 128. The funds transfer status that is set and the flags that are stored are the same as those of the fund transfer status 118, and a description thereof is omitted here.

  The limiter amount information 170 is an upper limit amount used when confirming the purchasing power in the case of purchasing stock in the case where auto is set as the fund transfer status. At the time of confirmation of this reserve capacity, for example, a difference value, which is a value obtained by subtracting the approximate purchase price from the reserve capacity (deposit balance of savings account + securities purchase capacity), is stored in the limiter amount information 170. If the amount is smaller than the limiter amount, warning display information for displaying a warning to the customer is transmitted to the customer terminal. As described above, by registering the limiter amount in the limiter amount information 170 by the customer, it is possible to prevent an operation error of the customer.

  The customer information 129 is various information related to a customer who opened an account with the securities company 120. For example, a customer's name, address, telephone number, contact information such as a mail address, and the like are stored. The customer information 129 corresponds to the customer information 119 shown in FIG.

  FIG. 7 shows a securities account database 450, a batch processing database 455, a transfer reserve memory 490, a securities purchase reserve memory 570, a separate deposit history memory 580, and a stock trading history memory provided in the securities server 400. FIG. 5 is a diagram schematically showing 590 and a margin transaction memory 190.

  The securities account database 450 is a database in which securities account information such as deposit / withdrawal records and balance information related to securities accounts opened by customers of the securities company 120 is recorded, and includes a holder 451, a securities account number 452, and a bank account. The number 453 and the deposit balance 454 are stored in association with each other. The securities account database 450 stores the date of deposit / withdrawal, but the description thereof is omitted here.

  The batch processing database 455 is a database in which securities account information such as deposit / withdrawal records and balance information related to a securities account opened by a client of the securities company 120 is recorded, and a holder 456, a securities account number 457, a bank The account number 458 and the deposit balance 459 are stored in association with each other. Here, in the securities account database 450 and the batch processing database 455, the same information is stored in a time zone other than the batch processing time zone, but information is stored only in the securities account database 450 in the batch processing time zone. . Information stored in the securities account database 450 is reflected and stored in the batch processing database 455 at a predetermined time in the batch processing time zone. The batch processing database 455 stores the date of deposit and withdrawal, etc., but a description thereof is omitted here.

  The transfer reservation money memory 490 is a memory in which the transfer amount is recorded when the account transfer is performed manually from the securities account to the bank account in the batch processing time zone of the bank server 300 by the user. 491, securities account number 492, bank account number 493, and transfer reservation amount 494 are stored in association with each other.

  Further, an account transfer can be performed between a bank account opened in the bank 110 and a securities account opened in the securities company 120. The securities account database 450, the batch processing database 455, the transfer reservation money memory 490, the securities purchase reserve memory 570, the separate deposit history memory 580, and the stock trading history memory 590 are bank account numbers. Assume that

  Here, when the user (Koda) 150 conducts online securities transactions with the securities server 400 via the network 140, the actual securities transactions are performed by the securities company 120 deposited in the bank 110. Trading is performed using a savings account (savings account database 350).

  In this way, although it is shown to the user 150 who conducts online securities trading as if the securities company 120 has a securities account similar to that of the bank 110, the securities company 120 in the bank 110 is actually used. 'S savings account is functioning as the securities account. That is, the transfer of funds performed between the bank account opened in the bank 110 and the securities account opened in the securities company 120 is actually established in the bank 110. This is an exchange of funds between the customer's savings account and the savings account 120's savings account opened in the bank 110. Also, the securities system (securities server 400) appropriately issues an instruction to buy and sell securities etc. to the outside.

  However, on the securities system, data that records what funds have been input / output to / from the securities company's savings account is recorded in the batch processing database 455 and the securities account database 450. The balance information of the securities account provided to the user is determined based on the latest information in this input / output.

  For example, when transferring 10,000 yen from Koda's savings account to Koda's securities account, when the customer terminal 200 conducts online securities transactions with the securities server 400 via the network 140, Koda makes an operation input from the customer terminal 200 to transfer 10,000 yen from the Koda savings account to the Koda securities account. When this operation input is received by the securities server 400, an account transfer request is sent to the bank server 300 to transfer 10,000 yen from the Koda savings account to the securities company's securities account.

  When the bank transfer request is received by the bank server 300, “10,000 yen” is subtracted from “1,000,000 yen” of the deposit balance 354 of Koda in the ordinary deposit account database 350 shown in FIG. The balance 354 is set to “990,000 yen”, and “10,000 yen” is added to “200,000,000 yen” of the deposit balance 354 of the securities company in the ordinary deposit account database 350 shown in FIG. Is set to "200,010,000 yen". When these processes are completed, the bank server 300 transmits a deposit process completion notification to the securities server 400.

  Upon receipt of the deposit processing completion notification from the bank server 300, the securities server 400 adds “10” to the balance “2,000,000 yen” of Koda's securities account recorded in the batch processing database 455 and the securities account database 450. , 000 yen "is added, and the balance of Koda's securities account is set to" 2,010,000 yen ". This is a normal process, and in the batch processing time zone, account transfer is performed by the processes shown in FIGS. In addition, when transferring 10,000 yen from Koda's securities account to Koda's savings account, the same account transfer is performed. Moreover, the account transfer by a user's manual operation is demonstrated in detail with reference to FIG. 19 thru | or FIG.

  FIG. 8 is a diagram schematically showing each piece of information stored in the securities purchase surplus binding money memory 570.

  The securities purchase surplus bond money 570 stores the amount temporarily stored in the securities account database 450 when the funds transfer status is set automatically as the securities related to the stock purchase made on the same day. This is a memory in which the stock purchase surplus restraint amount is recorded when restraint is made as a stock surplus power restraint amount. It should be noted that the amount recorded in the securities purchase reserve capacity memory 570 as the securities purchase reserve capacity amount is subtracted from the securities account database 450. In addition, the securities purchase surplus constraint money memory 570 stores a holder 571, a securities account number 572, a bank account number 573, and a securities purchase surplus constraint amount 574 in association with each other.

  FIG. 9 is a diagram schematically showing each piece of information stored in the separate deposit history memory 580.

  The separate deposit history memory 580 stores the funds transfer history when funds are transferred from the separate deposit account of the customer in the separate deposit account database 360 to the ordinary deposit account of the securities company in the ordinary deposit account database 350. The bank account number 581 of the customer related to the money transfer, the date 582 related to the money transfer, and the deposit amount 583 to the securities company, which is the money related to the money transfer, are stored.

  FIG. 10 is a diagram schematically showing each piece of information stored in the stock trading history memory 590.

  The stock trading history memory 590 is a memory that stores a history of stock trading performed when online securities trading is performed between the customer terminal 200 and the securities server 400, and includes a bank account number 591, a month Day 592, buying and selling 593, approximate contract amount 594, fixed amount 595, stock brand 596, unit price at the time of stock acquisition (stock price at the time of acquisition) 597, A trading quantity 598 which is a number indicating how many shares are acquired) and a fund transfer status 599 are stored in association with each other. The sale 593 stores “sell” or “buy” according to the sale or purchase of stock. The approximate contract amount 594 stores the approximate purchase contract amount at the time of the stock purchase. The fixed amount 595 stores a fixed sale amount or a fixed purchase amount corresponding to the buying and selling of stock. Further, in the fund transfer status 599, the same flag as the flag stored in the fund transfer status 118 and 128 shown in FIG. 6 is stored as the fund transfer status when the stock is sold. Further, the current evaluation value of the stock recorded in the stock trading history memory 590 is calculated based on the market information (for example, unit stock price) acquired via the network communication control unit 470 shown in FIG.

  Next, a case where a securities account of the securities company 120 is opened through the bank 110 in the securities trading system 100 will be described in detail with reference to the drawings.

  FIG. 11 is a diagram showing a transition of the display screen when logging into the bank server 300 and opening a securities account of the securities company 120 from the customer terminal 200. These display screens will be described in detail with reference to the sequence chart shown in FIG.

  FIG. 12 is a sequence chart showing a securities account opening process when logging into the bank server 300 and opening a securities account of the securities company 120 from the customer terminal 200. In the embodiment of the present invention, it is assumed that a customer who opens a securities account via the bank server 300 has a bank account of the bank 110 in which the bank server 300 is installed and logs in to the bank server 300 from a customer terminal. . In this example, a case where the user 150 who owns the bank account of the bank 110 opens a securities account of the securities company 120 via the bank server 300 using the customer terminal 200 will be described. In this example, on the bank 110 home page displayed on the display unit 250 of the customer terminal 200, the user 150 uses the customer terminal 200 to press the “bank login” button to display the bank transaction login screen. A case where a request is made to the bank server 300 will be described.

  When the user 150 opens a securities account of the securities company 120 via the bank server 300, it is necessary to log in to the bank server 300. Therefore, when the user 150 performs an operation input for requesting a bank transaction login screen for online transaction with the bank 110 via the network 140 in the operation reception unit 260 of the customer terminal 200, the customer terminal 200 The bank transaction login screen request is transmitted from the server to the bank server 300 (701). When the bank server 300 receives the bank transaction login screen request (702), the bank transaction login screen is transmitted to the customer terminal 200 that has transmitted the bank transaction login screen request (703).

  When the customer terminal 200 receives the bank transaction login screen from the bank server 300 (704), the bank transaction login screen is displayed on the display unit 250 (705). This prompts the user 150 to input information necessary for login. In the embodiment of the present invention, information necessary for logging in to the bank server 300 from the customer terminal 200 is a bank account number and a bank login password.

  FIG. 11A shows an example in which a bank transaction login screen 501 is provided on a part of the display screen 500 displayed (705) on the display unit 250. FIG. The bank transaction login screen 501 is provided with a cursor 502, a bank account number input area 503, a bank login password input area 504, and a “confirm” button 505. When the user 150 logs in to the bank server 300, the bank account login screen 501 inputs the bank account number “012345” of the user 150 in the bank account number input area 503 and bank login in the bank login password input area 504. Enter the password “abcde (indicated by“ **** ”in FIG. 11A because it is not displayed on the actual screen from the viewpoint of security)” and use the cursor 502 to enter the “confirm” button 505. Press. Thereby, the bank login information including the input bank account number and the bank login password is transmitted to the bank server 300 (706).

  When the bank server 300 receives the bank login information from the customer terminal 200 (707), the bank account number and the bank login password included in the received bank login information, and the bank customer management information 111 stored in the customer information database 340. The bank account number and the bank login password recorded in the above are compared to perform authentication processing (708). When the two bank account numbers and the bank login password match, the bank server 300 determines that the authentication by the authentication process is successful, permits login of the customer terminal 200, and transmits a bank transaction screen to the customer terminal 200. (709).

  When the customer terminal 200 receives the bank transaction screen (710), the bank transaction screen is displayed on the display unit 250 (711).

  FIG. 11B shows an example in which a bank transaction screen 507 is provided on a part of the display screen 506 displayed (711) on the display unit 250. The bank transaction screen 507 is provided with a cursor 510, a “foreign currency transaction” button 508, and a “securities account opening” button 509. The “foreign currency transaction” button 508 is a button to be pressed when starting foreign currency transaction when the bank server 300 is logged in. The “open securities account” button 509 is a button to be pressed when opening a securities account of the securities company 120 from the customer terminal 200 when logged in to the bank server 300. The bank transaction screen 507 shows only a “foreign currency transaction” button 508 and a “securities account opening” button 509, but other transaction buttons can be provided on the bank transaction screen 507.

  When opening a securities account of the securities company 120 from the customer terminal 200 when logged in to the bank server 300, a “securities account opening” button 509 is pressed using the cursor 510 on the bank transaction screen 507. Thereby, a securities account opening application screen request is transmitted from the customer terminal 200 to the bank server 300 (712).

  When the bank server 300 receives the securities account opening application screen request from the customer terminal 200 (713), the bank server 300 transmits a securities account opening application screen to the customer terminal 200 that has transmitted the securities account opening application screen request (714).

  When the customer terminal 200 receives the securities account opening application screen (715), the securities terminal opening application screen is displayed on the display unit 250 (716).

  FIG. 11C shows an example in which a securities account opening application screen 512 is provided in a part of the display screen 511 displayed (716) on the display unit 250. The securities account opening application screen 512 is provided with a securities login password input area 513, a securities execution password input area 514, a bibliographic item input area 515, a “confirm” button 516, and a cursor 517. When the user 150 makes an application to open a securities account for performing online securities transactions with the securities company 120 via the bank 110, the securities login password input area 513 and the securities are displayed on the securities account opening application screen 512. A desired password is input in the execution password input area 514 and predetermined items such as name and address are input in the bibliographic item input area 515, and the “confirm” button 516 is pressed using the cursor 517. Thereby, securities account opening application information including the entered securities login password, securities execution password, and bibliographic items is transmitted to the bank server 300 (717).

  When the bank server 300 receives the securities account opening application information (718), it transmits the received securities account opening application information to the securities server 400 (719).

  When the securities server 400 receives the securities account opening application information from the bank server 300 (720), it creates a securities login ID, and also includes the bibliographic items, securities login password, and securities execution included in the received securities account opening application information. The password, bank account number, etc. and the created securities login ID are recorded in association with the securities customer management information 121 stored in the customer information database 440 (722). Also, a securities account number and a securities branch number are given to each customer, and the corresponding bank account number, securities account number, and securities branch number are recorded in association with the securities customer management information 121. For example, as illustrated in FIG. 6B, each piece of information related to “Ichiro Koda” is recorded as customer information of the user 150.

  Subsequently, the securities server 400 transmits the created securities login ID to the bank server 300 (723). When the bank server 300 receives the securities login ID (724), the bank server 300 records the securities login ID in association with the corresponding securities login ID 117 of the bank customer management information 111 (725).

  Here, the securities login ID may be randomly generated by the securities server 400 or may be generated based on a predetermined algorithm. The securities account number may be the same as the bank account number. Here, when the securities account number is the same as the bank account number, the securities server 400 records the same number as the bank account number transmitted from the bank server 300 in the securities customer management information 121 as the securities account number. (722). When the securities server 400 assigns a securities account number, the assigned securities account number is transmitted to the bank server 300 together with the securities login ID (723).

  Also, when the securities server 400 receives the securities account opening application information from the bank server 300 (720), the securities server 400 creates a securities account application document. Then, the created securities account application document is notified (mailed or the like) to the user 150 who has performed a securities account opening application operation at the customer terminal 200. When the user 150 who has received the securities account application documents returns documents necessary for opening a securities account such as a seal document or an identity verification document, the securities company 120 opens a securities account. As a result, the procedure for logging in to the bank server 300 and opening a securities account of the securities company 120 from the customer terminal 200 is completed.

  As described above, when the account opening application process is completed, necessary information is stored in the bank customer management information 111 and the securities customer management information 121 as shown in FIGS. 6 (a) and 6 (b). As described above, the password used for authentication or the like in the bank server 300 or the securities server 400 is stored on each system. This is because it is desirable that the password does not move on the network from the viewpoint of security. In addition, when the password is changed, it is only necessary to change the password at each of the bank server 300 or the securities server 400, so that security protection can be strengthened and the bank server 300 and the securities server 400 are double-registered. Can prevent passwords from being different.

  Next, login from the customer terminal 200 to the securities server 400 when the user 150 starts an online securities transaction with the securities company 120 via the bank 110 will be described in detail with reference to the drawings.

  FIG. 13 is a diagram showing a configuration of authentication processing information 160 which is an example of authentication processing information transmitted from the bank server 300 to the securities server 400 when logging into the securities server 400 from the customer terminal 200 via the bank server 300. It is.

  The authentication processing information 160 is information transmitted from the bank server 300 to the securities server 400 via the dedicated line 130 when logging in to the securities server 400 from the customer terminal 200, and is the minimum for authentication processing in the securities server 400. Necessary information. The authentication processing information 160 includes, for example, a bank account number 161, a character string 162, a securities account number 163, a character string 164, a securities login ID 165, and a hash value 166.

  Each of the bank account number 161, the securities account number 163, and the securities login ID 165 is read from the bank customer management information 111. The character string 162 and the character string 164 are random numerical values or character strings randomly generated in the bank server 300, and are between the character strings of the bank account number 161, the securities account number 163, and the securities login ID 165. Inserted. Here, it is assumed that each of the bank account number 161, the character string 162, the securities account number 163, the character string 164, and the securities login ID 165 has a predetermined fixed length.

  The hash value 166 is a hash value calculated from a continuous character string composed of a bank account number 161, a character string 162, a securities account number 163, a character string 164, and a securities login ID 165. To be added. Then, the authentication processing information 160, which is a character string to which the hash value 166 is added, is transmitted from the bank server 300 to the securities server 400 via the dedicated line 130.

  When the securities server 400 receives the authentication processing information 160 from the bank server 300, the securities server 400 removes the hash value 166 from the character string constituting the received authentication processing information 160, and calculates the hash value from the character string from which the hash value 166 is removed. . Then, the calculated hash value is compared with the removed hash value 166, and if these hash values are the same value, it is determined that the tampering or the like has not been performed, and the characters constituting the authentication processing information 160 The character string 162 and the character string 164 are extracted from the columns, and the bank account number 161, the securities account number 163, and the securities login ID 165 are acquired. Thus, when the securities server 400 decodes the authentication processing information 160, each character string has a predetermined fixed length, so that necessary information can be acquired. As a result, external decoding and tampering can be prevented at a higher level.

  In this example, the case where the bank account number 161, the securities account number 163, and the securities login ID 165 are used as the character strings constituting the authentication processing information 160 has been described, but other information such as a bank branch number is added. You may make it use.

  Next, login path information used when logging in to the securities server 400 from the customer terminal 200 will be described in detail.

  In the embodiment of the present invention, there are two types of login methods as a method for logging in to the securities server 400. Specifically, a normal login method using a route from the customer terminal 200 via the bank server 300 and an emergency login method using a route from the customer terminal 200 via the network 140 are used. Further, login path information indicating whether or not the login information is received from the login screen presented to the user by the securities server 400 is used for the authentication process of the login information received via this path. Here, the normal time means, for example, a state in which a failure or the like has not occurred in the transaction system of the bank server 300 and the customer terminal 200 can log in to the bank server 300. The emergency means a state in which it is impossible to log in to the bank server 300 from the customer terminal 200 because some trouble has occurred in the transaction system of the bank server 300, for example.

  This login path information is, for example, flag information indicating “0” or “1”, and “0” is transmitted in the normal login method, and “1” is transmitted in the emergency login method. That is, if the login information is from the bank server 300 to the securities server 400 at the normal time, “0” is transmitted as the login path information, and if the login information is from the customer terminal 200 to the securities server 400 at the emergency time, the login is performed. “1” is transmitted as route information. Only when it is verified that the login path information and other login information are correct, login to the securities server 400 is permitted. Thus, more reliable authentication processing can be performed by using the login path information.

  For example, during normal times, the login path information is set so that the securities server 400 always accepts only logins with the login path information “0”. Therefore, for a login whose login route information is “1”, login to the securities server 400 is not permitted even if the login ID and the login password are correct.

  On the other hand, in an emergency, the login route information is set so that the securities server 400 always accepts only the login of the login route information “1”. As a result, unauthorized access to the securities server 400 is prevented, and even when troubles such as failures occur in the transaction system of the bank server 300, security is maintained and the customer terminal 200 accesses the securities server 400. You can log in.

  Here, for example, if the storage location of the login screen is frequently moved, maintenance such as link processing with other pages becomes complicated, so the URL of the emergency login screen is fixed to some extent. However, if the URL of the emergency login screen is obtained illegally, there is a risk of abuse. Therefore, by using the login path information, even when the URL of the emergency login screen is obtained illegally and the correct login ID and password are input, the unauthorized login can be prevented. Further, as a route used for these two systems of login methods, a mechanism may be adopted in which only one of them can be logged in and the other cannot be logged in.

  Further, as the login route information, other information transmitted from the customer terminal 200 can be used instead of the flag information “0” or “1”. For example, when a browser for connecting to the Internet is used in the customer terminal 200, the link source URL held in the environment variable HTTP_REFERER output from the browser can be used as the login path information.

  Next, login processing from the customer terminal 200 to the securities server 400 in the normal time will be described in detail with reference to the drawings.

  FIG. 14 is a diagram showing the transition of the display screen when logging in to the securities server 400 from the customer terminal 200 via the bank server 300. These display screens will be described in detail with reference to the sequence chart shown in FIG.

  FIG. 15 is a sequence chart showing a login process when logging in to the securities server 400 from the customer terminal 200 via the bank server 300.

  When the user 150 logs in to the securities server 400 from the customer terminal 200 via the bank server 300 and conducts online securities transactions, it is necessary to log in to the bank server 300 from the customer terminal 200 at normal times. In the log-in process from the customer terminal 200 to the bank server 300, the procedures 731 to 739 shown in FIG. 15 are the same as the procedures 701 to 709 shown in FIG. Further, the display screen 500 shown in FIG. 14A is a screen showing an example of the display 735 shown in FIG. 15, and this display screen 500 is the same as the display screen 500 shown in FIG. The description here is omitted.

  As shown in FIG. 15, when the customer terminal 200 receives a bank transaction screen (740), the bank transaction screen is displayed on the display unit 250 (741).

  FIG. 14B shows an example in which a bank transaction screen 521 is provided on a part of the display screen 520 displayed (741) on the display unit 250. The bank transaction screen 521 is provided with a cursor 522, a “foreign currency transaction” button 523, and a “securities transaction” button 524. The “foreign currency transaction” button 523 is the same as the “foreign currency transaction” button 508 shown in FIG. The “securities transaction” button 524 is a button to be pressed when logging in to the securities server 400 via the bank server 300 and starting a securities transaction. The bank transaction screen 521 shows only the “foreign currency transaction” button 508 and the “securities transaction” button 524, but other transaction buttons can be provided on the bank transaction screen 521.

  As described above, the user 150 can perform bank transactions such as foreign currency deposit transactions using the bank transaction screen 521 while the customer terminal 200 is logged in to the bank server 300. Further, an operation of logging in to the securities server 400 and starting a securities transaction can be performed using the bank transaction screen 521. Thus, it is possible to provide a user interface that allows a securities transaction to be a part of a bank transaction without making the user aware of the conventional bank and securities barrier.

  In the bank transaction screen 521, when an operation input for pressing the “securities transaction” button 524 is made by the user 150 to the operation reception unit 260, a securities transaction request is transmitted from the customer terminal 200 to the bank server 300 (742). When the bank server 300 receives the securities transaction request from the customer terminal 200 (743), the bank server 300 creates the authentication processing information 160 shown in FIG. 13 (744). That is, for example, the bank account number 161, the securities account number 163, and the securities login ID 165 are read from the bank customer management information 111 as the minimum information necessary for the authentication process in the securities server 400, and the character string 162 is between these. And a character string 164 are inserted, a hash value is calculated from these consecutive character strings, and a hash value 166 is added to the end of these consecutive character strings. Then, “0” is transmitted as login path information from the bank server 300 to the securities server 400 via the dedicated line 130, and authentication processing information 160 is transmitted (745).

  When URL information is used as the login path information, when the “securities transaction” button 524 is pressed on the bank transaction screen 521, URL information (login path information) and a securities transaction request corresponding to the bank transaction screen 521 are displayed. The customer terminal 200 transmits the information to the bank server 300 (742), and the URL information and the authentication processing information 160 are transmitted from the bank server 300 to the securities server 400 via the dedicated line 130 (745).

  When the securities server 400 receives the login path information and the authentication process information 160 (746), it accepts only the authentication process information 160 transmitted together with the login path information of “0”, and the authentication process is performed based on the authentication process information 160. (747). That is, the hash value 166 is removed from the character string constituting the received authentication processing information 160, the hash value is calculated from the character string from which the hash value 166 is removed, and the calculated hash value and the removed hash value 166 are obtained. To be compared. If these hash values are the same value, the character string 162 and the character string 164 are extracted from the character string constituting the authentication processing information 160, and the bank account number 161, the securities account number 163, and the securities login ID 165 are Each is acquired. Further, the bank account number having the same number as the acquired bank account number 161 is retrieved from the securities customer management information 121, and the securities recorded in the securities customer management information 121 in association with the retrieved bank account numbers of the same number. The account number 122 and the securities login ID 127 are compared with the acquired securities account number 163 and the securities login ID 165, and if they match, it is determined that the authentication is successful. Then, the customer terminal 200 logs in to the securities server 400.

  Thus, by using the login path information for authentication, it is possible to perform more reliable authentication work.

  Subsequently, a securities transaction screen is transmitted from the securities server 400 to the customer terminal 200 via the network 140 (748). When the customer terminal 200 receives the securities transaction screen from the securities server 400 (749), the received securities transaction screen is displayed on the display unit 250 (750).

  FIG. 14C shows an example in which a securities transaction screen 531 is provided on a part of the display screen 530 displayed (750) on the display unit 250. The stock transaction screen 531 is provided with a “sell spot” button 533, a “buy spot” button 534, an “automatic transfer of fund transfer status” button 535, and an “automatic release of fund transfer status” button 536. On the stock transaction screen 531, the user 150 can make an online stock transaction with the securities company 120 by pressing the “sell in kind” button 533 or the “buy in kind” button 534 using the cursor 532. The “cash transfer status automatic setting” button 535 and the “cash transfer status automatic release” button 536 will be described in detail with reference to FIGS. Note that the stock transaction screen 531 shows a “sell in kind” button 533, a “spot purchase” button 534, an “automatic fund transfer status setting” button 535, and an “cash transfer status automatic release” button 536. Other transaction buttons can be provided on the securities transaction screen 531.

  As a result, the user can log in to the securities system without going through troublesome procedures such as password entry at the time of login even when logging in in a different system while maintaining a high security level. After logging in, the securities system will provide a place for trading in a manner independent of the banking system.

  Next, login processing from the customer terminal 200 to the securities server 400 in an emergency will be described in detail with reference to the drawings.

  FIG. 16 is a diagram showing transition of display screens when the customer terminal 200 logs in directly to the securities server 400 without going through the bank server 300. These display screens will be described in detail with reference to the sequence chart shown in FIG.

  FIG. 17 is a sequence chart showing a login process when the customer terminal 200 logs in directly to the securities server 400 without going through the bank server 300.

  In an emergency such as when the transaction system in the bank 110 is down for some reason, the customer terminal 200 cannot log in to the bank server 300. In such a case, it is possible to log in directly to the securities server 400 from the customer terminal 200, and to perform online securities transactions between the customer terminal 200 and the securities server 400. In this example, it is assumed that a failure has occurred in the transaction system of the bank server 300 and the bank server 300 cannot be logged in.

  When the user 150 conducts online securities trading with the securities company 120, the customer terminal 200 accesses the Web server of the bank 110 via the network 140, and the display unit 250 of the customer terminal 200 displays the bank 110. A homepage is displayed, and on this homepage, the user 150 uses the customer terminal 200 to press the “bank login” button. However, if a failure occurs in the transaction system of the bank server 300, the “bank login” button is not displayed on the home page of the bank 110, a message that the bank system is down, and the securities system The link destination for logging in directly to is displayed (765).

  In FIG. 16A, a message that the bank system is down and a link for directly logging in to the securities system are displayed on a part of the homepage screen 540 of the bank 110 displayed (765) on the display unit 250. An example in which an information screen 541 including a destination is provided is shown. The notification screen 541 is provided with a cursor 542, a message 543 indicating that the bank system is down, and link information (URL) 544 for directly logging into the securities system. When the user 150 logs in directly to the securities server 400, the link information (URL) 544 is clicked using the cursor 542 on the notification screen 541. Further, when a failure occurs in the transaction system of the bank server 300, link information for directly logging into the securities system may be displayed on the homepage of the securities company 120.

  In the notification screen 541, when the user 150 inputs an operation to click on the link information (URL) 544 from the operation receiving unit 260, the customer terminal 200 accesses the securities server 400 based on the link information, and the securities transaction login. A screen request is transmitted (766).

  When the securities server 400 receives an access from the customer terminal 200 and receives a securities transaction login screen request (767), the securities server 400 transmits the securities transaction login screen to the customer terminal 200 (678). When the customer terminal 200 receives the securities transaction login screen from the securities server 400 (769), the securities transaction login screen is displayed on the display unit 250 (770). This prompts the user 150 to input information necessary to directly log in to the securities system. In the embodiment of the present invention, information necessary for directly logging into the securities server 400 from the customer terminal 200 is a securities account number and a securities login password.

  FIG. 16B shows an example in which a securities transaction login screen 551 is provided on a part of the display screen 550 displayed (770) on the display unit 250. The securities transaction login screen 551 is provided with a cursor 552, a securities account number input area 553, a securities login password input area 554, and a “confirm” button 555. In the event of an emergency, when the customer terminal 200 logs in directly to the securities server 400, the securities account log-in screen 551 enters the securities account number “1012345” of the user 150 in the securities account number input area 553 and the securities login password. Enter the securities login password “edcba (indicated by“ **** ”in FIG. 16B because it is hidden from the viewpoint of security in the actual screen)” in the input area 554 and use the cursor 552 Then, the “confirm” button 555 is pressed. As a result, the securities login information including the login path information “1” indicating that it is a login request from the securities transaction login screen transmitted by the securities server 400 and the entered securities account number and securities login password is stored in the securities server 400. (771). The securities login password is a password set by the user at the time of opening an account and notified only to the user, and is used only for login processing in an emergency.

  When URL information is used as the login path information, when the “Confirm” button 555 is pressed on the securities transaction login screen 551, URL information (login path information) corresponding to the securities transaction login screen 551 is input. The securities login information including the securities account number and the securities login password is transmitted to the securities server 400 (771).

  Upon receiving the securities login information and login path information (772), the securities server 400 accepts only the securities login information transmitted together with the login path information of “1” and performs an authentication process based on the securities login information ( 773). That is, the securities account number and securities login password included in the accepted securities login information are compared with the securities account number and securities login password recorded in the securities customer management information 121 stored in the customer information database 440. The authentication process is performed (773). If the two securities account numbers and the securities login password match, the securities server 400 determines that the authentication by the authentication process is successful, permits login of the customer terminal 200, and transmits a securities transaction screen to the customer terminal 200. (774).

  Thus, by using the login path information for authentication, it is possible to perform more reliable authentication work.

  When the customer terminal 200 receives the securities transaction screen (775), it displays the securities transaction screen on the display unit 250 (776).

  FIG. 16C shows an example in which a securities transaction screen 561 is provided on a part of the display screen 560 displayed (776) on the display unit 250. The stock transaction screen 561 is provided with a “sell in kind” button 563 and a “spot purchase” button 564. On the securities transaction screen 561, the user 150 can perform online securities transactions with the securities company 120 in the same manner as the securities transaction screen 531 shown in FIG. Note that the securities transaction screen 561 shows only the “sell in kind” button 563 and the “spot purchase” button 564, but other transaction buttons can be provided on the securities transaction screen 561.

  As a result, even when a failure occurs in the bank system for some reason, the user can log in to the securities system by a login process different from the normal time while maintaining a high security level. After logging in, the normal securities system will be provided for securities transactions.

  Next, the operation of the securities server 400 in the embodiment of the present invention will be described with reference to the drawings.

  FIG. 18 is a flowchart showing a processing procedure of authentication processing by the securities server 400.

  First, it is determined whether login information has been received from the bank server 300 (step S901). That is, it is determined whether or not the login information is received by the bank server communication control unit 460. If login information has not been received from the customer terminal 200 (step S901), it is determined whether login information has been received from the customer terminal 200 (step S902). That is, it is determined whether or not login information has been received by the network communication control unit 470. If login information has not been received from the customer terminal 200 (step S902), the operation of the authentication process is terminated.

  When the login information is received from the bank server 300 (step S901), it is determined whether or not the login route information included in the received login information is “0” (step S903). If the login path information included in the received login information is not “0” (step S903), it is determined that the login is illegal and an error screen is transmitted to the device that transmitted the login information (step S910). .

  If the login path information included in the received login information is “0” (step S903), the hash value is calculated based on the character string that forms the authentication processing information included in the login information. The hash value and the hash value included in the authentication processing information are compared, and it is determined whether or not these hash values match (step S905). If the calculated hash value matches the hash value included in the authentication processing information (step S905), the bank account number, the securities account number, the securities login ID, and the securities that are extracted from the authentication processing information, The bank account number, securities account number, and securities login ID recorded in the customer management information 121 are compared, and it is determined whether or not they match (step S906).

  If the bank account number, securities account number, and securities login ID extracted from the authentication processing information match the bank account number, securities account number, and securities login ID recorded in the securities customer management information 121 (step In step S906, it is determined that the authentication is successful, and a securities transaction screen is transmitted to the customer terminal 200 via the network 140 (step S907).

  On the other hand, if the hash value calculated in step S904 does not match the hash value included in the authentication processing information (step S905), or the bank account number, securities account number, and securities login ID extracted from the authentication processing information If the bank account number, the securities account number, and the securities login ID recorded in the securities customer management information 121 do not match (step S906), the device that is determined to be an unauthorized login and that has transmitted the login information An error screen is transmitted to (step S910).

  When the login information is received from the customer terminal 200 (step S902), it is determined whether or not the login route information included in the received login information is “1” (step S908). If the login path information included in the received login information is not “1” (step S908), it is determined that the login is illegal and an error screen is transmitted to the device that transmitted the login information (step S910). .

  If the login path information included in the received login information is “1” (step S908), the securities account number and the securities login password included in the login information and the securities recorded in the securities customer management information 121 are stored. The account number and the securities login password are compared, and it is determined whether or not they match (step S909).

  When the securities account number and the securities login password included in the login information match the securities account number and the securities login password recorded in the securities customer management information 121 (step S909), it is determined that the authentication is successful. The securities transaction screen is transmitted to the customer terminal 200 via the network 140 (step S907).

  On the other hand, if the securities account number and securities login password included in the login information do not match the securities account number and securities login password recorded in the securities customer management information 121 (step S909), the login is invalid. The error screen is transmitted to the device that transmitted the login information (step S910).

  As described above, in the normal case, in the authentication process when logging in from the bank server 300 to the securities server 400, the use of login information including two types of login IDs and login path information invisible to the user improves safety. be able to.

  In an emergency, in the authentication process when directly logging in to the securities server 400 from the customer terminal 200, the security can be improved by using the securities account number, the securities login password, and the login path information. Further, by directly logging in, even when the bank system is down, operations (such as stock trading orders) closed by the securities system can be performed from the customer terminal 200. In this case, even if the banking system is down, because the status management (trading information) is provided for each securities account in the storage unit in the securities system as usual, even if there is a transaction in the securities system, Based on this information, the securities account balance information is updated, and funds are managed.

  Next, when the user 150 is conducting online securities transactions with the securities server 400 via the network 140 with the fund transfer status set to normal, the customer's bank account and the customer's securities account. Will be described in detail with reference to the drawings.

  FIGS. 19 to 21 are diagrams illustrating an example of a display screen for performing the account transfer displayed on the display unit 250 when the customer terminal 200 is logged in to the securities server 400 via the network 140. This display screen will be described in detail with reference to the sequence chart shown in FIG.

  FIG. 22 is a sequence chart showing the account transfer process when the customer terminal 200 is logged in to the securities server 400 via the network 140. In this example, a case where Koda (user 150) performs an account transfer process using the customer terminal 200 will be described.

  First, in the securities transaction screen displayed on the customer terminal 200, when an operation input for requesting an account transfer screen is received by the operation reception unit 260, an account transfer screen request is transmitted to the securities server 400 ( 821). When the securities server 400 receives an account transfer screen request from the customer terminal 200 (822), the deposit balance 454 of Koda's securities account stored in the securities account database 450 is acquired as securities account balance information (823). For example, “2,000,000 yen” of the deposit balance 454 of Koda in the securities account database 450 shown in FIG. 7 is acquired.

  Subsequently, a transmission request for the deposit balance of Koda's savings account is transmitted to the bank server 300 via the dedicated line 130 (824). When the bank server 300 receives the Koda bank account balance information request (825), it sends the deposit balance of Koda's savings account to the securities server 400 (826). For example, “1,000,000 yen” of the deposit balance 354 of Koda in the ordinary deposit account database 350 shown in FIG. 4 is transmitted.

  When the securities server 400 receives the deposit balance of Koda from the bank server 300 (827), the securities server 400 confirms Koda's transfer reservation money stored in the transfer reservation money memory 490 and stores the transfer reservation money of Koda in the transfer reservation money memory 490. If gold exists, Koda's transfer reservation money is acquired from the transfer reservation money memory 490 (828). For example, as shown in FIG. 7, since “500,000 yen” is stored as the transfer reservation amount 494 for Koda in the transfer reservation money memory 490, the transfer reservation money “500” for Koda is transferred from the transfer reservation money memory 490. , 000 yen "is acquired.

  Subsequently, the securities server 400 transmits an account transfer screen in which the deposit balance of the acquired ordinary deposit account, the deposit balance of the securities account, and the transfer reservation deposit is described to the customer terminal 200 (829). When the customer terminal 200 receives the account transfer screen from the securities server 400 (830), the received account transfer screen is displayed on the display unit 250 (831).

  FIG. 19 is a diagram showing an account transfer screen 630 which is an example of a display screen displayed (831) on the display unit 250. The account transfer screen 630 includes a cursor 631, a bank account and securities account deposit balance display area 632, an “update” button 633, a transfer category selection area 634, a transfer amount input area 635, and a “confirm transfer” button. 636 and a “Clear” button 637 are provided.

  In the bank account and securities account deposit balance display area 632, the deposit balance of the ordinary account acquired by the securities server 400, the deposit balance of the securities account, and the transfer reserve are displayed. For example, “2,000,000 yen” of Koda's deposit balance 454 in the securities account database 450 shown in FIG. 7 is displayed in the “transferable amount” column of “securities account (yen)”. In addition, the transfer reservation money “500,000 yen” of Koda in the transfer reservation money memory 490 shown in FIG. 7 is displayed in the “transfer reservation amount” column of “securities account (yen)”. Also, “1,000,000 yen” of the deposit balance 354 of Koda in the ordinary deposit account database 350 shown in FIG. 4 is displayed in the “transferable amount” column of “bank account (yen)”.

  Here, the transfer reservation amount is the amount of money that is not transferred to each account on the same day when a transfer instruction is issued in a batch processing time zone that is a time zone other than the immediate transfer time zone where the transfer processing is performed on the same day. It is shown. This batch process is a process performed for system maintenance of the bank 110 or the like. The immediate transfer time zone and the batch processing time zone will be described in detail with reference to FIG.

  For example, in the transfer reservation money memory 490 shown in FIG. 7, funds of “500,000 yen” are reserved when transferring from Koda's securities account to Koda's savings account. It is shown that.

  The “update” button 633 is a button to be pressed when acquiring the latest deposit balance for the deposit balance of the ordinary deposit account. When the “update” button 633 is pressed, the securities server 400 acquires the latest deposit balance from the bank server 300 and displays the latest deposit balance in the deposit balance display area 632 of the ordinary deposit account and the securities account. it can.

  Here, the case where the “update” button 633 is pressed will be described in detail with reference to FIG. When the “update” button 633 is pressed on the account transfer screen 630, the latest deposit balance request for the ordinary deposit account is transmitted to the securities server 400 (832). When the securities server 400 receives the latest deposit balance request from the customer terminal 200 (833), it transmits a transmission request for the deposit balance of Koda's ordinary deposit account to the bank server 300 via the dedicated line 130 (834). When the bank server 300 receives the Koda bank account balance information request (835), the deposit balance of Koda's savings account is transmitted to the securities server 400 (836). In this case, the latest deposit balance of Koda's savings account at the present time is transmitted.

  When the securities server 400 receives the deposit balance of Koda's savings account from the bank server 300 (837), the latest deposit balance of the savings account received, the deposit balance of the securities account, and the transfer deposit are entered. The sent account transfer screen is transmitted to the customer terminal 200 (838). When the customer terminal 200 receives the account transfer screen from the securities server 400 (839), the received account transfer screen is displayed on the display unit 250 (840).

  Since there is a possibility that transfer to a savings account or a debit process to a third party may occur in the savings account, it is important to obtain the latest information during the transfer process. With the “update” button 633, the latest information on the deposit balance of the savings account can be obtained.

  The transfer category selection area 634 is an area that allows the customer to select the direction of the account transfer process. That is, it is possible to select one of the radio buttons of the transfer process of “securities account → bank account” or the transfer process of “bank account → secury account” using the cursor 631.

  The transfer amount input area 635 is an area for inputting a transfer amount to be transferred by the transfer process checked in the transfer category selection area 634.

  A “transfer confirmation” button 636 is a button that is pressed to proceed to the account transfer confirmation screen 640 shown in FIG. 21 after the transfer process is checked in the transfer category selection area 634 and the transfer amount is input in the transfer amount input area 635. It is.

  A “clear” button 637 is a button to be pressed when the transfer amount checked in the transfer category selection area 634 or the transfer amount input in the transfer amount input area 635 is deleted.

  As shown in FIG. 19, since it is possible to select deposits and withdrawals for securities accounts and bank accounts on one screen, there is no need to present screens individually to the user, and a smooth and convenient transaction tool Provision is possible. In addition, since the user can select funds transfer between bank and securities accounts on one screen, the latest information can be obtained by the update button. If the bank account funds are small, the user can immediately judge and select from the securities account to the bank account.

  FIG. 20 shows that the transfer process of “securities account → bank account” is checked in the transfer category selection area 634 on the account transfer screen 630 shown in FIG. 19, and “1,000,000” is transferred as the transfer amount in the transfer amount input area 635. It is a figure which shows the case where is input. When the “transfer confirmation” button 636 is pressed using the cursor 641 on the account transfer screen 630 illustrated in FIG. 20, the account transfer confirmation screen 640 illustrated in FIG. 21 is displayed.

  FIG. 21 is a diagram illustrating an account transfer confirmation screen 640 that is an example of a display screen displayed after the “transfer confirmation” button 636 is pressed on the account transfer screen 630 illustrated in FIG. 20. On the account transfer confirmation screen 640, a cursor 641, an account transfer content display area 642, a securities execution password input area 643, a “transfer” button 644, and a “return” button 645 are provided.

  The account transfer content display area 642 includes the transfer process checked in the transfer category selection area 634 on the account transfer screen 630 shown in FIGS. 19 and 20, the transfer amount input in the transfer amount input area 635, the transfer date, This is an area for displaying the contents of each account transfer so that the customer can confirm. For example, “2007/12/08” is displayed as the transfer date, “securities account → bank account” is displayed as the transfer category, and “1,000,000 yen” is displayed as the transfer amount.

  The securities execution password input area 643 is an area for inputting a securities execution password for identity verification when executing the account transfer process with the contents displayed in the account transfer content display area 642.

  The “transfer” button 644 is a button to be pressed after the securities execution password is input to the securities execution password input area 643 when executing the account transfer processing with the contents displayed in the account transfer details display area 642. . That is, when the customer presses the “transfer” button 644 after inputting the securities execution password in the securities execution password input area 643, the account transfer process is executed by the securities server 400. In this account transfer process, the securities server 400 performs the securities execution password authentication process, and when it is determined that the authentication is successful, the securities server 400 transmits a fund deposit or withdrawal request to the bank server 300. Is done. The account transfer process will be described in detail with reference to FIGS.

  The “return” button 645 is a button that is pressed when displaying the account transfer screen 630 displayed immediately before, for example, when the content displayed in the account transfer content display area 642 is corrected.

  FIG. 23 is a diagram showing an outline of the time zone of the account transfer process performed in the bank 110. The account transfer process performed in the bank 110 is processed according to two time zones, an immediate transfer time zone t42 and batch processing time zones t41 and t43.

  The immediate transfer time zone t42 is a time zone during which the account transfer process is performed when the bank server 300 receives the account transfer instruction.

  The batch processing time zones t41 and t43 are time zones in which the bank server 300 that has received the account transfer instruction does not perform the account transfer process at that time and performs the account transfer process when a predetermined time comes. For example, the time zone from 5 am to 4 pm can be set as the immediate transfer time zone t42, and the time zone from 4 pm to 5 am on the next day can be set as the batch processing time zones t41 and t43.

  Here, in the embodiment of the present invention, in the account transfer process from the securities account to the bank account, the funds move after the batch process is completed. In the batch process, an accounting process according to the transaction status of each customer is performed, and the securities company 120 performs settlement from the bank account of the securities company 120 based on the accounting process. In this case, in order to prevent settlement of the securities company 120 due to withdrawal of funds from the bank account of the securities company 120 (customer's securities account), the bank of the securities company 120 is closed during the daily closing time period. Suddenly the unexpected outflow of funds from the account (customer's securities account) (which the securities company cannot predict).

  Next, the operation of the securities server 400 in the embodiment of the present invention will be described with reference to the drawings.

  FIG. 24 is a flowchart showing the procedure of the account transfer process by the securities server 400. In this example, a case where the account transfer process is performed by an operation input of the user 150 in a state where the customer terminal 200 is logged in to the securities server 400 via the network 140 will be described.

  First, it is determined whether an account transfer instruction from the customer terminal 200 has been received (step S940). For example, when the “transfer” button 644 is pressed on the account transfer confirmation screen 640 shown in FIG. 21, an account transfer instruction is transmitted from the customer terminal 200 to the securities server 400 via the network 140. If the account transfer instruction from the customer terminal 200 has not been received (step S940), the operation of the account transfer process is terminated.

  When an account transfer instruction is received from the customer terminal 200 (step S940), it is determined whether the instructed account transfer is an account transfer from a securities account to a bank account (step S941). When the instructed account transfer is an account transfer from a securities account to a bank account (step S941), it is determined whether or not the current time is included in the batch processing time zone (step S942). When the current time is included in the batch processing time zone (step S942), the transfer amount designated by the account transfer instruction is recorded in the transfer reservation money memory 490 (step S947), and the account transfer process is terminated. To do.

  On the other hand, when the current time is not included in the batch processing time zone (step S942), the batch processing database 455 is updated based on the transfer amount instructed by the account transfer instruction (step S943). That is, an amount obtained by subtracting the designated transfer amount from the deposit balance of the Koda securities account recorded in the batch processing database 455 is used as the updated deposit balance of the Koda securities account.

  Subsequently, the securities account database 450 is updated based on the transfer amount specified by the account transfer instruction (step S944). That is, an amount obtained by subtracting the designated transfer amount from the deposit balance of Koda's securities account recorded in the securities account database 450 is used as the updated deposit balance of Koda's securities account.

  Subsequently, a deposit processing request is sent to the bank server 300, which is a request to withdraw the transfer amount instructed by the account transfer instruction from the bank account of the securities company 120 and deposit it into Koda's bank account (step). S945). Then, it is determined whether or not a deposit processing completion notification, which is a notification that the deposit processing to the bank account of Koda has been completed, has been received from the bank server 300 (step S946). If the deposit processing completion notification is not received from the bank server 300 (step S946), the monitoring is continued until the deposit processing completion notification is received from the bank server 300. When the payment process completion notification is received from the bank server 300 (step S946), the operation of the account transfer process is terminated.

  Further, when the instructed account transfer is an account transfer from a bank account to a securities account (step S941), the transfer amount instructed by the account transfer instruction is withdrawn from the bank account of Koda, and a securities company A withdrawal processing request which is a request for depositing into the bank account 120 is transmitted to the bank server 300 (step S948). Then, it is determined whether or not a withdrawal processing completion notification, which is a notification that the withdrawal processing of Koda's bank account has been completed, has been received from the bank server 300 (step S949). If the withdrawal processing completion notification is not received from the bank server 300 (step S949), the monitoring is continued until the withdrawal processing completion notification is received from the bank server 300.

  When a withdrawal processing completion notification is received from the bank server 300 (step S949), it is determined whether or not the current time is included in the batch processing time zone (step S950). When the current time is included in the batch processing time zone (step S950), the securities account database 450 is updated based on the transfer amount instructed by the account transfer instruction (step S953). That is, an amount obtained by adding the designated transfer amount to the deposit balance of the Koda securities account recorded in the securities account database 450 is used as the updated deposit balance of the Koda securities account. And the operation | movement of an account transfer process is complete | finished.

  On the other hand, when the current time is not included in the batch processing time zone (step S950), the batch processing database 455 is updated based on the transfer amount instructed by the account transfer instruction (step S951). That is, an amount obtained by adding the designated transfer amount to the deposit balance of the Koda securities account recorded in the batch processing database 455 is used as the updated deposit balance of the Koda securities account.

  Subsequently, the securities account database 450 is updated based on the transfer amount specified by the account transfer instruction (step S952). That is, an amount obtained by adding the designated transfer amount to the deposit balance of the Koda securities account recorded in the securities account database 450 is used as the updated deposit balance of the Koda securities account. And the operation | movement of an account transfer process is complete | finished.

  FIG. 25 is a flowchart showing the procedure of the account transfer process by the securities server 400. In this example, the account transfer process performed at a predetermined time when the account transfer process shown in FIG. 24 is performed in the batch processing time zone will be described.

  First, it is determined whether or not a predetermined time has come (step S960). If it is not the predetermined time (step S960), the operation of the account transfer process is terminated. When the predetermined time has come (step S960), the batch processing database 455 is updated based on the securities account information recorded in the securities account database 450 (step S961). Thereby, the transfer amount of the account transfer from the bank account to the securities account performed in the batch processing time zone is reflected in the database 455 for batch processing.

  Subsequently, it is determined whether or not a transfer reservation money is recorded in the transfer reservation money memory 490 (step S962). If the transfer reservation money is not recorded in the transfer reservation money memory 490 (step S962), the operation of the account transfer process is terminated. On the other hand, when the transfer reservation money is recorded in the transfer reservation money memory 490 (step S962), the batch processing database 455 is updated based on the transfer reservation money recorded in the transfer reservation money memory 490. (Step S963). Subsequently, the securities account database 450 is updated based on the securities account information recorded in the batch processing database 455 (step S964). Thereby, the transfer amount of the account transfer from the securities account to the bank account performed in the batch processing time zone is reflected in the securities account database 450 and the batch processing database 455.

  Subsequently, the transfer reservation money recorded in the transfer reservation money memory 490 is deleted (step S965). Subsequently, a deposit processing request is transmitted to the bank server 300, which is a request to deposit the transfer reservation amount recorded in the transfer reservation money memory 490 into Koda's bank account (step S966). Then, it is determined whether or not a deposit processing completion notification, which is a notification that the deposit processing to the bank account of Koda has been completed, has been received from the bank server 300 (step S967). If the deposit processing completion notification is not received from the bank server 300 (step S967), the monitoring is continued until the deposit processing completion notification is received from the bank server 300. When the payment process completion notification is received from the bank server 300 (step S967), the operation of the account transfer process is terminated.

  In the above, when a customer purchases a security, the purchase is made using the balance of the security account recorded in the security server 400, and if necessary, funds are transferred between the security account and the bank account manually operated by the user. An example of exchange was described. Here, when a customer purchases securities, the customer's deposit balance in the bank account is confirmed directly, and if the bank account contains a deposit balance that can be purchased, the securities using the funds in the bank account are used. An example of transferring funds directly to a customer's bank account when a customer sells securities is described.

  First, a setting method for setting automatic as the fund transfer status will be described in detail with reference to the drawings.

  FIG. 26 is a diagram showing an example of a display screen for setting automatic as the fund transfer status when the customer terminal 200 is logged in to the securities server 400 via the network 140. This display screen will be described in detail with reference to the sequence chart shown in FIG.

  FIG. 27 is a sequence chart showing the fund transfer status setting process when the customer terminal 200 is logged in to the securities server 400 via the network 140. In this example, a case where Koda (user 150) uses the customer terminal 200 to set automatic as the money transfer status will be described.

  When the stock transaction screen 531 shown in FIG. 14C is displayed on the display unit 250 of the customer terminal 200 (1001), when the “automatic fund transfer status setting” button 535 is pressed, automatic fund transfer status setting is performed. A screen request is transmitted to the securities server 400 (1002). When the securities server 400 receives an automatic fund transfer status setting screen request from the customer terminal 200 (1003), it transmits an automatic fund transfer status setting screen to the customer terminal 200 (1004). When the customer terminal 200 receives the automatic fund transfer status setting screen from the securities server 400 (1005), the received automatic fund transfer status setting screen is displayed on the display unit 250 (1006).

  FIG. 26 is a diagram showing an automatic fund transfer status setting screen 660 which is an example of a display screen displayed (1006) on the display unit 250. The automatic fund transfer status setting screen 660 includes a cursor 661, a securities account information display area 662, a bank account information display area 663, a setting guidance display area 664, a securities execution password input area 665, and a “confirm” button 666. And a “return” button 667.

  The securities account information display area 662 is an area where information related to the securities account owned by the user 150 is displayed. As information on the securities account, for example, a holder 451 and a securities account number 452 stored in the securities account database 450 are displayed. In FIG. 26, the securities account number “1012345” of Ichiro Koda and the nominee “Ichiro Koda” are displayed.

  The bank account information display area 663 is an area in which information related to the bank account owned by the user 150 is displayed. As information on the bank account, for example, a holder 351 and a bank account number 353 stored in the ordinary deposit account database 350 are displayed. In FIG. 26, the bank account number “012345” of Ichiro Koda and the nominee “Ichiro Koda” are displayed.

  The setting guidance display area 664 is an area for displaying a guidance sentence or the like indicating an operation method or the like when automatic is set as the fund transfer status on the automatic fund transfer status setting screen 660.

  The securities execution password input area 665 is an area for inputting a securities execution password for identity verification when the automatic funds transfer status setting process is executed with the contents displayed on the automatic funds transfer status setting screen 660.

  The “confirm” button 666 is a button to be pressed after inputting the securities execution password in the securities execution password input area 665 when executing the automatic funds transfer status setting processing with the contents displayed on the automatic funds transfer status setting screen 660. It is.

  The “return” button 667 is a button to be pressed when displaying the securities transaction screen 531 displayed immediately before.

  When the automatic fund transfer status setting screen 660 shown in FIG. 26 is displayed on the display unit 250 (1006), the user 150 uses the cursor 661 after the securities execution password is input to the securities execution password input area 665. When the “confirm” button 666 is pressed, the customer terminal 200 transmits the securities execution password input in the securities execution password input area 665 to the securities server 400 (1007).

  When the securities server 400 receives the securities execution password from the customer terminal 200 (1008), authentication processing is executed based on the securities execution password from the customer terminal 200 (1009). For example, the authentication process is executed based on whether or not the securities execution password 126 of the securities customer management information 121 stored in the customer information database 440 matches. If this authentication is successful, “automatic” is set as the fund transfer status (1011) in the batch processing (1010) performed by the securities server 400 during a predetermined time period. Specifically, “1” is stored in the funds transfer status 128 of the securities customer management information 121 corresponding to the bank account number of Koda Ichiro, and the deposit balance 454 of the securities account database 450 corresponding to the bank account number of Koda Ichiro, Then, the deposit balance 459 of the batch processing database 455 is subtracted to zero.

  Subsequently, the securities server 400 transmits setting information indicating that “automatic” is set as the fund transfer status to the bank server 300 (1012). This setting information is information for transferring funds related to the ownership of Ichiro Koda in the savings account 120's savings account to the savings account of Ichiro Koda. When the bank server 300 receives this setting information (1013), “automatic” is set as the fund transfer status (1014). Specifically, “1” is stored in the fund transfer status 118 of the bank customer management information 111 corresponding to the bank account number of Ichiro Koda, the deposit balance 454 of Ichiro Koda in the securities account database 450, and the database for batch processing The amount subtracted from the deposit balance 459 of Ichiro Koda at 455 is subtracted from the deposit balance 354 of the securities company in the ordinary deposit account database 350. On the other hand, the subtracted amount is added to the deposit balance 354 of Ichiro Koda in the ordinary deposit account database 350. That is, the funds of Ichiro Koda's securities account are transferred to the bank account. In the embodiment of the present invention, an example in which the fund transfer status is recorded in both the bank server 300 and the securities server 400 will be described. However, the fund transfer status may be recorded only in the securities server 400.

  Here, a brief description will be given of the management of funds of users who are deposited in a securities account of a securities company. Generally, in order to protect the user even if the securities company fails, the securities company separates and stores the funds deposited from the user and its own funds (separate storage).

  For example, when funds are transferred from a bank account to a securities account using the account transfer screen shown in FIG. 19 to FIG. 21, the securities company transfers the funds transferred to the securities account to a contracted trust bank. Deposit. In practice, the brokerage firm checks the deposit balance of the user's securities account once a week by nightly batch processing, and withdraws the difference from the trust bank to the deposit account of the brokerage firm. Or deposit.

  When a user purchases stock through a securities company, theoretically, the securities company withdraws the user's funds from a trust bank and purchases the stock using the funds drawn. . However, in reality, in many cases, the user's stock is purchased with funds (holding money) owned by a securities company and funds deposited by another person during batch processing. That is, the stock in the deposit account of the securities company is used as it is, and the stock is purchased, and consistency with the trust bank is obtained by the difference in the deposit balance of the user confirmed every other week. As described above, when the user's funds are deposited in the securities account of the securities company, it is necessary to calculate the difference for each week for the deposit balance of the user.

  On the other hand, when automatic is set as the fund transfer status, the securities company does not need to perform separation management by setting the securities purchase margin (securities account) to 0. Thereby, it is not necessary to perform the difference calculation for every week about a user's deposit balance. In addition, since there is no need to transfer funds with the trust bank, the load related to the transfer of funds can be systematically reduced. Furthermore, since the user does not have to deposit funds for stock purchases at a securities company, interest in the bank can be obtained.

  In this example, the example of setting the funds transfer status at the time of batch processing has been described. However, after successful authentication of the securities execution password from the customer terminal 200, the funds transfer status is set immediately. Alternatively, the fund transfer status may be set after a predetermined time has elapsed. In addition, here, an example is described in which the deposit balance of the securities account of Koda Ichiro is set to 0 when “automatic” is set as the funds transfer status. It may be left in the securities account of Ichiro Koda. Further, when “normal” is set as the fund transfer status, the normal fund transfer status setting screen 670 shown in FIG. 28 is used for setting.

  FIG. 28 is a diagram showing an example of a display screen for setting “normal” as the fund transfer status when the customer terminal 200 is logged in to the securities server 400 via the network 140. The normal fund transfer status setting screen 670 is provided with a cursor 671, a setting guidance display area 672, a securities execution password input area 673, a “confirm” button 674, and a “return” button 675. Since these are the same as those described with reference to FIG. 26, description thereof is omitted here. Also, the setting performed using the normal fund transfer status setting screen 670 is almost the same as the sequence chart shown in FIG. 27, and thus the description thereof is omitted here. Further, when the customer terminal 200 is logged in to the securities server 400 via the network 140, the securities server 400 displays a fund transfer status selection screen for the user to select “automatic” or “normal” as the fund transfer status. It may be transmitted to the customer terminal 200 and the fund transfer status selection screen may be used by the user to select and set the fund transfer status.

  FIG. 29 is a flowchart showing a processing procedure of automatic fund transfer status setting processing by the securities server 400. Here, an example in which the automatic fund transfer status setting process is performed in the batch processing time zone will be described.

  First, it is determined whether an automatic fund transfer status setting screen request has been received (step S1201). If an automatic fund transfer status setting screen request has been received (step S1201), the currently set fund transfer is determined. It is determined whether or not the status is “automatic” (step S1202). That is, it is determined whether or not “1” is stored in the fund transfer status 128 of the securities customer management information 121 corresponding to the bank account number related to the customer terminal that has transmitted the automatic fund transfer status setting screen request.

  When the currently set fund transfer status is “automatic” (step S1202), a notification that the currently set fund transfer status is “automatic” transmits an automatic fund transfer status setting screen request. Is transmitted to the customer terminal (step S1203).

  If the currently set fund transfer status is not “automatic” (step S1202), an automatic fund transfer status setting screen is transmitted to the customer terminal that has transmitted the automatic fund transfer status setting screen request (step S1204).

  Subsequently, it is determined whether or not a securities execution password has been received (step S1205). When the securities execution password is received (step S1205), an authentication process is executed based on the received securities execution password (step S1206). Subsequently, it is determined whether or not a predetermined time in the batch processing time zone has been reached (step S1207). When the predetermined time in the batch processing time zone has come (step S1207), the fund transfer status of the customer who has succeeded in the security execution password authentication processing is set to “automatic” (step S1208).

  Next, in the case where the user 150 conducts online securities transactions with the securities server 400 via the network 140, a case where a stock trading transaction screen for trading stocks is displayed will be described in detail with reference to the drawings. Explained.

  30 and 31 are diagrams showing display screens displayed on the display unit 250 of the customer terminal 200. FIG. This display screen will be described in detail with reference to the sequence chart shown in FIG.

  FIG. 32 is a sequence chart showing a stock trading transaction screen display process when the customer terminal 200 is logged in to the securities server 400.

  The stock brand selection screen 680 shown in FIG. 30 includes a cursor 681, a total amount 682 indicating the total amount of the balance of the securities account and the stock evaluation value recorded in the stock trading history memory 590, and a stock trading history memory 590. Is calculated based on the brand name (code) 683 indicating the brand name and brand code recorded in the column, the quantity 684 indicating the quantity of the stock, the market price 685 indicating the market price of the stock, and the quantity and market price of the stock. Is displayed (1021). Note that stock information acquired via the network communication control unit 470 may be displayed on the stock name selection screen 680.

  When the character part of the brand name displayed on the brand (code) 683 is clicked by the cursor 681 (1022), the customer terminal 200 issues a stock trading transaction screen request regarding the brand of the clicked stock to the securities server 400. (1023). When the stock server transaction screen request from the customer terminal 200 is received by the securities server 400 (1024), a purchase margin confirmation process is executed (1025 to 1031).

  That is, the securities server 400 obtains and confirms the amount stored in the securities account database 450 as the securities purchase margin (1025). For example, the value of the deposit balance 454 of Ichiro Koda stored in the securities account database 450 shown in FIG. 7 is acquired. As described above, in the embodiment of the present invention, if there is no sale of stocks on the same day, the securities purchase margin is zero. Subsequently, the securities server 400 transmits a bank deposit balance confirmation request for acquiring the bank deposit balance of the bank 110 to the bank server 300 (1026). When the bank server 300 receives a bank deposit balance confirmation request from the securities server 400 (1027), a bank deposit balance confirmation process is executed (1028). That is, the value of the deposit balance 354 of Ichiro Koda stored in the ordinary deposit account database 350 is acquired. Subsequently, the bank server 300 transmits bank deposit balance information including the acquired deposit balance value to the securities server 400 (1029).

  When the securities server 400 receives the bank deposit balance information from the bank server 300 (1030), the value of the securities purchase surplus acquired from the securities account database 450 and the value of the bank deposit transmitted from the bank server 300 are added. Then, the reserve capacity is calculated (1031).

  Subsequently, the stock server 400 transmits a stock sales transaction screen including the reserve capacity obtained by calculation to the customer terminal 200 (1032). When the customer terminal 200 receives the stock sales transaction screen from the securities server 400 (1033), the received stock sales transaction screen is displayed on the display unit 250 (1033). For example, in the stock brand selection screen 680 shown in FIG. 30, when the XX company displayed in the brand (code) 683 is clicked by the user 150 who is the operator of the customer terminal 200 (1022), FIG. A stock trading transaction screen 780 of the company XX shown in FIG. 31 is displayed on the display unit 250 (1034).

  FIG. 31 is a diagram illustrating a stock trading screen 780 that is an example of a display screen displayed (1034) on the display unit 250. The stock sales transaction screen 780 includes a cursor 781, a status display area 782, a reserve capacity display area 783, a brand display area 784, a trade classification selection area 785, a market classification selection area 786, and an order quantity input area. 787, an execution condition input area 788, an order deadline selection area 789, an “order” button 790, a “clear” button 791, and a “return” button 792 are provided.

  The status display area 782 is an area for displaying the current funds transfer status setting contents. For example, when “automatic” is set as the fund transfer status, “current fund transfer status is“ automatic ”is displayed as shown in FIG. On the other hand, when “normal” is set as the fund transfer status, “current fund transfer status is“ normal ”” is displayed.

  The reserve capacity display area 783 is an area for displaying the current reserve capacity. That is, the sum of the value of the deposit balance 454 stored in the securities account database 450 and the value of the deposit balance 354 of the ordinary deposit account database 350 is displayed.

  The brand display area 784 is an area for displaying the brand of the stock that is the brand selected on the stock brand selection screen and is the subject of trading.

  The trade classification selection area 785 is an area for selecting a trading method for the stock brand displayed in the brand display area 784. For example, by clicking a radio button of “Buy” or “Sell” using the cursor 781, either selling or buying is selected as a stock trading method.

  The market category selection area 786 is an area for selecting a stock exchange (Tokyo, Osaka, Nagoya, Sapporo, Fukuoka, etc.) for stock trading of the stocks displayed in the stock display area 784. For example, a list of stock exchanges is displayed by clicking a pull-down button using a cursor 781, and a stock exchange is displayed by clicking a desired stock exchange part of the list of stock exchanges using the cursor 781. Select the stock exchange to perform.

  The order quantity input area 787 is an area for inputting the order quantity of the stock brand displayed in the brand display area 784.

  The execution condition input area 788 is an area for selecting an execution condition for the stock brand displayed in the brand display area 784 and inputting an execution price. For example, a pull-down button is clicked using the cursor 781 to display a list of execution conditions such as “limit price” and “marketing”, and a desired execution condition portion of the execution condition list is clicked using the cursor 781. Select the execution condition. When “limit” is selected as the execution condition, the price to be executed is input to the price display area. Note that “marketing” is an execution condition when the buyer purchases the desired quantity of stock without specifying the desired price. “Limit” specifies the desired price and orders the stock. It is an execution condition when doing.

  The order deadline selection area 789 is an area for selecting a time-out period during which the stock brand displayed in the brand display area 784 is desired to be bought and sold. For example, a cursor 781 is used to click a pull-down button to display a list of order deadlines such as “today” and “this week”, and a desired order deadline portion of the order deadline list is clicked using the cursor 781. By selecting the order deadline.

  Here, the general purchase of stock will be briefly described. For example, in the case where “limit” or “marketing” is selected and a purchase order for 10 shares (1 share: 100 yen) is made, if 5 out of 10 shares can be purchased, first, 5 shares are purchased. In addition, the remaining 5 shares of the 10 shares wait in the range of the timeout period set by the user. If the remaining 5 shares cannot be bought even after the time-out period elapses, the purchase order is completed at that time, and the price for the 5 shares purchased is paid.

  The “order” button 790 is a trading category selection area 785, a market category selection area 786, an order quantity input area 787, an execution condition input area 788, and an order deadline selection area for stocks displayed in the brand display area 784. This button is pressed when an order is placed under the conditions selected or input in 789.

  The “clear” button 791 is a button that is pressed when all the contents input or selected on the stock trading screen 780 are deleted.

  The “return” button 682 is a button that is pressed to display the stock brand selection screen that was displayed immediately before.

  FIG. 33 is a flowchart showing the processing procedure of stock trading screen display processing by the securities server 400.

  First, it is determined whether or not a stock sales transaction screen request has been received from a customer terminal (step S1211). When the stock trading transaction screen request is not received from the customer terminal (step S1211), the operation of the stock trading transaction screen display process is terminated. On the other hand, when the stock sales transaction screen request is received from the customer terminal (step S1211), a purchase margin confirmation process regarding the customer of the customer terminal that has transmitted the stock sales transaction screen request is executed (step S1220). The purchase surplus power confirmation process will be described in detail with reference to FIG. Subsequently, the stock sales transaction screen including the surplus purchase capacity obtained by the purchase surplus power confirmation process is transmitted to the customer terminal that has transmitted the stock sales transaction screen request (step S1212).

  FIG. 34 is a flow chart showing a purchasing power confirmation procedure (processing procedure in step S1220 shown in FIG. 33) in the processing procedure of stock trading screen display processing by the securities server 400.

  First, the amount stored in the securities account database 450 as a securities purchase capacity is acquired and confirmed (step S1221). Subsequently, a bank deposit balance confirmation request for acquiring the bank deposit balance of the bank 110 is transmitted to the bank server 300 (step S1222). Subsequently, it is determined whether or not the bank deposit balance information from the bank server 300 has been received (step S1223). If the bank deposit balance information from the bank server 300 has not been received (step S1223), the monitoring is continued until the bank deposit balance information is received.

  When the bank deposit balance information from the bank server 300 is received (step S1223), it is included in the value of the securities purchase surplus acquired from the securities account database 450 and the bank deposit balance information transmitted from the bank server 300. The surplus purchase power obtained by adding the value of the deposit balance of the ordinary deposit account is calculated (step S1224).

  Next, the case of selling stocks (stock certificates) using the stock trading screen will be described in detail with reference to the drawings. In the embodiment of the present invention, when the securities company 120 accepts an order from a customer for securities listed on a domestic stock exchange, the brokerage company 120 concludes an order brokerage. It is assumed that this is a securities company that relays to the stock exchange pertaining to the order via a securities company (hereinafter referred to as a “main store”). In addition, each piece of information performed in these transactions includes the customer's bank account number, and the customer who is the object of transaction is identified by this bank account number.

  FIG. 35 is a sequence chart showing stock sale processing when the customer terminal 200 is logged in to the securities server 400 via the network 140. Here, a case where a purchase order is not placed on the same day by the same customer will be described.

  When the stock sales transaction screen 780 shown in FIG. 31 is displayed on the display unit 250, when the user 150 sells the stock brand displayed in the brand display area 784, the trading section selection area 785 displays “ The user 150 performs an operation of selecting the “selling” radio button. Then, the user 150 performs an input operation or a selection operation on the order deadline selection area 789 from the market category selection area 786 and presses an “order” button 790. For example, as shown in FIG. 31, “TSE” indicating the Tokyo Stock Exchange is selected in the market category selection area 786, “1000” is input in the order quantity input area 787, and execution is performed in the execution condition input area 788. “Limit” is selected as the condition, “100,000” is input as the execution price, and “This week” is selected in the order deadline selection area 789.

  Thus, after inputting each sale condition, the user 150 presses the “Order” button 790. By this depression, the customer terminal 200 transmits stock selling order information including information corresponding to each item for which an input operation or a selection operation has been performed on the stock trading screen 780 to the securities server 400 (1041). When the stock server 400 receives the stock selling order information from the customer terminal 200 (1042), the stock server sells to the main store via the network 140 in order to send the selling order to the stock exchange selected in the market category selection area 786. Order information is transmitted (1043). The sell order information is, for example, information including a market division, an order quantity, an execution condition, an order deadline, and a brand. In addition, the fixed selling amount information transmitted from the main store with respect to the selling order information is information including success / failure of selling, a fixed selling quantity and an amount, for example.

  Subsequently, when the securities server 400 receives the fixed selling price information on the stock exchange from the main store that has transmitted the selling order information (1044), the final fixed selling price is calculated based on the received fixed selling price information, The final fixed selling price obtained by this calculation is reflected in the securities purchase reserve (1045). Here, the final sale price included in the final sale price information received from the main store does not take into account taxes, dividends or distributions, fees for the securities company 120, and the like. For this reason, the final fixed selling price, which is an amount adjusted in consideration of taxes, dividends or distributions, fees to the securities company 120, etc., is calculated for the fixed selling price included in the received fixed selling price information. This final fixed selling price is reflected in the securities purchase capacity. That is, this final fixed selling price is added to the securities account database 450 as a securities purchase margin. For example, when Ichiro Koda places an order to sell stocks, the final fixed selling price is added to the deposit balance 454 of Ichiro Koda in the securities account database 450 as a securities purchase margin.

  In the embodiment of the present invention, an example will be described in which the final fixed sale amount is calculated promptly when the fixed sale amount information is received from the main store. However, when the fixed sale amount information is received from the main store. Reflects the final selling price included in the final selling price information in the securities purchase reserve, calculates the final final selling price when a predetermined time zone such as a batch processing time comes, and uses this final final selling price. You may make it adjust securities reserve power based on it. For example, when the sale information is included in the final sale price information, this adjustment is performed by calculating a difference value between the final sale price and the final final sale price, and depending on the difference value, the securities account database 450 The value of the deposit balance 454 is subtracted or added. It should be noted that the fixed sale amount information is received at different times depending on the content selected in the order deadline selection area 789 and the status of selling on the stock exchange. In addition, when selling only a part of the stock is established with respect to the selling order information, the amount of securities purchase reserve is adjusted on the basis of the fixed selling amount relating to the quantity for which the sale is established.

  Subsequently, the securities server 400 transmits the deposit schedule information including the value of the securities purchase margin after the final fixed selling price is reflected to the bank server 300 (1046). This payment schedule information may be transmitted, for example, in a predetermined time zone such as during batch processing, or may be transmitted promptly after the final fixed selling price is reflected. When the bank server 300 receives the deposit schedule information from the securities server 400 (1047), the amount of the securities purchase surplus value included in the received deposit schedule information is calculated from the saving account of the securities company 120 to the customer's savings account. Move to account (1048). For example, in the savings account database 350, the value of the value of the securities purchase surplus value is transferred from the savings account 120 savings account to Ichiro Koda's savings account.

  Subsequently, the bank server 300 transmits the deposit information including the amount of money transferred from the savings account of the securities company 120 to the customer's savings account and the bank account number of the customer to the securities server 400 (1049). .

  When the securities server 400 receives the deposit information from the bank server 300 (1050), the securities purchase margin is subtracted based on the received deposit information (1051). That is, the transfer amount included in the received payment information is subtracted from the deposit balance 454 of the securities account database 450 corresponding to the bank account number included in the received payment information. Subsequently, the transfer amount included in the received deposit information is stored in the stock trading history memory 590 (1052).

  In addition, after a sell order is placed, the sale is completed and the stock certificate is transferred from the securities company's savings account to the customer's savings account on the delivery date of the stock certificate, which is the date when the fixed sale amount is determined. The same amount of money is transferred from the main store to the savings account 120's savings account.

  Next, the case of purchasing stocks (stock certificates) using the stock trading screen will be described in detail with reference to the drawings.

  FIG. 36 is a sequence chart showing stock purchase processing when the customer terminal 200 logs in to the securities server 400 via the network 140. Here, a case where a selling order is not placed on the same day by the same customer will be described.

  When the stock buying / selling transaction screen 780 shown in FIG. 31 is displayed on the display unit 250, when the user 150 purchases the stock brand displayed in the brand display area 784, The user 150 performs a selection operation of the radio button. Then, the user 150 performs an input operation or a selection operation on the order deadline selection area 789 from the market category selection area 786 and presses an “order” button 790. For example, in the stock trading screen 780 shown in FIG. 31, “TSE” indicating the Tokyo Stock Exchange is selected in the market category selection area 786, “1000” is input in the order quantity input area 787, and execution conditions are input. In the area 788, “execution” is selected as the execution condition, and “this week” is selected in the order deadline selection area 789.

  Thus, after inputting each purchase condition, the user 150 presses the “Order” button 790. By this depression, the customer terminal 200 transmits stock purchase order information including information corresponding to each item for which an input operation or a selection operation is performed on the stock trading screen 780 to the securities server 400 (1059). When the stock purchase order information from the customer terminal 200 is received by the securities server 400 (1060), the network communication control unit 470 obtains stock price information when the stock purchase order information is received (1061), and the purchase surplus capacity is obtained. A confirmation process is executed (1062). This purchasing power confirmation process is the same as the purchasing power confirmation process shown in FIG. The stock price information can be obtained via the network 140 from, for example, a stock exchange, a stock price information provider that provides stock price information, a main store, or the like. In the embodiment of the present invention, the stock price information is acquired from the outside via the network 140, but may be input to the securities server 400 manually or automatically.

  Subsequently, the securities server 400 calculates an approximate purchase contract amount of the brand included in the received stock purchase order information based on the received stock purchase order information and the acquired stock price information ( 1063). The approximate purchase contract amount is obtained, for example, by multiplying the order quantity included in the stock purchase order information by the stock price related to the issue included in the stock purchase order information in the acquired stock price information. . In addition, when the approximate purchase contract amount obtained by calculation is compared with the reserve capacity, and if the reserve capacity is smaller than the approximate purchase contract amount, display information that displays an error message etc. The server 400 transmits to the customer terminal 200. In addition, the difference value, which is a value obtained by subtracting the approximate purchase amount from the reserve capacity (deposit balance of savings account + reserve capacity for securities), is the limiter amount recorded in the limiter amount information 170 (in the case of Ichiro Koda). Is smaller than “500,000 yen”), the security server 400 transmits warning display information for displaying a warning display or the like to the customer terminal 200.

  In this example, there is no sell order on the same day, so the securities purchasing power is zero. For this reason, the approximate purchase contract amount obtained by calculation is set as the bank binding amount, and the securities binding server 400 transmits the bank binding amount information including the bank binding amount to the bank server 300 (1064). The bank binding money information is information for transferring the bank binding amount included in the bank binding money information from the customer's savings account to the customer's separate deposit account. Subsequently, the securities server 400 transmits purchase order information to the main store via the network 140 in order to transmit the purchase order to the stock exchange selected in the market category selection area 786 (1065). The purchase order information is information including, for example, a market classification, an order quantity, an execution condition, an order deadline, and a brand. In addition, in response to this purchase order information, final purchase price information transmitted from the main store is information including success / failure of purchase completion, final purchase quantity and price. The fixed purchase price is a purchase price fixed on the stock exchange for the issue included in the purchase order information.

  When the bank server 300 receives the bank binding information from the securities server 400 (1066), the bank binding amount included in the bank binding information is transferred from the ordinary deposit account of Ichiro Koda of the ordinary deposit account database 350 to the separate deposit account database. It moves to another deposit account of Ichiro Koda of 360 (1067).

  Subsequently, when the securities server 400 receives the final purchase price information on the stock exchange from the main store that has transmitted the purchase order information (1068), the final purchase price information received and the bank server 300 are transmitted. Based on the bank restraint information, an adjustment amount for adjusting the bank restraint amount transferred from the savings account to the separate deposit account is calculated (1069). Here, the final purchase price included in the final purchase price information received from the main store does not take into account a fee for the securities company 120. For this reason, the final final purchase price, which is an amount that takes into consideration the fee to the securities company 120, is calculated for the final purchase price included in the received final purchase price information. For example, when the received final purchase price information includes the completion of the purchase, the final final purchase price calculated for the final purchase price included in the received final purchase price information and the bank server If the final bond purchase amount is smaller than the bank bond amount compared with the bank bond amount included in the bank bond information transmitted to 300, the difference value between the final bond purchase amount and the bank bond amount is , The adjustment amount to be transferred from the separate deposit account of Ichiro Koda in the separate deposit account database 360 to the ordinary deposit account of Ichiro Koda in the ordinary deposit account database 350. On the other hand, if the final fixed purchase amount is greater than the bank-bound amount, the difference between the final fixed purchase amount and the bank-bound amount is calculated from the ordinary deposit account of Ichiro Koda in the ordinary deposit account database 350 as a separate deposit account. It is obtained as an adjustment amount to be transferred to a separate deposit account of Ichiro Koda in the database 360. In addition, if the purchase price information includes a failure to purchase, the value of the approximate purchase price calculated based on the share purchase order information related to this fixed purchase price information is the separate deposit account database. It is determined as an adjustment amount to be transferred from 360 Ichiro Koda's separate savings account to Ichiro Koda's savings account in the savings account database 350.

  Note that the time of receipt of the final purchase price information varies depending on the content selected in the order deadline selection area 789, the status of selling on the stock exchange, and the like. In addition, when a purchase of only a part of the stock is completed with respect to the purchase order information, an adjustment amount is calculated based on the final purchase price related to the quantity for which the purchase is completed. The securities server 400 transmits the bond adjustment information (fund transfer information) including the adjustment amount thus obtained to the bank server 300 (1070). This binding adjustment information is information for transferring the deposit amount in the customer's separate bank account to the bank account of the securities company 120 after the funds are transferred between the customer's bank account and the separate bank account. It is.

  In the embodiment of the present invention, an example in which the final final purchase price is calculated immediately upon receipt of final purchase price information from the main store will be described. However, final purchase price information is received from the main store. In this case, the final final purchase price may be calculated after a predetermined time zone such as a batch processing time zone, and the adjustment amount may be calculated based on the final final purchase price.

  When the bank server 300 receives the binding adjustment information from the securities server 400 (1071), based on the adjustment amount included in the received binding adjustment information, between the separate deposit account of Koda Ichiro and the savings account The bank restraint amount is moved (1072). After the adjustment by the movement of the bank restraint amount between the separate deposit account and the ordinary deposit account is completed (1072), the bank server 300 uses the value of the bank restraint amount after the move as the value of Ichiro Koda in the separate deposit account database 360. From the separate deposit account to the brokerage account saving account of the savings account database 350 (1073).

  After the bank restraint amount has been transferred from the separate deposit account of Ichiro Koda in the separate deposit account database 360 to the ordinary deposit account of the securities company in the ordinary deposit account database 350, the value including the same amount as the bank restraint amount related to this transfer is included. The bank server 300 transmits the deposit information to the securities server 400 (1074).

When the securities server 400 receives the separate deposit information from the bank server 300 (1075), the received separate deposit information is recorded in the separate deposit history memory 580 (1076). In particular,
The bank account number 581 of the separate deposit account before the transfer to the ordinary deposit account of the securities company in the savings account database 350, the moved date 582, and the deposit amount 583 to the securities company are stored in the separate deposit history memory 580. To be recorded.

  Subsequently, the securities server 400 calculates an amount necessary for the purchase of the stock name related to the received extra deposit information (1077). Here, if a sell order is not made by the same customer on the same day, the amount necessary for the purchase is the same as the value recorded in the deposit amount 583 to the securities company in the separate deposit history memory 580. . Subsequently, the amount required for the purchase determined by calculation is recorded in the fixed amount 595 of the stock trading history memory 590 (1078).

  FIGS. 37 and 38 are sequence charts showing stock trading processing when the customer terminal 200 is logged in to the securities server 400 via the network 140. Here, an example will be described in which a purchase order is made after a stock selling order is made on the same day by the same customer, and final purchase price information and final sale price information are received on the same day. Note that 1081 to 1085 shown in FIG. 37 are the same as 1041 to 1045 shown in FIG. 35, and 1086 to 1090 shown in FIG. 37 are the same as 1059 to 1063 shown in FIG. Omitted.

  After the securities server 400 reflects the determined final selling price in the securities purchase margin (1085), the same customer places a purchase order on the same day (1086). In this example, since a sell order is made on the same day, the final fixed sale amount obtained for the sell order is recorded in the securities account database 450 as a securities purchase margin.

  Then, by comparing the estimated purchase contract amount calculated and the securities purchase surplus recorded in the securities account database 450, the bank restraint amount (approximate purchase contract amount-securities purchase surplus) is calculated. Calculated (1091). If the calculated bank bond amount is greater than 0, the entire securities purchase capacity is bound (1092), and the bank bond information including the calculated bank bond amount is obtained. The securities server 400 transmits to the bank server 300 (1093). In this case, the total amount of the securities purchase reserve recorded in the securities account database 450 is subtracted, and the value of the subtracted amount is recorded in the securities purchase reserve memory 570 (shown in FIG. 8). The In addition, the case where the calculated bank restraint amount is 0 or less will be described in detail with reference to FIGS. 39 to 41. Subsequently, the securities server 400 transmits purchase order information to the main store (1094).

  When the bank server 300 receives the bank binding information from the securities server 400 (1095), the bank binding amount included in the bank binding information is transferred from the ordinary deposit account of Ichiro Koda in the ordinary deposit account database 350 to the separate deposit account database. It moves to a separate account of 360 Ichiro Koda (1096).

  Also, the securities server 400 receives firm purchase price information on the stock exchange from the main store that has sent the purchase order information (1097). Note that the reception of the fixed sale amount information and the fixed purchase amount information will be described here as being received in the order of the fixed sale amount information and the fixed purchase amount information, although there is a slight time difference. Subsequently, the securities server 400 calculates an adjustment amount for adjusting the bank restraint amount transferred from the ordinary deposit account to the separate deposit account based on the received final purchase amount information (1098). Specifically, a difference value between the final final purchase price calculated for the final purchase price included in the received final purchase price information and the approximate purchase contract price obtained in 1090 (in the purchase order) The difference value) is calculated, and the difference value related to the purchase order is obtained as an adjustment amount of the binding money. Subsequently, the securities server 400 transmits the bond adjustment information including the calculated adjustment amount to the bank server 300 (1099).

  When the bank server 300 receives the binding adjustment information from the securities server 400 (1100), based on the adjustment amount included in the received binding adjustment information, between the separate deposit account of Koda Ichiro and the savings account The bank restraint amount is moved (1101). After the adjustment by the movement of the bank restraint amount between the separate deposit account and the ordinary deposit account is completed (1101), the bank server 300 uses the value of the bank restraint amount after the move as the value of Ichiro Koda in the separate deposit account database 360. To the savings account saving account of the savings account database 350 (1102).

  After the bank restraint amount has been transferred from the separate deposit account of Ichiro Koda in the separate deposit account database 360 to the ordinary deposit account of the securities company in the ordinary deposit account database 350, the value including the same amount as the bank restraint amount related to this transfer is included. The bank server 300 transmits the deposit information to the securities server 400 (1103).

  When the securities server 400 receives the separate deposit information from the bank server 300 (1104), the received separate deposit information is recorded in the separate deposit history memory 580 (1105). Subsequently, the securities server 400 calculates an amount necessary for the purchase of the stock name related to the received extra deposit information (1106). In this example, since a sell order is placed on the same day by the same customer, the amount required for the purchase is the value of the restricted securities purchase surplus recorded in the securities purchase reserve capacity memory 570 (securities The total amount of surplus purchase power) and the value recorded in the deposit amount 583 to the securities company in the separate deposit history memory 580. Subsequently, the value of the securities purchase surplus used for the amount necessary for the purchase is subtracted from the securities purchase surplus binding money memory 570 (1107). Subsequently, the amount required for the purchase determined by calculation is recorded in the fixed amount 595 of the stock trading history memory 590 (1108).

  39 and 40 are sequence charts showing stock trading processing when the customer terminal 200 is logged in to the securities server 400 via the network 140. FIG. Here, a case where the bank restraint amount obtained in 1091 shown in FIG. 37 is 0 or less will be described. Note that 1081 to 1091, 1094, 1097, and 1102 to 1108 shown in FIGS. 39 and 40 are the same as 1081 to 1091, 1094, 1097, and 1102 to 1108 shown in FIGS. Is omitted.

  If the bank restraint amount obtained in 1091 is 0 or less, the securities server 400 restrains a part of the securities purchase surplus power (approximate purchase contract amount) (1109). Based on the final final purchase price calculated for the final purchase price included in the received final purchase price information and the approximate purchase contract price obtained in 1090, In step 1110, it is confirmed whether or not the adjustment of the difference of the binding money is possible. That is, the difference value between the final confirmed purchase price and the approximate purchase contract amount (difference value related to the purchase order) is calculated, and the adjustment based on the difference value related to this purchase order is within the scope of the securities purchase reserve. It is confirmed whether it is possible. In this example, a case will be described in which the adjustment of the difference in binding money is not possible within the range of the securities purchase reserve.

  If it is not possible to adjust the difference in binding money within the scope of the securities purchase surplus, the securities server 400 confirms the reserve power (1111), constrains the total amount of the securities purchase surplus, and purchase orders. Based on the difference value, the adjustment amount exceeding the securities purchase reserve is calculated as the bank binding amount, and the bank binding information including the bank binding amount is transmitted to the bank server 300 by the securities server 400 (1112). In addition, when confirmation of the reserve capacity is made (1111) and the reserve capacity is insufficient after the adjustment, notification information including a message to that effect is transmitted to the customer terminal 200.

  When the bank server 300 receives the bank binding information from the securities server 400 (1113), the bank binding amount included in the received bank binding information is transferred from the ordinary deposit account of Koda Ichiro to the customer's separate deposit account. (1114).

  FIG. 41 is a sequence chart showing stock trading processing when the customer terminal 200 is logged in to the securities server 400 via the network 140. Here, the case where the difference adjustment of the binding money can be adjusted within 1110 shown in FIG.

  When the difference in binding money can be adjusted within the range of the securities purchase surplus (1110), the securities server 400 determines the binding amount within the range of the securities purchase reserve based on the difference value related to the purchase order. The difference is adjusted (1120).

  Subsequently, the securities server 400 transmits the deposit schedule information including the adjusted value of the securities purchase margin to the bank server 300 (1121). When the bank server 300 receives the deposit schedule information from the securities server 400 (1122), the amount of the securities purchase surplus value included in the received deposit schedule information is calculated from the ordinary deposit account of the securities company 120 by Ichiro Koda. It moves to a deposit account (1123).

  Subsequently, the bank server 300 transmits to the securities server 400 payment information including the amount transferred from the savings account 120's saving account to the customer's savings account and the customer's bank account number (1124). .

  When the securities server 400 receives the deposit information from the bank server 300 (1125), it calculates an amount necessary for the purchase of stocks related to the amount constrained within the range of the securities purchase capacity (1126). In this example, the amount necessary for the purchase is the value of the restricted securities purchase surplus recorded in the securities purchase reserve capacity memory 570. Subsequently, based on the received deposit information, the securities purchase reserve recorded in the securities purchase reserve memory 570 is subtracted (1127). Subsequently, the amount required for the purchase determined by calculation is recorded in the fixed amount 595 of the stock trading history memory 590 (1128).

  Next, the operation of the securities server 400 in the embodiment of the present invention will be described with reference to the drawings.

  FIG. 42 and FIG. 43 are flowcharts showing a processing procedure of stock purchase processing by the securities server 400.

  First, when the stock server 400 receives stock purchase order information from the customer terminal 200 (step S1251), the stock price information when the stock purchase order information is received is acquired via the network 140 (step S1252). ), A purchase surplus confirmation process is executed (step S1220). Subsequently, based on the received stock purchase order information and the acquired stock price information, an approximate purchase contract amount of the brand included in the received stock purchase order information is calculated (step S1253).

  Subsequently, the value of the approximate purchase contract amount calculated and the value of the reserve power is compared to determine whether the value of the approximate purchase contract amount is less than or equal to the value of the reserve capacity. (Step S1254). When the value of the approximate purchase contract amount is larger than the value of the reserve capacity (step S1254), notification information including a message indicating that the reserve capacity is insufficient is transmitted to the customer terminal 200 (step S1255). Then, the operation of the stock purchase process is terminated.

  On the other hand, when the value of the approximate purchase contract amount is less than or equal to the value of the reserve capacity (step S1254), the bank binding amount is calculated based on the value of the approximate purchase contract amount and the value of the securities purchase capacity. (Step S1256). That is, a value obtained by subtracting the value of the securities purchase surplus from the value of the approximate purchase contract amount is calculated as the bank binding amount.

  Subsequently, it is determined whether or not the value of the bank restraint amount obtained by calculation is greater than 0 (step S1257). If the calculated value of the bank binding amount is greater than 0 (step S1257), the total amount of the securities purchase surplus is bound (step S1258), and the bank binding amount information including the bank binding amount is stored in the bank server. It is transmitted to 300 (step S1259). On the other hand, if the value of the bank restraint amount is 0 or less (step S1257), the securities purchase surplus equal to the value of the approximate purchase contract amount is restrained (step S1260). Then, purchase order information is transmitted to the main store (step S1261).

  Subsequently, when the final purchase price information is received from the main store (step S1262), it is determined whether or not the total amount of the securities purchase surplus is constrained (step S1263).

  If the total amount of surplus securities purchase is not restrained (step S1263), the process proceeds to step S1265, and if the total amount of surplus securities purchase is restrained, it is included in the received final purchase price information. The difference between the final purchase price calculated for the final purchase price and the approximate purchase price is calculated to determine whether the approximate purchase price-final final purchase price is greater than zero. (Step S1264). If the approximate purchase contract amount-final purchase price is 0 or less (step S1264), the process proceeds to step S1220, and if the approximate purchase contract amount-final purchase price is greater than 0, the securities purchase is completed. It is determined whether or not the difference adjustment is possible within the range of additional power (step S1265). If the difference adjustment is not possible within the range of the securities purchase surplus (step S1265), the reserve power is confirmed (step S1220), the total amount of the securities purchase surplus is constrained, and the securities purchase surplus is exceeded. An adjustment amount is calculated (step S1266), and binding money adjustment information including the adjustment amount is transmitted to the bank server 300 (step S1267). In addition, when confirmation of the reserve power is confirmed (step S1220), if the reserve power is insufficient after the adjustment, notification information including a message to that effect is transmitted to the customer terminal 200.

  Subsequently, when the deposit information is received from the bank server 300 (step S1268), the received deposit information is recorded in the deposit history memory 580 (step S1269).

  If the difference adjustment is possible within the range of the securities purchase reserve (step S1265), the difference adjustment is performed within the range of the securities purchase reserve (step S1270). Subsequently, the deposit schedule information including the value of the securities purchase margin after the difference adjustment is performed is transmitted to the bank server 300 (step S1271). Subsequently, payment information is received from the bank server 300 (step S1272).

  Subsequently, the amount necessary for the purchase is calculated (step S1273). Subsequently, the value of the securities purchase surplus used for the amount necessary for the purchase is subtracted from the securities purchase surplus binding money memory 570 (step S1274). Subsequently, the amount required for the purchase determined by calculation is recorded in the fixed amount 595 of the stock trading history memory 590 (step S1275).

  In the above, the fund transfer in the case where the stock spot transaction is performed has been described. However, the embodiment of the present invention can also be applied to the fund transfer in the case where the stock margin transaction is performed.

  Here, margin trading refers to cash, securities and other collateral provided by a customer as a security deposit, and the customer purchases stock necessary for the purchase of shares and stocks required for sale from the securities company. This is a borrowed transaction. This margin transaction enables customers to purchase more than their own funds and sell stock certificates they do not own

As a security deposit required for margin transactions, for example, a securities company can determine an amount that is equal to or greater than a predetermined ratio (predetermined value) with respect to the open interest after the contract. In addition, the numerical value indicating the ratio of the contracted deposit to the position amount is set as the deposit maintenance rate (the contracted deposit rate). This deposit maintenance rate can be calculated using the following equation (1).
Security deposit maintenance ratio = (trusted security deposit-loss on valuation of open interest) / open money amount x 100 ... (Formula 1)

  For example, if the prescribed value set by a securities company is 30% and 600,000 yen is provided as a security deposit, the maximum amount of stock that can be purchased by margin trading is 2 million yen. Become.

  Here, in the case of margin transactions, there may be a case where the value of securities or open interests collateralized as security deposits decreases due to market fluctuations. For example, if an evaluation loss occurs for a position after a contract, the deposit maintenance rate decreases. In addition, when the deposit maintenance rate falls below a predetermined value, an additional deposit is required.

For example, suppose that a predetermined value set by a securities company is 30% and 600,000 yen is provided as a security deposit, and a stock of 2 million yen is purchased through a margin transaction. Since the open interest in this case is 2 million yen, it is within the range of the upper limit that allows the purchase of shares by margin trading. In this case, it is assumed that a valuation loss of 20,000 yen has occurred for the open interest after the contract due to fluctuations in the market price. Note that there is no valuation gain or loss on securities collateralized by security deposits. When the deposit maintenance rate after the evaluation loss for the open interest after the contract is generated is calculated by using Equation 1, it is 29% as shown below.
(60-2) ÷ 200 × 100 = 29%

  In this way, if the deposit maintenance rate after the loss of valuation is less than the prescribed value (30%) set by the securities company, it is necessary to add a deposit to make the deposit maintenance rate 30% or more. There is. In this example, an additional deposit of 20,000 yen is required in order to increase the deposit maintenance rate to 30% or more. In addition, it is assumed that the commission deposit shown in this example does not include various expenses such as fees and management costs.

  Next, a case where a margin transaction is performed in the securities transaction system 100 will be described.

  When performing a margin transaction in the securities trading system 100, the user 150 uses the customer terminal 200 to perform an operation input for inserting a security deposit into the securities company 120. When an operation input for inserting the security deposit is made to the securities company 120, the customer terminal 200 transmits the deposit instruction information to that effect to the securities server 400. When the securities server 400 receives the deposit instruction information for the security deposit from the customer terminal 200, the total amount of the value of the security deposit and various expenses such as fees is set as the bank-bound amount, and the bank including this bank-bound amount is included. The binding money information is transmitted to the bank server 300. As in the case of the spot transaction, when the securities server 400 receives the deposit instruction information for the security deposit, the reserve capacity is confirmed. Then, when the reserve capacity is smaller than the commission guarantee amount, display information for displaying an error message or the like is transmitted to the customer terminal 200.

  When the bank server 300 receives the bank bond information from the securities server 400, the bank server 300 sends the bank bond amount (fund for the security deposit) included in the bank bond information from the saving account 120 of the user 150. Move to your savings account.

  In addition, when the securities server 400 calculates various expenses and the like for the contract deposit during a predetermined time period such as a batch processing time slot, the value of the contract deposit included in the deposit instruction information from the customer terminal 200 is set to the bank. The securities server 400 transmits the binding amount to the bank server 300 as the binding amount, and moves the bank binding amount from the saving account of the user 150 to another deposit account. Then, the securities server 400 calculates an adjustment amount of the bank restraint amount based on the calculated expenses for the commission deposit, etc., in a predetermined time zone such as a batch processing time zone, and funds transfer information including this adjustment amount Is transmitted to the bank server 300. When the bank server 300 receives the funds transfer information, the bank restraint amount is adjusted between the user 150's savings account and the separate deposit account, and the adjusted bank restraint amount (the funds related to the trust deposit) is adjusted to the user 150. To the savings account 120 savings account.

  After the transfer of funds related to the security deposit is completed, the bank server 300 notifies the securities server 400 that the transfer of funds related to the security deposit is completed. When the securities server 400 receives this notification, the value of the security deposit associated with this notification is recorded in the margin transaction memory 190 in association with the securities account number (or bank account number) of the user 150. Thereby, the user 150 can perform a credit transaction with the securities server 400 using the customer terminal 200.

  Then, when the user 150 newly purchases stock by a margin transaction (in the case of purchase), the purchase request information is transmitted to the securities server 400 using the customer terminal 200. The purchase request information includes stock brands and quantities. When the securities server 400 receives the purchase request information from the customer terminal 200, it is based on the total stock price of the stocks included in the purchase request information and the trust deposit recorded in the margin transaction memory 190. Thus, it is determined whether or not the total stock price exceeds an upper limit that allows the purchase of the stock by margin trading. The total stock price is calculated based on the stock price information acquired by the network communication control unit 470 when the purchase request information is received. If the total stock price of the stocks included in the purchase request information does not exceed the maximum amount that can be purchased through margin trading, the purchase of the stocks included in the purchase request information Send the order information to the main store. Then, after the contract is made, it is recorded in the margin transaction memory 190 in association with the securities account number as an open interest amount. On the other hand, if the total stock price of the stocks included in the purchase request information exceeds the upper limit that allows the stock to be purchased by margin trading, display information for displaying an error message or the like is displayed on the customer terminal 200. Send.

  Next, the securities server 400 determines whether or not an additional security deposit is necessary based on the stock price information acquired by the network communication control unit 470 and the information regarding the security deposit and the open interest recorded in the margin transaction memory 190. . That is, the securities server 400 uses Formula 1 to calculate the approximate additional consignment deposit that is the additional deposit described above. This approximate additional commission deposit does not include overhead. The determination as to whether or not an additional security deposit is necessary is performed at a rate of once a day, for example.

  Then, the securities server 400 transmits to the bank server 300 the bank binding information including the approximate additional consignment deposit determined by the calculation. When the bank binding information is received by the bank server 300, the value of the approximate additional commission deposit included in the bank binding information is moved from the saving account of the user 150 to a separate deposit account.

  Subsequently, when a predetermined time zone such as a batch processing time zone is reached, the securities server 400 calculates a final additional commission deposit including various expenses based on the approximate additional commission deposit, and based on the final additional commission deposit. And calculate the adjustment amount for the approximate additional commission deposit. Here, in the batch processing time zone, processing related to various expenses for each customer of the securities company 120 is collectively performed. In this way, by performing the same processing collectively, the processing time can be shortened and the load on the securities server 400 can be reduced. Subsequently, the securities server 400 transmits adjustment information including the adjustment amount for the approximate additional commission deposit to the bank server 300. When the bank server 300 receives this adjustment information, the value of the approximate additional trust deposit is adjusted between the user 150's savings account and the separate deposit account, and the approximate additional trust deposit value after the adjustment is set to the user 150. To the savings account 120 savings account.

  As described above, according to the embodiment of the present invention, in securities brokerage transactions performed between the customer terminal 200 and the securities server 400, while referring to the reserve capacity displayed on the stock trading screen. , Can buy shares and place sales orders. For this reason, it is not necessary to check the deposit balances of the ordinary deposit account of the bank 110 and the securities account of the securities company 120 on separate screens. In addition, when the funds transfer status is set to automatic, the user can purchase stock within the range of the reserve capacity without transferring funds from the savings account of the bank 110 to the securities account of the securities company 120. Attaching can be done. For this reason, at the time of stock purchase, it is possible to smoothly carry out securities transactions without the customer confirming the deposit balance of the securities account of the securities company as appropriate. That is, it is possible to easily perform securities transaction operations.

  In the embodiment of the present invention, automatic or normal fund transfer status can be set according to the user's preference. For example, a user who wants to conduct a transaction within the range of funds deposited in the securities account of the securities company 120 can set “normal” as the fund transfer status. In addition, for example, a user who does not want to manually transfer funds from a savings account of the bank 110 to a securities account of the securities company 120 can set automatic as the fund transfer status. Note that if the funds transfer status is set to automatic, all the deposit balances in the ordinary deposit account are available for purchase. For this reason, the fund management of stock purchases is also self-managed for the deposit balance of the savings account. Therefore, by recording the limiter amount in the limiter amount 170 of the securities customer management information 121, it is possible to prevent customer operation errors and the like. As described above, since the fund transfer status can be set according to the user's preference, securities trading can be easily performed.

  In addition, it is possible to easily transfer funds when performing margin trading of stocks.

  In the embodiment of the present invention, an example of performing personal authentication using a password as authentication processing in the bank server 300 has been described. However, biometric authentication for performing personal authentication based on biometric information such as a face and a fingerprint is performed. The embodiment of the present invention can also be applied to the case of using as.

  In the embodiment of the present invention, the example in which each information is transmitted and received between the bank server 300 and the securities server 400 using the dedicated line 130 has been described. The information may be transmitted / received via the customer terminal 200 using the http redirect function.

  In addition, some display screens shown in the embodiment of the present invention may include other characters relating to bank transactions or securities transactions, but some illustrations and explanations are omitted. In the embodiment of the present invention, the example in which each display screen is transmitted from the bank server 300 or the securities server 400 to the customer terminal 200 has been described. However, the display information for displaying each display screen is displayed as the bank server 300 or the securities. The embodiment of the present invention can be applied to the case where a display screen is displayed on the customer terminal 200 based on this indication information transmitted from the server 400 to the customer terminal 200.

  The embodiment of the present invention is an example for embodying the present invention and has a corresponding relationship with the invention-specific matters in the claims as shown below, but is not limited thereto. However, various modifications can be made without departing from the scope of the present invention.

  That is, in claim 1 or 5, the securities purchase order information receiving means corresponds to, for example, the network communication control unit 470. The stock price information acquisition unit corresponds to the network communication control unit 470, for example. Also, the approximate purchase contract amount calculation means corresponds to the control unit 420, for example. Also, bank bond information transmission means corresponds to the control unit 420, for example. The final purchase price acquisition unit corresponds to the network communication control unit 470, for example. The adjustment amount calculation unit corresponds to the control unit 420, for example. Further, the fund transfer information transmitting unit corresponds to the control unit 420, for example.

  Further, in claim 4 or 5, the bank account information storage means corresponds to, for example, the ordinary deposit account database 350. The separate bank account information storage means corresponds to the separate deposit account database 360, for example. The control means corresponds to the control unit 320, for example.

  Further, in claim 2, the securities customer management information storage means corresponds to the customer information database 440, for example. The setting operation information transmission unit corresponds to the control unit 420, for example. The automatic fund transfer status setting information receiving unit corresponds to the network communication control unit 470, for example. The recording control unit corresponds to the control unit 420, for example.

  Further, in claim 3, the setting information transmission unit corresponds to the control unit 420, for example.

  Further, in claim 6 or 7, the securities purchase order information reception procedure corresponds to, for example, step S1251. The stock price information acquisition procedure corresponds to, for example, step S1252. The approximate purchase contract amount calculation procedure corresponds to, for example, step S1253. The bank bond information transmission procedure corresponds to, for example, step S1259. Further, the final purchase price acquisition procedure corresponds to, for example, step S1262. The adjustment amount calculation procedure corresponds to, for example, step S1266. The fund transfer information transmission procedure corresponds to, for example, step S1267.

  The processing procedure described in the embodiment of the present invention may be regarded as a method having a series of these procedures, and a program for causing a computer to execute these series of procedures or a recording medium storing the program May be taken as

1 is a block diagram illustrating a configuration example of a securities trading system 100. FIG. 3 is a block diagram illustrating an example of a functional configuration of a customer terminal 200. FIG. 3 is a block diagram illustrating an example of a functional configuration of a bank server 300. FIG. It is a figure which shows an ordinary deposit account information and another deposit account information roughly. 3 is a block diagram showing an example functional configuration of a securities server 400. FIG. It is a figure which shows the outline of the bank customer management information 111 and the securities customer management information 121. FIG. 5 is a diagram schematically showing a securities account database 450, a batch processing database 455, a transfer reservation money memory 490, a securities purchase reserve memory 570, a separate deposit history memory 580, and a stock trading history memory 590. It is a figure which shows roughly each information stored in stock purchase surplus binding money memory 570. 7 is a diagram schematically showing each piece of information stored in a separate deposit history memory 580. FIG. It is a figure which shows roughly each information stored in the stock trading history memory 590. It is a figure which shows the transition of a display screen in the case of logging in to the bank server 300 and opening the securities account of the securities company 120 from the customer terminal 200. 6 is a sequence chart showing a securities account opening process when logging into the bank server 300 and opening a securities account of a securities company 120 from a customer terminal 200. It is a figure which shows the structure of the authentication process information 160 which is an example of the authentication process information transmitted to the securities server 400 from the bank server 300. FIG. It is a figure which shows the transition of a display screen in the case of logging in to the securities server 400 from the customer terminal 200 via the bank server 300. 6 is a sequence chart showing a login process when logging in to the securities server 400 from the customer terminal 200 via the bank server 300. It is a figure which shows the transition of a display screen in the case of logging in directly to the securities server 400 from the customer terminal 200 without going through the bank server 300. It is a sequence chart which shows the login process in the case of logging in directly from the customer terminal 200 to the securities server 400 without going through the bank server 300. 5 is a flowchart showing a processing procedure of authentication processing by the securities server 400. It is a figure which shows an example of the display screen for performing the account transfer displayed on the display part. It is a figure which shows an example of the display screen for performing the account transfer displayed on the display part. It is a figure which shows an example of the display screen for performing the account transfer displayed on the display part. It is a sequence chart which shows the account transfer process in case the customer terminal 200 is logging in to the securities server 400 via the network 140. It is a figure which shows the outline of the time slot | zone of the account transfer process performed in the bank 110. FIG. 5 is a flowchart showing a processing procedure of account transfer processing by the securities server 400. 5 is a flowchart showing a processing procedure of account transfer processing by the securities server 400. It is a figure which shows an example of the display screen for setting automatic as a fund transfer status. It is a sequence chart which shows the fund transfer status setting process in case the customer terminal 200 is logging in to the securities server 400 via the network 140. It is a figure which shows an example of the display screen for setting normal as a fund transfer status. 10 is a flowchart showing a processing procedure of automatic fund transfer status setting processing by the stock server 400. It is a figure which shows the display screen displayed on the display part 250 of the customer terminal 200. FIG. It is a figure which shows the display screen displayed on the display part 250 of the customer terminal 200. FIG. It is a sequence chart which shows the display processing of the stock sales transaction screen in case the customer terminal 200 is logging in to the securities server 400. 10 is a flowchart showing a processing procedure of stock trading screen display processing by the stock server 400. 5 is a flowchart showing a procedure for confirming a surplus purchase ability in a processing procedure of a stock sales transaction screen display process by the securities server 400. 10 is a sequence chart showing stock sale processing when a customer terminal 200 is logged in to a securities server 400 via a network 140. 10 is a sequence chart showing stock purchase processing when a customer terminal 200 logs in to a securities server 400 via a network 140. 6 is a sequence chart showing stock trading processing when a customer terminal 200 logs in to a securities server 400 via a network 140. 6 is a sequence chart showing stock trading processing when a customer terminal 200 logs in to a securities server 400 via a network 140. 6 is a sequence chart showing stock trading processing when a customer terminal 200 logs in to a securities server 400 via a network 140. 6 is a sequence chart showing stock trading processing when a customer terminal 200 logs in to a securities server 400 via a network 140. 6 is a sequence chart showing stock trading processing when a customer terminal 200 logs in to a securities server 400 via a network 140. 10 is a flowchart showing a processing procedure of stock purchase processing by the securities server 400. 10 is a flowchart showing a processing procedure of stock purchase processing by the securities server 400.

Explanation of symbols

100 Securities Trading System 110 Bank 120 Securities Company 130 Private Line 140 Network 150 User 200 Customer Terminal 210 CPU
220 ROM
230 RAM
240 HDD
250 Display Unit 260 Operation Accepting Unit 270 Communication Unit 280 Bus 300 Bank Server 310 Authentication Unit 320 Control Unit 330 Main Storage Unit 340 Customer Information Database 350 Savings Account Database 360 Separate Deposit Account Database 370 Securities Server Communication Control Unit 380 Network Communication Control Unit 390 Display control unit 400 Securities server 410 Authentication unit 420 Control unit 430 Main storage unit 440 Customer information database 450 Securities account database 455 Batch processing database 460 Bank server communication control unit 470 Network communication control unit 480 Display control unit 490 Transfer reserve memory 570 Stock purchase reserve memory 580 Separate deposit history memory 590 Stock trading history memory

Claims (7)

Bank account information storage means for storing bank account information including bank balance information including bank account information, which is information related to bank accounts of bank customers and bank accounts of securities companies, and bank of the customer different from the bank account A bank server comprising another bank account information storage means for storing information relating to another bank account, which is an account, and including another bank account information including a deposit balance in association with the bank account number, and a customer terminal used by the customer A securities server that is connectable and performs a securities transaction with the customer terminal,
Securities purchase order information receiving means for receiving securities purchase order information including order quantity and brand from the customer terminal;
Stock price information acquisition means for acquiring stock price information when the securities purchase order information is received;
Approximate purchase contract for calculating an approximate purchase contract amount of a stock included in the received securities purchase order information based on the order quantity included in the received securities purchase order information and the acquired stock price information An amount calculation means;
Information for transferring the calculated approximate purchase contract amount from the customer's bank account to the customer's separate bank account, and bank restraint information including the calculated approximate purchase contract amount is stored in the bank server. Bank restraint information sending means to send to,
A final purchase price acquisition means for acquiring a final purchase price that is a final purchase price for the issue included in the received securities purchase order information;
An adjustment amount for adjusting the value of the approximate purchase contract amount transferred from the customer's bank account to the customer's separate bank account is the acquired final purchase amount and the calculated approximate purchase contract amount. An adjustment amount calculation means for calculating based on
Information for transferring the deposit balance in the customer's separate bank account to the bank account of the securities company after transferring funds between the customer's bank account and the customer's separate bank account by the value of the adjustment amount. And a fund transfer information transmitting means for transmitting fund transfer information including the adjustment amount to the bank server. Automatic fund transfer that causes the transfer of funds between the bank account of the customer, the bank account of the customer, and the bank account of the securities company to be executed by the bank binding information or the fund transfer information transmitted from the securities server Securities customer management information storage means for storing securities customer management information, which is information including status information indicating whether a status is set or not, and is information related to a customer of the securities company;
Setting operation information transmitting means for transmitting setting operation information for setting the automatic fund transfer status in the customer terminal to the customer terminal;
Automatic fund transfer status setting information receiving means for receiving automatic fund transfer status setting information for setting the automatic fund transfer status from the customer terminal;
A recording control unit for recording status information indicating that the automatic fund transfer status is set in the securities customer management information storage unit when the automatic fund transfer status setting information is received; The securities server according to claim 1, wherein: When the automatic fund transfer status setting information is received, setting information which is information for transferring a predetermined fund relating to the customer's ownership in the bank account of the securities company to the bank account of the customer The securities server according to claim 2, further comprising setting information transmitting means for transmitting to. Securities purchase order information receiving means for receiving securities purchase order information including order quantities and brands from a customer terminal, stock price information acquiring means for acquiring stock price information when the securities purchase order information is received, and Approximate purchase contract amount for calculating an approximate purchase contract amount of the stock included in the received securities purchase order information based on the order quantity included in the received securities purchase order information and the acquired stock price information Bank binding money including information for moving the calculated approximate purchase contract amount from a bank customer's bank account to a separate bank account of the customer, the calculation means, and the calculated approximate purchase contract amount Bank restraint information transmitting means for transmitting information to the bank server, and a firm purchase for acquiring a firm purchase price that is a firm purchase price for the issue included in the received securities purchase order information. Amount acquisition means, an adjustment amount for adjusting the value of the approximate purchase contract amount transferred from the customer's bank account to the customer's separate bank account, the acquired final purchase amount and the calculated Adjustment amount calculating means for calculating based on the approximate purchase contract amount, and deposits in the customer's separate bank account after transferring funds by the value of the adjustment amount between the customer's bank account and the customer's separate bank account Connected to the securities server and the customer terminal comprising fund transfer information transmitting means for transmitting to the bank server fund transfer information that is information for transferring a balance to a bank account of the securities company of the bank and includes the adjustment amount A bank server for performing bank transactions with the customer terminal,
Bank account information storage means for storing bank account information including information on the bank account of the bank customer and the bank account of the securities company and including a deposit balance in association with the bank account number;
Another bank account information storage means for storing information related to another bank account that is a bank account of the customer different from the bank account, and storing the bank account information including a deposit balance in association with the bank account number;
When the bank bond information is received, the approximate purchase contract amount included in the bank bond information is moved from the customer's bank account to the customer's separate bank account, and the fund transfer information is received. In this case, after the funds are transferred between the bank account of the customer and the bank account of the customer by the adjustment amount included in the fund transfer information, the deposit balance in the bank account of the customer is transferred to the bank of the securities company. A bank server comprising: control means for moving to an account. In a securities trading system in which a customer terminal, a bank server, and a securities server are connected to each other, and securities trading is performed between the customer terminal and the securities server,
The bank server
Bank account information storage means for storing bank account information including bank account information including bank balances and information relating to bank accounts of bank customers and bank accounts of securities companies;
Another bank account information storage means for storing information related to another bank account that is a bank account of the customer different from the bank account, and storing the bank account information including a deposit balance in association with the bank account number;
Control means for moving funds in a bank account stored in the bank account information storage means and funds in a separate bank account stored in the separate bank account information storage means in response to a request from the securities server And
The securities server
Securities purchase order information receiving means for receiving securities purchase order information including order quantity and brand from the customer terminal;
Stock price information acquisition means for acquiring stock price information when the securities purchase order information is received;
Approximate purchase contract for calculating an approximate purchase contract amount of a stock included in the received securities purchase order information based on the order quantity included in the received securities purchase order information and the acquired stock price information An amount calculation means;
Information for moving the calculated approximate purchase contract amount from the customer's bank account to the customer's separate bank account, and bank restraint information including the calculated approximate purchase contract amount is the bank server. Bank restraint information sending means to send to,
A final purchase price acquisition means for acquiring a final purchase price that is a final purchase price for the issue included in the received securities purchase order information;
An adjustment amount for adjusting the value of the approximate purchase contract amount transferred from the customer's bank account to the customer's separate bank account is the acquired final purchase amount and the calculated approximate purchase contract amount. An adjustment amount calculation means for calculating based on
It is information for transferring the deposit balance in the customer's separate bank account to the bank account of the securities company after the funds are transferred between the bank account of the customer and the separate bank account of the customer. Fund transfer information transmitting means for transmitting fund transfer information including the adjustment amount to the bank server,
When the bank binding information is received, the control means moves the approximate purchase contract amount included in the bank binding information from the customer's bank account to the customer's separate bank account, and transfers the funds. When the information is received, the funds are transferred between the customer's bank account and the customer's separate bank account by the adjustment amount included in the fund transfer information, and then the deposit balance in the customer's separate bank account is A securities trading system, wherein the securities trading system is moved to a bank account of the securities company. Bank account information storage means for storing bank account information including bank balance information including bank account information, which is information related to bank accounts of bank customers and bank accounts of securities companies, and bank of the customer different from the bank account A bank server comprising another bank account information storage means for storing information relating to another bank account, which is an account, and including another bank account information including a deposit balance in association with the bank account number, and a customer terminal used by the customer A securities transaction processing method in a securities server that is connectable and performs a securities transaction with the customer terminal,
Securities purchase order information reception procedure for receiving securities purchase order information including order quantity and brand from the customer terminal;
Stock price information acquisition procedure for acquiring stock price information when the securities purchase order information is received;
Approximate purchase contract for calculating an approximate purchase contract amount of a stock included in the received securities purchase order information based on the order quantity included in the received securities purchase order information and the acquired stock price information Amount calculation procedure,
Information for transferring the calculated approximate purchase contract amount from the customer's bank account to the customer's separate bank account, and bank restraint information including the calculated approximate purchase contract amount is stored in the bank server. Send bank bond information to
A final purchase price acquisition procedure for acquiring a final purchase price that is a final purchase price for a stock included in the received securities purchase order information;
An adjustment amount for adjusting the value of the approximate purchase contract amount transferred from the customer's bank account to the customer's separate bank account is the acquired final purchase amount and the calculated approximate purchase contract amount. An adjustment calculation procedure to calculate based on
Information for transferring the deposit balance in the customer's separate bank account to the bank account of the securities company after transferring funds between the customer's bank account and the customer's separate bank account by the value of the adjustment amount. And a funds transfer information transmission procedure for transmitting the money transfer information including the adjustment amount to the bank server. Bank account information storage means for storing bank account information including bank balance information including bank account information, which is information related to bank accounts of bank customers and bank accounts of securities companies, and bank of the customer different from the bank account A bank server comprising another bank account information storage means for storing information relating to another bank account, which is an account, and including another bank account information including a deposit balance in association with the bank account number, and a customer terminal used by the customer In a securities server that is connectable and performs a securities transaction with the customer terminal,
Securities purchase order information reception procedure for receiving securities purchase order information including order quantity and brand from the customer terminal;
Stock price information acquisition procedure for acquiring stock price information when the securities purchase order information is received;
Approximate purchase contract for calculating an approximate purchase contract amount of a stock included in the received securities purchase order information based on the order quantity included in the received securities purchase order information and the acquired stock price information Amount calculation procedure,
Information for transferring the calculated approximate purchase contract amount from the customer's bank account to the customer's separate bank account, and bank restraint information including the calculated approximate purchase contract amount is stored in the bank server. Send bank bond information to
A final purchase price acquisition procedure for acquiring a final purchase price that is a final purchase price for a stock included in the received securities purchase order information;
An adjustment amount for adjusting the value of the approximate purchase contract amount transferred from the customer's bank account to the customer's separate bank account is the acquired final purchase amount and the calculated approximate purchase contract amount. An adjustment calculation procedure to calculate based on
Information for transferring the deposit balance in the customer's separate bank account to the bank account of the securities company after transferring funds between the customer's bank account and the customer's separate bank account by the value of the adjustment amount. A program for causing a computer to execute a fund transfer information transmission procedure for transmitting fund transfer information including the adjustment amount to the bank server.

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