JP2019212025A - Information processing system, information processing method, and information processing program - Google Patents

Abstract

To provide an information processing system, an information processing method, and an information processing program that easily grasp sell-off amounts of financial products that can maintain a portfolio.SOLUTION: An information processing system includes: target value management means for managing, with respect to a total amount of monetary values of the plurality of financial instruments held by a customer, target values of ratios of monetary values of the respective financial instruments; actual value management means for managing, with respect to the total amount of monetary values of the financial instruments held by the customer, actual values of ratios of the monetary values of the respective financial instruments; virtual account management means for managing a virtual account having a balance of the total amount of monetary values of the respective financial instruments held by the customer; and dealing amount determination means for determining, when receiving a payment request from the virtual account, on a basis of the actual values and the target values, sell-off amounts or purchase amounts of the respective financial instruments so that the actual values approach the target values and a total amount of transaction values of the respective financial instrument becomes an amount specified in the payment request.SELECTED DRAWING: Figure 3

Description

  The present invention relates to an information processing system, an information processing method, and an information processing program.

  As an example of an asset management method, there is a method in which the ratio of each financial product to the total financial products held is determined in advance, and the financial products are bought and sold so that the determined ratio is maintained. The determined percentage is also called the portfolio. By buying and selling financial products so as to maintain the portfolio, the risk associated with the operation of the financial products is controlled within a range that is assumed in advance.

JP2015-095118A JP 2006-343903 A Japanese Patent Application Laid-Open No. 2006-243795 Japanese Patent Laid-Open No. 2002-157631

  Since the account used for operation may be different for each financial product, a plurality of accounts are likely to be managed as the number of financial products to be traded increases. In the case of raising cash by selling financial products, it is considered how much of the financial products can be sold to raise the necessary cash while maintaining the portfolio. The price of financial products fluctuates over time, and this decision becomes more complex as more accounts are managed.

  One aspect of the disclosed technology is to make it easy to grasp the trading volume of financial products that can maintain a portfolio.

  One aspect of the disclosed technology is exemplified by the following information processing system. The information processing system includes target value management means for managing a target value of the ratio of the monetary value of each of the plurality of financial products to the sum of monetary values of the plurality of financial products held by the customer, and financial data held by the customer. An actual value management means for managing the actual value of the ratio of the monetary value of each financial product to the total monetary value of the product, and a virtual account having the balance of the total monetary value of each of the multiple financial products held by the customer as a balance Each of the financial products so that the actual value approaches the target value based on the actual value and the target value when receiving a withdrawal request from the virtual account Trading amount determination means for determining the sales amount or the purchase amount of each financial product so that the total of the sales amount of the financial products becomes the amount specified in the withdrawal request.

In the disclosed technology, a financial product is, for example, a service in which a financial institution manages funds deposited from a customer. The financial products are, for example, ordinary deposits, time deposits, domestic stocks, foreign stocks, net gold reserves, investment trusts, government bonds, foreign currency deposits, real estate investments, and the like. The trading volume of financial products may include both the sales volume of financial products and the purchase volume of financial products. The total sales amount is, for example, an amount obtained by subtracting the total purchase amount from the total sale amount. The disclosed technology provides a virtual account with the balance of the monetary value of multiple financial products held by the customer, so the customer withdraws cash from the virtual account without being conscious of each of the multiple financial products. can do. In withdrawals from virtual accounts, the target value and actual value of the ratio of each financial product to the entire financial product held by the customer are managed, and the trading volume of each financial product is adjusted so that the actual value approaches the target value. Because the decision is made, the customer does not have to consider which financial instruments to buy or sell in order to raise cash while maintaining the target value. Therefore, according to the disclosed technology, it is easy to grasp the trading volume of financial products that can maintain a portfolio that is a target value of the ratio of each financial product to the entire financial products held by the customer.

  The disclosed technology may have the following features. Procuring means for buying and selling cash by buying and selling each financial product according to the sale amount or the purchase amount, and a withdrawal means for withdrawing the cash. In the case of a technology having such characteristics, since the financial products are bought and sold according to the trading volume determined by the trading volume determining means, the portfolio is a target value of the ratio of each financial product to the entire financial products held by the customer. It is easy to buy and sell financial products while maintaining

  The disclosed technology may have the following features. Pool account management means for managing a pool account in which cash is deposited in advance is further provided, the withdrawal means withdraws cash from the pool account, and the procurement means deposits the procured cash into the pool account. To do. With the technology having such characteristics, even if the customer has a financial product that requires a certain number of days from buying and selling to obtaining cash, it is possible to withdraw money from the pool account. Withdraw money immediately.

  The disclosed technology may have the following features. When the cash secured in the pool account is less than the amount specified by the withdrawal request, the withdrawal means stores the finance held by the customer with respect to a management server of a financial institution in which the customer holds the account. Requests lending of cash secured by merchandise and withdraws the lending cash. With the technology having such characteristics, it is possible to withdraw even when there is a shortage of cash secured in the pool account.

  The disclosed technology may have the following features. For each of the financial products, it further comprises a procurement time management means for managing a cashing time required for receiving or withdrawing a trading value from trading, and the cashing time is equal to or less than a predetermined value. The difference between the cash procured by buying and selling the financial product and the amount specified in the withdrawal request may be withdrawn from the pool account.

  The disclosed technology may have the following features. For each of the financial products, it further comprises priority management means for associating buying and selling priorities, and the buying and selling amount determining means indicates the buying and selling amount of the financial products associated with higher priority as the actual value is the target. Increase in the range approaching the value. It is conceivable that there are financial products that customers do not want to buy or sell and financial products that they want to buy and sell with priority. With the technology having such characteristics, it is possible to buy and sell financial products reflecting the customer's intention by increasing the trading volume of financial products associated with higher priority.

  The disclosed technology may be the following information processing system. The information processing system includes target value management means for managing a target value of the ratio of the monetary value of each of the plurality of financial products to the sum of monetary values of the plurality of financial products held by the customer, and financial data held by the customer. An actual value management means for managing the actual value of the ratio of the monetary value of each financial product to the total monetary value of the product, and a virtual account having the balance of the total monetary value of each of the multiple financial products held by the customer as a balance When receiving a payment request to the virtual account, based on the actual value and the target value, the actual value approaches the target value, and each financial product Trading amount determination means for determining the sales amount or purchase amount of each financial product so that the total trading amount becomes the amount specified in the deposit request.

  The disclosed technology provides a virtual account with the balance of the monetary value of multiple financial products held by the customer, so the customer deposits cash into the virtual account without being aware of each of the multiple financial products. be able to. When depositing into a virtual account, the target value and actual value of the ratio of each financial product to the entire financial product held by the customer are managed, and the trading volume of each financial product is adjusted so that the actual value approaches the target value. Therefore, it is not necessary to consider which financial product to purchase and how much to purchase the financial product based on the funds deposited in the virtual account while maintaining the target value. Therefore, according to the disclosed technology, it is easy to grasp the trading volume of financial products that can maintain a portfolio that is a target value of the ratio of each financial product to the entire financial products held by the customer.

  The disclosed technology can also be understood from the aspects of an information processing method and an information processing program.

  The technology of the present disclosure can easily grasp the trading volume of financial products that can maintain a portfolio.

FIG. 1 is a diagram illustrating an example of a configuration of an operation support system according to the embodiment. FIG. 2 is a diagram illustrating an example of a hardware configuration of the information processing apparatus. FIG. 3 is a diagram illustrating an example of processing blocks of the operation support system. FIG. 4 is a diagram illustrating an example of an actual account management table stored in the actual account management database. FIG. 5 is a diagram illustrating an example of a virtual account management table stored in the virtual account management database. FIG. 6 is a diagram showing an example of a pool account deposit / withdrawal management table stored in the pool account management database. FIG. 7 is a diagram illustrating an example of a target portfolio management table stored in the target portfolio management database. FIG. 8 is a diagram illustrating an example of an actual portfolio management table stored in the actual portfolio management database. FIG. 9 is a diagram showing an example of a portfolio comparison table stored in the real portfolio management database. FIG. 10 is a diagram illustrating an example of a financial product management table stored in the financial product management database. FIG. 11 is a first diagram illustrating an example of a processing sequence of the operation support system according to the embodiment. FIG. 12 is a second diagram illustrating an example of a processing sequence of the operation support system according to the embodiment. FIG. 13 is a diagram showing an example of a pool account correspondence management table stored in the pool account management database. FIG. 14 is a diagram illustrating an example of a real account management table stored in the real account management database according to the fourth modification. FIG. 15 is a diagram illustrating an example of a real account management table stored in a real account management database according to the fifth modification. FIG. 16 is a diagram illustrating an example of a virtual account management table stored in the virtual account management database according to the fifth modification.

Hereinafter, an operation support system according to an embodiment will be described with reference to the drawings. The configuration of the embodiment described below is an exemplification, and the disclosed technology is not limited to the configuration of the embodiment.

<Embodiment>
FIG. 1 is a diagram illustrating an example of a configuration of an operation support system 1 according to the embodiment. In the operation support system 1, a bank server 3, a management server 5 installed in a financial institution 2 and a customer terminal 4 used by a customer are connected via a network N1 so that they can communicate with each other. Further, in the operation support system 1, a management server 5 owned by another financial institution is also connected to the network N1. The operation support system 1 is a system that supports the buying and selling of financial products by customers of the financial institution 2. For example, when the operation support system 1 wishes to cash a part of the financial product held by the customer, the operation support system 1 buys and sells the financial product so that the ratio (portfolio) of the financial product to the entire financial product held by the customer can be maintained. Cash is raised by doing, and the raised cash is withdrawn to the customer. Hereinafter, the operation support system 1 according to the embodiment will be described with reference to the drawings.

  The bank server 3 is an information processing apparatus installed in the financial institution 2. As will be described in detail later, the bank server 3 provides the customer with a virtual account that is associated with one or more accounts held by the customer of the financial institution 2. The bank server 3 manages the portfolio of the customer, and when the customer requests cash withdrawal, the bank server 3 withdraws the cash procured by buying and selling financial products so as to maintain the portfolio. Here, the withdrawal may be realized, for example, by depositing into a customer's deposit account, or may be realized by withdrawal by an Automatic Teller Machine (ATM). In the description of the present embodiment, an account in which deposit / withdrawal is actually performed and a virtual account are described separately, and therefore an account in which deposit / withdrawal is actually performed is referred to as a real account. The bank server 3 is an example of an “information processing system”.

  The customer terminal 4 is an information processing apparatus operated by a customer of the financial institution 2. The customer terminal 4 is, for example, a desktop personal computer, a notebook personal computer, a tablet computer, a smartphone, a wearable computer, a personal digital assistant (PDA), a mobile phone, or the like. The customer terminal 4 may be an ATM operated by the customer.

  The management server 5 is an information processing apparatus that manages financial products handled by financial institutions. For example, in response to an inquiry from the bank server 3, the management server 5 returns the price of the financial product, the number of days for cashing required for cashing by buying and selling the financial product, and the like.

  The network N1 is a computer network that connects computers to each other. The network N1 is a public communication network exemplified by the Internet, for example, and the bank server 3 and the customer terminal 4 are connected by the network N1 so as to communicate with each other.

FIG. 2 is a diagram illustrating an example of a hardware configuration of the information processing apparatus 100. The information processing apparatus 100 includes a central processing unit (CPU) 101, a main storage unit 102, and an auxiliary storage unit 1.
03, including the communication unit 104 and the connection bus B1. The CPU 101, the main storage unit 102, the auxiliary storage unit 103, and the communication unit 104 are connected to each other by a connection bus B1. The information processing apparatus 100 can be used as the bank server 3, the customer terminal 4, and the management server 5.

The CPU 101 is also called a microprocessor unit (MPU) or a processor. The CPU 101 is not limited to a single processor, and may have a multiprocessor configuration. A single CPU 101 connected by a single socket may have a multi-core configuration. At least a part of the processing executed by the CPU 101 is performed by a processor other than the CPU 101, for example, a dedicated processor such as a digital signal processor (DSP), a graphics processing unit (GPU), a numerical operation processor, a vector processor, or an image processing processor. May be. Further, at least a part of the processing executed by the CPU 101 may be executed by an integrated circuit (IC) or other digital circuits. Further, at least a part of the CPU 101 may include an analog circuit. The integrated circuits are large scale integrated circuit (LSI), application specific integrated circuit (AS).
IC), programmable logic device (PLD). The PLD includes, for example, a field-programmable gate array (FPGA). The CPU 101 may be a combination of a processor and an integrated circuit. The combination is called, for example, a microcontroller unit (MCU), a system-on-a-chip (SoC), a system LSI, or a chip set. In the information processing apparatus 100, the CPU 101 expands the program stored in the auxiliary storage unit 103 in the work area of the main storage unit 102, and controls peripheral devices through execution of the program. Thereby, the information processing apparatus 100 can execute a process that matches a predetermined purpose. The main storage unit 102 and the auxiliary storage unit 103 are recording media that can be read by the information processing apparatus 100.

  The main storage unit 102 is exemplified as a storage unit that is directly accessed from the CPU 101. The main storage unit 102 includes a random access memory (RAM) and a read only memory (ROM).

  The auxiliary storage unit 103 stores various programs and various data in a recording medium in a readable and writable manner. The auxiliary storage unit 103 is also called an external storage device. The auxiliary storage unit 103 stores an operating system (OS), various programs, various tables, and the like. The OS includes a communication interface program that exchanges data with an external device or the like connected via the communication unit 104. Examples of the external device include other information processing devices and external storage devices connected via a computer network or the like. The auxiliary storage unit 103 may be a part of a cloud system that is a group of computers on a network, for example.

The auxiliary storage unit 103 includes, for example, an Erasable Programmable ROM (EPROM), a solid state drive (SSD), and a hard disk drive (Hard Disk).
Drive, HDD). The auxiliary storage unit 103 is, for example, a Compact Disc (CD) drive device, a Digital Versatile Disc (DVD) drive device, a Blu-ray (registered trademark) Disc (BD) drive device, or the like. Further, the auxiliary storage unit 103 may be provided by Network Attached Storage (NAS) or Storage Area Network (SAN).

  The communication unit 104 is an interface with the network N1, for example. The communication unit 104 communicates with an external device via the network N1.

  The information processing apparatus 100 may further include, for example, an input unit that receives an operation instruction from a user or the like. Examples of such an input unit include an input device such as a keyboard, a pointing device, a touch panel, an acceleration sensor, or a voice input device.

The information processing apparatus 100 may include an output unit that outputs data processed by the CPU 101 and data stored in the main storage unit 102, for example. Examples of such an output unit include output devices such as a Cathode Ray Tube (CRT) display, a Liquid Crystal Display (LCD), a Plasma Display Panel (PDP), an Electroluminescence (EL) panel, an organic EL panel, or a printer.

<Processing block of operation support system 1>
FIG. 3 is a diagram illustrating an example of processing blocks of the operation support system 1. Each of the bank server 3, the customer terminal 4, and the management server 5 executes a process as each unit illustrated in FIG. 3 when the CPU 101 executes a computer program that is executed in the main storage unit 102. In FIG. 3, the database is represented as “DB”.

<Processing block of customer terminal 4>
The customer terminal 4 includes a setting unit 401 and a deposit / withdrawal request unit 402 as illustrated in FIG. Hereinafter, processing blocks of the customer terminal 4 will be described with reference to FIG.

  The setting unit 401 transmits an actual account management instruction and a target portfolio setting instruction to the bank server 3. The real account management instruction includes, for example, a customer ID and an account number of a real account held by the customer. Further, for example, the setting instruction includes a customer ID and a target ratio for each financial product with respect to the entire financial product held.

  The deposit / withdrawal request unit 402 transmits a withdrawal request or a deposit request to the bank server 3. The withdrawal request and deposit request include a customer ID. The withdrawal request further includes an amount that the customer desires to withdraw, and the withdrawal request further includes designation of the amount that the customer will deposit into the virtual account. The withdrawal request may further include designation of a withdrawal destination. The designation of the withdrawal destination may be, for example, information specifying an account number of a deposit account or electronic money.

<Processing block of bank server 3>
As illustrated in FIG. 3, the bank server 3 includes a real account management unit 301, a virtual account management unit 302, a reception unit 303, a portfolio management unit 304, a trading processing unit 305, a pool account management unit 306, and a financial product management unit. 307, a real account management database 308, a virtual account management database 309, a pool account management database 310, a target portfolio management database 311, a real portfolio management database 312 and a financial product management database 313. Hereinafter, processing blocks of the bank server 3 will be described with reference to FIG.

  The real account management database 308 is a database for managing correspondence between the account number of the real account, the value of the financial product held by the customer, and the customer ID. FIG. 4 is a diagram showing an example of the real account management table 3081 stored in the real account management database 308. The real account management table 3081 includes items of customer ID, account number, value, and financial product. In the customer ID, a customer ID that uniquely identifies the customer in the financial institution 2 is stored. In the account number, an account number for specifying an actual account is stored. The account number includes, for example, information for specifying a financial institution and information for specifying an actual account opened in the financial institution. The value stores information indicating the value of the financial product held by the customer through the transaction using the real account. The value is, for example, the balance of the deposit account in the case of an ordinary deposit, and a stock price corresponding to the number of shares held in the case of a stock. In other words, the value stores the monetary value of the financial product whose value changes with time (for example, when the real account management table 3081 is updated). Hereinafter, in this specification, the value of the financial product obtained by the customer through the transaction using the real account is also referred to as the value of the real account. The financial product stores information for specifying a financial product to be traded using an actual account. The information specifying the financial product includes, for example, information indicating a financial institution that provides the financial product and the name of the financial product. The financial products are, for example, A bank time deposit, B securities investment trust, C securities net fund reserve, D securities investment trust, D securities government bonds, E securities domestic stocks and the like. The real account management table 3081 stores not only real accounts provided in the financial institution 2 but also information on real accounts provided in a financial institution different from the financial institution 2 as illustrated in FIG. .

The virtual account management database 309 is a database that manages the correspondence between customer IDs, account numbers, and virtual account numbers. FIG. 5 is a diagram illustrating an example of the virtual account management table 3091 stored in the virtual account management database 309. The virtual account management table 3091 includes items of customer ID, account number, and virtual account number. As in the real account management table 3081, the customer ID stores a customer ID that uniquely identifies the customer in the financial institution 2.
Similar to the real account management table 3081, the account number stores a number that identifies a real account. The virtual account number stores a number that identifies a virtual account associated with one or more real accounts held by the customer. For example, in FIG. 5, the customer with the customer ID “X” has a virtual account with the virtual account number “9-4532”, and the virtual account with the virtual account number “9-4532” has the account number “1-1122”. "And an actual account with the account number" 2-1313 ". The virtual account management database 309 is an example of “virtual account management means”.

  The pool account management database 310 is a database that manages pool accounts. Cash is secured in advance in the pool account. The cash secured in the pool account is secured, for example, when the financial institution 2 deposits into the pool account. Since some financial products require a certain period of time (for example, several days) from buying and selling to cash procurement, the bank server 3 that received the withdrawal request from the customer terminal 4 was requested by the withdrawal request. The amount of cash is withdrawn from the pool account, and then the procured cash is deposited into the pool account. FIG. 6 is a diagram showing an example of a pool account deposit / withdrawal management table 3101 stored in the pool account management database 310. The pool account deposit / withdrawal management table 3101 records the deposit / withdrawal between the virtual account and the pool account. The pool account deposit / withdrawal management table 3101 includes items of deposit / withdrawal, virtual account number, and pool account balance. The deposit / withdrawal stores the amount withdrawn from the pool account and the amount deposited into the pool account. In deposit / withdrawal, “− (minus)” is attached to the amount withdrawn from the pool account, and “+ (plus)” is attached to the amount to be deposited into the pool account. The virtual account number stores a virtual account number that identifies a virtual account that is to be deposited / withdrawn from the pool account. The pool account balance stores the balance of the pool account. The pool account management database 310 is an example of “pool account management means”.

  The target portfolio management database 311 is a database that manages a target portfolio set for each customer. FIG. 7 is a diagram illustrating an example of the target portfolio management table 3111 stored in the target portfolio management database 311. The target portfolio management table 3111 includes items of customer ID, A bank time deposit, B securities investment trust, C securities net fund reserve, D securities investment trust D securities government bonds, and E securities domestic stocks. Since the customer ID is the same as that in the real account management table 3081, the description thereof is omitted. Each item of Bank A Time Deposit, B Securities Investment Trust, C Securities Net Fund Reserve, D Securities Investment Trust D Securities JGB, and E Securities Domestic Stock is a financial product that is subject to asset management. Each item of Bank A Time Deposit, B Securities Investment Trust, C Securities Net Fund Reserve, D Securities Investment Trust D Securities JGB, and E Securities Domestic Shares stores the target value of the ratio of the financial instruments to the total financial instruments held. The That is, the target portfolio, which is a target ratio for each financial product with respect to the entire held financial product, is associated with the customer ID by the target portfolio management table 3111. The target portfolio management database 311 is an example of “target value management means”.

  The real portfolio management database 312 is a database for managing the real portfolio for each customer. FIG. 8 is a diagram showing an example of the real portfolio management table 3121 stored in the real portfolio management database 312. Similar to the target portfolio management table 3111, the real portfolio management table 3121 includes items of customer ID, A bank time deposit, B securities investment trust, C securities net reserve, D securities investment trust D securities government bonds, and E securities domestic stocks. Including. Unlike the target portfolio management table 3111, each item of the real portfolio management table 3121 stores the actual value of the ratio for each financial product with respect to the entire held financial product. That is, the real portfolio which is the actual value of the ratio of each financial product to the entire financial product held is associated with the customer ID by the real portfolio management table 3121.

FIG. 9 is a diagram showing an example of the portfolio comparison table 3122 stored in the real portfolio management database 312. As shown in FIG. Similarly to the target portfolio management table 3111, the portfolio comparison table 3122 includes items of customer ID, A bank time deposit, B securities investment trust, C securities net fund reserve, D securities investment trust, D securities government bonds, and E securities domestic stocks. Including. Unlike the target portfolio management table 3111, each item of the portfolio comparison table 3122 stores a difference between the target portfolio and the actual portfolio for each financial product. For example, when the actual value is higher than the target value, “+ (plus)” is added and the numerical value is stored. Further, for example, when the actual value is lower than the target value, “− (minus)” is added and the numerical value is stored. That is, the difference between the target value and the actual value of the ratio for each financial product can be grasped by the portfolio comparison table 3122. The real portfolio management database 312 is an example of “actual value management means”.

  The financial product management database 313 is a database that manages information on financial products. In addition to the financial products handled by the financial institution 2, information on financial products handled by other financial institutions different from the financial institution 2 is stored in the financial products managed by the financial product management database 313. FIG. 10 is a diagram illustrating an example of the financial product management table 3131 stored in the financial product management database 313. In the financial product management table 3131, a financial product and the number of days required for cashing the financial product are stored in association with each other. The financial product management table 3131 includes items of financial products and number of days for cashing. Information for uniquely specifying the financial product is stored in the item of financial product. The number of days from when cashing is requested until cash can be procured is stored in the number of days for cashing. Here, the number of days until cash can be procured is, for example, the number of days until the sale price of a financial product is received or the number of days until the received sale price can be withdrawn. As the number of days for cashing, for example, “0” is stored when cash can be procured on the day when cashing is requested, and “3” is stored when cash can be procured after three days. In the embodiment, the number of days is adopted as a unit of time for procuring cash, but the unit of time for procuring cash is not limited to the number of days. Another unit such as a second unit or a minute unit may be adopted as a unit of time for procuring cash. The financial product management database 313 is an example of “procurement time management means”. The number of days for cashing is an example of “cashing time”.

  The real account management unit 301 manages real accounts held by customers. For example, when a customer opens a new real account in the financial institution 2, the real account management unit 301 includes a customer ID of the customer, an account number of the opened real account, and a financial product to be traded using the real account. The correspondence is stored in the real account management database 308. Further, for example, when an actual account management instruction including the account number of the actual account and the customer ID is received from the customer terminal 4, the actual account management unit 301 acquires the account information in the management server 5 of the financial institution specified by the account number. The request is transmitted, and the value of the real account specified by the account number and the information specifying the financial product to be traded using the real account are acquired from the management server 5. The real account management unit 301 stores the acquired monetary value and information specifying the financial product in the real account management table 3081 of the real account management database 308 in association with the customer ID.

  Further, for example, when the withdrawal from the real account is performed, the real account management unit 301 updates the real account management table 3081 by subtracting the value of the withdrawal-source real account by the amount that has been withdrawn. Also, for example, when funds are transferred from the remittance source real account to the remittance destination real account, the real account management unit 301 subtracts the value of the remittance source real account by the amount of the transferred funds, and The real account management table 3081 is updated by adding the value of the real account by the amount of funds transferred. The real account management unit 301 is an example of a “result value management unit”.

The virtual account management unit 302 manages virtual accounts held by customers. When the virtual account management unit 302 detects one or more real accounts associated with the same customer ID in the real account management table 3081 of the real account management database 308, the virtual account management unit 302 associates with the detected one or more real accounts. Create a virtual account. The virtual account is created by the virtual account management unit 302 by associating the virtual account number of the virtual account with the account number of the real account.
This is done by storing it in 1. For example, the virtual account management unit 302 refers to the virtual account management table 3091 of the virtual account management database 309 and specifies a real account associated with the virtual account. Further, the virtual account management unit 302 refers to the real account management table 3081 of the real account management database 308 and acquires the value of each identified real account. The virtual account management unit 302 calculates the total of the acquired values, and transmits the calculated total of the values and the virtual account number of the virtual account in association with each other to the customer terminal 4. The sum of the calculated values can be referred to as a virtual account balance. The virtual account management unit 302 is an example of a “virtual account management unit”.

  The accepting unit 303 accepts various requests from the customer terminal 4. For example, when accepting a real account management request including an account number of a real account and a customer ID, the accepting unit 303 requests the real account management unit 301 to perform processing corresponding to the real account management request. For example, when receiving a setting request including a target portfolio and a customer ID from the customer terminal 4, the receiving unit 303 requests the portfolio management unit 304 to perform processing according to the setting request. When accepting a withdrawal request including a withdrawal amount and a customer ID from the customer terminal 4, the accepting unit 303 requests the transaction processing unit 305 and the pool account management unit 306 to perform processing corresponding to the withdrawal request.

  The portfolio management unit 304 manages a portfolio for each customer. For example, when the portfolio management unit 304 receives a setting request from the customer terminal 4 from the reception unit 303, the portfolio management unit 304 stores the ratio for each financial product in the target portfolio management table 3111 of the target portfolio management database 311 according to the received setting request. Further, upon receiving an inquiry including the customer ID, the portfolio management unit 304 returns the target portfolio and the actual portfolio associated with the customer ID to the inquiry source.

  The trade processing unit 305 buys and sells financial products owned by the customer and raises cash, or purchases financial products based on funds deposited in the virtual account. For example, when the withdrawal processing unit 305 receives a withdrawal request from the customer terminal 4 from the reception unit 303, the trading processing unit 305 extracts a customer ID and an amount included in the withdrawal request. The trade processing unit 305 makes an inquiry including the extracted customer ID to the portfolio management unit 304, and receives the target portfolio and the actual portfolio associated with the customer ID. The trading processor 305 determines the trading volume of the financial product held by the customer specified by the customer ID so that the real portfolio approaches the target portfolio. For example, the trading volume may be determined so that the actual portfolio approaches the target portfolio, and the difference between the total purchase amount of each financial product and the total sale amount is the amount included in the withdrawal request. Good. The buying and selling processing unit 305 buys and sells financial products according to the determined buying and selling amount and procures cash. The trading processor 305 deposits the cash that has been procured into the pool account and updates the pool account deposit / withdrawal management table 3101 of the pool account management database 310. The sale processing unit 305 is an example of a “sales amount determination unit” and a “procurement unit”.

  The pool account management unit 306 manages pool accounts. When the pool account management unit 306 receives, for example, a withdrawal request from the customer terminal 4 from the reception unit 303, the pool account management unit 306 withdraws the requested amount from the pool account, and the pool account deposit / withdrawal management table of the pool account management database 310. 3101 is updated. Withdrawal may be executed, for example, by depositing into a customer's deposit account, or may be executed by withdrawing from the ATM when the customer terminal 4 is ATM. In addition, when the withdrawal destination is specified by the withdrawal instruction, the remittance may be executed to the designated withdrawal destination. For example, when a specific account number is designated as the withdrawal destination, the pool account management unit 306 may send money to the account of the designated account number. Further, for example, when information specifying electronic money is specified as a withdrawal destination, the pool account management unit 306 may request payment to a server that manages the electronic money. If the balance of the pool account is less than the amount specified in the withdrawal request, the pool account management unit 306 may notify the customer terminal 4 that the withdrawal is not possible. The pool account management unit 306 is an example of “withdrawal means”.

  The financial product management unit 307 manages the characteristics of each financial product. The financial product management unit 307 extracts the financial institution that provides the financial product and the name of the financial product from “financial product” in the real account management table 3081. The financial product management unit 307 transmits a financial product information acquisition request for requesting provision of financial product information to the management server 5 of the financial institution that provides the financial product. The financial product management unit 307 receives provision of financial product information from the management server 5 as a response to the financial product information acquisition request. The information on the financial product to be provided includes, for example, the number of days for cashing from when the financial product is bought and sold until cash is procured. The financial product management unit 307 associates information for specifying a financial product with the number of days for cashing and stores the information in the financial product management table 3131 of the financial product management database 313. The financial product management unit 307 is an example of “procurement time management means”.

<Processing block of management server 5>
The management server 5 includes a providing unit 501 as illustrated in FIG. Hereinafter, processing blocks of the management server 5 will be described with reference to FIG.

  Upon receiving the account information acquisition request from the bank server 3, the providing unit 501 specifies the value of the real account specified by the account number included in the account information acquisition request and the financial product to be traded using the real account Are transmitted to the bank server 3.

<Processing sequence>
11 and 12 are diagrams illustrating an example of a processing sequence of the operation support system 1 according to the embodiment. “A”, “B”, and “C” in FIG. 11 are connected to “A”, “B”, and “C” in FIG. 12, respectively. Hereinafter, an example of a processing sequence of the operation support system 1 according to the embodiment will be described with reference to FIG.

  In S <b> 1, the setting unit 401 of the customer terminal 4 transmits a real account management instruction including the customer ID and the account number of the real account held by the customer to the bank server 3. In S <b> 2, the reception unit 303 receives a real account management instruction from the customer terminal 4. The accepting unit 303 passes the received real account management instruction to the real account management unit 301. The real account management unit 301 extracts the customer ID and the account number from the real account management instruction received from the reception unit 303. The real account management unit 301 transmits an account information acquisition request to the management server 5 indicated by the extracted account number.

  In S <b> 3, the providing unit 501 of the management server 5 includes, as a response to the account information acquisition request received in S <b> 2, account information that includes the value of the real account and information that identifies the financial product that is traded using the real account. Send. In S4, the real account management unit 301 associates the value of the acquired real account and the information specifying the financial product to be traded using the real account with the account number and the customer ID in the real account management database 308. Stored in the account management table 3081.

  In S5, when the virtual account management unit 302 of the bank server 3 detects one or more real accounts associated with the same customer ID in the real account management table 3081 of the real account management database 308, the virtual account of the virtual account Generate a number. The virtual account management unit 302 associates the generated virtual account number with the account number of the real account and stores them in the virtual account management table 3091 of the virtual account management database 309. S5 is an example of a “virtual account management step”.

  In S <b> 6, the virtual account management unit 302 acquires the value of each real account included in the virtual account from the real account management table 3081 of the real account management database 308. The virtual account management unit 302 calculates the total value acquired, and notifies the customer terminal 4 of the correspondence between the calculated value total and the virtual account number.

  In S <b> 7, the financial product management unit 307 refers to the real account management table 3081 of the real account management database 308 and identifies the financial product used by the customer of the financial institution 2. The financial product management unit 307 transmits a financial product information acquisition request to the management server 5 that manages each of the identified financial products. In S <b> 8, each management server 5 that has received the financial product acquisition request returns the number of days required for cashing each financial product to the bank server 3. In S9, the financial product management unit 307 stores the number of days required for cashing received in S8 and the financial product in association with each other in the financial product management table 3131.

  In S <b> 10, the setting unit 401 of the customer terminal 4 transmits a setting request to the bank server 3. In S <b> 11, the portfolio management unit 304 of the bank server 3 extracts the ratio of each financial product to the entire financial product held from the setting request received from the customer terminal 4 and the customer ID. The portfolio management unit 304 stores the extracted ratio for each financial product in the target portfolio management table 3111 of the target portfolio management database 311 in association with the customer ID. S11 is an example of a “target value management step”.

  In S <b> 12, the deposit / withdrawal request unit 402 of the customer terminal 4 transmits a withdrawal request to the bank server 3. In S <b> 13, the accepting unit 303 of the bank server 3 passes the received withdrawal request to the buying and selling processing unit 305. The trade processing unit 305 passes the customer ID extracted from the withdrawal request to the portfolio management unit 304 and requests confirmation of the real portfolio associated with the customer ID. The portfolio management unit 304 calculates a ratio for each financial product based on the real account management table 3081 of the real account management database 308. The portfolio management unit 304 stores the calculated ratio for each financial product in the actual portfolio management table 3121 of the actual portfolio management database 312 in association with the customer ID. Based on the target portfolio management table 3111 and the actual portfolio management table 3121, the portfolio management unit 304 stores the difference between the target value and the actual value of the ratio for each financial product in the portfolio comparison table 3122 of the actual portfolio management database 312. . S13 is an example of a “result value management step”.

  In S <b> 14, the trading processing unit 305 determines the trading volume of each financial product so that the total trading price of each financial product becomes the amount requested by the withdrawal request. At this time, the trading processor 305 determines the trading volume for each financial product so that the difference between the real portfolio stored in the real portfolio management table 3121 and the target portfolio stored in the target portfolio management table 3111 is reduced. To do. For example, the portfolio management unit 304 may set a larger sales amount for a financial product whose difference in the portfolio comparison table 3122 is greater than or equal to a predetermined value. For example, when the difference in the portfolio comparison table 3122 is greater than 0 and less than a predetermined value, the portfolio management unit 304 may set the sale amount to be small. Further, for example, the portfolio management unit 304 may not buy or sell a financial product whose difference in the portfolio comparison table 3122 is 0 or less. S14 is an example of a “trading amount determination step”.

  In S15, the buying and selling processing unit 305 procures cash by buying and selling each financial product according to the buying and selling amount determined in S11. S15 is an example of a “procurement step”. In S16, the trade processing unit 305 withdraws money from the pool account and deposits the cash procured in S15 into the pool account. The withdrawal is performed by, for example, withdrawal through ATM or depositing into a customer's deposit account. S16 is an example of a “withdrawal step”.

<Effects of Embodiment>
In the operation support system 1 according to the embodiment, a plurality of real accounts held by a customer are combined into one virtual account, and withdrawal is performed from the virtual account. Therefore, according to the embodiment, the customer can withdraw cash without making a withdrawal request for each of the plurality of real accounts.

  In the operation support system 1 according to the embodiment, the bank server 3 that has received the withdrawal request determines the trading amount of the financial product corresponding to the real account so that the value of each real account approaches the target portfolio. Therefore, the customer does not have to determine how much to buy or sell individual financial products in order to approach the target portfolio. Therefore, it is possible to reduce the burden on customers related to cashing. That is, according to the embodiment, it is easy to buy and sell financial products while maintaining a portfolio. Here, trading includes sales and purchases, so if the fluctuation in the market value of some financial products is large and it is difficult to get close to the target portfolio by selling alone, purchasing some financial products The real portfolio can be brought close to the target portfolio.

  In the operation support system 1 according to the embodiment, when a withdrawal request is received, a financial product is bought and sold, and withdrawal is performed from a pool account in which cash is deposited in advance. Therefore, even if the customer holds a financial product that requires a certain number of days for cashing, the withdrawal can be made immediately.

  In the operation support system 1 according to the embodiment, the withdrawal request may include designation of a withdrawal destination. When information specifying electronic money is included as a withdrawal destination, the electronic money designated by the withdrawal request can be charged. Further, by designating the transfer destination account at the time of shopping in online shopping or the like as the withdrawal destination account, it is possible to deposit the transfer destination account in accordance with the withdrawal request.

  In the embodiment, a customer ID is issued for each customer, and a virtual account number is issued for each virtual account. Therefore, for example, even if the customer holds multiple virtual accounts for each purpose of funds (children's school funds, life funds after retirement, funds for hobbies and leisure, etc.), customer ID and virtual account number This makes it easy to associate a customer with a virtual account.

<First Modification>
In an embodiment, withdrawals are made from a pool account, and cash raised by buying and selling financial instruments is deposited into the pool account. However, the pool account may be omitted from the operation support system 1 when cash can be procured immediately by buying and selling financial products. In this case, the cash procured by buying and selling the financial product may be withdrawn.

<Second Modification>
In the embodiment, all of the amount requested to be withdrawn is withdrawn from the pool account, but a part of the requested amount may be withdrawn from the pool account. That is, from the pool account, among the requested amounts, financial products that cannot be immediately cashed (for example, financial products whose cashing days are not 0 in the financial product management table 3131 of the financial product management database 313). Withdraw money for procurement. Of the amounts requested to be withdrawn, the remaining amount is a financial product that can be immediately cashed (for example, a financial product having a cashing period of 0 in the financial product management table 3131 of the financial product management database 313). ) Cash raised by buying and selling should be withdrawn.

<Third Modification>
In the embodiment, when the balance of the pool account is less than the amount specified in the withdrawal request, the customer terminal 4 is notified that the withdrawal is not possible. In the third modification, when the balance of the pool account is insufficient, cash is lent out using the customer's financial product as collateral, and the lent cash and the cash in the pool account are combined. In the embodiment, the pool account is shared by customers of the financial institution 2, but in the third modification, the pool account is individually prepared for each customer of the financial institution 2.
In this case, the funds secured in the pool account are secured, for example, by the customer pre-paying funds that are not to be managed by the portfolio.

  For managing the pool account prepared for each customer, a pool account correspondence management table that associates the pool account number of the pool account, the balance of the pool account, and the virtual account number for each customer can be used. FIG. 13 is a diagram showing an example of a pool account correspondence management table 3102 stored in the pool account management database 310. The pool account correspondence management table 3102 includes items of customer ID, pool account number, virtual account number, and pool account balance. As in the real account management table 3081, the customer ID stores a customer ID that uniquely identifies the customer in the financial institution 2. The pool account number stores a number that identifies the pool account. Similar to the virtual account management table 3091, the virtual account number stores a number that identifies the virtual account. The pool account balance stores information indicating the amount deposited in the pool account.

  The pool account management unit 306 refers to the pool account correspondence management table 3102 and compares the amount requested for withdrawal with the balance of the pool account of the customer who requested withdrawal, and if the balance is insufficient, the customer The financial institution 2 is requested to lend cash secured by the financial product held by the financial institution. The pool account management unit 306 only has to withdraw the cash lent from the financial institution 2 and the cash in the pool account. If the balance of the pool account is not insufficient, the pool account management unit 306 may withdraw from the pool account.

<Fourth Modification>
In the embodiment, the trading volume of each financial product is determined so that the difference between the target portfolio and the actual portfolio is reduced. However, financial products held by customers may include financial products that do not want to be bought or sold and financial products that you want to buy and sell frequently. That is, trading priority may differ depending on the financial product. In the fourth modification, a priority is specified for each financial product held by a customer, and a product with a high priority is preferentially traded.

  FIG. 14 is a diagram showing an example of the real account management table 3081a stored in the real account management database 308 according to the fourth modification. The real account management table 3081a is different from the real account management table 3081 in that it includes an item of “priority”. The “priority” stores the degree of priority when buying and selling financial products. The priority is indicated by, for example, a numerical value in four stages, and 0 indicates that no trading is performed. Priorities 1 to 3 indicate that financial products are preferentially traded as the numerical value increases. In the fourth modified example, the buying and selling processing unit 305 buys and sells each financial product so as to increase the trading volume of the financial product associated with the higher priority within a range where the difference between the target portfolio and the actual portfolio is reduced. Determine the amount. According to the fourth modification, it is possible to buy and sell financial products reflecting the customer's intention to buy and sell which financial products with priority. The real account management table 3081a is an example of “priority management means”.

<Fifth Modification>
The embodiment has been described on the assumption that a different account is used for each financial product, but a plurality of financial products may be traded with one account. In such a fifth modification, the financial product and the value may be managed in association with each other. FIG. 15 is a diagram showing an example of the real account management table 3081b stored in the real account management database 308 according to the fifth modification. The real account management table 3081b illustrated in FIG. 15 is different from the real account management table 3081 according to the embodiment in that the item “account number” is not included. In FIG. 15, the order of items is changed from that of the real account management table 3081 for the sake of easy viewing. However, the items may be arranged in the same order as the real account management table 3081. Furthermore, in the fifth modification, the virtual account is managed by the correspondence between the financial product and the virtual account number. FIG. 16 is a diagram showing an example of a virtual account management table 3091a stored in the virtual account management database 309 according to the fifth modification. In the virtual account management table 3091a, unlike the virtual account management table 3091 according to the embodiment, a financial product and a virtual account number are associated with each customer ID. By adopting such a configuration, it is possible to manage a plurality of financial products held by a customer as one virtual account, so that it is easy to buy and sell financial products while maintaining a portfolio as in the embodiment. Become.

<Sixth Modification>
In the embodiment, the bank server 3 that has received the withdrawal request has purchased cash by buying and selling financial products. However, if the amount specified by the withdrawal request is small, there may be a case where the minimum unit of trading in the financial product is not reached. Therefore, in the sixth modification, when the trading volume of the financial product required for the procurement of the amount specified by the withdrawal request is less than the minimum unit, the bank server 3 withdraws from the pool account and receives the withdrawal request. No purchase or sale of financial products at that time. In such a case, the bank server 3 buys and sells financial products corresponding to the accumulated amount specified in the withdrawal request received during the predetermined period every predetermined period (for example, one month). You just have to deposit the amount you raised into the pool account. Or, when the accumulated amount of the amounts specified by the plurality of received withdrawal requests reaches the minimum unit of trading in the financial product, the bank server 3 stores the amount procured by buying and selling the financial product in the pool account. You may deposit money.

  In the sixth modified example, buying and selling of financial products is not performed every time a withdrawal request is made. In the pool account, when the accumulated amount of money desired to be cashed reaches the minimum unit of buying and selling of financial products, the financial products are bought and sold and payment is performed. Since the number of withdrawals from the actual account can be reduced by such processing, according to the embodiment, it is not necessary to perform processing for bringing the actual portfolio closer to the target portfolio every time a withdrawal request is received.

<Seventh Modification>
In the embodiment, a customer ID is assigned to each customer, and a virtual account number is assigned to each virtual account. However, in the case of holding one virtual account for each customer, the virtual account can be specified by the customer ID. In such a case, the management of the virtual account is performed using the customer ID instead of the virtual account number. May be performed.

<Eighth Modification>
In the embodiment, the withdrawal request is transmitted from the customer terminal 4 held by the customer. However, transmission of the withdrawal request is not limited to the customer terminal 4 owned by the customer. The withdrawal request may be transmitted, for example, from an information processing apparatus held by a third party different from the customer. By adopting such a configuration, for example, when a customer purchases a product, the customer's virtual account can be obtained by sending a withdrawal request from an information processing device held by the seller (for example, store) of the product. You can collect the price of the goods by direct debit.

<Ninth Modification>
In the embodiment, for example, the actual account management instruction in S1 of FIG. 11 and the instruction such as the setting request in S10 are transmitted from the customer terminal 4 held by the customer. However, these instructions may be transmitted, for example, from a clerk terminal that is an information processing apparatus operated by a clerk of a financial institution. By adopting such a configuration, even if the customer does not have an information processing device, the employee who requested the customer can operate the employee terminal to transmit an actual account management instruction, a setting request, etc. It becomes possible.

<10th modification>
In the embodiment, the customer receives the withdrawal from the virtual account. However, for example, the customer may withdraw from a specific real account using a cash card or the like. Since the proportion of the specific real account withdrawn in the real portfolio decreases, the real portfolio will move away from the target portfolio. In the bank server 3, for example, the real account management unit 301 can detect the withdrawal from the specific account by detecting the decrease in the balance of the specific real account. When a withdrawal is made from a specific real account, the trading processor 305 of the bank server 3 determines the trading volume of each financial product, and buys and sells the financial product of the determined trading volume, thereby targeting the real portfolio. Can be close to the portfolio. Cash procured by buying and selling financial products is deposited into a pool account, for example.

<Eleventh Modification>
In the embodiment, a real account management unit 301, a virtual account management unit 302, a reception unit 303, a portfolio management unit 304, a trade processing unit 305, a pool account management unit 306, a financial product management unit 307, a real account management database 308, a virtual account One bank server 3 includes processing units of a management database 309, a pool account management database 310, a target portfolio management database 311, an actual portfolio management database 312 and a financial product management database 313. However, these processing units are not limited to the configuration provided in one bank server 3, and each of a plurality of servers may share these processing units. In such a case, it is only necessary that the plurality of servers cooperate to execute the process, and the plurality of servers can be collectively regarded as the bank server 3. A plurality of servers that can be regarded as the bank server 3 is an example of an “information processing system”.

<Twelfth modification>
In the embodiment, the bank server 3 that has received the withdrawal request determines the trading volume of each financial product, and buys and sells financial products according to the determined trading volume. Instead, the customer terminal 4 may be notified of the determined trading volume of each financial product. With such a configuration, the bank server 3 can notify the customer of the trading volume of each financial product before actually trading. Therefore, the customer can easily grasp the trading volume of financial products that can maintain the target portfolio.

<Thirteenth Modification>
In the embodiment, the trading volume of each financial product is determined according to the withdrawal from the virtual account. However, the disclosed technique is not limited to the withdrawal from the virtual account, and may be applied to the deposit to the virtual account. For example, the deposit / withdrawal request unit 402 of the customer terminal 4 accepts a deposit request including the amount to be deposited and the customer ID by the accepting unit 303 of the bank server 3. The accepting unit 303 requests the transaction processing unit 305 to perform processing according to the deposit request. The trading processor 305 extracts the customer ID and the amount included in the deposit request, and receives the target portfolio and the actual portfolio associated with the customer ID, as in the embodiment.

  The trading processor 305 determines the trading volume of the financial product so that the actual portfolio approaches the target portfolio and the purchase price of the financial product is an amount included in the deposit request. The trading volume of financial instruments is determined so that the actual portfolio approaches the target portfolio and the difference between the total purchase amount and the total sale price of each financial instrument is the amount included in the deposit request. Good. The trading processor 305 buys and sells financial products according to the determined trading volume.

  According to the thirteenth modification, when the virtual account is deposited, the trading volume of the financial product is determined so that the portfolio can be maintained based on the deposited funds, and the financial transaction is performed according to the determined trading volume. By purchasing products, the real portfolio can be brought closer to the target portfolio.

  The embodiments and modifications disclosed above can be combined.

<< Computer-readable recording medium >>
An information processing program that causes a computer or other machine or device (hereinafter, a computer or the like) to realize any of the functions described above can be recorded on a computer-readable recording medium. The function can be provided by causing a computer or the like to read and execute the program of the recording medium.

Here, a computer-readable recording medium is a recording medium that stores information such as data and programs by electrical, magnetic, optical, mechanical, or chemical action and can be read from a computer or the like. Say. Examples of such a recording medium that can be removed from a computer or the like include, for example, a flexible disk, a magneto-optical disk, a Compact Disc Read Only Memory (CD-ROM), a Compact Disc-Recordable (CD-R), and a Compact Disc-ReWriterable. (CD-RW), Digital Versatile Disc (DVD), Blu-ray Disc (BD), Digital Audio Tape (DAT), 8 mm tape, flash memory, and other memory cards. Moreover, there are a hard disk, a ROM, and the like as a recording medium fixed to a computer or the like.

1. Operation support system 100. Information processing device 101. CPU
102..Main storage unit 103..Auxiliary storage unit 104..Communication unit 2..Financial institution 3 .... Bank server 301..Real account management unit 302..Virtual account management unit 303..Reception unit 304..Portfolio Management unit 305 .. Trading processor 306 .. Pool account management unit 307 .. Financial product management unit 308 .. Real account management database 3081, 3081 a, 3081 b .. Real account management table 309 .. Virtual account management database 3091, 3091 a・ ・ Virtual account management table 310 ・ ・ Pool account management database 3101 ・ ・ Pool account deposit / withdrawal management table 3102 ・ ・ Pool account correspondence management table 311 ・ ・ Target portfolio management database 3111 ・ ・ Target portfolio management table 312 ・ ・ Real portfolio management The database 3121 ·· Real portfolio management table 3122 ·· Portfolio comparison table 313 ·· Financial product management database 3131 ·· Financial product management table 4 ·· Customer terminal 401 ·· Setting unit 402 ·· Payment / withdrawal request unit 5 ·· Management server 501 ..Providing section B1 ・ ・ Connection bus N1 ・ ・ Network

Claims (11)

A target value management means for managing a target value of the ratio of the monetary value of each of the plurality of financial products to the total monetary value of the plurality of financial products held by a customer;
Actual value management means for managing the actual value of the ratio of the monetary value of each financial product to the total monetary value of financial products held by the customer;
A virtual account management means for managing a virtual account having a balance of the monetary value of each of a plurality of financial products held by a customer;
Upon receiving a withdrawal request from the virtual account, based on the actual value and the target value, the actual value approaches the target value, and the sum of the trading amount of each financial product is the withdrawal amount. A trading volume determination means for determining the sales volume or purchase volume of each financial product so as to be the amount specified in the request,
Information processing system. Procurement means for buying and selling cash by buying and selling each financial product according to the amount sold or the amount purchased,
Withdrawing means for withdrawing the cash,
The information processing system according to claim 1. A pool account management means for managing a pool account in which cash is deposited in advance;
The withdrawal means withdraws cash from the pool account,
The procurement means deposits the procured cash into the pool account.
The information processing system according to claim 2. When the cash secured in the pool account is less than the amount specified by the withdrawal request, the withdrawal means stores the finance held by the customer with respect to a management server of a financial institution in which the customer holds the account. Request cash lending with the product as collateral and withdraw the lending cash,
The information processing system according to claim 3. For each of the financial products, further comprising a procurement time management means for managing the cashing time required until the sale price can be received or withdrawn,
The withdrawing means withdraws from the pool account the difference between the cash procured by selling a financial product whose cashing time is a predetermined value or less and the amount specified in the withdrawal request,
The information processing system according to claim 3 or 4. For each of the financial products, further comprising a priority management means that associates the priority of sale,
The trading volume determination means increases the sales volume of financial products associated with higher priority in a range where the actual value approaches the target value,
The information processing system according to any one of claims 1 to 5. A target value management means for managing a target value of the ratio of the monetary value of each of the plurality of financial products to the total monetary value of the plurality of financial products held by a customer;
Actual value management means for managing the actual value of the ratio of the monetary value of each financial product to the total monetary value of financial products held by the customer;
A virtual account management means for managing a virtual account having a balance of the monetary value of each of a plurality of financial products held by a customer;
When receiving the deposit request to the virtual account, based on the actual value and the target value, the actual value approaches the target value, and the total purchase amount of each financial product is the deposit request. A trading volume determination means for determining a sales volume or a purchase volume of each financial product so as to be a specified amount;
Information processing system. Computer
A target value management step of managing a target value of the ratio of the monetary value of each of the plurality of financial products to the total monetary value of the plurality of financial products held by the customer;
An actual value management step for managing the actual value of the ratio of the monetary value of each financial product to the total monetary value of financial products held by the customer;
A virtual account management step for managing a virtual account having a balance of the monetary value of each of a plurality of financial products held by a customer;
Upon receiving a withdrawal request from the virtual account, based on the actual value and the target value, the actual value approaches the target value, and the sum of the trading amount of each financial product is the withdrawal amount. Performing a trading volume determination step for determining the sales volume or purchase volume of each financial product so as to be the amount specified in the request;
Information processing method. Computer
A target value management step of managing a target value of the ratio of the monetary value of each of the plurality of financial products to the total monetary value of the plurality of financial products held by the customer;
An actual value management step for managing the actual value of the ratio of the monetary value of each financial product to the total monetary value of financial products held by the customer;
A virtual account management step for managing a virtual account having a balance of the monetary value of each of a plurality of financial products held by a customer;
When receiving the deposit request to the virtual account, based on the actual value and the target value, the actual value approaches the target value, and the total purchase amount of each financial product is the deposit request. Performing a trading volume determination step for determining a purchase volume or a sales volume of each financial product so as to become a specified amount;
Information processing method. On the computer,
A target value management step of managing a target value of the ratio of the monetary value of each of the plurality of financial products to the total monetary value of the plurality of financial products held by the customer;
An actual value management step for managing the actual value of the ratio of the monetary value of each financial product to the total monetary value of financial products held by the customer;
A virtual account management step for managing a virtual account having a balance of the monetary value of each of a plurality of financial products held by a customer;
Upon receiving a withdrawal request from the virtual account, based on the actual value and the target value, the actual value approaches the target value and the total sales amount of each financial product is the withdrawal amount. A trading volume determination step for determining the sales volume or purchase volume of each financial product so as to be the amount specified in the request;
Information processing program. On the computer,
A target value management step of managing a target value of the ratio of the monetary value of each of the plurality of financial products to the total monetary value of the plurality of financial products held by the customer;
An actual value management step for managing the actual value of the ratio of the monetary value of each financial product to the total monetary value of financial products held by the customer;
A virtual account management step for managing a virtual account having a balance of the monetary value of each of a plurality of financial products held by a customer;
When receiving the deposit request to the virtual account, based on the actual value and the target value, the actual value approaches the target value, and the total purchase amount of each financial product is the deposit request. A trading volume determination step for determining a purchase volume or a sales volume of each financial product so as to be a specified amount;
Information processing program.

Images