JP2020004047A - Time diversified investment support system, program and method - Google Patents

Abstract

To provide a time diversified investment support system capable of using financial service such as investment trust with a simple procedure and operation and controlling timing of investment by a customer.SOLUTION: A smart phone comprises: a transaction management unit 116c generating each transaction related to each financial instrument; a financial instrument mediation information management unit storing financial instrument mediation information for each customer; a financial instrument selection unit 116b storing a pattern of a financial market condition and selecting one or more financial instruments according to the pattern; a trigger information distribution unit distributing information including a pattern identifier specifying a current investment pattern as trigger information; an execution instruction unit acquiring the trigger information at a customer terminal used by a customer and sending execution instruction information at a timing designated by the customer; and an investment execution unit specifying the customer on the basis of the execution instruction information and calling a transaction corresponding to a financial instrument of the customer to execute a procedure related to the financial instrument.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a time-dispersed investment support system, a program, and a method for presenting information on an investment trust and supporting a time-distributed investment procedure.

  2. Description of the Related Art Conventionally, a service has been provided in which information about financial products such as investment trusts is used using a personal computer or a smartphone. For example, a system has been developed that efficiently combines individual investment products so as to increase the rate of return of investment products, and a system that can accurately estimate the risk of investment products (for example, Patent Document 1). One type of investment trust is funded investment. In this funded investment method, the investment law is to buy a fixed amount and a fixed number of investment trusts on a regular basis (monthly or weekly). Since there is no need to place an order, investment can be continued automatically, and a long-term investment is expected to have a time-dispersion effect of relatively reducing the influence of price fluctuations and reducing risk.

JP-A-11-110449

  However, even for services that automatically perform investment procedures, such as the above-mentioned funded investment, there are requests to control the timing of the investment to some extent on the customer side. It has been pointed out that there is a disadvantage that the procedure and operation become complicated because the user has to do the work by himself.

  The present invention has been made in view of the above-mentioned problems, and enables a customer to control the timing of investment while simplifying complicated procedures and operations when using financial services such as investment trusts. It is an object to provide a time-distributed investment support system, program, and method.

(Invention of time-distributed investment support system and time-distributed investment support method)
SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and is a time diversified investment support system that presents information on investment trusts and supports a time diversified investment procedure. A transaction management unit that generates each executed transaction for each financial product, a financial product brokerage information management unit that stores financial products available to each customer as financial product brokerage information for each customer, and invests a pattern of financial market conditions In addition to storing as pattern data, according to each investment pattern data, a financial product selection unit that selects one or more financial products from among the financial products stored in the financial product intermediation information management unit, and a current investment pattern A trigger distribution unit that distributes information including a pattern identifier to be specified as trigger information, and a customer terminal used by the customer. An execution instruction unit that sends execution instruction information at a timing designated by the customer, acquires execution instruction information from a customer terminal, identifies a customer based on the execution instruction information, An investment execution unit that calls a transaction corresponding to the customer's financial product selected by the selection unit from the transaction management unit and executes a procedure related to the financial product.

Further, the present invention is a time diversified investment support method for presenting information on an investment trust and supporting a time diversified investment procedure,
(1) The transaction management unit generates, for each financial product, each transaction to be executed for a procedure related to each financial product, and the financial product intermediation information management unit determines the financial products available to each customer for each customer. A financial product mediation information management step for storing as financial product mediation information;
(2) a trigger distribution step in which the trigger distribution unit distributes, as trigger information, information including a pattern identifier identifying a current investment pattern;
(3) an execution instruction step in which the execution instruction unit acquires trigger information at a customer terminal used by the customer and sends the execution instruction information at a timing designated by the customer;
(4) The investment execution unit acquires the execution instruction information from the customer terminal, identifies the customer based on the execution instruction information, and selects one of the financial products available to the customer stored in the financial product intermediation information management unit. An investment execution step of invoking a transaction corresponding to one or more financial instruments selected from the above and executing a procedure related to the financial instruments.

  In the above invention, the trigger information distributed from the trigger distribution unit is acquired, and the acquired trigger information is transmitted as code data obtained by encoding information including a pattern identifier. It is preferable that the apparatus further includes an execution instruction information generation unit that generates the specified customer identifier, acquires trigger information via the code transmission unit, and generates execution instruction information including the acquired trigger information and the customer identifier.

  In the above invention, the code data is a barcode or a two-dimensional code, the code transmission unit is a device or a medium capable of displaying the barcode or the two-dimensional code, and the execution instruction information generation unit is displayed by the code transmission unit. It is preferable to acquire the trigger information by photographing a bar code or a two-dimensional code.

  In the above invention, the history information is obtained by associating an acquisition path specifying unit that specifies a path from which the execution instruction unit has acquired the trigger information, a procedure executed by the investment execution unit, and an acquisition path specified by the acquisition path specifying unit with respect to the procedure. It is preferable to further include an execution history storage unit that stores the information as.

  In the above invention, it is preferable that the trigger information includes a transmission unit identifier that specifies the code transmission unit, and the acquisition path identification unit identifies the acquisition path by acquiring the transmission unit identifier via the execution instruction information generation unit. .

  In the above invention, the execution instruction information generating unit obtains the position information of the location where the trigger information is obtained, sends out the obtained position information together with the execution instruction information, and the acquisition path specifying unit sends the obtained position information from the execution instruction information generating unit. It is preferable to specify the acquisition route based on the obtained position information.

(Invention of a time-dispersed investment support program)
The above-described system and method according to the present invention can be realized by executing a program of the present invention described in a predetermined language on a computer. That is, the time-distributed investment support program of the present invention causes the information terminal device to function as an execution instruction unit in the above-described time-distributed investment support system.

  Then, the program of the present invention is installed on a mobile terminal device, a smartphone, a wearable terminal, a mobile PC or other information processing terminal, an IC chip of a general-purpose computer such as a personal computer or a server computer, or a memory device, and executed on the CPU. Accordingly, it is possible to construct a system having the above-described functions and implement the method according to the present invention.

  Also, the program of the present invention can be distributed, for example, through a communication line, and can be transferred as a package application that operates on a stand-alone computer by recording it on a computer-readable recording medium. Can be. Specifically, the recording medium can be recorded on various recording media such as a magnetic recording medium such as a flexible disk and a cassette tape, an optical disk such as a CD-ROM and a DVD-ROM, and a RAM card. According to the computer-readable recording medium on which the program is recorded, the above-described system and method can be easily implemented using a general-purpose computer or a special-purpose computer. Installation can be performed easily.

  As described above, according to the present invention, for example, by acquiring trigger information via a medium such as a QR code (registered trademark) or an IC card, an investment within a predetermined frame can be performed by a customer such as a smartphone. It can be easily executed on the terminal. Also, by providing trigger information such as signage and news, it is possible to diversify services such as granting affiliate commissions where investment is promoted.For example, convenience stores and banks provide services that provide this trigger information. Available to attract customers. In addition, by using trigger information, the customer can freely control the timing of investment, such as making an investment when the price of a financial product falls, unlike a funded investment that buys on a fixed date Time investment can be easily done. By purchasing when the price goes down, you can expect more investment results than ordinary funded investment.

  As a result, according to the present invention, unlike, for example, transactions in net securities, the investment behavior of customers can be made public, the entry of inexperienced investors can be easily promoted, and opportunities for using financial products can be increased to increase investment. The base of the field can be expanded. In addition, since it is possible to make an investment within a predetermined frame while securing the timing of the investment, even minors can experience the investment from a small amount.

FIG. 1 is a conceptual diagram illustrating an entire configuration of a time-dispersed investment support system according to an embodiment. It is a block diagram showing an internal configuration of a device in a store concerning an embodiment. (A) and (b) are block diagrams showing an internal configuration of the smartphone according to the embodiment. It is a block diagram showing an internal configuration of an investment support server concerning an embodiment. It is a sequence diagram showing the procedure of the time diversification investment method concerning an embodiment. FIG. 4 is an explanatory diagram illustrating an example of a code transmission unit according to the embodiment. FIG. 4 is an explanatory diagram illustrating an example of a code transmission unit according to the embodiment. FIG. 14 is a block diagram showing an internal configuration of a smartphone according to a modification. It is a block diagram which shows the internal structure of the investment support server concerning the example of a change. It is a sequence diagram which shows the procedure of the time dispersion investment method concerning the example of a change of embodiment.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the present embodiment, a case where the customer user 10 invests using an investment trust or the like will be described as an example. The embodiments described below exemplify an apparatus or the like for embodying the technical idea of the present invention, and the technical idea of the present invention is based on the material, shape, structure, The arrangement is not specified as follows. Various changes can be made to the technical concept of the present invention within the scope of the claims.

(Overall configuration of the time distributed investment support system)
FIG. 1 is a conceptual diagram showing the overall configuration of a time-distributed investment support system 1 according to the present embodiment. This time-distributed investment support system presents information on financial products such as investment trusts through transmission means such as affiliate web pages and signage installed in stores, etc. The gist is to provide support so that investment procedures can be easily carried out using the service. Specifically, as shown in FIG. 1, the time-distributed investment support system 1 according to the present embodiment includes an in-store device 3 installed in a store 7, a smartphone 11 used by a customer user 10, And an investment support server 6 arranged on the communication network 5. In the present embodiment, in-store equipment 71 having an access point function for performing wireless communication is installed in the store 7 as needed.

  The smartphone 11 is a customer terminal used by the customer user 10, and functions as an execution instruction unit that acquires trigger information and sends execution instruction information to the investment support server 6 at a timing designated by the customer user 10. Specifically, the smartphone 11 is a communication device using wireless communication, and is an arithmetic processing device that executes a predetermined computer program to perform information processing, and wirelessly communicates with a relay point such as a general base station. However, it is possible to receive communication services such as telephone calls and data communication while moving, and various functions can be realized by executing a predetermined application using the arithmetic processing function.

  Examples of this communication method include third-generation (3G) communication methods such as WCDMA (registered trademark) (Wideband Code Division Multiple Access) and CDMA2000 (Code Division Multiple Access 2000), and third-generation communication methods such as LTE (Long Term Evolution). A communication system of the fourth generation (4G), a communication system of the fifth generation (5G) or later, and the like are cited. It also has corresponding functions. Further, the smartphone 11 has a digital camera function, a GPS function, and the like.

  The investment support server 6 is a server device arranged on the communication network 5. In the present embodiment, the investment support server 6 manages the financial product information of the customer user 10 and, based on the setting and operation by the customer user 10, the financial product Execute transaction processing such as purchase of. In this embodiment, the investment support server 6 is realized by a single server device or a plurality of server device groups, virtually constructing a plurality of function modules on a CPU, and the respective function modules cooperate. ing. The investment support server 6 can transmit and receive data through the communication network 5 by a communication function, and can present a Web page through browser software by a Web server function.

  The in-store device 3 is a display device such as a liquid crystal display installed in the store 7, acquires the trigger information distributed from the investment support server 6, and codes the acquired trigger information in FIG. 6 or FIG. This is an example of a code transmission unit that displays and outputs QR code (registered trademark) or other code data 30a to 30d and transmits the code data to another device such as the smartphone 11. The illustrated code data 30a to 30d include pattern identifiers for specifying various investment categories or investment pattern data such as "Japanese stock investment", "US stock investment", "Asian stock investment", and "foreign bond investment", respectively. In addition, each of the code data 30a to 30d includes an affiliate that provides this information or a transmission means identifier for specifying the in-store device 3. The transmission means identifier is code information for specifying the code transmission means, but may be any identifier that can specify the source of the trigger information, that is, the acquisition path. For example, an ID for specifying the affiliate itself, the in-store device 3 May be positional information such as latitude and longitude for specifying the installation location of the device. Further, in the present embodiment, the display of the in-store device 3 presents procedure execution number information 30e for each investment category so that it can be compared with today and yesterday.

  The in-store equipment 71 is a communication device having a router function or an access point function for performing wireless communication in a predetermined area such as the store 7 by wireless communication such as general Wi-Fi and relaying communication with the communication network 5. is there. Through the function of relaying this communication, the in-store facility 71 can transmit and receive data to and from the smartphone 11 and the in-store device 3. As a function of relaying this communication, in addition to Wi-Fi communication, for example, short-range / non-contact communication using radio waves such as BLEBeacon or RFID (NFC) using Bluetooth (registered trademark), sound waves, infrared communication, or the like is used. Alternatively, these may be combined and relayed by performing bridge communication between different communication protocols.

  Further, the in-store equipment 71 has a function of relaying communication, for example, allowing data to be transmitted and received between the smartphone 11 and the in-store device 3 in the store 7 via Wi-Fi communication, or a global WAN-side communication network. May be connected so that the in-store device 3 can be remotely controlled from the investment support server 6. The in-store facility 71 may be omitted by incorporating the router function and the access point function provided in the in-store facility 71 into the in-store device 3.

(Time diversified investment support program)
The system according to the above-described embodiment can be realized by executing the program of the present invention described in a predetermined language on a computer. That is, the program of the present invention is installed on a mobile terminal device, a smartphone, a wearable terminal, a mobile PC or other information processing terminal, an IC chip of a general-purpose computer such as a personal computer or a server computer, or a memory device, and executed on a CPU. Accordingly, the present invention can be implemented by constructing a system having the above-described functions. In the present embodiment, by installing an application on a smartphone, the smartphone functions as an execution instruction unit.

  This program can be distributed, for example, through a communication line, and can be transferred as a package application that operates on a stand-alone computer by recording the program on a computer-readable recording medium. . Specifically, the recording medium can be recorded on various recording media such as a magnetic recording medium such as a flexible disk and a cassette tape, an optical disk such as a CD-ROM and a DVD-ROM, and a RAM card. According to the computer-readable recording medium on which the program is recorded, the above-described system and method can be easily implemented using a general-purpose computer or a special-purpose computer. Installation can be performed easily.

(Configuration of each device)
(1) Store device 3
FIG. 2 is a block diagram illustrating an internal configuration of the in-store device 3. The in-store device 3 is a terminal device as a code transmission unit that receives the trigger information distributed from the investment support server 6 and displays the received trigger information as a coded two-dimensional barcode. It includes a communication interface 38 for receiving information and other information, an output interface 39, a memory 37, and a control unit 36.

  The communication interface 38 is a module that transmits and receives data to and from the investment support server 6 and other communication devices. The communication interface 38 includes wireless LAN such as WiFi, short-range communication such as Bluetooth (registered trademark), and wireless communication such as 3G. And power line carrier communication through a power line such as PLC (Power Line Communication), PLT (Power Line Telecommunication), and the like.

  In the present embodiment, the output interface 39 includes a liquid crystal display 39b that outputs an image such as a liquid crystal display 39b, and a speaker 39a that outputs sound, and is a device that outputs audio such as images, sounds, and other messages. It is. As the other output interface 39, means for transmitting data to another device such as a USB terminal may be provided.

  The control unit 36 is an arithmetic processing unit of the CPU. By executing firmware, an OS, an application, and the like stored in the memory 37, various functional modules are virtually constructed on the CPU. Controls communication processing and output. The memory 37 is a non-volatile storage device, and stores, for example, various setting data and operation history in addition to firmware, OS programs, and applications. Specifically, the control unit 36 includes an information acquisition unit 36a, an output information generation unit 36b, and an output control unit 36c.

  The information acquisition unit 36 a is a module that acquires, for example, contents such as advertisements and news delivered through the communication network 5, such as video / audio and text, and acquires trigger information from the investment support server 6. The information (data) acquired by the information acquisition unit 36a is input to the output information generation unit 36b. The output information generation unit 36b is a module that generates output information for displaying trigger information combined with the content acquired by the information acquisition unit 36a, and inputs the output information to the output control unit 36c. The output control unit 36c is a module that controls output of audio and video from the speaker 39a, the liquid crystal display 39b, and the like via the output interface 39 based on the output information generated by the output information generation unit 36b.

(2) Smartphone 11
Next, the internal configuration of the smartphone 11 will be described. FIGS. 3A and 3B are block diagrams illustrating the internal configuration of the smartphone 11. The smartphone 11 is a communication device that uses wireless communication, and is also an arithmetic processing device that executes a predetermined computer program to perform information processing. Communication services such as data communication can be received while moving, and various functions can be realized by executing a predetermined application. Specifically, the smartphone 11 includes a control unit 111, a memory 115, a communication interface 114, an output interface 113, and an input interface 112 as basic components as shown in FIG. I have.

  The control unit 111 is an arithmetic processing unit such as a CPU, and various functional modules are virtually constructed by executing an OS, an application program, and other firmware stored in the memory 115. In this embodiment, a module related to the time-dispersed investment support is virtually constructed on the CPU by executing an application that is a time-distributed investment support program. The memory 115 is a non-volatile storage device, and stores the OS, the time-dispersed investment support application program, firmware, various setting data, other application data, and user data.

  The communication interface 114 is a module that transmits and receives data to and from another communication device. Examples of the communication method include a third-generation (3G) communication method such as WCDMA (registered trademark) and CDMA2000, and a fourth communication method such as LTE. In addition to the communication system of the generation (4G) and the communication system of the fifth generation (5G) and later, wireless communication such as wireless LAN such as Wi-Fi, short-range communication such as Bluetooth (registered trademark) and infrared, USB connection, and wired communication Wired communication using a predetermined protocol such as a LAN is also included.

  The output interface 113 has a display unit 113a such as a liquid crystal display of a touch panel, and displays an image or a moving image generated by the display information generation unit. The output interface 113 includes a speaker that outputs sound, an LED that emits light, and the like, and also includes a unit that sends data and signals to other devices such as a USB terminal and an audio / video terminal. The input interface 112 includes a touch panel, a keyboard, operation buttons, a camera 112a that captures images and videos, an acoustic microphone, and the like.

  The smartphone 11 executes the time-distributed investment support application, and as a module related to the time-distributed investment support, the terminal-side authentication unit 111a, the terminal identifier acquisition unit 111b, the trigger information acquisition unit 111c, and the execution instruction information generation unit 111d, an investment execution unit 116, and an execution history recording unit 111e.

  The terminal-side authentication unit 111a is a module that executes a part of an authentication process for receiving an investment support service from the investment support server 6, and includes a terminal identifier acquisition unit 111b. The terminal identifier acquisition unit 111b is a module that reads a terminal identifier for identifying the smartphone 11 itself from the memory 115 and provides the terminal identifier to the authentication process.

  The execution instruction information generation unit 111d reads out a customer identifier for specifying the customer, acquires trigger information from the trigger information acquisition unit 111c via a QR code (registered trademark), and executes the execution including the acquired trigger information and customer identifier. This is a module for generating instruction information. More specifically, the execution instruction information generation unit 111d communicates with the in-store device 3 through the communication interface 114 and analyzes a code image such as a QR code (registered trademark) or a bar code captured by the camera 112a. Then, it acquires the trigger information provided from the in-store device 3 or the like and generates the execution instruction information.

  Here, through the communication interface 38 of the in-store device 3, trigger information is acquired by a short-distance communication method such as Wi-Fi communication, Bluetooth (registered trademark), infrared rays, or the like, or QR displayed on the liquid crystal display 39 b of the in-store device 3. Trigger information is acquired by capturing and analyzing a code (registered trademark). The code transmission means for providing the trigger information includes, in addition to a display device such as a liquid crystal display, a poster or flyer on which a code image such as a QR code (registered trademark) or a bar code is printed or pasted as a seal, A paper medium such as a magazine article, a web page displayed on a personal computer, a smartphone, or the like is also included, and the trigger information may be obtained by photographing this with the camera 112a and analyzing the code image. Then, the execution instruction information generation unit 111d reads the authentication information of the user's user ID and password from the terminal-side authentication unit 111a, and generates the execution instruction information.

  This authentication information may be required to be input to the user every time authentication is performed, or may be stored in the memory 115 in a secure state in advance and read out each time authentication is performed. Then, the terminal-side authentication unit 111a requests the investment support server 6 to authenticate the right to use the investment support service, and executes a process according to the authentication result. For example, when the authentication processing is successful, the fact is displayed through the display unit 113a, and when the authentication processing is unsuccessful, an error is displayed through the display unit 113a.

  The investment execution unit 116 is a module that executes an investment procedure for a financial product that can be used by each user. In this modified example, as shown in detail in FIG. An instruction acquisition unit 116a, a financial product selection unit 116b, and a transaction management unit 116c are provided.

The execution instruction acquisition unit 116a acquires the execution instruction information generated by the execution instruction information generation unit 111d, and accesses the financial product intermediation information (portfolio site) presented by the investment support server 6 based on the execution instruction information. And a function for browsing the financial products of the customer selected by the financial product selection unit 116b. Then, the execution instruction acquisition unit 116a executes the investment procedure according to the execution instruction based on the operation of the customer user. When executing this investment procedure, the execution instruction acquisition unit 116a downloads the prospectus related to each procedure from the financial product intermediation information management unit 62, presents it to the customer user who is the operator, and approves the contents. Is executed. After presenting and approving the prospectus, the execution instruction acquisition unit 116a is a module that calls a transaction corresponding to the selected financial instrument from the transaction management unit 116c and executes a procedure related to the financial instrument by data communication. .

  The financial product selection unit 116b stores the pattern of the financial market conditions as investment pattern data, and according to each investment pattern data, one or more financial products from among the financial products stored in the financial product intermediation information management unit. Is a module to select. The transaction management unit 116c is a module that generates, for each financial product, each transaction executed for a procedure related to each financial product.

(3) Investment support server 6
Next, the internal configuration of the investment support server 6 will be described. FIG. 4 is a block diagram illustrating an internal configuration of the investment support server 6.

  The investment support server 6 is a server device arranged on the communication network 5, and through the communication network 5, the smartphone 11, the in-store device 3, and other devices, for example, communication devices and management devices installed in the store 7. And data can be transmitted and received. The investment support server 6 includes a communication interface 61 for performing data communication through the communication network 5, a financial product intermediation information management unit 62, an authentication unit 63 for authenticating the authority of a user or a user terminal, and an investment for executing an investment procedure. A management unit 64, a trigger information distribution unit 66, and various database groups 65 (65a to 65c) are provided.

  The financial product mediation information management unit 62 is a module that stores financial products available to each customer as financial product mediation information for each customer. Here, the financial product intermediation information is data for presenting information on “asset composition (list of financial assets)”, “list of securities”, “composition of financial products”, and in the present embodiment, the communication network 5 is presented as a Web page. This financial product intermediation information allows each customer user to view available financial products, purchased financial products, prices of each product, etc., and software that manages risk and calculates diversified investment is also implemented. I have. The financial product intermediation information in individual asset management is the composition (combination) of assets under management (owned assets), and its components include deposits and savings, bonds, stocks, investment trusts, REITs, foreign currency deposits, and foreign stocks. , Gold and the like.

  The financial product intermediation information management unit 62 can be configured by a server device having a user management function, a call connection rate measurement function, and a content distribution function, and can be realized by a server group in which a plurality of functions are distributed. It has become. The financial product intermediation information management unit 62 includes a Web server function, and is composed of material data such as HTML (HyperText Markup Language), video, audio, and image in a document system such as the WWW (World Wide Web). The financial product mediation information is also distributed as contents such as Web pages.

  The trigger information distribution unit 66 is a module that distributes, as trigger information, information including a pattern identifier that specifies an investment pattern based on various investment categories. This investment pattern includes regular purchases of financial products combined according to the category of investment category, fluctuations in the value of financial products according to market conditions, declines and soaring in stock prices and foreign exchange, and price movements of specific stocks. This includes the purchase of combinations of financial products that have been made compatible. This trigger information can be distributed, for example, as QR code (registered trademark), a bar code, or code data of an IC card. The distributed trigger information is transmitted to each customer through code transmission means of various devices and media. Presented for recognition. As the code transmission means serving as a medium, for example, an affiliate web page, a signage installed in a store or the like, a paper medium such as a poster, a flyer, a magazine article, etc., which can print and display a QR code (registered trademark) can be used. is there. The device as a code transmission means includes a display device installed in a store, a reader / writer of an IC card, and a device capable of transmitting signals via radio waves, infrared rays, sound waves, and the like. The trigger information displayed on the display device includes not only information transmitted in one direction via radio waves such as a television broadcast but also information distributed by two-way communication such as a Web site.

  When the trigger information distribution unit 66 distributes code data such as a two-dimensional barcode, for example, a method of downloading a QR code (registered trademark) image as an image file can be adopted. Alternatively, a method may be used in which only text data for barcode conversion is transmitted, and a two-dimensional barcode is generated by an application on the receiving side. Further, the information distributed by the trigger information distribution unit 66 may be transmitted from the investment support server 6 under the initiative of the investment support server 6, and the information is appropriately generated and distributed in response to a request from the affiliate. May be. When the investment support server 6 takes the initiative and transmits, for example, the market condition may be monitored and a financial product suitable for the current market condition may be selected to configure an investment category or an investment pattern. When the product is released, it may be transmitted in a form proposing an investment pattern that makes use of the characteristics of the product. On the other hand, when the distribution of the trigger information is requested under the initiative of the affiliate, the investment pattern proposed by each affiliate, the timing of purchase, and the combination of financial products are transmitted to the trigger information distribution unit 66, and the desired code is transmitted to the trigger information distribution unit 66. It can also be obtained from the unit 66.

  The investment management unit 64 is a module that executes an investment procedure for a financial product that can be used by each user. In the present embodiment, the investment instruction acquisition unit 64a and the acquisition path identification unit 64b are investment execution-related modules. It has. The execution instruction acquisition unit 64a acquires execution instruction information from the smartphone 11, identifies the customer who performed the operation based on the execution instruction information, and selects the financial product corresponding to the customer's financial product selected by the financial product selection unit. This is a module that presents the mediation information to the user. At this time, as the financial products included in the financial product intermediation information, one or more financial products selected by the financial product selection unit from the financial products stored in the financial product intermediation information management unit according to each investment pattern data. It is a product. The selection of the financial product may be performed only on the investment support server 6 side or in cooperation with the smartphone 11 side.

  The acquisition path identification unit 64b is a module that acquires the transmission unit identifier via the execution instruction information generation unit 111d on the smartphone 11 side, and the smartphone 11 identifies the acquisition path of the trigger information. When the trigger information includes a transmission means identifier for specifying the code transmission means, the acquisition path is specified by reading the transmission means identifier by the acquisition path identification unit 64b of the investment support server 6, or When the position information of the place where the trigger information is obtained is obtained, the processing is performed based on the obtained position information. Further, the acquisition path specifying unit 64b may read out the transmission means identifier included in the trigger information on the investment support application side on the smartphone 11, and may further specify the transmission means based on the position information, or may specify a separate transmission means. A direct transmission means identifier may be obtained by an application using a means (for example, short-range communication, non-contact communication) or the like.

  The database group 65 includes a financial product intermediation information database 65a that stores information on assets held by each user and available financial products as financial product intermediation information, together with information on users, and an investment procedure performed by each user. An execution history database 65b that accumulates a history of financial products, and a financial product database 65c that stores information about various financial products. Each of these databases may be a single database, or may be divided into a plurality of databases and a relational database in which each data is linked by setting a relation with each other.

  The information stored in the financial product intermediation information database 65a includes authentication information in which an identifier (user ID, terminal ID) for identifying a user or a user terminal used by the user, a password, and the like are included. And personal information of the user associated with the user ID, the model of the terminal device used, the terminal ID, and the like. The financial product intermediation information database 65a stores authentication histories (access histories) for each user or each user terminal, and, based on the relation with the execution history database 65b and the financial product database 65c, In addition, the investment procedure executed for each user terminal and the asset information as the investment result are associated with each other so that each user can refer to the information.

  The financial product information stored in the financial product database 65c is classified and stored for each type and purchase condition. Further, transactions required as electronic procedures for purchasing each financial product are registered and stored in the financial product database 65c. The execution history database 65b is a database that stores executed investment information (price, quantity, timing, etc.) in association with trigger information that has been the starting point of the executed investment procedure and its acquisition path.

  The authentication unit 63 establishes a communication session with the user and the user terminal via the communication interface 61, and performs an authentication process for each established communication session. In this authentication process, the authentication information is acquired from the user who is the accessor and the user terminal, and the user is specified by referring to the financial product intermediation information database 65a, and their authority is authenticated. The authentication result (user ID, authentication time, session ID, etc.) by the authentication unit 63 is sent to the financial product intermediation information management unit 62 and the investment management unit 64, and is accumulated as an authentication history in the financial product intermediation information database 65a. You.

(Time diversified investment support method)
By operating the time-distributed investment support system having the above configuration, the time-distributed investment support method of the present invention can be implemented. FIG. 5 is a sequence diagram illustrating a procedure of a time-distributed investment support method by operating the time-distributed investment support system according to the present embodiment.

  First, the customer sets the financial product intermediation information using his / her smartphone 11 (S201). Specifically, the customer user 10 starts an application for browsing financial product intermediation information on the smartphone 11, starts a connection process with the investment support server 6, establishes a communication session, and establishes own financial product intermediation information. To perform various managements such as purchase of financial products and setting of investment conditions and the like (S301). Here, it is assumed that a time-dispersed investment type financial product in which a user can select an investment timing has already been purchased.

  The investment support server 6 constantly monitors various market conditions such as stock prices and currency prices (S302). Here, it is assumed that various price movements of the financial market conditions and the like have already been recorded in the financial product intermediation information DB 65a as market condition pattern data, and the investment support server 6 always sets conditions under which the market condition changes to each investment pattern. Monitoring. Then, when a price movement exceeding a certain threshold such as a drop or a rise in the market price occurs, an investment pattern matching the price movement is selected, and trigger information including a pattern identifier for specifying the selected investment pattern is generated. Is delivered to each code transmission means such as the in-store device 3 (S303). In the delivery of the trigger information, the trigger information delivery unit 66 downloads, for example, an image of a QR code (registered trademark) as an image file, or transmits only text data for barcode conversion, and the reception-side application transmits the data. Or generate a dimensional barcode. The information to be distributed may be transmitted from the investment support server 6 periodically or irregularly under the initiative of the investment support server 6, and the information may be generated and distributed as appropriate in response to a request from the affiliate. You can also.

  As described above, each code transmission unit such as an affiliate that has received the new trigger information acquires the trigger information distributed from the trigger information distribution unit 66 (S101), and encodes the acquired trigger information into a QR code ( It is displayed as code data such as a registered trademark (S102). When the user who sees the trigger information decides to execute the investment, the user acquires the trigger information displayed on the in-store device 3 by a method such as shooting with the camera of the smartphone 11 (S202). The photographed QR code (registered trademark) is analyzed by an investment support application, and information such as a market condition pattern included in the trigger information is read out. Present information to the user. The user performs the operation of the execution instruction based on the presented investment information, and the execution instruction information is transmitted from the smartphone 11 to the investment support server 6 in response to the operation (S203).

  At this time, the investment support application in the smartphone 11 transmits the user ID (or the terminal ID) and the password as authentication information to the investment support server 6, and obtains the trigger information and the trigger information obtained from the in-store device 3. The current position at the time is also transmitted to the investment support server 6. The user ID and password may be required to be input to the user when starting a communication session, or may be set in advance in the investment support application and stored in the smartphone 11 as application data, and automatically authenticated. You may make it add to information.

  The investment support server 6 receives the execution instruction information from the smartphone 11 (S304), and executes an authentication process based on the authentication information included in the execution instruction information (S305). Specifically, the authentication unit 63 of the investment support server 6 establishes a communication session with the smartphone 11 through the communication interface 61, and performs authentication processing for each established communication session. In this authentication process, the authentication information received from the user terminal that is the accessor is analyzed, and the user or the like is identified with reference to the financial product mediation information database 65a for the user ID, terminal ID, and password included in the authentication information. Then, in accordance with the agreement or disagreement of the password or the like, the user or the smartphone 11 authenticates the right to use the financial product intermediation information of the customer user 10 itself.

  The authentication result (user ID, authentication time, session ID, etc.) by the authentication unit 63 is sent to the investment management unit 64, and the investment management unit 64 executes a process according to the authentication result (S306). When the authentication has failed (“N” in S306), the fact is notified to the smartphone 11 side, and error processing is executed on the smartphone 11 side (S205). The error processing includes, for example, outputting a message to the effect that authentication has failed to the investment support application, requesting another authentication processing, and executing an end processing. On the other hand, if the authentication unit 63 confirms that the user involved in the authentication request is a legitimate user and that the provision of the investment support service is permitted (“Y” in S306), the smartphone 11 , The financial product intermediation information can be browsed, and the investment support server 6 refers to the financial product intermediation information (S307).

  Specifically, in step S307, the execution instruction acquisition unit 116a acquires the execution instruction information generated by the execution instruction information generation unit 111d, and is presented on the investment support server 6 based on the acquired execution instruction information. Access financial product intermediation information and present it to users for browsing.

  In the present embodiment, the acquisition route of the trigger information is specified together with the reference to the financial product intermediation information. When the trigger information includes a transmission means identifier for specifying the code transmission means, the acquisition path is specified by reading the transmission means identifier by the acquisition path identification unit 64b of the investment support server 6, or When the position information of the place where the trigger information is obtained is obtained, the processing is performed based on the obtained position information. Here, a case where the acquisition route is specified on the investment support server 6 side is illustrated, but the present invention is not limited to this. For example, the acquisition information is included in the trigger information on the investment support application side on the smartphone 11. The transmission means identifier may be read out, and the transmission means may be specified based on the position information, or the transmission means identifier may be directly transmitted to the application by using another means (for example, short-range communication, non-contact communication). Or you may get.

  In response to the reference to the financial product intermediation information, the investment support server 6 analyzes the execution instruction, the investment support status, and the investment support policy based on the investment category, and selects an available financial product (S308). The information on the selected financial product is notified from the investment support server 6 to the smartphone 11, and the investment execution confirmation processing is executed (S309). At the time of this confirmation processing, the execution instruction acquisition unit 116a downloads the prospectus related to each financial product from the financial product mediation information management unit 62, presents it to the customer user who is the operator, and approves the contents. Execute

  After presenting and approving the prospectus, the customer user 10 executes an investment execution approval process (S206). In accordance with the approval process in the smartphone 11, the transaction management unit 116c of the investment support application calls a transaction for executing an investment related to the financial product selected in step S308 (S207), and the investment execution unit 116 performs an investment procedure through this transaction. Is executed (S208). In this investment procedure, a transaction called in accordance with each financial transaction system is used to request a trading system of a stock exchange handling a financial instrument to be invested to execute a trading procedure.

  Thereafter, after the investment procedure is completed, the execution result is notified from the smartphone 11 to the investment support server 6 (S209). Upon receiving the execution result, the investment support server 6 records the execution result (S310). The execution result is also recorded on the smartphone 11 side. At the time of recording the execution result, the investment procedure executed by the investment management unit 64 and the acquisition path specified in step S307 for the investment procedure are stored in association with each other as history information. This acquisition route may be analyzed on the investment support server 6 side, or may be specified on the smartphone 11 side and notified to the investment support server 6 side. The notified acquisition route is recorded in the investment support server 6 as history information in association with the executed investment procedure.

  Here, the in-store device 3 that has delivered the trigger information related to the execution of the investment procedure is specified based on the acquisition route specified or notified in step S307, and the affiliate fee payment information is updated. Then, after recording the execution result in the investment support server 6, the process returns to S302, and the market condition monitoring is repeated.

(Example of change)
The description of the embodiment described above is an example of the present invention. Therefore, the present invention is not limited to the above-described embodiment, and various changes can be made according to the design and the like within a range not departing from the technical idea according to the present invention.

  For example, in the above-described embodiment, the execution of the investment procedure is performed on the smartphone 11 side, but may be performed on the investment support server 6 side, for example, as illustrated in FIGS. More specifically, the function of the investment execution unit 116 shown in FIG. 3 may be arranged on the investment management unit 64 side of the investment support server 6 shown in FIG.

  In this case, the smartphone 11 is provided with an execution instruction unit 111f instead of the investment execution unit 116, and the execution instruction unit 111f transmits execution instruction information for instructing investment execution to the investment support server 6 side. Specifically, the execution instruction unit 111f is a module that acquires trigger information from the smartphone 11 used by the customer and sends the execution instruction information at a timing designated by the customer. The execution instruction information is generated by the execution instruction information generation unit 111d, and transmitted to the investment support server 6 through the communication interface 114 according to a user operation. The investment procedure executed based on the execution instruction by the execution instruction unit 111f is recorded as an execution history in the execution history recording unit 111e.

  On the other hand, the investment support server 6 is provided with an investment execution unit 67 that executes an investment procedure according to the execution instruction information instead of the investment management unit 64. FIG. 9 is a block diagram illustrating an internal configuration of the investment support server 6 according to the present modification.

  In this modification, the investment execution unit 67 is a module that executes an investment procedure for a financial product that can be used by each user. In the present embodiment, the investment execution unit 67 includes an execution instruction acquisition unit 67a and a financial product as investment-related modules. It includes a selection unit 67b, a transaction management unit 67c, and an acquisition path specifying unit 67d. The execution instruction acquisition unit 67a acquires execution instruction information from the smartphone 11, identifies the customer who performed the operation based on the execution instruction information, and executes a transaction corresponding to the financial product of the customer selected by the financial product selection unit. This module is called from the transaction management unit and executes procedures related to financial products. The financial product selection unit 67b stores the pattern of the financial market conditions as investment pattern data, and according to each investment pattern data, one or more financial products from among the financial products stored in the financial product intermediation information management unit. Is a module to select. The transaction management unit 67c is a module that generates, for each financial product, a transaction that is executed for a procedure related to each financial product.

  The acquisition path specifying unit 67d is a module that obtains a transmission unit identifier via the execution instruction information generation unit 111d on the smartphone 11 side and specifies the acquisition path of the trigger information by the smartphone 11. When the trigger information includes the transmission means identifier for specifying the code transmission means, the acquisition path is specified by reading the transmission means identifier by the acquisition path identification unit 67d of the investment support server 6, or When the position information of the place where the trigger information is obtained is obtained, the processing is performed based on the obtained position information. Further, the acquisition path specifying unit 67d may read out the transmission means identifier included in the trigger information on the investment support application side on the smartphone 11, and may further specify the transmission means based on the position information, A direct transmission means identifier may be obtained by an application using a means (for example, short-range communication, non-contact communication) or the like.

  In the system according to such a modification, the information related to the financial product selected in step S308 described above is notified from the investment support server 6 to the smartphone 11, and the investment execution confirmation processing is executed (S309). In response to the confirmation process, the customer user 10 executes an investment execution approval process (S206). In accordance with the approval process from the smartphone 11, the investment support server 6 calls a transaction for executing an investment relating to the financial instrument selected in step S308 (S311), and executes an investment procedure (S312).

  Thereafter, after the investment procedure is completed, the execution result is transmitted from the investment support server 6 to the smartphone 11 (S310). In response to the execution result, the execution result is recorded on the smartphone 11 (S209), and the investment is performed. The execution result is also recorded on the support server 6 side (S310). At the time of recording the execution result, the investment procedure executed by the investment execution unit 67 and the acquisition path specified in step S307 regarding the investment procedure are stored as history information in association with each other.

(Action / Effect)
According to the present embodiment described above, for example, by using trigger information via a medium such as a QR code (registered trademark) or an IC card, an investment within a predetermined frame can be made by the smartphone 11 such as a smartphone. It can be easily executed. Also, by providing trigger information such as signage and news, it is possible to diversify services such as granting affiliate fees to transmission media that encouraged investment execution.For example, convenience stores and banks provide this trigger information Services can be used to attract customers. In addition, by using trigger information, the customer can freely control the timing of investment, such as making an investment when the price of a financial product falls, unlike a funded investment that buys on a fixed date Time investment can be easily done. For example, by purchasing when the price has fallen, investment results can be expected to be better than general funded investment.

  As a result, according to the present embodiment, for example, unlike the transaction in the net securities, the investment behavior of the customer can be made public, the entry of the investment inexperienced person can be easily promoted, and the opportunity of using the financial product can be increased. The investment base can be expanded. In addition, since it is possible to make an investment within a predetermined frame while securing the timing of the investment, even minors can experience the investment from a small amount.

DESCRIPTION OF SYMBOLS 1 ... Time distributed investment support system 3 ... In-store device 5 ... Communication network 6 ... Investment support server 7 ... Store 10 ... Customer user 11 ... Smartphone 36 ... Control part 36a ... Information acquisition part 36b ... Output information generation part 36c ... Output control Section 37 Memory 38 Communication interface 39 Output interface 39a Speaker 39b Liquid crystal display 61 Communication interface 62 Financial intermediary information management section 63 Authentication section 64 Investment management section 64a Execution instruction acquisition section 64b Acquisition path Specific part 65 ... Database group 65a ... Financial instrument intermediation information database 65b ... Execution history database 65c ... Financial instrument database 66 ... Trigger information distribution part 65 ... Database group 65a ... Financial instrument intermediation information database 65b ... Execution history data Base 65c ... Financial product database 71 ... In-store equipment 111 ... Control unit 111a ... Terminal side authentication unit 111b ... Terminal identifier acquisition unit 111c ... Trigger information acquisition unit 111d ... Execution instruction information generation unit 111e ... Execution history recording unit 111f ... Execution instruction Unit 112 Input interface 112a Camera 113 Output interface 113a Display unit 114 Communication interface 115 Memory 116 Investment execution unit 116a Execution instruction acquisition unit 116b Financial instrument selection unit 116c Transaction management unit

Claims (8)

A time-dispersed investment support system that presents information on investment trusts and supports time-distributed investment procedures,
A transaction management unit that generates, for each financial instrument, each transaction executed for procedures related to each financial instrument;
A financial product mediation information management unit that stores financial products available to each customer as financial product mediation information for each customer;
The type and combination of financial products belonging to a predetermined investment category are stored as investment pattern data, and one or more financial products are selected from the financial products stored in the financial product intermediation information management unit according to each investment pattern data. A financial product selection section for selecting a product,
A trigger distribution unit that distributes information including a pattern identifier that specifies investment pattern data as trigger information,
An execution instructing unit that acquires the trigger information at a customer terminal used by the customer, and transmits execution instruction information at a timing specified by the customer;
Acquiring the execution instruction information from the customer terminal, specifying the customer based on the execution instruction information, and executing a transaction corresponding to the customer's financial product selected by the financial product selection unit from the transaction management unit. An investment execution unit for calling and executing a procedure related to the financial product. Code transmission means capable of acquiring trigger information distributed from the trigger distribution unit and transmitting the acquired trigger information as code data obtained by encoding information including the pattern identifier,
At the customer terminal, a customer identifier for identifying the customer is generated, and the trigger information is acquired via the code transmission unit, and the execution instruction information including the acquired trigger information and the customer identifier is generated. The time-distributed investment support system according to claim 1, further comprising an execution instruction information generation unit. The code data is a barcode or a two-dimensional code,
The code transmission unit is a device or a medium capable of displaying the barcode or the two-dimensional code,
3. The time-dispersed investment support system according to claim 2, wherein the execution instruction information generation unit acquires the trigger information by photographing the barcode or the two-dimensional code displayed by a code transmission unit. . An acquisition path identification unit that identifies a path from which the execution instruction unit has acquired the trigger information,
4. The apparatus according to claim 1, further comprising: an execution history storage unit that associates a procedure executed by the investment execution unit with an acquisition path specified by the acquisition path identification unit regarding the procedure and stores the history as history information. A time-dispersed investment support system according to any one of the above. The trigger information includes a transmission unit identifier that specifies the code transmission unit,
5. The time-distributed investment support system according to claim 4, wherein the acquisition path identification unit acquires the transmission unit identifier via the execution instruction information generation unit and identifies the acquisition path. The execution instruction information generating unit acquires the position information of the place where the trigger information is acquired, and sends out the acquired position information together with the execution instruction information,
The system according to claim 4, wherein the acquisition path identification unit identifies the acquisition path based on the position information sent from the execution instruction information generation unit.   The time-distributed investment support program according to any one of claims 1 to 6, wherein the information terminal device functions as the execution instruction unit. A time diversified investment support method for presenting information on investment trusts and supporting time diversified investment procedures,
The transaction management unit generates, for each financial product, each transaction to be executed for a procedure related to each financial product, and the financial product intermediation information management unit manages the financial products available to each customer for each customer. Financial product intermediation information management step for storing as information;
A trigger distribution step in which the trigger distribution unit distributes, as trigger information, information including a pattern identifier that specifies current investment pattern data;
An execution instructing unit that acquires the trigger information at a customer terminal used by the customer, and at a timing designated by the customer, sends execution execution information;
An investment execution unit acquires the execution instruction information from the customer terminal, identifies the customer based on the execution instruction information, and stores the financial information available to the customer stored in the financial product intermediation information management unit. An investment execution step of calling a transaction corresponding to one or more financial products selected from the products and executing a procedure related to the financial products.