JP2020035359A - Reserve balance management system and program - Google Patents

Abstract

To provide a reserve balance management system and a program capable of managing a balance according to a reserve purpose of a customer.SOLUTION: A reserve balance management system 20 comprises: wallet registration means 21 for receiving an input of setting registration information of a wallet which is set for every reserve purpose of a customer; reserve condition storage means 43 for associating a reserve condition which includes a purchase date, a purchase money value, and brand identification information of a purchase brand, and account identification information with a wallet management number and storing the same; wallet balance storage means 42 for associating the brand identification information of a brand which the customer possesses, a balance quantity, and the account identification information with the wallet management number and storing the same; and wallet balance update means 29 for, on the basis of a contract quantity of the brand which the customer purchased in the reserve condition, updating the balance quantity of the brand which the customer possesses stored in the wallet balance storage means 42.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a funded balance management system and a program configured by a computer that executes a process of managing a funded balance by a funded investment that repeatedly purchases financial products to be invested. This can be used when making funded investments in financial products such as contributory pensions and commodities.

  In general, investment trusts (hereinafter abbreviated as “investment trusts”), cumulative investment in stocks (hereinafter sometimes abbreviated as “cumulative stock investment”), defined contribution pensions, and commodities Products are purchased regularly for funding purposes.

On the other hand, there are a plurality of types of services related to reserve investment provided to customers, and the balance of the accumulated financial products is managed for each service. Therefore, an account for balance management is provided for each service. For example, a primary account for a comprehensive service (eg, a securities general account opened in a securities company, etc.), NISA (small investment tax exemption system) or NISA (especially for long-term, funded, diversified investment from a small amount). NISA account, etc.).

  It should be noted that the cumulative stock investment can be said to be a service that allows the purchase of less than one unit of shares. However, in the present application, the service (as described below, in the sense that there is a corresponding account for balance management). Services), not financial products. Conversely, fund wraps can be said to be financial products for investing in investment trusts, but in this application, they are not financial products, but are considered as fund wrap accounts for discretionary investment services that handle investment in investment trusts. .

  In the present application, the framework of balance management for each service is called an “account”. Some financial institutions, such as securities companies, that handle services related to funded investment, do not call the balance management framework for each service an "account" and have only one account for one customer. There is a case in which there is a balance management framework (therefore, for one customer, there is one account number and there is no account number for each service), but in the present application, one such case is used. For convenience of explanation, including the framework for managing the balance in the account, it will be referred to as "account". For this reason, regardless of whether or not each financial institution refers to a balance management framework for each service as an “account”, the present application uses information for identifying a plurality of frameworks set for each customer, It shall be called “account identification information”. Details of the definition of this term will be described later.

  In addition, the services described above and the account for managing the balance of each service (“account” in the present application) are often provided by the establishment of a national system, but in this application, the national system is not necessarily provided. The service is not limited to the service provided correspondingly to the service, but may be a service uniquely defined by a financial institution such as a securities company and an account corresponding to the service if it is a service related to funded investment.

  By the way, financial products related to funded investment, such as the above-mentioned investment trust and stock accumulation investment (stock stake), are handled by each service. Therefore, the balance of each accumulated financial product is managed in each account corresponding to each service. Specifically, for example, the balance of an investment trust, which is one of the financial products to be funded, is managed in both the main account and the NISA account. In more general terms, the balances of the brands α, β, γ, δ, ε,... Of the financial products are managed in each of the accounts X, Y, Z,... (Services X, Y, Z,. State. The account X manages the balance of the brands α, β,..., And the account Y manages the brands α, β,.

  At this time, depending on the financial system of each era and the operation within each financial institution, not all financial products are necessarily handled by all services. For example, the balance of accumulated investment in a NISA account In some cases, it is not managed (however, some financial institutions handle cumulative stock investments in NISA accounts), or in fund wrap accounts for discretionary investment services, they only handle investments in investment trusts. There are cases in which only the trust balance is managed, etc. Excluding such cases, when generalized, as described above, the balance of the balances of a plurality of financial instruments such as α, β, γ, δ, ε,. .. Are managed by a plurality of accounts X, Y, Z,..., The account and the brand have a many-to-many relationship. For this reason, the system manages balances that allow for many-to-many relationships, including changes to the national financial system and changes in operations within each financial institution.

  Conventionally, when the system manages the balance in which the account and the brand have a many-to-many relationship as described above, the account corresponding to each service (or the equivalent balance management framework for each service) is used. Thus, only the process of managing the balance of the name of each financial product has been performed. That is, since the account and the brand belonging to the account (hereinafter, may be abbreviated as “account> brand” in the sense of the account and the brand under the account) are the units of balance management, the account identification information and the brand Only the balance management of storing the balance amount of the brand in association with the identification information has been performed. Such balance management in the unit of account> brand is hereinafter referred to as “conventional system” balance management, or “conventional system” balance management in account units.

  As a system for handling the reserve balance, for example, an overseas remittance system (see Patent Document 1) for efficiently remitting a part of salary, or setting an investment link account in a bank and using it, 2. Description of the Related Art There is known an effective management system for financial assets (see Patent Literature 2) in which a bank is used as a sole point of contact and a fund is freely operated with a deposit transaction and deposited funds.

  In addition, from the viewpoint of asset formation and asset management in line with the purpose of funding, there are funding by purpose (such as time deposits) using deposits. For example, there is a case where one certain customer holds a plurality of time deposits in one account, and in this case, one customer temporarily opens a plurality of accounts X and Y, Even if account X holds a plurality of time deposits α and β for some purpose of funding and another account Y holds a plurality of time deposits α and β for the same purpose of funding, The deposit α and the time deposit α of the account Y are assets held independently of each other, and even if there is a connection on the customer's consciousness, asset management across a plurality of accounts X and Y is performed on the system. Not necessarily.

JP 2012-18526 A JP-A-2004-46873

  As described above, when there are a plurality of types of services related to reserve investment provided to customers, and an account for balance management is provided for each service, each service (that is, each account referred to in the present application) and Conventionally, the management of the balance of accumulated assets in a many-to-many relationship with the name of a financial instrument has been performed in units of accounts and the names belonging to the accounts (account> name).

  However, when a customer withdraws a funded asset, the customer does not necessarily perform it for each service (that is, each account). In short, the withdrawal of funded assets for the required purpose does not always take place in one account. In some cases, funded assets may be withdrawn over multiple services (ie, multiple accounts). From another perspective, each service (each account) does not necessarily correspond to the purpose of the customer's funding. Each service (each account) is provided by the financial system of the country or by the convenience of each financial institution. In terms of managing the balance of the funded assets, the customer has a passive use of the provided service. Because it is a position.

  For this reason, even if a customer makes a funded investment in himself, such as a car purchase fund, a child education fund, a retirement life fund, etc. In terms of management, it has been difficult to manage balances in accordance with those funding objectives.

  In addition, while there is an existing system for managing the balance of reserve assets in units of accounts and brands belonging to the account (account> brand), if balance management in accordance with the purpose of the customer's reserve is performed, there are two systems. Since the process for balance management is performed in parallel, it is necessary to match with the existing system balance management by the existing system, so a mechanism to prevent the balance managed by the two systems from causing inconsistency is constructed. There is a need to.

  SUMMARY OF THE INVENTION It is an object of the present invention to provide a fund management system and a program for managing a fund according to a customer's funding purpose.

The present invention is a reserve balance management system configured by a computer that executes a process of managing a reserve balance by a reserve investment that repeats the purchase of a financial instrument to be invested,
When there are multiple types of funded investment services to be provided to customers, and a balance management account is provided for each service, from a terminal device operated by the customer or its input agent, via a communication line, Wallet registration means for executing processing for receiving input of setting registration information for a wallet set for each customer's funding purpose and settable across a plurality of accounts;
The setting registration information received by the wallet registration means includes a purchase date, a purchase amount, and a funding condition including brand identification information on the purchased brand when purchasing a financial product to be invested, and a funding condition of the purchased brand. Reservation condition storage means for storing account identification information of the account for balance management in association with a wallet management number of a wallet to which the balance of the purchase brand of the account belongs,
The setting registration information received by the wallet registration means includes the issue identification information and the balance quantity of the issue held by the customer, and the account identification information of the account for managing the balance of the issue held by the customer, and the balance of the issue held by the account. Wallet balance storage means for storing in association with a wallet management number of a wallet to which
The fixed quantity of the issue brand of the account purchased according to the funding condition stored in the funding condition storage means, the wallet management number and account identification information associated with the funding condition in the funding condition storage means, and Wallet balance updating means for executing a wallet balance update process for adding to the balance amount of the customer's stocks stored in the wallet balance storage means in association with the brand identification information.

  Here, the “account identification information” includes [1] a main account number assigned to each customer and functioning as customer identification information, and an account type classification for identifying the type of account provided for each service provided to the customer. Or [2] account identification information consisting of an account number assigned to each service and each customer. In the case of the former [1], one customer is not assigned an account number for each service, and there is only one account number, so rather than a main account number, it is simply called an account number. Is also good. In the case of these [1] and [2], they may be used together within one financial institution, and when they are used together, the system of that financial institution converts [1] to [2]. It is sufficient that one or both of the conversion process and the conversion process from [2] to [1] can be executed.

  Specifically, in the case of the former [1], for example, an account number (main account number) = A is assigned to one customer, Taro Yamato, and a main account (an account for comprehensive services) Account type classification = K00, account type classification = N01 for NISA account (NISA or account for NISA), similarly, account X (account for service X), account Y (account for service Y) ), Account Z (account for service Z)... = K02, K03, K04,..., Account identification information for the main account of one customer, Taro Yamato, is A and K00 , And the account identification information of Taro Yamato's NISA account is a combination of A and K01. Similarly, the account identification information of Taro Yamato's account X, account Y, account Z,. Is, the combination of the A and the K02, a combination of the A and the K03, a combination of the A and K04, is .... Therefore, assuming that an account number (main account number) = B is assigned to another customer, Hanako Yamato, the account identification information for Hanako Yamato's main account is a combination of B and K00. Yes, the account identification information of Yamato Hanako's NISA account is a combination of B and K01. Similarly, the account identification information of Yamato Hanako's account X, account Y, account Z,. , A combination of B and K03, a combination of B and K04, and so on.

  In the latter case [2], an account number for each service is assigned to one customer. For example, for one customer named Taro Yamato, the account number of the main account (main account number) = A Are assigned, and the account number of the NISA account = A1 is assigned. Similarly, the account numbers of the accounts X, Y, Z,... Are assigned as A2, A3, A4,. Therefore, another customer, Hanako Yamato, is assigned the account number of the main account (main account number) = B, the account number of the NISA account = B1, and similarly the accounts X and Y. , Z,... Are assigned account numbers = B2, B3, B4,.

  The “main account number” and “account number” are not limited to numbers, but may be characters or symbols, or a combination thereof. In addition, the “account type category” includes the main account as one category. Therefore, in the present invention, the comprehensive / basic services provided by opening a main account (for example, a securities general account of a securities company) are provided. Service is also regarded as one of a plurality of types of services.

  Further, the “wallet management number” is not limited to a number, but may be a character or a symbol, or a combination thereof. Note that the wallet management number only needs to be attached so that a plurality of wallets set for one customer can be identified, but not only identification within one customer but also all customers May be able to be identified. In the case where only one customer is identified as in the former case, for example, when the wallet management number = 000001,000002,000003,. Both Taro and Hanako Yamato will be used, and the first wallet of Taro Yamato and the first wallet of Hanako Yamato have the same wallet management number = 000001. On the other hand, in a case where all the wallets of all the customers can be identified as in the latter case, for example, the wallet management number = A000001, the first, second, third,... A000002, A000003,..., And the wallet management number = B000001, B000002, B000003,... For the first, second, third,.

  In such a reserve balance management system of the present invention, the reserve condition including the purchase date, the purchase amount, and the purchase brand is set by the customer for each reserve purpose together with the account for balance management of the purchase brand. The information is managed in association with the wallet, and the information is stored in the accumulation condition storage means in association with the wallet management number. Also, the balance quantity of the purchased brand is managed in association with the wallet together with the balance management account, and the information is stored in the wallet balance storage means in association with the wallet management number. Accordingly, the balance quantity of each issue to be funded is associated with the wallet management number, the account identification information thereunder, and the issue identification information thereunder (wallet management number> account identification information> issue identification information). It will be managed.

  Since a wallet set for each funding purpose can be set across a plurality of accounts, a plurality of accounts are involved in one wallet, and a plurality of wallets are related to one account. It is possible to make settings that involve. Also, as described above, since each account and each issue managed in the balance have a many-to-many relationship, the relationship between each wallet and each issue of each account belonging to it is also a many-to-many relationship. It is possible to make settings that have many relationships. However, it is only necessary that the system be able to make such a setting, and it is up to the customer to set a state in which only one account is involved in one wallet. It is up to the customer to set the wallet so that only one brand of one account is involved, and it is up to the customer to set only one wallet.

  That is, there are accounts X, Y, Z,... (Accounts for services X, Y, Z,...), And there are brands α, β, γ, δ, ε,. It is assumed that the wallets 1, 2, 3,... According to the present invention are set when there are many relationships (so far, the relationships exist conventionally). Then, the accounts X, Y, Z,... Can be attributed to the wallet 1, and brands α, β, γ, δ, ε are assigned to the accounts X, Y, Z,. ,... Can be attributed. Similarly, accounts X, Y, Z,... Can be attributed to each of the wallets 2, 3,..., And brands α, The balance of β, γ, δ, ε,... can be assigned. Viewing this relationship from the account X, the account X is in a state where the balances of brands α, β, γ, δ, ε,... Belonging to the wallets 1, 2, 3,. Similarly, when viewed from accounts Y, Z,..., The balances of brands α, β, γ, δ, ε,... Belonging to wallets 1, 2, 3,. Is managed.

  For this reason, while maintaining the conventional balance management mode of the account and the brand (the account> brand) whose balance is managed by the account, the balance management is performed by the wallet unit using a plurality of accounts while maintaining the conventional balance management mode. Therefore, it is possible to manage the balance in accordance with the purpose of the funding intended by the customer. Therefore, the customer does not need to perform complicated balance management across a plurality of accounts by himself / herself, so that an investment plan for each purpose becomes easier and an asset formation by investment becomes easier than before.

  In addition, the fact that the balance can be managed across a plurality of accounts by setting the wallet means that the balance can be managed beyond the limit existing in each account (each service). For example, a NISA account has a fixed annual tax-exempt limit, so that the amount of money that can be saved inevitably is limited. However, if the balance of the NISA account and the balance of accounts other than the NISA account are combined for one certain funding purpose and set as one wallet balance, balance management exceeding the limit of the NISA account can be performed. It becomes possible, and the above-mentioned object is achieved by these.

  <Construction that allows input of the funding purpose and target amount of each wallet, calculation of the evaluation amount per wallet and display on the screen>

In the reserve fund management system described above,
Wallet registration means,
As a setting registration information for the wallet, a process is also performed for receiving an input of a funding purpose and a funding target amount for each wallet,
Financial instrument information storage means for storing information including a unit price or a base price of each issue of the financial instrument in association with issue identification information,
Using the balance quantity of each issue held in each account stored in the wallet balance storage means and the unit price or base price of each issue stored in the financial instrument information storage means, each of the issues associated with the same wallet management number is used. Calculate and add each valuation amount for the balance amount of each stock held in the account to execute the valuation amount calculation process for calculating the valuation amount for each wallet, or calculate in addition to this valuation amount calculation process Valuation amount calculation means for executing an achievement rate calculation process for calculating an achievement rate for each wallet by dividing the valuation amount for each wallet by the target amount for each wallet received by the wallet registration means;
The funding purpose and target amount for each wallet received by the wallet registration means, the valuation amount for each wallet calculated by the valuation amount calculation means, or the funding purpose, target amount, and valuation amount, and also calculated by the valuation amount calculation means Wallet storage means for storing an achievement rate for each wallet in association with a wallet management number or in association with a wallet management number and customer identification information;
The saving purpose, the target amount, the evaluation amount, or display data for displaying the achievement rate on the screen in addition to the funding purpose, the target amount, and the evaluation amount for each wallet stored in the wallet storage unit are transmitted to the terminal device via the communication line. It is desirable to provide a configuration including wallet information display means for executing processing.

  Here, in the case of “associated with a wallet management number or stored in association with a wallet management number and customer identification information” in “wallet storage means”, the former “associated with a wallet management number” indicates a wallet. This is the case where the management number is able to identify all wallets of all customers. On the other hand, in the case of the latter “in association with the wallet management number and the customer identification information”, the wallet management number is set so that a plurality of wallets set for the customer can be identified within one customer. In this case, the main account number can be adopted as the “customer identification information”.

  The “funding purpose” means that the system can be freely input or selected by the customer as a system, and the customer always needs a specific funding purpose (for example, car purchase fund, It does not mean that you have to enter your child's education fund. Therefore, the default setting (for example, “Wallet 1” indicating the first wallet, etc.) may be left as it is, or a blank state may be left without inputting anything. However, since the valuation amount for the wallet can be calculated, if the customer inputs the "target amount", the target amount and the valuation amount can be compared and the degree of achievement can be shown to the customer, In addition, calculation and display of the achievement rate can be performed. In short, if the customer is conscious of the wallet, which is a division of the funded assets for some purpose within himself, it is possible to realize the balance management on a wallet basis including evaluation, It is irrelevant whether or not a specific name is given.

  In this way, if the configuration is such that the funding purpose and the target amount of each wallet can be input, and the evaluation amount of each wallet can be calculated and displayed on the screen, the customer sets the funding purpose and the target amount of the funding for each wallet. If the setting has been made, the degree of achievement for the setting can be easily confirmed by referring to the evaluation amount in wallet units displayed on the screen or by referring to the achievement rate in addition thereto.

  For this reason, it is possible to save the trouble of summing up the valuation amounts of the accumulated assets, which have conventionally been distributed to a plurality of accounts, and further reduce the trouble of the customer's own balance management. Therefore, it is easier to make an investment plan for each purpose and to form an asset by investing.

  <Configuration for executing contract processing in cooperation with trading system and updating wallet balance: see FIGS. 5 and 6>

In the reserve fund management system described above,
Using the funding conditions for which the purchase date has arrived among the funding conditions stored in the funding condition storage means, a process of creating funding schedule information including a purchase amount and brand identification information on the purchased brand is executed. Schedule information creation means,
The funding schedule information created by the funding schedule information creating means, the account identification information of the account for managing the balance of the purchased brand, the status indicating the purchase status, and the wallet to which the balance of the purchased brand in the account belongs. Funding schedule information storage means for storing in association with the wallet management number of
The funding conditions stored in the funding condition storage means or the funding conditions at which the purchase date has arrived among the funding conditions, and the account identification information of the account for managing the balance of the purchased brand are transferred to the wallet via the communication line. A funding condition linking means for executing a process of transmitting to a trading system for a financial instrument that does not perform unit processing,
Receives the contract data transmitted from the trading system via a communication line, and receives the received contract data and the funding schedule information whose status is not contracted among the funding schedule information stored in the funding schedule information storage means. , And extract contract data whose account identification information, brand identification information, and amount match the compared funding plan information, and add a wallet management number corresponding to the coincident funding plan information to the extracted contract data. And a contract data extracting means for executing a process for changing the status corresponding to the matching funding schedule information to a contracted state,
Wallet balance update means,
It is desirable that the wallet balance update process is executed using the contract data to which the wallet management number is added by the contract data extracting means.

  In the case where the contract processing and the wallet balance update processing are performed in cooperation with the trading system in this manner, a financial product trading system that does not perform processing in units of a wallet, that is, a purchase processing and a contract processing of a financial instrument. In addition, it is possible to perform balance management on a wallet basis while performing data linkage with a trading system that performs conventional account-based processing including balance management processing. For this reason, it is possible to realize the management of the balance of the funded assets according to the funding purpose while utilizing the main functions of the existing system.

  At this time, in the trading system, since processing is not performed on a wallet basis in the purchase / executing process, the saving condition is transmitted to the trading system by the saving condition linking means, and information is returned from the trading system as trade data. In the coming process, various information handled in the processing are not linked to the wallet (the wallet management number is not used during that time). Therefore, the contracted data extracting means performs a process of adding a wallet management number in order to reconstruct and restore the lost link. This is because the wallet management number is used in the balance management in the wallet balance storage means, so that the wallet management number is required to perform the wallet balance update processing for reflecting the contract data in the wallet balance storage means.

  <Configuration with funding schedule information deletion means>

Further, in the case where the contract processing and the wallet balance update processing are performed in cooperation with the above-described trading system,
It is desirable to have a configuration that includes a funding schedule information deleting unit that executes a process of deleting from the funding schedule information storage unit the funding schedule information whose status is not settled for a predetermined period.

  In the case where the configuration is provided with the funding schedule information deleting means, the funding schedule information that does not match the contract data transmitted from the trading system for a certain period of time can be deleted from the funding schedule information storage means. It becomes possible. Thus, for example, in the trading system, in the case where the purchase order was not actually executed due to lack of spare capacity or the like, or in the case where the purchase order was not executed, the record including the funding schedule information related to the purchase is However, since such a situation can be avoided, it is possible to link the latest funding plan information with the contract data as much as possible.

  <Configuration with Balance Transfer Means: See FIGS. 8 and 9>

Furthermore, in the above-mentioned reserve balance management system,
From the terminal device, via a communication line, accept input by the customer or its input agent for moving all or a part of the balance of the customer's stock belonging to the wallet to another wallet, In this case, the wallet management number stored in the wallet balance storage means in association with the issue identification information and the account identification information of the issue whose balance is to be moved is changed to the wallet management number of the destination wallet. In the case of a transfer of the balance, the amount to be transferred is subtracted from the balance amount stored in the wallet balance storage means in association with the issue identification information and the account identification information of the issue to be moved, and The same issue identification information and the same account identification information, The quantity of the target component, it is preferable to having a balance moving means for performing a process of storing in the Wallet Balance storage means in association with the wallet management number for the destination wallet configuration.

  In the case where the balance moving means is provided as described above, it is possible to adjust the arrival time of each wallet to the target amount and the degree of achievement by moving the balance between the wallets. For example, for a wallet that wants to arrive at the target amount earlier, by moving the balance from another wallet, it is possible to arrive at the target amount earlier than before moving.

  <Structure with balance transfer means that can transfer balances including non-funded wallets>

Also, in the case where the contract processing and the wallet balance update processing are performed in cooperation with the trading system described above,
Wallet balance storage means,
In order to manage the balance of financial products to be funded and not to be attributed to any wallet, records are also stored for non-funded wallets set for each customer,
Wallet balance update means,
In the processing by the contract data extracting means, among the contract data received from the trading system via the communication line, the funding schedule information in which the account identification information, the brand identification information, and the amount match did not exist in the funding schedule information storage means. The contract data is stored in the wallet balance storage means in association with the wallet management number of the non-funded wallet,
Transfer all or part of the balance of the customer's holding belonging to the non-funded wallet from the terminal device to the wallet via the communication line, or transfer the total of the customer's holding balance belonging to the wallet to the wallet Alternatively, accept input by the customer or its input agent to transfer a part to another wallet or a non-funded wallet, and in the case of all transfers, issue identification information and account identification of the issue to be transferred The wallet management number associated with the information and stored in the wallet balance storage means is changed to a wallet management number for a destination wallet or a non-funded wallet. Stored in the wallet balance storage means in association with the issue identification information and the account identification information for the issue. The amount of the transfer target is subtracted from the amount of the balance to be transferred, and the same issue identification information and the same account identification information as the issue identification information and the account identification information of the issue whose balance is to be moved are transferred to the transfer destination. It is desirable to have a balance transfer means for executing a process of storing the wallet in the wallet balance storage means in association with the wallet management number of the wallet or the non-funded wallet.

  In the case where the structure is provided with the balance transfer means capable of transferring the balance including the non-reserved wallet as described above, not only the balance transfer between the wallets but also the balance transfer between the non-reserved wallet and the wallet. Is also possible. For this reason, among the fill data received from the trading system, the fill data for which the account identification information, the brand identification information, and the reserve schedule information having the same amount did not exist in the reserve schedule information storage means is temporarily stored in the non-reward target wallet. Then, the balance transfer means can transfer the balance of the contract data from the non-funded wallet to the wallet.

  <Configuration in which the wallet registration unit also executes the accumulation condition transfer process: see FIG. 10>

Also, in the reserve balance management system described above,
Wallet registration means,
From the terminal device, via the communication line, accept all or a part of the reserve conditions belonging to the wallet, an input by a customer or its input agent for moving to another wallet, and in the case of all the movement, The wallet management number stored in the accumulation condition storage means in association with the accumulation condition to be moved is changed to the wallet management number for the destination wallet. Subtracting the amount of the transfer target from the purchase amount stored in the reserve condition storage means as the purchase date and the same brand identification information as the purchase date and brand identification information included in the transfer target reserve condition , The newly established funding conditions including the amount to be transferred, and the same account identification information as the account identification information corresponding to the funding conditions to be transferred, to the destination wallet It may be executed also reserve condition moving process in association with the wallet management number is stored in the reserve condition storage means with.

  When the wallet registration unit is configured to also execute the funding condition moving process, it is possible to adjust the speed at which each wallet reaches the target amount by moving the funding condition between the wallets. Become. For example, for a wallet that wants to arrive at the target amount earlier, it is possible to reach the target amount at a faster speed than before the movement by moving the accumulation condition from another wallet.

  <Structure for executing processing for apportioning incoming / outgoing data associated with stock split to each wallet by the incoming / outgoing wallet apportioning means: see FIG.

Also, in the reserve balance management system described above,
Regardless of the trading of financial instruments, account identification information and stock identification information can be obtained from a financial instrument trading system that does not perform processing on a wallet basis when entering and exiting due to changes in corporate actions or other rights information. , A quantity, and receipt / delivery data including a detailed number for data identification, received via a communication line, and provided with a receipt / delivery wallet apportioning means for executing a process of apportioning the received receipt / delivery data to each wallet,
This entry and exit wallet apportioning means,
When executing a stock splitting process to split stocks for the customer's holdings stored in the wallet balance storage means,
From the trading system, account identification information, issue identification information for the issue to be split, stock split, as account entry / exit data for a pair in which only the quantity of the account identification information, issue identification information, and quantity differ according to the split ratio Receiving receipt data including the number of subsequent receipts, and account identification information, issue identification data for the issue to be split, issue data including the number of issues before the stock split,
Of the balance amounts of the brands held by the customer stored in the wallet balance storage means, using the proportional distribution ratio consisting of the ratio of each balance quantity of the record in which the pair entry / exit data and the account identification information and the brand identification information match each other. In addition, the incoming data is apportioned to each wallet by apportioning the incoming quantity of incoming data, and the outgoing data is apportioned to each wallet by using the same apportionment ratio to apportion the outgoing quantity of outgoing data. It is configured to execute processing,
Wallet balance update means,
When the stock split processing by the entry / exit wallet apportioning means is executed,
To the balance quantity of the issue to be split used for calculating the apportionment ratio stored in the wallet balance storage means, add the quantity of receipt of each receipt data after apportionment to each wallet, and add each quantity after apportionment to each wallet. It is desirable that the system be configured to also execute processing for reducing the number of outgoings of outgoing data.

  Here, the “detail number” is identification information of the entry / exit data, and is not limited to a number, but may be a character or a symbol, or a combination thereof. The same applies to the following inventions.

  In addition, there is a non-reserved wallet set for each customer to manage the balance of financial products to be funded that is not attributed to any wallet. If there is a balance quantity, the balance quantity of the non-funded wallet is also used for calculating the apportionment ratio.

  In this way, when the processing of apportioning incoming / outgoing data accompanying a stock split to each wallet is executed by the incoming / outgoing wallet apportioning means, when performing a stock split as a corporate action, a wallet unit is used in the trading system. Instead, the content of the processing performed in the conventional method for each account can be reflected in each wallet, so that it is possible to keep the balance of the balance with the trading system.

  <Structure for executing balance transfer processing between accounts by the entry / exit wallet apportioning means: see FIG. 12>

Furthermore, in the above-mentioned reserve balance management system,
Regardless of the trading of financial instruments, account identification information and stock identification information can be obtained from a financial instrument trading system that does not perform processing on a wallet basis when entering and exiting due to changes in corporate actions or other rights information. , A quantity, and receipt / delivery data including a detailed number for data identification, received via a communication line, and provided with a receipt / delivery wallet apportioning means for executing a process of apportioning the received receipt / delivery data to each wallet,
This entry and exit wallet apportioning means,
When executing an inter-account balance transfer process for transferring the balance amount between accounts for the customer's holdings stored in the wallet balance storage means,
Out of the receipt / delivery data received from the trading system, account identification information, issue identification information, and quantity, as the entry / exit data of a pair in which only the account identification information is different, the account identification information after the transfer, issue identification information, Extract the receipt data including the number of receipts, and the account identification information, brand identification information, and issue data including the number of issues before transfer, and add the item number of the extracted issue data to the extracted receipt data.
As a process on the issue data side, the distribution amount is calculated from the ratio between the respective balance quantities of the records in which the issue data, the account identification information, and the issue identification information match, among the balance numbers of the customer's stocks stored in the wallet balance storage means. Using the ratio to apportion the outgoing quantity of outgoing data, the outgoing data is apportioned to each wallet, and each outgoing data obtained by apportionment includes each balance quantity used to calculate the apportioning ratio. Execute the process of adding the wallet management number of the record,
Thereafter, as a process on the receipt data side, the distribution data of the pair after the distribution is specified using the item number of the retrieval data added to the receipt data, and the wallet added to the specified distribution data after the distribution is specified. The control number is used as the wallet management number when apportioning incoming data to each wallet, and the process of setting the number of outgoing goods of each specified outgoing data after apportioning to the number of incoming goods of each incoming data after apportioning is performed. And
Wallet balance update means,
When the balance transfer process between accounts by the entry and exit wallet apportioning means is executed,
The number of issues of each issue data after apportionment to each wallet is stored in the wallet balance storage means in association with the wallet management number added to each issue data, and with account identification information and brand identification information that matches each issue data. Is subtracted from the balance of the customer's holdings, or the record containing this balance is deleted,
Stores the quantity of incoming data of each incoming data after apportioning to each wallet, wallet management number obtained from each outgoing data of the pair, and wallet balance associated with account identification information and brand identification information that matches each incoming data. When the record to be added to or added to the balance amount of the customer's holding brand stored in the means does not exist in the wallet balance storage means, these wallet management number, account identification information and brand identification information, and It is desirable that the system be configured to also execute processing for creating a record including the quantity of receipt of each piece of receipt data after apportionment.

  Here, the “balance transfer process between accounts” is, specifically, for example, a transfer process between accounts of the same customer who transfers a balance from a NISA account (non-taxable) to a main account (taxable) (delivery from a NISA account, The same stock is stored in the main account in the same quantity).

  In addition, there is a non-funded wallet set for each customer in order to manage the balance of financial products to be funded that is not attributed to any wallet. When there is a balance quantity of such a brand, the balance quantity of the non-funded wallet is also used for calculating the proportional distribution ratio.

  When the balance transfer process between accounts is performed by the entry / exit wallet apportioning means as described above, for example, when performing balance transfer between accounts such as a case where the balance is transferred from a NISA account to a main account. In addition, since the processing contents performed in the conventional system in account units instead of in wallet units in the trading system can be reflected in each wallet, it is possible to keep the balance of the balance with the trading system.

  At this time, in the inter-account balance transfer process, the account identification information changes before and after the transfer. Therefore, when the process is executed from the receiving process (the process of reflecting the receiving data in the record of the wallet balance storage means), the account identification information (transfer) of the receiving data is executed. In some cases, a record including account identification information and brand identification information that matches the account identification information of the later account) and brand identification information may not exist in the wallet balance storage means, and the wallet that reflects the receipt data may not be determined. There are cases. Therefore, in such a case, if a non-funded wallet is set, the balance (quantity of storage) will belong to it. Therefore, in order to avoid such a situation, the processing is executed from the leaving processing (processing for reflecting the leaving data in the record of the wallet balance storage means). Since the account identification information of the issue data is the account identification information of the account before the transfer, the record of the issue data is the same as that of the account identification information and the brand identification information in the wallet balance storage means. is there. Then, after that, when performing the receiving process, each of the outgoing data of the pair after the distribution is specified by the item number, and the prorating is performed using the wallet management number added to each of the outgoing data of the specified after the distributing pair. A process of reflecting each subsequent incoming data in the same wallet as before the transfer is executed.

  <Structure for executing the brand change process by the entry / exit wallet apportioning means: see FIG. 13>

And, in the reserve balance management system described above,
Regardless of the trading of financial instruments, account identification information and stock identification information can be obtained from a financial instrument trading system that does not perform processing on a wallet basis when entering and exiting due to changes in corporate actions or other rights information. , A quantity, and receipt / delivery data including a detailed number for data identification, received via a communication line, and provided with a receipt / delivery wallet apportioning means for executing a process of apportioning the received receipt / delivery data to each wallet,
This entry and exit wallet apportioning means,
When executing a brand change process of changing brand identification information for a customer's brand stored in the wallet balance storage means,
Out of the input / output data received from the trading system, account identification information, issue identification information, and quantity, as entry / exit data of a pair in which only the issue identification information is different, account identification information, issue identification information after change, Extract the receipt data including the number of receipts, and the account identification information, the issue identification information before the change, and the exit data including the number of exits, add the item number of the extracted exit data to the extracted receipt data,
As a process on the issue data side, the distribution amount is calculated from the ratio between the respective balance quantities of the records in which the issue data, the account identification information, and the issue identification information match, among the balance numbers of the customer's stocks stored in the wallet balance storage means. Using the ratio to apportion the outgoing quantity of outgoing data, the outgoing data is apportioned to each wallet, and each outgoing data obtained by apportionment includes each balance quantity used to calculate the apportioning ratio. Execute the process of adding the wallet management number of the record,
Thereafter, as a process on the receipt data side, the distribution data of the pair after the distribution is specified using the item number of the retrieval data added to the receipt data, and the wallet added to the specified distribution data after the distribution is specified. The control number is used as the wallet management number when apportioning incoming data to each wallet, and the process of setting the number of outgoing goods of each specified outgoing data after apportioning to the number of incoming goods of each incoming data after apportioning is performed. And
Wallet balance update means,
When the stock change process is executed by the entry / exit wallet apportioning means,
The number of issues of each issue data after apportionment to each wallet is stored in the wallet balance storage means in association with the wallet management number added to each issue data, and with account identification information and brand identification information that matches each issue data. Is subtracted from the balance of the customer's holdings, or the record containing this balance is deleted,
Stores the quantity of incoming data of each incoming data after apportioning to each wallet, wallet management number obtained from each outgoing data of the pair, and wallet balance associated with account identification information and brand identification information that matches each incoming data. When the record to be added to or added to the balance quantity of the customer's holding brand stored in the means does not exist in the wallet balance storage means, these wallet management number, account identification information and brand identification information, and It is desirable that the system be configured to also execute processing for creating a record including the quantity of receipt of each piece of receipt data after apportionment.

  Here, the “stock change processing” specifically refers to, for example, issuing a new stock (the first digit of the stock code is “1”) generated by a solicitation, a paid-for capital increase, etc., and issuing the same quantity of the parent stock (stock code). Is the process of storing "0" in the fifth digit.

  In addition, there are non-funded wallets set for each customer in order to manage the balance of financial instruments targeted for funded investment that cannot be attributed to any wallet. If there is a balance amount, the balance amount of the non-funded wallet is also used for calculating the apportionment ratio.

  In the case where the brand change process is executed by the entry / exit wallet apportioning means as described above, when the brand identification information is changed, the content of the processing performed in the trading system not in the unit of the wallet but in the unit of the conventional method when changing the brand identification information. Can be reflected in each wallet, so that the balance of the balance with the trading system can be maintained.

  At this time, in the brand change process, since the brand identification information changes before and after the change, the brand identification information becomes new. Therefore, when the process is executed from the warehouse process (a process of reflecting the warehouse data in the record of the wallet balance storage means), the account identification information of the warehouse data and Since there is no record in the wallet balance storage means that includes account identification information and brand identification information that matches the brand identification information (new brand identification information after the change), the wallet that reflects the incoming data cannot be determined. Therefore, in this case, if a non-funded wallet is set, the balance (quantity of storage) will belong to it. Therefore, in order to avoid such a situation, the processing is executed from the leaving processing (processing for reflecting the leaving data in the record of the wallet balance storage means). This is because the issue identification data of the issue data is the issue identification information before the change, and therefore, for the issue data, a record in which the account identification information and the issue identification information match exists in the wallet balance storage means. Then, after that, when performing the receiving process, each of the outgoing data of the pair after the distribution is specified by the item number, and the prorating is performed using the wallet management number added to each of the outgoing data of the specified after the distributing pair. A process is performed to reflect the subsequent receipt data in the same wallet as before the brand change.

  <Configuration with unit share transfer means: see FIG. 14>

Also, in the reserve balance management system described above,
When the total quantity of the balances of each wallet for the stocks purchased by the stock accumulation investment among the stocks held by the customer stored in the wallet balance storage means reaches the quantity of the unit stock, the processing is performed on a wallet basis. Received from the trading system for financial products, including account identification information, issue identification information, and entry / exit data via a communication line, and using the received entry / exit data, the issue was purchased with a cumulative investment In order to transfer the quantity equivalent to a multiple of the unit share of the above to the quantity of the relevant domestic stock, the balance transfer processing for unit share transfer that collects the quantity equivalent to the multiple of the unit share in one wallet Equipped with unit trading means to execute,
This unit share transfer means
From the trading system, the account identification information and the product category whose domestic classification is domestic stock as the entry / exit data of the pair that differs only in the product category that constitutes the brand identification information among the account identification information, brand identification information, and quantity. Receiving the issue identification data, the receipt data including the number of receipts, and the account identification information, the issue identification information of the issue for which the product category was determined to be a cumulative stock investment, and the exit data including the number of exits,
Regarding the balance amount of the issue of the stock accumulation investment stored in the wallet balance storage means, according to the sale priority of each wallet determined by a predetermined rule, the balance quantity of the issue of the wallet with the lowest sale priority is: In order to make up for the shortfall in reaching the number of issues in the issue data corresponding to multiples of the unit stock, the lowest-priority sales orders are ordered from the wallet number of the relevant issue in the higher-priority wallet. By moving to the balance amount of the issue in the wallet, the processing to make the balance quantity of the issue in the wallet with the lowest selling priority reach a multiple of the unit share is executed.
Wallet balance update means,
When the balance transfer process for unit share transfer by the unit share transfer means is executed,
Using the outgoing data of the pair's incoming and outgoing data, the number of outgoing data in the outgoing data can be calculated based on the balance amount of the relevant issue of the stock accumulation investment of the lowest selling priority wallet that has reached a multiple of the unit share. As well as
Using the incoming / outgoing data of the paired incoming / outgoing data, the amount of incoming goods in the incoming data is added to the balance quantity of the relevant issue of the domestic stock of the wallet with the lowest sales priority, or the record to be added is When it does not exist in the wallet balance storage means, it is preferable to execute a process of creating a record including the issue identification information of the issue whose product category is a domestic stock and the number of stocks.

  Here, there is a non-reserved wallet set for each customer in order to manage the balance of financial instruments to be funded that is not attributable to any wallet. If there is a balance amount of the stock of the accumulated investment that has reached the number of shares, the unit share transfer process is executed including the balance amount of the non-funded wallet.

  In the case where the unit is provided with the unit share transfer means as described above, when performing the unit share transfer when the balance amount of the stock purchased by the cumulative stock investment reaches the unit share amount, the trading system performs wallet unit transfer. Instead, the content of the processing performed in the conventional method for each account can be reflected in each wallet, so that it is possible to keep the balance of the balance with the trading system.

  At this time, the unit share transfer process is performed according to the sales priority of each wallet determined according to a predetermined rule, so it is possible to implement the unit share transfer process that spans multiple wallets in accordance with the customer's funding purpose Becomes

  <Configuration in which the wallet balance updating means executes the non-funded wallet balance correction process: see FIG. 15>

Furthermore, in the case where the contract processing and the wallet balance update processing are performed in cooperation with the trading system described above,
Wallet balance storage means,
In order to manage the balance of financial products to be funded and not to be attributed to any wallet, records are also stored for non-funded wallets set for each customer,
Wallet balance update means,
In the processing by the contract data extracting means, among the contract data received from the trading system via the communication line, the funding schedule information in which the account identification information, the brand identification information, and the amount match did not exist in the funding schedule information storage means. For the contract data, execute a process of storing the data in the wallet balance storage means in association with the wallet management number of the non-funded wallet,
Further, using the contract data received from the trading system via the communication line, after updating the balance quantity of all wallets and non-funded wallets of the customer stored in the wallet balance storage means,
The sum of the balance quantities of all wallets stored in the wallet balance storage means, based on the balance quantity of each customer's stocks received from the trading system via the communication line in the unit where the account identification information and the brand identification information match. By reducing the quantity, the corrected quantity of the unreserved wallet balance quantity is calculated, and the calculated uncorrected quantity is used to calculate the unreserved wallet unreserved wallet balance quantity stored in the wallet balance storage means. It is preferable that the non-funded wallet balance correction process be performed.

  When the wallet balance updating means is configured to execute the non-funded wallet balance correction processing as described above, for example, among the transactions processed on the trading system side, such as contract correction, the funded balance management system For transactions that are excluded from the import, the wallet balance is not updated, and the balance between the funded balance management system and the trading system cannot be adjusted. Can be eliminated.

  <Invention of program>

  Further, the program of the present invention is for causing a computer to function as the reserve balance management system described above.

  The above program or a part thereof is, for example, a magneto-optical disk (MO), a compact disk (CD), a digital versatile disk (DVD), a flexible disk (FD), a magnetic tape, a read-only memory (ROM) , Electrically erasable and rewritable read only memory (EEPROM), flash memory, random access memory (RAM), hard disk drive (HDD), solid state drive (SSD), flash disk, etc. And can be stored and distributed, and transmitted using a transmission medium such as a wired network such as a LAN, MAN, WAN, Internet, intranet, or extranet, or a wireless communication network, or a combination thereof. You It is possible, also, it can be delivered by placing the carrier. Furthermore, the above program may be a part of another program, or may be recorded on a recording medium together with a separate program.

  As described above, according to the present invention, the funding conditions including the purchase date, the purchase amount, and the purchased brand, together with the account for managing the balance of the purchased brand, the wallet set by the customer for each funding purpose. The balance amount of the purchased brand is managed by the wallet balance storage means in association with the wallet together with the balance management account. There is an effect that the balance can be managed in units of crossed wallets, and the balance can be managed according to the purpose of the funding intended by the customer.

BRIEF DESCRIPTION OF THE DRAWINGS The whole block diagram of the reserve system including the reserve balance management system of one Embodiment of this invention. FIG. 3 is a configuration diagram of a wallet storage unit of the embodiment. FIG. 2 is a configuration diagram of a wallet balance storage unit of the embodiment. FIG. 3 is a configuration diagram of a reserve condition storage unit of the embodiment. The figure which shows the specific example (the 1) of the data processing at the time of the purchase / contract / update of the balance of the said embodiment. The figure which shows the specific example (the 2) of the data processing at the time of the purchase / contract / update of the balance of the said embodiment. The figure which shows the specific example of the data processing at the time of new registration of a wallet and addition of a funding condition of the said embodiment. FIG. 7 is a diagram showing a specific example of data processing when moving a wallet balance according to the embodiment. FIG. 9 is a view showing an example of screen transition when a wallet balance is moved according to the embodiment. The figure which shows the specific example of the data processing at the time of the movement of the reserve condition of the said embodiment. FIG. 4 is a diagram showing a specific example of data processing at the time of stock split of the embodiment. The figure which shows the specific example of the data processing at the time of the balance transfer process between accounts of the said embodiment. The figure which shows the specific example of the data processing at the time of the brand change processing of the said embodiment. The figure which shows the specific example of the data processing at the time of the unit stock transfer processing of the said embodiment. The figure which shows the specific example of the data processing at the time of the wallet balance correction processing of the non-funding object of the said embodiment. The figure of the flowchart which shows the flow of the balance update process by the purchase / contract and the entry / exit of the said embodiment.

  An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows an overall configuration of a funding system 10 including a funding balance management system 20 of the present embodiment. FIG. 2 shows a configuration of the wallet storage unit 41, FIG. 3 shows a configuration of the wallet balance storage unit 42, and FIG. 4 shows a configuration of the accumulation condition storage unit 43. 5 and 6 show specific examples of data processing at the time of purchase / contract / update of balance, and FIG. 7 shows a specific example of data processing at the time of new registration of a wallet and addition of a funding condition. Further, FIGS. 8 and 9 show a specific example of data processing and an example of screen transition when the wallet balance is moved. Further, FIG. 10 shows the case of the transfer of the funding condition, FIG. 11 shows the case of the stock split, FIG. 12 shows the case of the balance transfer process between accounts, FIG. 13 shows the case of the brand change process, and FIG. 15 shows a specific example of data processing at the time of unit stock transfer processing, and FIG. 15 shows a data processing at the time of non-rewardable wallet balance correction processing. FIG. 16 is a flowchart showing the flow of a balance update process based on purchase / contract and entry / exit.

  <Overall configuration of reserve system 10>

  In FIG. 1, a funding system 10 is a system operated and managed by a financial institution such as a securities company that provides various services related to funding investment that repeatedly purchases financial products (for example, securities) to be invested for customers. The system includes a reserve balance management system 20, and a trading system 50 for financial products (for example, securities) connected to the reserve balance management system 20 via the communication line 2.

  The trading system 50 is connected to the financial product information providing system 70 via the communication line 3 and the market system 71 via the communication line 4. Note that the financial product information providing system 70 may be directly connected to the reserve balance management system 20 via the communication line 5. Further, the reserve balance management system 20 and the buying and selling system 50 are connected to one or more devices operated by a customer or its input agent (sales person or operator of a financial institution such as a securities company) via the network 1 which is a communication line. A plurality (usually a large number) of terminal devices 80 are connected.

  Here, in the present embodiment, the network 1 is mainly configured around the Internet, and it does not matter whether the network 1 is wired, wireless, or a mixed type of wired and wireless. The communication line 2 is an in-house network such as a LAN or an intranet, but may be the network 1 or a dedicated line. The communication lines 3 and 5 may be configured by the network 1 or an in-house network, or may be configured by a dedicated line. The communication line 4 is a dedicated line, but may be configured by the network 1.

  The reserve balance management system 20 is a reserve platform that manages reserve conditions and the balance of financial products to be reserved for investment in wallets. The reserve balance management system 20 is constituted by one or a plurality of computers, and includes a wallet registration unit 21, a wallet information display unit 22, a balance transfer unit 23, an evaluation amount calculation unit 24, and a reserve condition coordination unit 25. A reserve schedule information creating unit 26, a reserve schedule information deleting unit 27, a contract data extracting unit 28, a wallet balance update unit 29, an incoming / outgoing wallet apportioning unit 30, and a unit stock transfer unit 31.

  Each of these means 21 to 31 includes a central processing unit (CPU) provided inside a computer main body constituting the reserve balance management system 20, one or a plurality of programs for defining an operation procedure of the CPU, and Is realized by a working memory such as a main memory or a cache memory. The details of these units 21 to 31 will be described later.

  Further, the reserve balance management system 20 includes a wallet storage unit 41, a wallet balance storage unit 42, a reserve condition storage unit 43, a reserve plan information storage unit 44, a financial product information storage unit 45, and a contract data extraction result storage. And a storage / distribution wallet apportionment result storage means 47.

  Each of these storage means 40 to 47 is suitably realized by, for example, a hard disk drive (HDD) or a solid state drive (SSD). However, as long as there is no problem in storage capacity and access speed, for example, Other recording media such as DVD, CD, MO, and magnetic tape may be adopted. The data storage format of each of the storage units 40 to 47 may be a database or a file format such as a flat file. In the case of a database, each of the storage units 40 to 47 may be a separate database, or may be a different table in one or several databases. The details of these storage units 40 to 47 will be described later.

  The trading system 50 is a core system of a financial institution such as a securities company that conducts trading of financial products, and accepts orders for financial products, judges purchasing capacity of customers, creates orders, places orders in markets and the like, and executes contract processing. In the present embodiment, various processes related to the purchase and sale of financial products (mainly purchases for savings in this embodiment), such as management of the balance of assets held by customers, are performed. The processing in the unit is not performed, and the conventional processing is performed in the account unit (account unit for each service). Therefore, in the trading system 50, data processing and data management are performed without being aware of a wallet. Therefore, except for performing data linkage with the reserve balance management system 20, the processing content and data management form of the trading system 50 are different. , Similar to existing systems.

  The financial products handled by the trading system 50 include financial products other than the financial products that can be the target of the funded investment handled by the funded balance management system 20, but data linkage with the funded balance management system 20 is based on the funded investment. Only the data on financial products that can be the target is required. Therefore, it can be considered that the portion of the trading system 50 that handles the financial products to be funded investment constitutes the funded system 10 together with the funded balance management system 20. Here, the financial products that can be the target of the funded investment include, for example, investment trusts, stock accumulation investments (stocks), defined contribution pensions, and commodities. In the present embodiment, for example, investment trusts, stock accumulations The explanation is made on the assumption that it handles investment and domestic stock (since the quantity purchased through cumulative investment will be transferred to domestic stock when it reaches unit trading).

  Similarly, the services handled by the trading system 50 include services other than the service related to the funded investment, but the data cooperation with the funded balance management system 20 is handled by the service related to the funded investment (account corresponding thereto). Only data is needed. Therefore, it can be considered that the portion of the trading system 50 that handles the service (account) related to the funded investment constitutes the funded system 10 together with the funded balance management system 20. Here, as the service (account) related to the funded investment, for example, a main account for comprehensive and basic services (for example, a securities general account opened in a securities company, etc.), NISA or NISA for Tsumitate NISA Accounts, fund wrap accounts for discretionary investment services (fund wrap accounts for investing in investment trusts) and wrap accounts (invest in not only investment trusts but also various assets such as stocks, bonds, gold, etc.) Account for the service) and the establishment of a new financial system, a corresponding account may be newly established. However, in the present embodiment, as an example, the description is based on the assumption that there is a main account and a NISA account. Do.

  The trading system 50 includes one or a plurality of computers, and includes an order receiving / creating unit 51, an order / contract processing unit 52, a contract data linking unit 53, an entry / exit statement creation unit 54, and an entry / exit unit. A data linking unit 55 and a customer balance linking unit 56 are provided.

  Each of these means 51 to 56 includes a central processing unit (CPU) provided inside a computer main body constituting the trading system 50, one or a plurality of programs for defining an operation procedure of the CPU, and It is realized by a working memory such as a memory or a cache memory. The details of these units 51 to 56 will be described later.

  The trading system 50 includes an order data storage unit 61, a contract data storage unit 62, a right information storage unit 63, a unit stock transfer information storage unit 64, an entry / exit data storage unit 65, and a customer balance storage unit 66. And

  Each of these storage units 61 to 66 is suitably implemented by, for example, a hard disk drive (HDD) or a solid state drive (SSD). However, as long as there is no problem in storage capacity and access speed, for example, Other recording media such as DVD, CD, MO, and magnetic tape may be adopted. The data storage format of each of the storage units 61 to 66 may be a database or a file format such as a flat file. The details of these storage units 61 to 66 will be described later.

  In the present embodiment, the financial product information providing system 70 is used as a general term for a system for providing information on financial products such as investment trusts to be purchased for reserves and stocks subject to cumulative stock investment. Specifically, for example, another system (for example, a financial institution such as a securities company) that manages and manages a system of an investment trust management company and a funding system 10 (funding balance management system 20, trading system 50). Other systems in the company that execute data processing required for providing each service), information vendor systems, and the like, each of which is configured by one or a plurality of computers.

  Therefore, for example, the base value of the investment trust is calculated by the system of the investment trust management company as the financial product information providing system 70, and the calculation result is transmitted to the trading system 50 via the communication line 3, and The information is transmitted to the reserve balance management system 20 via the communication line 2 via the trading system 50, or is transmitted directly to the reserve balance management system 20 via the communication line 5. Also, regarding the unit price of stocks (including stocks handled as stock cumulative investment) and bonds, or index values for various financial indicators such as the Nikkei Average, NY Dow, oil prices, etc., refer to financial product information. The information is provided from an information vendor system as the providing system 70 or another system in the company. The base price and unit price data are used in the reserve balance management system 20 to calculate the valuation amount of the accumulated customer's assets and also as reference information for brand selection when the customer sets reserve conditions. Used. In addition, index values such as the Nikkei Average are also used as reference information for brand selection when the customer sets the funding conditions.

  The market system 71 includes one or a plurality of computers, and is, for example, an exchange system for financial instruments such as a stock exchange system, a private trading system (PTS: Proprietary Trading System), an over-the-counter market system, and the like.

  The terminal device 80 is configured by a computer, and includes input means such as a mouse and a keyboard, and display means such as a liquid crystal display. The terminal device 80 may be a mobile device such as a smartphone, a tablet terminal, and a personal digital assistant (PDA).

  <Detailed configuration of the reserve balance management system 20>

  <Configuration of Reserved Balance Management System 20 / Wallet Registration Means 21>

  The wallet registration means 21 responds to a request from a terminal device 80 operated by a customer or its input agent (a sales representative of a financial institution such as a securities company, an operator, or the like), and a wallet setting screen 90 (through a network 1). 9), and also receives the wallet setting registration information input by the customer or its input agent and transmitted from the terminal device 80 via the network 1. This is to execute processing for storing in the wallet balance storage means 42 and the reserve condition storage means 43.

  Since the wallet registration unit 21 receives input of wallet setting registration information via the network 1, the program constituting the wallet registration unit 21 is, for example, a web application program. It has a server function.

  In the setting registration of the wallet by the wallet registration means 21, one customer can set a plurality of wallets. In the example of FIG. 2, Taro Yamato (main account number = A) sets three wallets. However, the customer is free to set only one wallet.

  Specifically, the wallet setting registration information by the wallet registration unit 21 includes a funding purpose and a target amount of funding for each wallet, and the inputted funding purpose and target amount are used as a wallet management number and customer identification information. It is stored in the wallet storage means 41 (see FIG. 2) in association with the functioning main account number. As described in detail, the wallet management number may not only identify a plurality of wallets in one customer but also function as customer identification information. That is, the wallet management number alone may be used to identify which wallet of which customer.

  The input for the purpose of funding may be input of text data, may be selected from options prepared in advance, or may be used in combination. In addition, it is not always necessary to enter a specific funding purpose (for example, “fund to buy a car”, “fund for educating a child”, “fund for living in old age”, etc.), and default setting (for example, “ "Wallet 1", "Wallet 2", etc.) or a blank state without any input. It is not always necessary to input the target amount, but if not, the achievement rate cannot be calculated.

  In addition, the wallet setting registration information includes the funding conditions (purchase date, purchase amount, and issue identification information of the stock to be purchased when purchasing the financial product to be invested). In association with the account identification information of the account for managing the balance of the purchased brand and the wallet management number of the wallet to which the balance of the purchased brand of the account belongs, the saving condition storage means 43 (see FIG. 4). It is memorized. As shown in FIG. 4, a plurality of funding conditions can be set in one wallet. In the example of FIG. 4, two funding conditions are set for each of the wallets with the wallet management number = “000001” and “000002”. However, the customer is free to set only one funding condition for one wallet. As described above, the funding condition is set in association with the account and the wallet. At this time, the funding condition of a plurality of accounts can be set for one wallet. That is, each wallet can be set across a plurality of accounts. In the example of FIG. 4, the funding condition of the main account (stock β of stock accumulation) and the funding condition of the NISA account (investment trust δ) are set in the wallet of the wallet management number = “000002”. However, it is up to the customer to set only one funding condition for one account for one wallet, and it is also up to the customer to set only one funding condition for one account.

  The balance quantity of each brand purchased according to the funding condition stored in the funding condition storage means 43 (see FIG. 4) is stored in the funding condition storage means 43 as a wallet management number associated with the funding condition of the purchased brand. The account information is stored in the wallet balance storage means 42 (see FIG. 3) in association with the same wallet management number and the same account identification information. That is, the account and wallet to which the funding condition belongs are the same as the account and wallet to which the balance quantity of the brand purchased under the funding condition belongs.

  Furthermore, the above-mentioned setting of the funding conditions can be said to be a setting for the future funding. However, the registration information of the wallet includes the financial assets already held by the customer and managed by any of the accounts (any of the accounts) The balance amount of the issue held by the customer to which the customer belongs: However, the amount is limited to the balance amount of the issue of the financial instrument that can be the target of the funded investment.) At this time, the financial assets already held by the customer may be assets accumulated through regular purchases, or assets acquired through one-time purchases, etc. , Can be attributed to any wallet. Specifically, any of the balance information of the stocks already held (stock identification information on the stocks held by the customer, the balance quantity of the stocks held, and account identification information on the account to which the balance belongs) Is set, the balance information of the brands held by the customer (account identification information, brand identification information, balance quantity) is associated with the wallet management number of the assigned wallet, and stored in the wallet balance storage means 42 (FIG. 3). Reference).

  FIG. 7 shows a specific example of data processing when newly registering a wallet and then adding a funding condition, as an example of a funding plan utilizing the funding balance management system 20. As shown in FIG. 7 (A), Jiro Yamato (main account number = D) has three wallets (wallet management numbers = “000001”, “000002”) for the purpose of saving car funds, education funds, and life funds for old age. , "000003"), and set target amounts of 5 million yen, 2 million yen, and 3 million yen, respectively. Since it is a new registration, no purchase has been made yet, so the evaluation amount is 0 yen for all wallets, and the achievement rate is 0%. As shown in FIG. 7 (B), one funding condition is set for each of the three wallets, and the management of the balance of the purchased brand of the three funding conditions is performed using the main account. And

  Thereafter, the purchase was repeated, and as shown in FIG. 7 (C), the valuation amounts of the balances of the three wallets were 3.5 million yen, 800,000 yen, and 900,000 yen, so the achievement rate was 70%. , 40% and 30%. However, it is considered that the funding of the education fund has not progressed so much, and as shown by the thick frame in FIG. 7 (D), the wallet of the education fund (wallet management number = “000002”) has the issue number δ of the investment trust. In addition to adding funding conditions, the company has also set up a plan to attribute the balance of investment trust brand δ to the NISA account, considering the use of NISA, which is tax-exempt.

  The above-described reception processing of the input of the funding purpose and the target amount, the reception processing of the attribution setting of the funding condition, and the reception processing of the attribution setting of the brands already held by the wallet registration means 21 described above are performed for the wallet setting in FIG. This is performed by opening a “wallet registration” tab 92 on the screen 90. In the “wallet registration” tab 92, the addition / deletion / change (change in purchase price or purchase date) / movement of funding conditions by the wallet registration unit 21 is also performed. Of these operations, the movement of the funding condition (see FIG. 10) corresponds to an operation of collectively adding, deleting, and changing the funding condition (changing the purchase price). Therefore, the wallet registration means 21 also has a function of performing the following funding condition transfer processing. However, the installation of the function for performing the accumulation condition moving process may be omitted.

  The wallet registration unit 21 performs, as the above-described funding condition transfer processing, a customer for moving all or a part of the funding conditions belonging to the wallet to another wallet from the terminal device 80 via the network 1 or an input thereof. A process for receiving an input by a proxy is executed.

  At this time, the wallet registration unit 21 moves the wallet management number stored in the accumulation condition storage unit 43 (see FIG. 4) in association with the accumulation condition to be moved, in the case where all of the accumulation conditions are moved. A process for changing to the wallet management number of the previous wallet is executed.

  Further, in the case of partial transfer of the funding condition, the wallet registration means 21 calculates the amount of the transfer object from the purchase price stored in the funding condition storage means 43 (see FIG. 4) as the funding condition to be moved. And the new purchase condition including the purchase date and the same issue identification information as the purchase date and issue identification information included in the transfer objective A process of storing the same account identification information as the account identification information corresponding to the condition in the accumulation condition storage unit 43 in association with the wallet management number of the destination wallet is executed.

  FIG. 10 shows a specific example of data processing when the funding condition is moved by the wallet registration unit 21. In this example, as shown in FIG. 10 (A), Yoshiko Yamato (main account number = F) sets the funding condition of the brand ε of the investment trust of the main account in the wallet of the wallet management number = “000001”. ing. When all the funding conditions for the brand ε of the investment trust in the main account are moved to the wallet with the wallet management number = “000003”, the result is as shown in FIG. 10B. Therefore, in this case, the wallet registration unit 21 changes the wallet management number in the record of the funding condition of the brand ε of the investment trust in the main account from “000001” to “000003”.

  Further, when a part of the funding conditions of the brand ε of the investment trust of the main account (half of the purchase amount of 10,000 yen, 5,000 yen) is moved to the wallet of the wallet management number = “000003”, The result is as shown in FIG. Therefore, in this case, the wallet registration unit 21 changes the purchase amount from 10,000 yen to 5, in the record of the funding condition of the brand ε of the investment trust of the main account belonging to the wallet of the wallet management number = “000001”. In addition to the change to 000 yen, a record of the funding condition of the brand ε of the investment trust of the main account belonging to the wallet with the wallet management number = “000003” is created, and the purchase amount of the record is set to 5,000 yen. Processing is in progress.

  <Configuration of Reserved Balance Management System 20 / Wallet Information Display Means 22>

  The wallet information display means 22 responds to a request from the terminal device 80 by the customer or its input agent, and stores the purpose, target amount, and evaluation of each wallet of the customer stored in the wallet storage means 41 (see FIG. 2). The processing for transmitting display data for displaying the amount and the achievement rate on the screen to the terminal device 80 via the network 1 is executed. Thus, the customer or his / her input agent can easily grasp the degree of achievement of the savings on the screen of the terminal device 80. This screen display can be performed by opening a “wallet list” tab 91 on the wallet setting screen 90 in FIG.

  <Configuration of Reserve Balance Management System 20 / Balance Transfer Means 23: See FIGS. 8 and 9>

  The balance moving means 23 inputs, from the terminal device 80 via the network 1, all or a part of the balance of the customer's stock belonging to the wallet to another wallet by the customer or its input agent. Is executed.

  At this time, in the case where the balance is entirely transferred, the balance transfer means 23 is stored in the wallet balance storage means 42 (see FIG. 3) in association with the issue identification information and the account identification information of the issue to be shifted. The processing of changing the current wallet management number to the wallet management number of the destination wallet is executed.

  In the case where a part of the balance is transferred, the balance transfer means 23 is stored in the wallet balance storage means 42 (see FIG. 3) in association with the brand identification information and the account identification information of the brand to be transferred. The amount of the transfer target is subtracted from the remaining balance amount, and the same issue identification information and the same account identification information as the issue identification information and the account identification information of the issue whose balance is to be moved are transferred to the destination. Then, a process of storing the wallet in the wallet balance storage unit 42 in association with the wallet management number of the wallet is executed. If there is no record in the destination wallet where the account identification information and the brand identification information match, a record including the quantity to be moved is newly established, and if there is a match, the balance of the record is set. Add the quantity for the transfer target to the quantity.

  Further, the balance transfer means 23 can perform the balance transfer processing not only between the wallets, but also for the non-funded wallets. The non-funded wallet is set for each customer in order to manage the balance of the financial products to be funded investment (the balance of the financial products handled by the reserve balance management system 20) that does not belong to any wallet. In the wallet balance storage means 42 (see FIG. 3), a record for a non-funded wallet is stored as a record with a wallet management number = “999999”. A plurality of records may be stored in a non-funded wallet of one customer. In the example of FIG. 3, two records are stored in the non-funded wallet of Taro Yamato (main account number = A). The record stored in the non-funded wallet is not a brand purchased according to the funding conditions, but a one-time purchase order (for example, a purchase order received in online trading by the order receiving / creating means 51 in the trading system 50, etc.). ), If the record was created based on the contract data for the stock purchased, or if only a part of the stock purchased in accordance with the funding conditions was filled, the delivery amount of the trade data and the purchase amount of the funding schedule information ( In the case where the purchase amount does not match with the reserve condition, the record may be a record created based on the contract data of the partial contract.

  Then, the balance transfer means 23 performs, as a balance transfer process including such a non-reserved wallet, from the terminal device 80 via the network 1, all or all of the balances of the brands held by the customer belonging to the non-reserved wallet. A customer to transfer a portion to any wallet, or to transfer all or part of the balance of the customer's holdings belonging to any wallet to another wallet or a non-funded wallet; or A process for receiving an input by the input agent is executed.

  At this time, in the case where the balance is entirely transferred, the balance transfer means 23 is stored in the wallet balance storage means 42 (see FIG. 3) in association with the issue identification information and the account identification information of the issue to be shifted. The wallet management number is changed to the wallet management number of the destination wallet or the non-funded wallet.

  In the case where a part of the balance is transferred, the balance transfer means 23 is stored in the wallet balance storage means 42 (see FIG. 3) in association with the issue identification information and the account identification information of the issue to be shifted. The amount of the transfer target is subtracted from the remaining balance amount, and the same issue identification information and the same account identification information as the issue identification information and the account identification information of the issue whose balance is to be moved are transferred to the destination. Then, a process of storing the wallet in the wallet balance storage unit 42 in association with the wallet management number of the wallet or the non-funded wallet is executed. If there is no record in the destination wallet or non-funded wallet where the account identification information and the brand identification information match, a record containing the quantity for the transfer target is newly established. Then, the number of objects to be moved is added to the balance amount of the record.

  The example of FIG. 8 is linked to the example of the funding plan utilizing the funding balance management system 20 shown in FIG. 7 described above. In the example of FIG. 7, Jiro Yamato (main account number = D) registers a new wallet, and then adds a funding condition. A specific example of data processing when performing is shown.

  As shown in FIG. 8A, Jiro Yamato (main account number = D) has three wallets (wallet management numbers = “000001”, “000002”) for the purpose of saving car funds, education funds, and life funds for old age. , "000003"). Then, as compared with the respective target amounts of 5 million yen, 2 million yen, and 3 million yen, the evaluation amounts were 4.5 million yen, 1 million yen, and 950,000 yen, so the achievement rate was 90%, 50%, and 32. %. Yamato Jiro wanted to save 5 million yen as a car fund, but now it is 4.5 million yen and there is a shortage of 500,000 yen, and he wants to buy a car immediately. Of 5 million yen. Then, as shown in FIG. 8B, in the wallet of the retirement life fund (Wallet management number = “000003”), Yamato Jiro has 475 shares of the stock γ of the cumulative stock investment in the main account. Since the valuation amount was 950,000 yen (475 shares x 2,000 yen), 250 shares (500,000 yen ÷ 2,000 yen) equivalent to 500,000 yen of these were allocated to the wallet (wallet management number) of the vehicle fund. = “000001”).

  As a result of this balance transfer, as shown in FIG. 8D, in the record of the wallet of the retirement life fund (wallet management number = “000003”), the balance amount of the brand γ of the cumulative stock investment of the main account is 475 shares. From this, 250 shares for the transfer target are reduced to 225 shares. Further, in the wallet balance storage means 42, a record of the brand γ of the stock cumulative investment of the main account belonging to the wallet (wallet management number = “000001”) of the destination car fund is created, and the balance amount of the record is , The quantity to be moved is 250 shares. As a result, as shown in FIG. 8C, the valuation amount of the wallet (wallet management number = “000001”) of the vehicle fund, which is the transfer destination, is increased by 500,000 yen from 4.5 million yen to 5 million yen, and achieved. The rate changes from 90% to 100%. On the other hand, the valuation amount of the wallet (wallet management number = “000003”) of the retirement life fund, which is the transfer source, is reduced by 500,000 yen from 950,000 yen to 450,000 yen, and the achievement rate changes from 32% to 15%. .

  FIG. 9 shows an example of screen transition when the balance transfer process is performed by the balance transfer unit 23. However, since the example of FIG. 9 is a screen operation example of Yamato Saburo (main account number = E), it does not correspond to the above-described example of FIG. 8 by Jiro Yamato (main account number = D).

  The balance transfer process by the balance transfer means 23 is performed by opening a “balance transfer” tab 93 on the wallet setting screen 90 in FIG. As shown in FIG. 9, Saburo Yamato sets four wallets and also has a balance of some brands in the non-funded wallet. Therefore, Yamato Saburo can transfer the balance of any issue belonging to the non-funded wallet to any of the wallets, and can transfer the balance of any issue of the four wallets to another It is possible to move to a wallet or to a non-funded wallet. When a wallet is deleted, the balance belonging to the wallet to be deleted is moved to a non-funded wallet. This balance transfer is automatically executed in conjunction with the wallet deletion operation. Alternatively, before performing the wallet deletion operation, the customer may himself perform the balance transfer operation from the deletion target wallet to the non-funded wallet.

  Here, as shown in FIG. 9, Saburo Yamato has 3,000,000 units of the brand α of the investment trust of the main account belonging to the wallet (wallet management number = “000001”) of the housing fund (renovation). One million units (assuming that the base value = 5,000 yen (one unit = 0.5 yen), in terms of the evaluation amount, 500,000 yen out of 1.5 million yen) is transferred to the wallet 4 (wallet management number = "0000004"). To the wallet for which the funding purpose of ") has not been entered.

  In this case, as shown in FIG. 9A, first, as a brand of the transfer source wallet, the investment trust of the main account belonging to the wallet (wallet management number = “000001”) of the housing fund (renovated). Select brand α. Next, as shown in FIG. 9B, the wallet 4 (wallet management number = “000004”) is selected as the destination wallet. Then, as shown in FIG. 9C, in the selection of “all” or “quantity designation” indicating a partial movement, “quantity designation” is selected, and 100 Enter millions. In FIG. 9 (C), instead of inputting 1,000,000 units, the corresponding valuation amount (or the cumulative investment amount corresponding thereto) is input, and 1,000,000 units are automatically calculated (automatically added to the data for specifying the quantity). Conversion). Also, in FIGS. 9A and 9C, the accumulated investment amount (data stored in each record of the wallet balance storage unit 42) corresponding to the balance amount is displayed on the screen. As reference information, an evaluation amount (an individual evaluation amount for each record) using a reference price or a unit price may be displayed on a screen, or both the total investment amount and the evaluation amount may be displayed on a screen. However, the numerical value itself illustrated in FIG. 9 describes a state where the cumulative investment amount and the evaluation amount happen to coincide with each other for convenience of explanation.

  Further, in addition to the above-described balance transfer processing, the balance transfer means 23 performs the cumulative investment amount stored in each record of the wallet balance storage means 42 (however, the total investment amount is not shown in FIG. 3). Is also executed. At this time, in the case where the balance is entirely moved, the accumulated investment amount is also moved entirely. When the balance is partially moved, the accumulated investment amount is also partially moved, and the transfer ratio of the accumulated investment amount in this case is made to match the balance transfer ratio. In the example of FIG. 9, 1,000,000 units out of 3 million units of the brand α are moved with respect to the balance amount. Of 500,000 yen. That is, 1.5 million yen × (1 million units / 3 million units) = 500,000 yen is moved to the same record as the balance destination.

  <Configuration of Reserve Balance Management System 20 / Evaluation Amount Calculation Means 24>

  The valuation amount calculation means 24 calculates the balance quantity of each issue held in each account stored in the wallet balance storage means 42 (see FIG. 3), and the unit price or base price of each issue stored in the financial product information storage means 45. Is used to calculate and add (total) each valuation amount for the balance quantity of each stock held in each account associated with the same wallet control number (that is, belonging to the same wallet), thereby obtaining a wallet. An evaluation price calculation process is performed to calculate an evaluation price for each and store the calculated evaluation price in the wallet storage unit 41 (see FIG. 2) in association with the wallet management number.

  The valuation amount calculating unit 24 receives the valuation amount for each wallet calculated in the above-described valuation amount calculation process by the wallet registration unit 21 and stores the target for each wallet stored in the wallet storage unit 41 (see FIG. 2). By dividing by the money amount, the achievement ratio for each wallet is calculated, and the calculated achievement ratio is stored in the wallet storage unit 41 (see FIG. 2) in association with the wallet management number.

  In the example of FIG. 3, the wallet of Taro Yamato (main account number = A) = “000001” has the balance amount of the investment trust brand α of the main account = 500,000 units and the stock of the main account. The balance amount of the brand γ of the accumulated investment is 50 shares. Since the base value of the investment trust brand α is 5,000 yen, the valuation amount is 500,000 units × 5,000 yen / 10,000 units = 250,000 yen. Since the unit price of γ is 2,000 yen, the valuation amount is 50 shares × 2,000 yen = 100,000 yen, and when these are added up, the wallet management number of Taro Yamato (main account number = A) = Since the evaluation amount of the wallet “000001” is 250,000 yen + 100,000 yen = 350,000 yen, this amount is stored in the wallet storage unit 41 as shown in FIG. When the evaluation amount of 350,000 yen (see FIG. 2) is divided by the target amount of 5,000,000 yen (see FIG. 2), an achievement rate = 7% is obtained. Is stored in the wallet storage means 41 as follows. The same applies to other wallets of Taro Yamato (main account number = A), and the example of FIG. 2 corresponds to the example of FIG.

  Note that the non-funded wallet (wallet management number = “999999”) does not have a funding purpose or a target amount, so that the process of calculating the evaluation amount and the achievement rate is not performed. However, the evaluation amount can be calculated.

  Further, the valuation amount calculating unit 24 also calculates the total investment amount and the valuation gain / loss (amount) of each wallet, and associates the calculated total investment amount and the valuation gain / loss (amount) with the wallet management number and associates them with the wallet storage unit 41 (FIG. 2) is also executed. Further, the valuation gain / loss (ratio) may be calculated and stored in the wallet storage unit 41 (see FIG. 2). Therefore, although not shown in the example of FIG. 3, the wallet balance storage unit 42 also stores the cumulative investment amount corresponding to the balance of each brand of each account belonging to each wallet. Then, the valuation amount calculating means 24 sums the total investment amount corresponding to the balance of each brand of each account associated with the same wallet management number (that is, belonging to the same wallet) for each wallet and generates the wallet. Calculate the total investment amount of the unit.

  Here, the valuation gain / loss (amount) is the amount obtained by subtracting the cumulative investment amount from the valuation amount. In addition, the valuation loss (proportion) is a value obtained by dividing the amount obtained by subtracting the total investment amount from the valuation amount by the total investment amount.

  <Configuration of the reserve balance management system 20 / reserve condition linking means 25>

  The funding condition linking means 25 stores the funding conditions stored in the funding condition storage means 43 (see FIG. 4) or the funding conditions for which the purchase date has arrived among the funding conditions, and the balance of the purchased brand of the funding conditions. The processing for transmitting account identification information on the management account to the trading system 50 via the communication line 2 is executed. The funding conditions transmitted to the trading system 50 are stored in a cooperative funding condition storage means (not shown), and are provided to a purchase order creating process by the order receiving and creating means 51.

  At this time, in a case where all the funding conditions are stored in the cooperative funding condition storage means (not shown) of the trading system 50, the funding condition coordinating means 25 stores the updated portion of the funding conditions in an updated amount. In this case, the order may be transmitted to the trading system 50 every time there is an update or in a batch process at night or the like. In this case, the order receiving / creating unit 51 in the trading system 50 A process for extracting the saved funding conditions is performed. When only the funding condition for which the purchase date has arrived is stored in the cooperative funding condition storage means (not shown) of the trading system 50, the funding condition coordinating means 25 However, in a batch process such as daily nighttime, a process of extracting the funding condition for which the purchase date has arrived and transmitting it to the trading system 50 is performed.

  Further, as already described in detail, the account identification information includes [1] a main account number assigned to each customer and functioning as customer identification information, and an account type provided for each service provided to the customer. Account identification information consisting of a combination with the type of account to be identified (main account or NISA account) may be used. [2] Account identification information consisting of an account number assigned to each service and each customer may be used. If the form of the account identification information is different between the reserve balance management system 20 and the trading system 50, there are two forms. The side performs a conversion process in the form of account identification information. This conversion process may use an identification information generation algorithm (for example, the upper digit of the code is used as the main account number and the lower digit is used as the account type classification), or a conversion table may be used. .

  <Structures of the reserve balance management system 20 / the reserve plan information creating unit 26 and the reserve plan information deleting unit 27>

  The funding schedule information creating means 26 uses the funding condition whose purchase date has arrived among the funding conditions stored in the funding condition storage means 43 (see FIG. 4) to identify the purchase amount and the brand to be purchased. Creates funding schedule information including information, and displays the funding schedule information created, account identification information for the account for managing the balance of the purchased brand, and the status indicating the purchase status, and the balance of the purchased brand in the account. This is to execute a process of storing in the accumulation schedule information storage means 44 (see FIG. 5) in association with the wallet management number of the wallet to be attributed.

  The funding schedule information deleting means 27 deletes the funding schedule information whose status does not become “contracted” (remains “unprocessed”) from the funding plan information storage means 44 (see FIG. 5) for a predetermined period. The processing is executed. The process of deleting the funding schedule information corresponds to, for example, in the trading system 50, there are cases where the purchase order was not actually executed due to lack of spare capacity or the like and cases where the purchase order was not executed. This is performed to delete the record of the funding schedule information.

  <Configuration of Reserve Balance Management System 20 / Execution Data Extraction Means 28>

  The contract data extracting unit 28 receives the contract data transmitted from the trading system 50 via the communication line 2, and stores the received contract data and the reserve schedule information storage unit 44 (see FIG. 5C). Compared to the funding schedule information whose status is not "Contracted" (it is "unprocessed"), the account identification information, brand identification information, and amount are compared. The contract data that matches the information is extracted, a wallet management number corresponding to the coincident reserve schedule information is added to the extracted contract data, and stored in the contract data extraction result storage means 46 (see FIG. 6). In the information storage means 44 (see FIG. 5 (C)), processing for changing the status corresponding to the matching funding schedule information from "unprocessed" to "contracted" is executed. .

  Further, the contract data extracting means 28 includes, among the contract data received from the trading system 50, account identification information and brand name in the reserve schedule information stored in the reserve schedule information storage means 44 (see FIG. 5C). With respect to the execution data for which there is no identification information and the saving schedule information having the same amount, the execution data extraction result storage means 46 by adding a wallet management number (= “999999”) for the non-funding wallet to the execution data. (See FIG. 6).

  Here, the case where there is no matching funding schedule information in the execution data received from the trading system 50 means, for example, not a brand purchased according to the funding conditions but a one-time purchase order (for example, an order reception in the trading system 50). -If the contract data is contract data for a brand purchased by the creation means 51, such as a purchase order received in online trade), or only a part of the brand purchased according to the funding conditions is contracted, and the delivery amount of the contract data is And the purchase price of the funding schedule information (the purchase price of the funding conditions) may not be the same as the contract data of the partial contract.

  <Configuration of Reserve Balance Management System 20 / Wallet Balance Update 29>

  The wallet balance update 29 stores the fixed amount of the issue brand of the account (account corresponding to the funding condition) purchased according to the funding condition stored in the funding condition storage means 43 (see FIG. 4), and stores the funding condition storage means 43. The wallet management number and account identification information (wallet management number and account identification information for the wallet and account corresponding to the funding condition) associated with the funding conditions, and the wallet balance associated with the issue identification information for the purchased issue This executes wallet balance update processing to be added to the balance quantity of the brands held by the customer stored in the storage means 42 (see FIG. 3).

  Specifically, the wallet balance update unit 29 adds the wallet management number by the contract data extraction unit 28 and stores the wallet balance update process in the contract data extraction result storage unit 46 (see FIG. 6). Among the records stored in the wallet balance storage means 42 (see FIG. 3) using the record of the contract data, the record in which the record of the contract data matches the wallet management number, account identification information, and brand identification information. A process of adding the contract data of the contract data to the balance amount of the contract data is executed.

  Further, the wallet balance updating means 29 is, by the processing of the contract data extracting means 28, of the contract data received from the trading system 50 via the communication line 2, the account identification information, the brand identification information, and the funding schedule corresponding to the amount. For the contract data whose information is not present in the funding schedule information storage means 44 (see FIG. 5), the wallet balance storage means 42 (see FIG. 3) is associated with the wallet management number (= “999999”) of the non-funding wallet. ) Is executed. It should be noted that the non-funded wallet has already been described in detail in the description of the balance transfer means 23, and thus a detailed description is omitted here.

  Further, the wallet balance updating means 29, when entering / exiting due to a change in corporate action or other right information, is apportioned by the entering / exiting wallet apportioning means 30 and is assigned to the incoming / outgoing wallet apportioning result storage means 47 (FIG. 11). , FIG. 12 and FIG. 13), the process of updating the balance of each wallet is also executed by using each of the divided entry and exit data stored in FIG.

  More specifically, the wallet balance updating means 29 calculates the apportionment ratio stored in the wallet balance storage means 42 (see FIG. 3), for example, when the stock split processing by the entry / exit wallet apportioning means 30 is executed. The balance quantity of the brand to be divided (balance quantity of records including the wallet management number added to each of the incoming data stored in the incoming / outgoing wallet apportioning result storage means 47 (see FIG. 11) and each outgoing data). On the other hand, the process of adding the number of warehouses of each piece of incoming data after apportionment to each wallet stored in the incoming / outgoing wallet apportioning result storage means 47 and reducing the number of outgoing goods of each piece of outgoing data after apportionment to each wallet is also performed. Execute. Details of the flow of data processing at the time of stock split, including the processing by the wallet balance updating means 29, will be described later with reference to FIG.

  The wallet balance updating means 29, when executing the inter-account balance transfer processing by the entry / exit wallet apportioning means 30, executes apportionment to each wallet stored in the entry / exit wallet apportionment result storage means 47 (see FIG. 12). The number of issues in each issue data is stored in the wallet balance storage means 42 (see FIG. 3) in association with the wallet management number added to each issue data and the account identification information and the brand identification information that match each issue data. Either subtract from the stored balance amount of the stock held by the customer or delete the record including this balance amount, and apportion it to each wallet stored in the entry / exit wallet apportionment result storage means 47 (see FIG. 12). The number of goods received in each subsequent goods receipt data, the wallet management number obtained from each goods outgoing data of the pair, and each goods receipt The record to be added to or added to the balance quantity of the customer's stocks stored in the wallet balance storage unit 42 in association with the account identification information and the brand identification information that matches the data, is the wallet balance storage unit 42. If it does not exist, a process is executed to create a record containing the wallet management number, account identification information and brand identification information, and the number of incoming pieces of each piece of incoming data after apportionment, and to store the record in the wallet balance storage means 42. . The details of the flow of data processing at the time of the account balance transfer processing, including the processing by the wallet balance update means 29, will be described later with reference to FIG.

  Further, the wallet balance updating means 29, when executing the brand change process by the storage / reception wallet apportioning means 30, executes each of the wallets stored in the storage / reception wallet apportioning result storage means 47 (see FIG. 13). The outgoing quantity of the outgoing data is stored in the wallet balance storage means 42 (see FIG. 3) in association with the wallet management number added to each outgoing data, and with the account identification information and the brand identification information which match each outgoing data. Is subtracted from the balance amount of the stocks held by the customer, or the record including this balance amount is deleted, and after the apportionment to each wallet stored in the entry / exit wallet apportionment result storage means 47 (see FIG. 13). The number of receipts for each receipt data is calculated based on the wallet control number obtained from each receipt data of the pair and each receipt data. Is added to the balance quantity of the brands held by the customer stored in the wallet balance storage means 42 in association with the account identification information and the brand identification information that matches with, or a record to be added exists in the wallet balance storage means 42 If not, a process is executed to create a record including the wallet management number, account identification information and brand identification information, and the number of incoming pieces of each piece of incoming data after apportionment, and to store the record in the wallet balance storage means 42. Details of the flow of data processing at the time of brand change processing, including the processing by the wallet balance updating means 29, will be described later with reference to FIG.

  Further, when executing the balance transfer process for unit share transfer by the unit share transfer unit 31, the wallet balance update unit 29 uses the outgoing data of the paired incoming and outgoing data to reduce the number of unit shares to multiples. The number of issues in the issue data is subtracted from the balance amount of the issue in the accumulated stock investment of the wallet with the lowest sale priority, and the sale priority is determined using the receipt data of the pair entry / exit data. If the number of warehouses in the warehouse data is added to the balance amount of the domestic issue of the domestic stock of the lower wallet, or if the record to be added does not exist in the wallet balance storage means 42 (see FIG. 3), the product category is A process for creating a record including the issue identification information of the issue considered to be domestic stock and the quantity of storage is executed. The details of the flow of data processing during the unit stock transfer processing, including the processing by the wallet balance updating means 29, will be described later with reference to FIG.

  Further, the wallet balance updating means 29 uses the contract data received from the trading system 50 via the communication line 2 to store all of the customer's wallets and accumulation objects stored in the wallet balance storage means 42 (see FIG. 3). After updating the balance amount of the outer wallet, the wallet balance storage is performed based on the balance amount of each customer's holding brand received from the trading system 50 via the communication line 2 in a unit in which the account identification information and the brand identification information match. By subtracting the total amount of the balances of all the wallets (excluding the non-funded wallet) stored in the means 42, the corrected amount of the balance of the non-funded wallet is calculated and calculated. Using the corrected quantity, the balance quantity of the non-funded wallet stored in the wallet balance storage means 42 is corrected. To run the reserve excluded Wallet Balance correction processing that. The details of the flow of data processing in the non-funded wallet balance correction process, including the process by the wallet balance update means 29, will be described later with reference to FIG.

  Then, the wallet balance updating unit 29 updates the balance amount of each record stored in the wallet balance storage unit 42 (see FIG. 3), and performs the accumulated investment amount (the total investment amount) corresponding to the balance amount in each record. However, in FIG. 3, the illustration of the total investment amount is omitted.) In the process of updating the total investment amount, the following processes (1) to (4) are performed.

  (1) If the wallet balance (balance amount of each record stored in the wallet balance storage means 42) increases due to the purchase of a financial product (securities, etc.) based on the funding conditions, the "cumulative investment after transaction" Increase / decrease in amount (plus amount indicating increase) = purchase amount (delivery amount) ", and" total investment amount after transaction = total investment amount before transaction + purchase amount (delivery amount) ". In the case of reinvestment rather than purchase based on funding conditions, the amount of investment newly contributed by the customer is zero, and thus the accumulated investment amount does not change before and after the transaction.

(2) If the wallet balance (balance amount of each record stored in the wallet balance storage means 42) is decreased due to the sale of financial products (securities and the like) in the wallet balance, "the total investment amount after the transaction is completed" Increase / decrease (positive amount indicating the absolute value of the decrease) = cumulative investment amount before transaction × sales amount ÷ wallet balance amount before update 」“ total investment amount after transaction = total investment amount before transaction−transaction Later, the cumulative investment amount will increase or decrease. " For example, when the pre-update wallet balance quantity = 500 shares and the corresponding total investment amount = 500,000 yen, if the sold quantity = 100 shares, the wallet balance quantity is reduced by 100 from 500 to 400 shares. Become. In this case, the increase / decrease (decrease) in the total investment amount after the transaction = 500,000 yen × 100 shares ÷ 500 shares = 100,000 yen, so the total investment amount after the transaction = 500,000 yen−100,000. Yen = 400,000 yen.

  (3) If the wallet balance (balance amount of each record stored in the wallet balance storage means 42) increases due to the storage, the purchase is not performed even if the balance amount increases due to the storage. In principle, it can be considered that there is no additional investment amount. However, individual processing is exceptionally executed according to the type of transaction of entry and exit.

  (4) If the wallet balance (balance amount of each record stored in the wallet balance storage means 42) decreases due to the issue of the goods, in principle, the change in the total investment amount after the transaction (absolute amount of decrease) (A positive amount indicating the value) = cumulative investment amount before update x issue volume / wallet balance amount before update "total investment amount after transaction = total investment amount before transaction-increase / decrease in total investment amount after transaction" Becomes That is, the same concept as in the case of the sale in the above (2) can be adopted, and the “sale quantity” in the above (2) is simply replaced with the “shipment quantity”. However, individual processing is exceptionally executed according to the type of transaction of entry and exit.

  The exceptional individual processing for updating the cumulative investment amount at the time of entry / exit of (3) and (4) described above is as follows. For example, in the case of a stock split of the corporate action (see FIG. 11), the cumulative investment amount is not changed in the process (3) when entering the warehouse or in the process (4) when exiting from the warehouse.

  In the case of an inter-account balance transfer process for transferring the balance amount between accounts (see FIG. 12) and a brand change process for changing the brand identification information (see FIG. 13), the process at the time of leaving (4) is performed in The processing is performed in accordance with the principle (however, the accumulated investment amount before the transaction is stored in a memory). On the other hand, in the processing at the time of warehousing in (3), the processing is carried out in (4). A process is carried out in which the cumulative investment amount (cumulative investment amount before the transaction stored in the memory) corresponding to the balance amount in the record including the account identification information before transfer and the brand identification information before change is taken over as it is. Here, the meaning of storing the total investment amount before the transaction in the memory means that, in the process (4) at the time of delivery, the table of the database constituting the wallet balance storage means 42 (or the case of using a file system) May be a file such as a flat file.), When deleting or changing the data to be issued, the remaining memory (for example, the area of the main memory) is in the original state before the deletion or change. This means that data (data including the total investment amount before the transaction) is held (evacuated), and the process at the time of warehousing in (3) is performed using the data. The process of saving the data including the total investment amount before the transaction may be a process of storing the data in the entry / exit wallet apportioning result storage unit 47 shown in FIG. 12 (B) or FIG. 13 (B). The storing process may be executed at the stage of the distribution process of the incoming and outgoing data by the incoming and outgoing wallet apportioning unit 30 instead of the process by the wallet balance updating unit 29.

  Further, in the case of the unit share transfer process (see FIG. 14), first, the unit share transfer means 31 determines the balance amount of the issue (the issue relating to the unit share transfer) of the wallet with the lowest selling priority by the unit share. In order to reach the multiple, the process of moving the balance amount of the issue of the wallet with the highest sale priority to the balance amount of the issue of the wallet with the lowest sale priority is performed. However, as in the case of the balance transfer by the balance transfer means 23, the corresponding cumulative investment amount is also transferred. Then, the wallet balance updating means 29, in the process at the time of warehousing of (3), adds the balance amount (the amount reached to a multiple of the unit stock) of the brand collected in the wallet with the lowest selling priority. Corresponding cumulative investment amount (addition of the cumulative investment amount originally moved from the wallet with the highest selling priority to the cumulative investment amount that was originally in the record of the wallet with the lowest priority) Is added to the total investment amount corresponding to the balance amount of the domestic stock in the issue, or if there is no record to be added, a record including such a total investment amount is created. On the other hand, in the processing at the time of leaving the warehouse in (4), processing is performed in principle.

  <Configuration of Reservation Balance Management System 20 / In / Out Wallet Apportioning Means 30>

The entry / exit wallet apportioning means 30 outputs account identification information, brand identification information, and trade information from the trading system 50 when a transaction occurs, irrespective of the purchase or sale of financial products, due to changes in corporate actions or other rights information. Entry / exit data including the quantity and the item number for data identification is received via the communication line 2, and the received entry / exit data is apportioned to each wallet,
A process for storing the apportioned incoming / outgoing data in the incoming / outgoing wallet apportioning result storage means 47 is executed.

  Here, the corporate action includes, for example, a stock split, a stock consolidation, a gratis allotment, a stock transfer, a stock exchange, a company merger, and the like. Here, the stock split will be described as a representative thereof.

  When executing the stock split process for the customer's stocks stored in the wallet balance storage means 42 (see FIG. 3), the entry and exit wallet apportioning means 30 sends the account identification information and the issue identification from the trading system 50. Of the information and quantity, the paired stock entry / exit data, only the quantity of which differs according to the split ratio, includes account identification information, stock identification information for the stock to be split, and the number of stocks that will be the quantity after the stock split. Receiving the receipt data, the account identification information, the issue identification information on the issue to be split, and the issue data including the number of issues before the stock split. Then, among the balance quantities of the brands held by the customer stored in the wallet balance storage means 42 (see FIG. 3), the balance quantities of the records in which the pair entry / exit data, the account identification information, and the brand identification information match each other are compared. By using the apportionment ratio consisting of the ratio and apportioning the number of incoming goods of incoming data, the incoming data is apportioned to each wallet, and using the same apportionment ratio, the number of outgoing goods of outgoing data is apportioned. Dispatch data is apportioned to each wallet, and the apportioned receipt / export wallet apportioning result storage means by adding the wallet management number of each record including the balance quantity used for calculating the apportionment ratio to each apportioned receipt data and apportioned outgoing data. 47 (see FIG. 11). The details of the flow of data processing at the time of stock split, including the processing by the entry / exit wallet apportioning means 30, will be described later with reference to FIG. 11, and thus detailed description is omitted here.

  In addition, the entry / exit wallet apportioning means 30 performs an inter-account balance transfer process for transferring the balance amount between accounts (see FIG. 12) and a brand change process for changing the brand identification information (see FIG. 13). Instead of a simple apportioning process, the following special apportioning process is performed. The reason is as follows. In the former case of the inter-account balance transfer process (see FIG. 12), in the trading system 50, the entry / exit statement creation means 54 uses the pair in which only the account identification information is different among the account identification information, brand identification information, and quantity. In the case of the latter issue change process (see FIG. 13), the entry / exit data of a pair in which only the issue identification information is different among the account identification information, issue identification information, and quantity is generated. In any case, there is no change in the balance quantity before and after the entry / exit because it is created. However, in the reserve balance management system 20, the balance management is performed in the wallet balance storage unit 42 (see FIG. 3) in the unit of wallet management number> account identification information> brand identification information. If either the information or the brand identification information changes, the target management information in the unit of a wallet (information of each record of the wallet storage unit 41 shown in FIG. 2; the evaluation amount, the achievement rate, the total investment amount for the target amount) , Valuation gains and losses) cannot be maintained.

  More specifically, the issue process (the process of reflecting the issue data on the balance) is performed on the current data, so that the record that matches the account identification information and the brand identification information of the issue data is the wallet balance. While being stored in the storage means 42 (refer to FIG. 3), the warehousing process (the process of reflecting the warehousing data on the balance) is executed using the account identification information after transfer and the brand identification information after change as keys. Therefore, there is no matching record, and the incoming data belongs to the non-funded wallet. In other words, when the simple distribution process is performed by the entry / exit wallet apportioning means 30 and the balance is updated by the wallet balance updating means 29 using the apportioned outgoing data and the incoming data, the outgoing is replaced with the original wallet (incoming). The receipt of the pair is performed not on the original wallet (the same wallet as the exit), but on the non-funded wallet. If this is the case, only the delivery is performed. For this reason, if a simple apportioning process is performed at the time of entry / exit, the original state (state before entry / exit processing) cannot be maintained for the target management information in wallet units, and the target balance for entry / exit Is reset to zero. On the other hand, after performing a simple apportionment process, the balance is moved from the non-funded wallet to the original wallet, and thereafter, the target management information (evaluation amount, achievement rate, cumulative investment amount) is calculated by the evaluation amount calculating means 24. If the information of the wallet storage means 41 (see FIG. 2) is recalculated and the information of the wallet storage means 41 (see FIG. 2) is updated, the original state may be obtained. For example, if the original state including the total investment amount is to be restored, the total investment amount is managed even in the non-funded wallet, and the total investment amount ( (Not apportioned state), and the apportioned amount of the accumulated investment amount can be acquired together with the transfer of the balance from the non-funded wallet. This is not the case.) Or, if such a structure cannot be adopted, the total investment amount (the amount after apportionment to each wallet) is manually input during the balance transfer operation. May be in the street state. However, even without such a manual operation for transferring the balance from the non-reserved wallet (and a balance transfer process involving apportionment to each wallet), the wallet storage means 41 (see FIG. 2) must be able to be maintained. That is, as a prerequisite, the total investment amount and the like of each record of the wallet balance storage means 42 (see FIG. 3) before and after storage and retrieval (however, the total investment amount is not shown in FIG. 3). We need to be able to maintain it. Therefore, when the following balance transfer processing between accounts (see FIG. 12) or brand change processing (see FIG. 13) is performed, a special apportionment process is performed, and the apportioned receipt data is transferred to the non-funded wallet. , And the original state (the state before the entry / exit processing) is maintained for the target management information in wallet units.

  In other words, the entry / exit wallet apportioning means 30 executes the inter-account balance transfer processing for transferring the balance quantity between accounts for the customer's stocks stored in the wallet balance storage means 42 (see FIG. 3). Out of the input / output data received from the trading system 50, the account identification information, the brand identification information, and the quantity, as the input / output data of a pair in which only the account identification information is different, the account identification information on the account after the transfer, Extract the issue identification data, the receipt data including the quantity of receipt, and the account identification information about the account before transfer, the issue identification information including the issue identification information, and the exit quantity including the issue quantity, and extract the exit data for the extracted receipt data. Is added. Then, as a process on the issue data side, among the balance quantities of the issues held by the customer stored in the wallet balance storage means 42 (see FIG. 3), each of the records in which the issue data, the account identification information, and the issue identification information match each other. Using the apportionment ratio consisting of the ratio of the balance quantities to each other, the issue data is apportioned to each wallet by apportioning the issue quantity of the issue data, and the apportionment ratio is calculated for each issue data obtained by apportionment. A process of adding the wallet management number of each record including each used balance quantity and storing the same in the entry / exit wallet apportionment result storage means 47 (see FIG. 12) is executed. Using the item number of the added outgoing data, identify each outgoing data of the pair after apportionment, and add the wallet added to each specified apportioned outgoing data. The control number is the wallet control number when apportioning incoming data to each wallet, and the number of outgoing goods for each specified outgoing data after apportionment is specified as the number of incoming goods in each incoming data after apportioning. A process to be stored in the storage means 47 (see FIG. 12) is executed. The details of the flow of the data processing at the time of the inter-account balance transfer processing, including the processing by the entry and exit wallet apportioning means 30, will be described later with reference to FIG.

  Furthermore, the entry / exit wallet apportioning means 30 performs a brand change process for changing brand identification information for a customer's stock stored in the wallet balance storage means 42 (see FIG. 3). From the incoming / outgoing data received from, the account identification information, the issue identification information after the change, The receipt data including the quantity, the account identification information, the brand identification information before the change, and the exit data including the issue quantity are extracted, and the detailed number of the extracted exit data is added to the extracted receipt data. Then, as a process on the issue data side, among the balance quantities of the issues held by the customer stored in the wallet balance storage means 42 (see FIG. 3), each of the records in which the issue data, the account identification information, and the issue identification information match each other. Using the apportionment ratio consisting of the ratio of the balance quantities to each other, the issue data is apportioned to each wallet by apportioning the issue quantity of the issue data, and the apportionment ratio is calculated for each issue data obtained by apportionment. A process of adding the wallet management number of each record including each used balance quantity and storing the same in the entry / exit wallet apportionment result storage means 47 (see FIG. 13) is executed. Using the item number of the added outgoing data, identify each outgoing data of the pair after apportionment, and add the wallet added to each specified apportioned outgoing data. The control number is the wallet control number when apportioning incoming data to each wallet, and the number of outgoing goods for each specified outgoing data after apportionment is specified as the number of incoming goods in each incoming data after apportioning. A process to be stored in the storage means 47 (see FIG. 13) is executed. Details of the flow of data processing at the time of brand change processing, including the processing by the entry / exit wallet apportioning means 30, will be described later with reference to FIG. 13, and a detailed description thereof will be omitted here.

  <Configuration of Reserve Balance Management System 20 / Unit Share Transfer Means 31>

  The unit stock transfer means 31 determines that the total amount of the balance amount of each wallet for the stock purchased by the stock accumulation investment among the stocks held by the customer stored in the wallet balance storage means 42 (see FIG. 3) is the unit stock. When the quantity has been reached, the trading system 50 receives, via the communication line 2, entry / exit data including account identification information, brand identification information, and quantity, and uses the received entry / exit data to obtain the cumulative stock investment. In order to transfer the quantity equivalent to a multiple of the unit stock of the relevant stock purchased in the above to the quantity of the relevant stock of domestic stock, collect the quantity equivalent to the multiple of the unit stock in a single wallet Is executed.

  In the cumulative stock investment, the customer can purchase the number of shares equal to or less than one unit, and usually manages the number of balances below the decimal point as assets held by the customer. The stock purchased in the cumulative stock investment is not the name of the customer, but the name of a financial institution such as a securities company. However, as described above, in many financial institutions, the balance amount is reduced to the number of unit shares (the number of shares). When it reaches, it will be transferred to domestic stock and put in the customer's name.

  More specifically, the unit stock transfer means 31 obtains, from the trading system 50, account input / output data of a pair in which only the product category constituting the brand identification information among account identification information, brand identification information, and quantity is different. Account identification information, issue identification information for the issue whose product category is domestic stock, receipt data including the number of receipts, and account identification information, issue identification information for the issue whose product category is cumulative investment, and issue Receive outgoing data including the quantity of. Then, the wallet with the lowest sales priority is determined according to the sales priority of each wallet determined by a predetermined rule with respect to the balance amount of the stock of the accumulated stock investment stored in the wallet balance storage means 42 (see FIG. 3). In order to make up for the shortage of the issue's outstanding balance in the issue data in the issue data corresponding to a multiple of the trading unit, the balance of the issue in By sequentially moving to the balance quantity of the issue in the wallet with the lowest sale priority, the processing of making the balance quantity of the issue in the wallet with the lowest sale priority reach a multiple of the unit share is executed. Details of the flow of data processing in the unit stock transfer process, including the process by the unit stock transfer means 31, will be described later with reference to FIG. 14, and thus detailed description is omitted here.

  Here, the rules for determining the sales priority of each wallet include, for example, (1) non-funded wallet, (2) wallet achievement rate (target attainment rate) of 100% in descending order of sales priority. In the above, there are rules in which the target achievement rate is high, (3) the evaluation value is high, and (4) the screen display wallet management number is low.

  <Configuration of Reserved Balance Management System 20 / Each Storage Means 41 to 47>

  As shown in FIG. 2, the wallet storage means 41 stores a wallet management number, a main account number (customer identification information), a funding purpose, a target amount, an evaluation amount, an achievement rate, a cumulative investment amount, The profit and loss (amount) are stored in association with each other. In addition, although not shown, the valuation gain / loss (ratio) may be stored. Of these, the funding purpose and the target amount are entered by the customer or its input agent and registered by the wallet registration means 21. It is calculated and recorded by the means 24.

  As shown in FIG. 3, the wallet balance storage means 42 stores the wallet management number, the balance reference date, the main account number (customer identification information) and account type classification constituting the account identification information, and the brand identification information. The merchandise category and brand (brand code or brand name) and the balance quantity are stored in association with each other. Although not shown, the total investment amount and the like are also stored.

  As shown in FIG. 4, the funding condition storage means 43 stores the wallet management number, the main account number (customer identification information) and account type classification constituting the account identification information, and the product classification and brand (the product classification) constituting the brand identification information. (A brand code or a brand name), a purchase price, and a purchase date are stored in association with each other.

  As shown in FIG. 5 (C), the funding schedule information storage means 44 stores a wallet management number, a main account number (customer identification information) constituting account identification information for an account for managing the balance of the purchased brand, and an account. The type classification, the product classification and the brand (brand code or brand name) constituting the brand identification information of the purchased brand, the purchase price, and the status indicating the purchase status are stored in association with each other.

  The financial product information storage means 45 stores information including a unit price or a base price of each brand of a financial product that can be a target of the funded investment in association with brand identification information. The financial product information storage unit 45 also stores index values for various financial indices such as the Nikkei Average, NY Dow, and oil prices. The information including the unit price or the base value of each brand of the financial product stored in the financial product information storage means 45 or the index value of various financial indices is communicated from the financial product information providing system 70 or the market system 71. It is obtained via the lines 2 to 5, is updated periodically, and is always the latest information. The financial product information storage means 45 stores not only the latest information but also past histories.

  As shown in FIGS. 6 (F) and 6 (G), the contract data extraction result storage means 46 stores the main account number (customer identification information) and the account type classification constituting the account identification information, and the contracted purchase brand. , The product category and brand (brand code or brand name) constituting the brand identification information, the trade date, the delivery date, the contract quantity, the delivery amount, the wallet management number added by the trade data extraction means 28, and the like. Are stored in association with each other.

  As shown in FIG. 11, FIG. 12, and FIG. 13, the entry / exit wallet apportionment result storage means 47 stores a detailed number for data identification, a main account number (customer identification information) and account type classification constituting account identification information. , The product category and brand (brand code or brand name) that make up the brand identification information, the quantity (quantity of incoming or outgoing goods), the type of incoming and outgoing goods, In this case, a wallet management number indicating which wallet or a non-funded wallet has been apportioned is stored in association with the wallet. In addition, in the case of the apportionment result in the inter-account balance transfer process (see FIG. 12) and the brand change process (see FIG. 13), the detailed number of the paired incoming / outgoing data (in the case of incoming data, the paired outgoing It is the detail number of data, and in the case of outgoing data, it is the detail number of incoming data to be paired.).

  <Detailed configuration of trading system 50>

  <Structure of trading system 50 / order receiving / creating means 51>

  The order receiving / creating means 51 is a saving condition (funding condition at which the purchase date has arrived) transmitted from the saving balance management system 20 by the saving condition linking means 25 and stored in the linked saving condition storage means (not shown). Is used to create order data (including account identification information, brand identification information, quantity, and trading category) for a purchase order, and store the created order data in the order data storage means 61. . At this time, the account identification information is, as described in detail above, [1] a main account number assigned to each customer and functioning as customer identification information, and an account type provided for each service provided to the customer. [2] Account identification information consisting of an account number assigned to each service and each customer may be used. Although there is a mode, here, the case of the latter [2] is assumed.

  The order receiving / creating means 51 receives a purchase order (for example, a purchase order by an online trade transmitted from the terminal device 80 via the network 1) based on a condition other than the funding condition, and executes the purchase order. A process for creating order data (including account identification information, brand identification information, quantity, and trading category) and storing the created order data in the order data storage unit 61 is also executed. However, in the present embodiment, it is assumed that only the purchase order for a financial product that can be a target of the reserve investment handled by the reserve balance management system 20 is considered.

  <Structures of trading system 50 / order / contract processing means 52 and contract data linking means 53>

  The order / contract processing means 52 executes purchase processing of financial products using the order data stored in the order data storage means 61, and executes contract data (account identification information, purchase brand) obtained by the purchase. (Including the brand identification information, the contract amount, and the transfer amount) for the contract data storage means 62 (see FIG. 5). However, in the present embodiment, it is assumed that only the purchase and execution processing of a financial instrument that can be a target of a funded investment handled by the funded balance management system 20 is considered. As in the case of the account identification information included in the order data described above, the account identification information included in the execution data may be [1] or [2] (two types). ].

  At this time, the order / contract processing means 52 creates purchase order data (including account identification information, brand identification information, quantity, and trading category) for financial products that need to be placed on the market. Executing the purchase process for transmitting to the market system 71 via the communication line 4, receiving the contract data transmitted from the market system 71 via the communication line 4, and storing the received contract data in the contract data storage means. A contract process stored in the storage unit 62 (see FIG. 5) is executed. As for the purchase of the same brand by the same customer, purchase orders across a plurality of account types (in the present embodiment, the main account and the NISA account) may be ordered collectively. In the contract processing, distribution to each account (main account, NISA account) is performed, contract data for each account is created, and stored in the contract data storage means 62 (see FIG. 5). Furthermore, with respect to financial products such as stock-cumulative investments, in which each individual customer purchases less than one unit of stock, stocks and shares are purchased collectively under the name of a financial institution such as a securities company, and each contract is processed. Allocated to customers, contract data of each customer may be created and stored in the contract data storage means 62 (see FIG. 5). Note that the purchase processing that collects the purchase orders of a plurality of customers and the contract processing that distributes the purchase orders to each customer are not performed by the trading system 50, which is the core system, but by another system in the company that cooperates with the data ( It may be executed by the financial product information providing system 70).

  The contract data linking means 53 stores the contract data stored in the contract data storage means 62 (refer to FIG. 5) (however, here, the contract data about the financial product which can be a target of the reserve investment handled by the reserve balance management system 20). Is transmitted to the reserve balance management system 20 via the communication line 2. This transmission process is performed, for example, as a batch process at night or the like. When the form of the account identification information is different between the trading system 50 and the reserve balance management system 20, when the form of account identification information is linked by the reserve condition linking means 25 of the reserve balance management system 20 described above. Similarly, conversion processing in the form of account identification information is executed by the contract data linking means 53 of the trading system 50 or the contract data extracting means 28 of the reserve balance management system 20.

  <Structure of trading system 50 / entry / delivery statement creation means 54 and entry / exit data linking means 55>

  The entry / exit statement creation unit 54 creates entry / exit data (combination of entry data and exit data) using the right information stored in the right information storage unit 63, and creates the entered / exit data (specification number, account number). Including the identification information, the brand identification information, and the type and quantity of transactions related to entry and exit, the process is performed to store the entry / exit data storage means 65 (see FIGS. 11, 12, and 13). The entry / exit statement creation means 54 performs processing in a conventional manner without considering a wallet, and is the same as that installed in an existing trading system. The account identification information included in the entry / exit data may be [1] or [2] (two types), as in the case of the account identification information included in the order data or the execution data described above. The case of the latter [2] is assumed.

  Here, the right information is information such as a corporate action and, for example, in the case of a stock split, a split ratio and the like. In the case of the inter-account balance transfer process, account identification information for an account before transfer (for example, a NISA account), account identification information for an account after transfer (for example, a main account), and the like. In the case of the issue change process, issue identification information (for example, the fifth digit of the issue code is “1”) for the issue before the change (for example, a new share generated by offering, capital increase, etc.), and the issue after the change Brand identification information (for example, the fifth digit of the brand code is “0”) for (parent stock).

  In addition, the entry / exit statement creation unit 54 creates entry / exit data (combination of entry data and exit data) using the information on unit share transfer stored in the unit share transfer information storage unit 64, and creates the created entry / exit data. The process of storing the delivery data (including the item number, account identification information, brand identification information, transaction type and quantity related to entry and exit, and the like) in the entry / exit data storage unit 65 (see FIG. 14) is also executed. The entry / exit processing for unit stock transfer by the entry / exit statement preparation means 54 is also a conventional processing without considering a wallet, and is the same as the processing in the existing trading system.

  Here, the unit stock transfer information is information when the number of stocks accumulated through the cumulative stock investment reaches the number of unit stocks (number of shares) for the stock, and any account (customer) This is information on which issue (account identification information including a function as identification information) and how much of which issue (issue identification information) is to be subjected to unit share transfer processing.

  The entry / exit data linking unit 55 executes a process of transmitting the entry / exit data stored in the entry / exit data storage unit 65 (see FIGS. 11 to 14) to the reserve balance management system 20 via the communication line 2. Things. This transmission process is performed, for example, as a batch process at night or the like.

  When the form of the account identification information is different between the trading system 50 and the reserve balance management system 20, when the form of account identification information is linked by the reserve condition linking means 25 of the reserve balance management system 20 described above. Similarly, the conversion processing of the form of the account identification information is executed by the entry / exit data linking means 55 on the trading system 50 side, or the entry / exit wallet apportioning means 30 and unit stock transfer means 31 on the reserve balance management system 20 side.

  <Configuration of Trading System 50 / Customer Balance Linking Means 56>

  The customer balance linking means 56 stores the customer balance data (including account identification information, brand identification information, and balance quantity) stored in the customer balance storage means 66 (see FIG. 15) via the communication line 2. The processing for transmitting to the balance management system 20 is executed. This transmission process is performed, for example, as a batch process at night or the like. The account identification information included in the customer balance data may be [1] or [2] (two types), similar to the account identification information included in the above-described order data, execution data, and entry / exit data. Here, the latter case [2] is assumed.

  When the form of the account identification information is different between the trading system 50 and the reserve balance management system 20, when the form of account identification information is linked by the reserve condition linking means 25 of the reserve balance management system 20 described above. Similarly, the customer balance linking means 56 of the trading system 50 or the wallet balance updating means 29 of the reserve balance management system 20 executes a conversion process in the form of account identification information.

  <Trading System 50 / Configuration of Each Storage Unit 61-66>

  The order data storage means 61 stores order data (including account identification information, brand identification information, quantity, and trading category) for a purchase order. Since the form of the account identification information (two forms) has been described in the description of the order receiving / creating means 51, detailed description thereof will be omitted.

  As shown in FIG. 5, the contract data storage means 62 stores contract data (including account identification information, brand identification information on the purchased brand, a contract amount, and a delivery amount). The form (two forms) of the account identification information has been described in the description of the order / contract processing means 52, and therefore detailed description is omitted here.

  The right information storage unit 63 stores right information (information on a corporate action or the like) for which entry / exit is required.

  The unit stock transfer information storage means 64 stores information relating to the unit stock transfer for which entry / exit is required.

  As shown in FIG. 11, FIG. 12, FIG. 13, and FIG. .) Is stored. Since the form of the account identification information (two forms) has been described in the description of the entry / exit statement creation means 54, detailed description is omitted here.

  As shown in FIG. 15, the customer balance storage means 66 stores customer balance data (including account identification information, brand identification information, and balance quantity). Since the form of the account identification information (two forms) has been described in the description of the customer balance linking means 56, the detailed description is omitted here.

  Here, in the trading system 50, the balance management is not performed on a wallet basis but on a per account basis according to a conventional method. Therefore, each record of the customer balance storage means 66 (see FIG. 15) has a wallet management number. Does not exist. Therefore, for any brand in any account, the balance quantity of each record in the customer balance storage means 66 (refer to FIG. 15) is determined when all the wallets in the reserve balance management system 20 (the balance of the non-reserveable wallet) are present. Is the total amount of balances of all wallets and non-funded wallets).

  For example, for a certain customer, in the reserve balance management system 20, the balance amount of the brand α of the investment trust managed by the main account is 3,000 in the wallet for retirement funds (wallet management number = “000001”). The balance amount of the investment trust brand α that is also managed in the main account = 5,000 units belongs to the leisure wallet (wallet management number = “000002”). Similarly, if the balance amount of the brand α of the investment trust managed by the main account is 2,000 units, the trading system 50 summarizes the balance amounts (3,000 units + 5,000 units). Unit + 2,000 units), the balance amount of the investment trust brand α managed by the main account = 10,000 units is only managed, and each wallet and reserve Outside the wallet, there is no information that how much of the balance quantity or are you belong.

  <Data processing flow for stock split: Fig. 11>

  FIG. 11 shows a flow of a series of data processing at the time of stock split, that is, a process of creating entry / exit data by the entry / exit detail creation unit 54, a process of transmitting entry / exit data by the entry / exit data linkage unit 55, an entry / exit wallet The flow of the apportioning process of the incoming and outgoing data by the apportioning means 30 and the balance updating process of each wallet by the wallet balance updating means 29 (see FIG. 1) is shown in a specific example.

  In the example of FIG. 11, a stock split is performed at a split ratio = 1: 2 for a stock β of domestic stock. Goro Yamato (main account number = G) has a total of 100 domestic stocks β in the main account. Then, since the split ratio = 1: 2, 100 shares of the domestic stock brand β in the main account held by Yamato Goro are split into 200 shares.

  At this time, as shown in FIG. 11 (C), Goro Yamato (main account number = G) stores the stock β of domestic stock in the main account and 30 stocks in the wallet balance storage means 42 of the reserve balance management system 20. The information that +100 shares and +10 shares are owned in total is stored. However, since the trading system 50 does not manage the balance on a wallet basis, there is only information that a total of 100 shares are held. Therefore, if there is information on the trading system 50 side that divides 100 shares into 200 shares, the reserve balance management system 20 transmits that information to each wallet (when there is a balance in a non-reserveable wallet). Must be apportioned to each wallet and non-funded wallet).

  As shown in FIG. 11 (A), in the entry / exit data storage means 65 of the trading system 50, as the entry / exit data of the pair, the entry data of the detailed number = “000001” including the quantity of entry = 200 shares, and the exit And the outgoing data of the item number = “000002” including the quantity = 100 shares are stored. The incoming data and the outgoing data are in a state where only the quantity among the account identification information, the brand identification information, and the quantity differs according to the division ratio. Therefore, on the trading system 50 side, such entry / exit data is created by the entry / exit statement creating means 54 using the right information stored in the right information storage means 63 without considering the wallet.

  Subsequently, the entry / exit data stored in the entry / exit data storage unit 65 in the state shown in FIG. 11A by the entry / exit data linking unit 55 of the trading system 50 is transferred to the reserve balance management system 20 via the communication line 2. Send to In the reserve balance management system 20, the entry / exit data transmitted from the trading system 50 is received by the entry / exit wallet apportioning means 30. At the time of transmission / reception of this entry / exit data, since the form of account identification information is different between the trading system 50 which is the transmitting side and the reserve balance management system 20 which is the receiving side, the trading system 50 side The conversion process in the form of account identification information is executed by the entry / exit data linking unit 55 or the entry / exit wallet apportioning unit 30 of the reserve balance management system 20. In the present embodiment, the above-mentioned form [2] is converted into the form [1].

  Then, the entry / exit wallet apportioning means 30, as a process on the entry data side, includes the entry data and the account identification information of the balance amount of the customer's stocks stored in the wallet balance storage means 42 (see FIG. 11C). The incoming data is apportioned to each wallet by apportioning the incoming quantity of incoming data using the apportionment ratio consisting of the ratio of each balance quantity of records with matching information and brand identification information, and each incoming after apportioning The data is added with the wallet management number of each record including each balance quantity used for calculating the apportionment ratio, and stored in the entry / exit wallet apportionment result storage means 47 (see FIG. 11B).

  In the example of FIG. 11, as shown in the wallet balance storage unit 42 of FIG. 11C, Gowa Yamato (main account number = G) sets the wallet management number = “000001” for the domestic stock brand β of the main account. Has 30 shares out of a total of 100 shares (30 shares + 60 shares + 10 shares) in the wallet, and the proportion allocated to this wallet is 30 shares / 100 shares, and the wallet management number = “000002” Since the wallet holds 60 shares out of a total of 100 shares, the proportion allocated to this wallet is 60 shares / 100 shares, and a total of 100 shares are stored in the non-funded wallet with the wallet management number = “999999”. Of the above, the proportion prorated to non-funded wallets is 10/100.

  The incoming / outgoing wallet apportioning means 30 uses these apportioning ratios to apportion the incoming data of the incoming data = 200 shares (see FIG. 11A). The apportioned quantity of the wallet management number = “000001” to the wallet is 200 shares × (30 shares / 100 shares) = 60 shares, and the apportioned receiving data including the apportioned receiving quantity of 60 shares is created. At the same time, the entry data is added with the wallet management number = “000001” and stored in the entry / exit wallet apportionment result storage means 47 (refer to the record on the first line in FIG. 11B). Similarly, the apportioned quantity of the wallet with the wallet management number = “000002” is 200 shares × (60 shares / 100 shares) = 120 shares, and the apportioned receipt data including the apportioned receipt quantity of 120 shares. Is created, and the entry data is added with the wallet management number = “000002” and stored in the entry / exit wallet apportionment result storage means 47 (see the record on the second line in FIG. 11B). The apportioned quantity of the wallet management number = “999999” to the non-funded wallet is 200 shares × (10 shares / 100 shares) = 20 shares, and the apportioned quantity including the apportioned quantity of 20 shares is 20 shares. While the incoming data is created, the incoming data is added with the wallet management number = “999999” and stored in the incoming / outgoing wallet apportioning result storage means 47 (refer to the record in the third row of FIG. 11B). .

  In addition, the entry / exit wallet apportioning means 30, as a process on the exit data side, includes the exit data and the account identification information of the balance quantity of the customer's stocks stored in the wallet balance storage means 42 (see FIG. 11C). Using the apportionment ratio (which is the same apportionment ratio as the above-mentioned apportionment rate of incoming data) consisting of the ratio between the balance quantities of records with matching information and brand identification information, apportioning the outgoing quantity of outgoing data. Thus, the delivery data is apportioned into each wallet, and the apportioned delivery data is added with the wallet management number of each record including the balance quantity used for calculating the apportionment ratio, and the entry / exit wallet apportionment result storage means 47 ( (See FIG. 11B).

  In the example of FIG. 11, the apportionment ratio is the same as that of the incoming data. The incoming / outgoing wallet apportioning means 30 uses these apportioning ratios to apportion the outgoing data in the outgoing data = 100 shares (see FIG. 11A). The apportioned quantity for the wallet with the wallet management number = “000001” is 100 shares × (30 shares / 100 shares) = 30 shares, and the distribution data after distribution including the distribution quantity of 30 shares is created. At the same time, a wallet management number = “000001” is added to the exit data and stored in the entry / exit wallet apportionment result storage means 47 (refer to the record in the fourth line in FIG. 11B). Similarly, the apportioned quantity to the wallet with the wallet management number = “000002” is 100 shares × (60 shares / 100 shares) = 60 shares, and the distribution data after distribution including the distribution quantity of 60 shares after distribution. Is created, a wallet management number = “000002” is added to the exit data, and the data is stored in the entry / exit wallet apportionment result storage means 47 (refer to the record in the fifth row of FIG. 11B). Further, the apportioned quantity of the wallet management number = “999999” to the non-funded wallet is 100 shares × (10 shares / 100 shares) = 10, and the apportioned quantity including the apportioned quantity of 10 shares is 10 shares. Outgoing data is created, and the outgoing data is added with the wallet management number = “999999” and stored in the incoming / outgoing wallet apportioning result storage means 47 (see the record on the sixth line in FIG. 11B). .

  Thereafter, the wallet balance updating unit 29 stores the balance quantity of the brands to be split used for calculating the apportionment ratio stored in the wallet balance storage unit 42 (see FIG. 3) (the entry / exit wallet apportionment result storage unit 47 (FIG. 11). (See Reference), the balance quantity of the record including the wallet management number added to each of the incoming data and the outgoing data stored in each outgoing data) is distributed to each of the wallets stored in the incoming / outgoing wallet apportioning result storage means 47. In addition, the processing of adding the number of receipts of each piece of receipt data and reducing the quantity of dispatch of each piece of receipt data after apportionment to each wallet is executed.

  In the example of FIG. 11, the wallet balance number of the record (record on the first line) of the wallet management number = “000001” (the first row record) in the wallet balance storage unit 42 (see FIG. 11C) is 30 shares. The quantity of goods received after apportionment = 60 shares (refer to the record in the first row of FIG. 11B) and the quantity of goods issue after apportionment to this wallet = 30 shares (4th of FIG. 11B) As a result, the balance quantity after the entry / exit processing is 60 shares (see the record on the first line in FIG. 11D). Similarly, the balance quantity = 60 shares of the record of the wallet management number = “000002” (the record in the second row) in the wallet balance storage unit 42 (see FIG. 11C), after the distribution to the wallet, Incoming quantity = 120 shares (refer to the record in the second line of FIG. 11B), and the number of outgoing goods after distribution to the wallet = 60 shares (the fifth line in FIG. 11B) As a result, the balance quantity after the entry / exit process becomes 120 shares (see the record on the second line in FIG. 11D). Also, in the wallet balance storage unit 42 (see FIG. 11C), the balance quantity = 10 shares of the record of the wallet management number = “999999” (the record in the third line) is apportioned to the non-funded wallet. In addition to adding the number of incoming goods = 20 shares (refer to the record in the third line of FIG. 11B), the number of outgoing goods after apportioning to this non-reserved wallet = 10 shares (of FIG. 11B) (Refer to the record in the sixth line), and as a result, the balance quantity after the entry / exit processing = 20 shares (see the record in the third line in FIG. 11D). Therefore, the data in the wallet balance storage means 42 changes from the state shown in FIG. 11C to the state shown in FIG.

  <Flow of data processing during inter-account balance transfer processing: FIG. 12>

  FIG. 12 shows a flow of a series of data processing at the time of the inter-account balance transfer processing, that is, the processing of creating entry / exit data by the entry / exit statement creation means 54, the processing of sending / receiving data by the entry / exit data linking means 55, The flow of the apportioning process of incoming / outgoing data by the incoming / outgoing wallet apportioning means 30 and the balance updating process of each wallet by the wallet balance updating means 29 (see FIG. 1) is shown in a specific example.

  In the example of FIG. 12, the balance amount = 20,000 of the investment trust δ of the NISA account held by the main account number = H (Yoko Yamato) is transferred to the main account. Therefore, the account identification information is changed from the NISA account to the main account while keeping the brand identification information and the quantity. At this time, as shown in FIG. 12C, in the wallet balance storage means 42 of the reserve balance management system 20, Ryoko Yamato (main account number = H) stores the investment trust brand δ in the NISA account, The information that the user has 20,000 units in total of 2,000 units + 6,000 units + 5,000 units is stored. However, in the trading system 50, since the balance management is not performed on a wallet basis, there is only information that the NISA account has a total of 20,000 units. Therefore, if the trading system 50 has information indicating that 20,000 NISA accounts are to be transferred to the main account, the funded balance management system 20 transmits the information to each wallet (there is a balance in a non-funded wallet). In this case, it is necessary to apportion each wallet and the non-funded wallet).

  As shown in FIG. 12 (A), in the entry / exit data storage means 65 of the trading system 50, as the entry / exit data of the pair, the statement number = “Account identification information H (Yoko Yamato's main account)”. 000001 ”and the outgoing data of the item number =“ 000002 ”with the account identification information H1 (Yoko Yamato's NISA account) are stored. These incoming data and outgoing data are in a state where only account identification information among account identification information, brand identification information, and quantity is different. Therefore, on the trading system 50 side, such entry / exit data is created by the entry / exit statement creating means 54 using the right information stored in the right information storage means 63 without considering the wallet.

  Subsequently, the entry / exit data stored in the entry / exit data storage unit 65 in the state of FIG. Send to In the reserve balance management system 20, the entry / exit data transmitted from the trading system 50 is received by the entry / exit wallet apportioning means 30. At the time of transmission / reception of this entry / exit data, since the form of account identification information is different between the trading system 50 which is the transmitting side and the reserve balance management system 20 which is the receiving side, the trading system 50 side The conversion process in the form of account identification information is executed by the entry / exit data linking unit 55 or the entry / exit wallet apportioning unit 30 of the reserve balance management system 20. In the present embodiment, the above-mentioned form [2] is converted into the form [1].

  Then, the entry / exit wallet apportioning means 30 selects, from the entry / exit data received from the trading system 50, the pair of entry / exit data (inbound / exit data) of a pair in which only account identification information is different among account identification information, brand identification information, and quantity. Data and outgoing data), and a detailed number of the extracted outgoing data is added to the extracted incoming data. Note that a processed flag is held in the entry / exit data, and the processed flag is turned on for the extracted pair of entry / exit data.

  In the example of FIG. 12, the incoming data and the outgoing data shown in FIG. 12A are extracted (however, since FIG. Then, the warehoused data and the warehoused data in the state after the cooperation transmitted to the above are extracted.), And the extracted warehoused data (detail number = “000001”) is added with the detailed number of the extracted warehoused data = “000002” I do. At the same time, the extracted receipt data (detail number = “000001”) may be added with the extracted receipt data detail number = “000001”.

  Then, the entry / exit wallet apportioning means 30, first, as a process on the exit data side, out of the balance data of the customer's stocks stored in the wallet balance storage means 42 (see FIG. Using the apportionment ratio consisting of the ratio of each balance quantity of the records where the account identification information and the brand identification information match, the issue data is apportioned to each wallet by apportioning the issue quantity of issue data, A process of adding a wallet management number of each record including each balance quantity used for calculating the apportionment ratio to each of the obtained delivery data and storing the data in the entry / exit wallet apportionment result storage means 47 (see FIG. 12B). Execute

  In the example of FIG. 12, as shown in the wallet balance storage unit 42 of FIG. 12C, the main account number = H (Yoko Yamato) is the wallet management number = “000001” for the brand δ of the investment trust in the NISA account. Has 9,000 units out of a total of 20,000 units (9,000 units + 6,000 units + 5,000 units), so the proportional distribution ratio to this wallet is 9,000 units / 20,000 units, and the wallet with the wallet management number = “000002” has 6,000 units out of the total of 20,000 units. 5,000 units out of the total 20,000 units in the non-funded wallet with the wallet management number = "999999" Pro rata proportion of the Oretto is a 5,000-neck / 20,000-neck.

  The incoming / outgoing wallet apportioning means 30 uses these apportioning ratios to apportion the outgoing data of the outgoing data = 20,000 units (see FIG. 12A). The apportioned quantity for the wallet with the wallet management number = “000001” is 20,000 units × (9,000 units / 20,000 units) = 9,000 units. Is generated, the wallet management number = “000001” is added to the data, and the entry / exit wallet apportionment result storage means 47 (refer to the record on the fourth line in FIG. 12B) ) Is stored. Similarly, the apportioned quantity for the wallet with the wallet management number = “000002” is 20,000 units × (6,000 units / 20,000 units) = 6,000 units, and this 6,000 units after the apportionment The distribution data after the distribution including the number of retrievals is created, the wallet management number = “000002” is added to the retrieval data, and the retrieval / reception wallet distribution result storage means 47 (the fifth line in FIG. 12B) Record). In addition, the apportioning quantity of the wallet management number = “999999” to the non-reserved wallet is 20,000 units × (5,000 units / 20,000 units) = 5,000 units, which is 5,000 units. After the apportioned outgoing data including the later outgoing quantity, the wallet management number = “999999” is added to the outgoing data, and the incoming / outgoing wallet apportioning result storage means 47 (FIG. 12 (B), the sixth section). (Refer to the record in the row).

  Since the processing is executed from the processing on the delivery data side, the record of the balance of the brand δ of the investment trust in the NISA account exists in the wallet balance storage means 42 in FIG. Although the distribution data can be apportioned properly, if the processing is executed from the receipt data side, the receipt data, the account identification information, and the brand identification information are stored in the wallet balance storage means 42 of FIG. Does not exist, that is, there is no record of the balance of the brand δ of the investment trust in the main account, so that the receipt data cannot be apportioned, resulting in the receipt data belonging to the non-funded wallet. Therefore, as described in detail in the description of the configuration of the entry / exit wallet apportioning means 30, the result is that the target management information is reset to zero.

  Subsequently, the entry / exit wallet apportioning means 30 specifies, as a process on the entry data side, each piece of exit data of the pair after apportionment using the item number of the exit data added to the entry data, and identifies the specified apportioned post-distribution data. The wallet control number added to each issue data is used as the wallet control number when apportioning incoming data to each wallet, and the specified number of issues of each issue data after apportionment is calculated, and the receipt of each apportion data after apportionment A process of storing the number in the entry / exit wallet apportionment result storage unit 47 (see FIG. 12B) as the number of items is executed.

  In the example of FIG. 12, the receipt data with the detail number = “000001” is added with the detail number = “000002” of the outgoing data of the pair (not shown, but the receipt data on the trading system 50 side is omitted). The same applies to the state of FIG. 12 (A) showing the state of the outgoing data.) Then, the outgoing data of the pair is specified by using the specification number = “000002”. The outgoing data with the item number = “000002” has already been apportioned, and is stored in the incoming / outgoing wallet apportioning result storage means 47 (see the records in the fourth, fifth, and sixth rows) in FIG. Stored data of each pair (detail number = “000002”) and a wallet management number added thereto are stored. Therefore, the wallet management number added to each issue data identifies each wallet to which the incoming data is apportioned and the non-funded wallet, as well as the number of dispatches after apportionment included in each issue data. And so on, and distribute the incoming data proportionally. Specifically, the account identification information of the receipt data (main account number = H (Ryoko Yamato), account type classification = main account), the same issue identification information δ as the issue identification information included in each issue data, each issue Creates each receipt data including the quantity of apportioned receipts, which is the same quantity as the quantity of apportioned outgoing goods contained in the data, and is added to each created apportioned receipt data to each created apportioned receipt data. The same wallet management number as the wallet management number is added and stored in the entry / exit wallet apportionment result storage means 47 (see the records in the first, second, and third rows in FIG. 12B). As a result, the information (wallet management number, brand identification information) of each piece of delivery data (records in the fourth, fifth, and sixth rows) of the pair after apportionment is stored in the entry / exit wallet apportioning result storage means 47 in FIG. , Quantity), and each apportioned receipt data (records in the first, second, and third rows) in which only the account identification information is replaced with the main account is stored.

  After that, the wallet balance updating means 29 performs the warehousing process by assuming the number of warehousing of each warehousing data after being apportioned to each wallet stored in the incoming / outgoing wallet apportioning result storage means 47 (see FIG. 12B). The wallet management number added to the outgoing data, and the customer's stocks stored in the wallet balance storage means 42 (see FIG. 12C) in association with the account identification information and the brand identification information that match each outgoing data. Subtract from or delete the record containing this balance quantity. The wallet balance update means 29 also updates the total investment amount in addition to the update of the balance amount. At this time, the total investment amount before update is saved in another memory (main memory area or the like). The cumulative investment amount before the update may be stored in the entry / exit wallet apportionment result storage unit 47 in FIG. 12B, and this storage process may be executed by the entry / exit wallet apportionment unit 30. .

  In the example of FIG. 12, the wallet management number = “000001” in the wallet balance storage unit 42 (see FIG. 12C) (the first line record) from the balance quantity = 9,000 units to this wallet. The number of outgoing goods after apportioning is reduced by 9,000 units (refer to the record in the fourth line in FIG. 12B) to make the balance amount = 0 units, or the record (record in the first line) ) Is deleted from the wallet balance storage means 42. Similarly, from the wallet management number = “000002” in the wallet balance storage unit 42 (see FIG. 12C), the balance quantity of the record (record on the second line) = 6,000 units, after the distribution to the wallet The quantity of outgoing goods = 6,000 units (see the record in the fifth row of FIG. 12B) to make the balance quantity = 0 units, or the record (the record in the second line) is a wallet It is deleted from the balance storage means 42. In addition, in the wallet balance storage unit 42 (see FIG. 12C), the balance quantity of the non-funded record (the record in the third row) of the wallet management number = “999999” = 5,000 units is transferred to this wallet. Reduce the number of outgoing goods after apportionment = 5,000 units (see the record on the sixth line in FIG. 12B) to make the balance amount = 0 units, or the record (the record on the third line) From the wallet balance storage means 42.

  Further, since the wallet balance update means 29 updates the total investment amount in addition to the update of the balance amount, the total amount corresponding to the balance amount = 9,000 units in the record on the first line in FIG. Investment amount = 18,000 yen, balance amount in the record on the second line = 6,000 units. Total investment amount = 12,000 yen, balance amount in the record on the third line = 5,000 units. The total investment amount to be updated is also updated to 10,000 yen to be 0 yen, and at this time, the record data including the total investment amount before update = 18,000 yen, 12,000 yen, and 10,000 yen ( Various data associated with the wallet management number) are saved and saved in another memory (main memory or the like).

  Further, the wallet balance updating means 29 performs, as a warehousing process, the number of warehousing of each warehousing data which has been apportioned to each wallet stored in the incoming / outgoing wallet apportioning result storage means 47 (see FIG. 12B). The wallet management number (wallet management number obtained from each of the paired outgoing data) added to the incoming data, and the wallet balance storage means 42 (FIG. 12) associated with the account identification information and the brand identification information that match each incoming data. (C), the record to be added to the balance amount of the customer's stocks stored in the customer or the record to be added does not exist in the wallet balance storage means 42 (see FIG. 12C). A record containing the control number, account identification information and brand identification information, and the number of receipts of each receipt data after apportionment Form executes processing to be stored in the Wallet Balance storage means 42. At this time, the wallet balance updating means 29 also uses the data (including the total investment amount) saved in another memory to reflect information such as the total investment amount in the record to be stored.

  In the example of FIG. 12, as shown in FIG. 12 (D), each of the apportioned incoming data (first, second, third, and third) stored in the incoming / outgoing wallet apportioning result storage means 47 (see FIG. 12 (B)). A record including the information (account identification information, brand identification information, the number of warehouses after apportionment) and the wallet management number added to them is created and stored in the wallet balance storage means 42. At this time, the created record also includes information such as the total investment amount saved in another memory. Therefore, the data in the wallet balance storage means 42 is changed from the state shown in FIG. 12C to the state shown in FIG. 12D through the entry / exit processing, and the account type classification is changed from the NISA account to the main It is in the state changed to an account.

  <Flow of data processing at the time of brand change processing: FIG. 13>

  FIG. 13 shows a flow of a series of data processing at the time of a brand change process, that is, a process of creating entry / exit data by the entry / exit detail creation unit 54, a process of transmitting / receiving entry / exit data by the entry / exit data linking unit 55, and an entry / exit process. The flow of the apportioning process of incoming and outgoing data by the wallet apportioning means 30 and the balance updating processing of each wallet by the wallet balance updating means 29 (see FIG. 1) is shown in a specific example.

  In the example of FIG. 13, the balance amount of the domestic account σ of the main account held by the main account number = J (Momoko Yamato) = 100 shares is changed to the balance amount of the domestic account τ of the main account = 100 shares. Therefore, the brand identification information is changed from σ to τ while the account identification information and the quantity remain unchanged. At this time, as shown in FIG. 13 (C), the wallet balance storage means 42 of the reserve balance management system 20 stores Momoko Yamato (main account number = J), a stock σ of domestic stock in the main account, and 30 stocks. The information that +100 shares and +10 shares hold a total of 100 shares is stored. However, in the trading system 50, since the balance management is not performed on a wallet basis, the main account has only information that a total of 100 shares are held. Therefore, when there is information on the trading system 50 that the 100 shares of the domestic account σ in the main account are changed to 100 shares of the domestic account τ in the main account, the information on the reserve balance management system 20 is used to change the information. It is necessary to apportion to each wallet (if there is a balance in the non-funded wallet, each wallet and the non-funded wallet).

  As shown in FIG. 13 (A), in the entry / exit data storage means 65 of the trading system 50, as entry / exit data of the pair, entry data of the item number = “000001” in which the brand identification information is τ, Outgoing data of the item number = “000002” in which the brand identification information is σ is stored. The incoming data and the outgoing data are in a state where only the brand identification information of the account identification information, the brand identification information, and the quantity is different. Therefore, on the trading system 50 side, such entry / exit data is created by the entry / exit statement creating means 54 using the right information stored in the right information storage means 63 without considering the wallet.

  Subsequently, the entry / exit data stored in the entry / exit data storage unit 65 in the state shown in FIG. 13A by the entry / exit data linking unit 55 of the trading system 50 is transferred to the reserve balance management system 20 via the communication line 2. Send to In the reserve balance management system 20, the entry / exit data transmitted from the trading system 50 is received by the entry / exit wallet apportioning means 30. At the time of transmission / reception of this entry / exit data, since the form of account identification information is different between the trading system 50 which is the transmitting side and the reserve balance management system 20 which is the receiving side, the trading system 50 side The conversion process in the form of account identification information is executed by the entry / exit data linking unit 55 or the entry / exit wallet apportioning unit 30 of the reserve balance management system 20. In the present embodiment, the above-mentioned form [2] is converted into the form [1].

  Then, the entry / exit wallet apportioning means 30 selects the entry / exit data (pair of entry / exit data) of the pair in which only the issue identification information is different among the account identification information, issue identification information, and quantity from the entry / exit data received from the trading system 50. Data and outgoing data), and a detailed number of the extracted outgoing data is added to the extracted incoming data. Note that a processed flag is held in the entry / exit data, and the processed flag is turned on for the extracted pair of entry / exit data.

  In the example of FIG. 13, the incoming data and the outgoing data shown in FIG. 13 (A) are extracted (however, since FIG. 13 (A) is in the state of the trading system 50 side, these are transferred to the reserve balance management system 20 side). Then, the warehoused data and the warehoused data in the state after the cooperation transmitted to the server are extracted.), And the extracted warehoused data (detail number = “000001”) is added with the detailed number of the extracted warehoused data = “000002” I do. At the same time, the extracted receipt data (detail number = “000001”) may be added with the extracted receipt data detail number = “000001”.

  Then, the entry / exit wallet apportioning means 30, first, as processing on the exit data side, outgoing data and outgoing data of the balance amount of the customer's stocks stored in the wallet balance storage means 42 (see FIG. 13C). Using the apportionment ratio consisting of the ratio of each balance quantity of the records where the account identification information and the brand identification information match, the issue data is apportioned to each wallet by apportioning the issue quantity of the issue data, and A process of adding a wallet management number of each record including each balance quantity used for calculating the apportionment ratio to each of the obtained delivery data and storing the data in the entry / exit wallet apportionment result storage means 47 (see FIG. 13B). Execute

  In the example of FIG. 13, as shown in the wallet balance storage unit 42 of FIG. 13C, the main account number = J (Momoko Yamato) has the wallet management number = “000001” for the domestic stock brand σ of the main account. Has 30 shares out of a total of 100 shares (30 shares + 60 shares + 10 shares) in the wallet, so the proportional distribution ratio to this wallet is 30 shares / 100 shares, and the wallet management number = “000002” Since the wallet holds 60 shares out of a total of 100 shares, the proportion prorated to this wallet is 60 shares / 100 shares, and a total of 100 shares will be added to the non-funded wallet with the wallet control number = “999999”. Of the above, the proportion prorated to non-funded wallets is 10/100.

  The incoming / outgoing wallet apportioning means 30 apportions the outgoing data outgoing quantity = 100 shares (see FIG. 13A) using these apportioning ratios. The apportioned quantity for the wallet with the wallet management number = “000001” is 100 shares × (30 shares / 100 shares) = 30 shares, and the distribution data after distribution including the distribution quantity of 30 shares is created. At the same time, the entry / exit wallet apportionment result storage means 47 (see the record on the fourth line in FIG. 13B) is added to the exit data with the wallet management number = “000001” and stored. Similarly, the apportioned quantity to the wallet with the wallet management number = “000002” is 100 shares × (60 shares / 100 shares) = 60 shares, and the distribution data after distribution including the distribution quantity of 60 shares after distribution. Is generated, and a wallet management number = “000002” is added to the outgoing data and stored in the incoming / outgoing wallet apportioning result storage means 47 (see the record on the fifth line in FIG. 13B). Further, the apportioned quantity of the wallet management number = “999999” to the non-funded wallet is 100 shares × (10 shares / 100 shares) = 10, and the apportioned quantity including the apportioned quantity of 10 shares is 10 shares. Outgoing data is created, a wallet management number = “999999” is added to the outgoing data, and the data is stored in the incoming / outgoing wallet apportioning result storage means 47 (see the record on the sixth line in FIG. 13B). .

  It should be noted that since the processing is executed from the processing on the delivery data side, the record of the balance of the brand σ of the domestic stock in the main account exists in the wallet balance storage means 42 in FIG. Although the distribution data can be apportioned properly, if it is executed from the processing on the receipt data side, the receipt data, the account identification information and the brand identification information are stored in the wallet balance storage means 42 in FIG. Does not exist, that is, there is no record of the balance of the brand τ of the domestic stock in the main account, so that the incoming data cannot be apportioned, resulting in the incoming data belonging to the non-funded wallet. Therefore, as described in detail in the description of the configuration of the entry / exit wallet apportioning means 30, the result is that the target management information is reset to zero.

  Subsequently, the entry / exit wallet apportioning means 30, as a process on the entry data side, identifies each issue data of the pair after apportionment using the item number of the exit data added to the entry data, and specifies the specified apportioned post-distribution data. The wallet control number added to each issue data is used as the wallet control number when distributing the receipt data to each wallet, and the specified number of issues of each issue data after apportionment is calculated, and the receipt of each entry data after apportionment A process of storing the number in the entry / exit wallet apportionment result storage means 47 (see FIG. 13B) as the number of items.

  In the example of FIG. 13, the receipt data with the detail number = “000001” is added with the detail number = “000002” of the outgoing data of the pair (not shown, but the receipt data on the trading system 50 side is omitted). The same applies to the state of FIG. 13A showing the state of the leaving data.) The leaving data of the pair is specified using the specification number = “000002”. The delivery data with the item number = “000002” has already been apportioned, and is stored in the entry / exit wallet apportionment result storage means 47 (see the records in the fourth, fifth, and sixth rows) in FIG. Stored data of each pair (detail number = “000002”) and a wallet management number added thereto are stored. Therefore, the wallet management number added to each issue data identifies each wallet to which the incoming data is apportioned and the non-funded wallet, as well as the number of dispatches after apportionment included in each issue data. And so on, and distribute the incoming data proportionally. Specifically, the same account identification information as the account identification information included in each issue data (main account number = J (Yamato Momoko), account type classification = main account), brand identification information included in the receipt data τ, create each receipt data including the apportioned receipt quantity, which is the same quantity as the apportioned dispatch quantity included in each issue data, and create the apportioned receipt data and created The same wallet management number as the added wallet management number is added and stored in the entry / exit wallet apportioning result storage means 47 (see the records in the first, second, and third rows in FIG. 13B). As a result, the information (wallet management number, account identification information) of each piece of delivery data (records in the fourth, fifth, and sixth rows) of the pair after apportionment is stored in the entry / exit wallet apportioning result storage means 47 in FIG. , Quantity), and the respective distribution data (records in the first, second, and third rows) after the apportionment, in which only the brand identification information is replaced with τ, is stored.

  After that, the wallet balance updating means 29 performs the warehousing process by rewriting the number of warehousing of each warehousing data after being apportioned to each wallet stored in the incoming / outgoing wallet apportioning result storage means 47 (see FIG. 13B). The wallet management number added to the outgoing data, and the customer's stocks stored in the wallet balance storage means 42 (see FIG. 13 (C)) in association with the account identification information and the brand identification information matching the respective outgoing data. Subtract from or delete the record containing this balance quantity. The wallet balance update means 29 also updates the total investment amount in addition to the update of the balance amount. At this time, the total investment amount before update is saved in another memory (main memory area or the like). The total investment amount before updating may be stored in the storage / distribution wallet apportioning result storage unit 47 in FIG. 13B, and this storage processing may be executed by the storage / distribution wallet apportioning unit 30. .

  In the example of FIG. 13, the wallet management number = “000001” in the wallet balance storage unit 42 (see FIG. 13C) (balanced quantity of the record (record in the first row) = 30 shares) is apportioned to this wallet. Subsequent issue quantity = 30 shares (refer to the record in the fourth row of FIG. 13B) to reduce the balance quantity to 0 shares, or set the record (the record in the first row) to the wallet balance It is deleted from the storage means 42. Similarly, from the wallet balance number storage means 42 (see FIG. 13C), the balance quantity of the record of the wallet management number = “000002” (the record in the second row) = 60 shares is distributed to this wallet after apportionment to the wallet. Is reduced to 60 shares (see the record on the fifth line in FIG. 13B) to make the balance amount = 0 shares, or the record (the record on the second line) is stored in the wallet balance storage means 42 Remove from. Also, after the apportionment to the wallet from the balance quantity = 10 shares of the non-funded record (record in the third row) of the wallet management number = “999999” in the wallet balance storage unit 42 (see FIG. 13C). The number of outgoings = 10 shares (refer to the record in the sixth line of FIG. 13B) is subtracted to make the balance amount = 0 shares, or the record (the record in the third line) is stored in the wallet balance. It is deleted from the means 42.

  Further, since the wallet balance updating means 29 updates the total investment amount together with the update of the balance amount, the total investment amount corresponding to the balance amount = 30 shares in the record on the first line of FIG. 13C. = 90,000 yen, the balance amount in the record on the second line = the total investment amount corresponding to 60 shares = 180,000 yen, the balance amount in the record on the third line = the total investment amount corresponding to 10 shares = 30 000 yen is updated to be 0 yen, respectively. At this time, the record data including the total investment amount before the update = 90,000 yen, 180,000 yen, and 30,000 yen (associated with the wallet management number) Are saved in another memory (main memory or the like).

  Further, the wallet balance updating means 29 performs, as a warehousing process, the number of warehousing of each warehousing data after being apportioned to each wallet stored in the incoming / outgoing wallet apportioning result storage means 47 (see FIG. 13B). The wallet management number (wallet management number obtained from each of the paired outgoing data) added to the incoming data, and the wallet balance storage means 42 (FIG. 13) associated with the account identification information and the brand identification information that match each incoming data. (See FIG. 13 (C)), if the record to be added to or added to the balance quantity of the customer's stocks stored in the wallet balance storage means 42 (see FIG. 13 (C)) does not exist, A record containing the control number, account identification information and brand identification information, and the number of receipts of each receipt data after apportionment Form executes processing to be stored in the Wallet Balance storage means 42. At this time, the wallet balance updating means 29 also uses the data (including the total investment amount) saved in another memory to reflect information such as the total investment amount in the record to be stored.

  In the example of FIG. 13, as shown in FIG. 13D, the apportioned storage data (first, second, third, and third) stored in the entry and exit wallet apportionment result storage means 47 (see FIG. 13B). A record including the information (the record in the row) (account identification information, brand identification information, the number of warehouses after apportionment) and the wallet management number added thereto is created and stored in the wallet balance storage means 42. At this time, the created record also includes information such as the total investment amount saved in another memory. Therefore, the data in the wallet balance storage means 42 changes from the state shown in FIG. 13C to the state shown in FIG. 13D through the loading / unloading process, and the brand changes from σ to τ as indicated by the thick frame. State.

  <Data processing flow during unit stock transfer processing: Fig. 14>

  FIG. 14 shows a flow of a series of data processing at the time of unit stock transfer processing, that is, the processing of creating entry / exit data by the entry / exit statement creation means 54, the processing of sending / receiving data by the entry / exit data linking means 55, and the unit. A specific example is shown of a flow of a balance transfer process for unit stock transfer by the stock transfer means 31 and a wallet balance update process for unit stock transfer by the wallet balance update means 29 (see FIG. 1).

  In the example of FIG. 14, since the balance amount of the stock μ of the stock accumulation investment held by the main account number = K (Kikuko Yamato) has reached the number of unit shares of the stock μ (100 shares), the stock is transferred to domestic stock. Perform unit trading. Here, 100 shares out of the balance number of stocks μ of the stock cumulative investment in the main account = 120 shares are transferred to the balance amount of the stock μ of domestic stocks in the main account = 100 shares. At this time, as shown in FIG. 14 (C), Kikuko Yamato (main account number = K) stores the stock μ of the stock accumulation investment in the main account in the wallet balance storage means 42 of the reserve balance management system 20. The information is stored that the total number of shares is 30 shares + 70 shares and 120 shares are held. However, in the trading system 50, since the balance management is not performed on a wallet basis, the main account has only information that a total of 120 shares are held. Therefore, if there is information on the trading system 50 that 100 shares out of 120 shares of the stock μ of the stock in the main account are transferred to 100 shares of the stock μ of the domestic stock in the main account, the reserve balance In applying the information, the management system 20 needs to consider each wallet (or each wallet and the non-funded wallet when there is a balance in the non-funded wallet) and perform the entire process. .

  As shown in FIG. 14 (A), the entry / exit data storage means 65 of the trading system 50 stores, as entry / exit data of domestic stocks, an item number = “000001” with a stock μ and a quantity of 100 shares. Stored data is stored. Further, as shown in FIG. 14B, as the stock-in / out data of the cumulative stock investment, the stock-out data of the item number = “000002” in which the brand is μ and the quantity is 100 shares is stored. The entry data and the exit data are a pair of entry / exit data in which only the product category constituting the issue identification information among the account identification information, issue identification information, and quantity is different. Therefore, on the trading system 50 side, by using the unit stock transfer information stored in the unit stock transfer information storage unit 64 by the stock in / out detail creation unit 54, such stock data can be obtained without considering the wallet. Is created.

  Subsequently, the paired entry / exit data stored in the entry / exit data storage unit 65 in the state of FIGS. 14A and 14B by the entry / exit data linking unit 55 of the trading system 50 is transmitted to the communication line 2. Is transmitted to the reserve balance management system 20 via the. In the reserve balance management system 20, the input / output data transmitted from the trading system 50 is received by the unit stock transfer means 31. At the time of sending and receiving the entry / exit data, since the form of account identification information is different between the trading system 50 as the transmitting side and the reserve balance management system 20 as the receiving side, the trading system 50 side Conversion processing in the form of account identification information is executed by the entry / exit data linking means 55 or the unit share transfer means 31 of the reserve balance management system 20. In the present embodiment, the above-mentioned form [2] is converted into the form [1].

  Then, the unit share transfer means 31 gives priority to the sale priority of each wallet determined by a predetermined rule with respect to the balance amount of the stock in the cumulative stock investment stored in the wallet balance storage means 42 (see FIG. 14C). According to the ranking, the sales priority of the issue in the lowest-priority wallet is compensated for to compensate for the shortage of the issue quantity of the issue data corresponding to a multiple of unit shares. By moving from the balance quantity of the issue in the wallet with the highest priority to the balance quantity of the issue in the wallet with the lowest sale priority, the balance quantity of the issue in the wallet with the lowest sale priority is reduced by a multiple of the unit share. Execute the process to reach the quantity.

  In the example of FIG. 14, as shown in FIG. 14C, the wallet with the wallet management number = “000003” is the wallet with the lowest sales priority. Is compared with 100 shares (see FIG. 14B). It should be noted that the outgoing quantity of the outgoing data is a multiple (100 times in this example) of the unit stock, which is 100 shares. Therefore, the wallet with the lowest selling priority (wallet management number = “000003”) has a shortage of 30 shares to reach the number of issues (100 shares) of issue data corresponding to a multiple of a unit share.

  Therefore, a total of 30 shares are transferred from the wallet having the highest selling priority (wallet management number = “000001”) to the wallet having the lowest selling priority (wallet management number = “000003”). First, since the balance amount of the wallet having the highest selling priority (wallet management number = “000001”) is 20 shares (see FIG. 14C), all of the 20 shares are moved. Next, since the balance quantity of the wallet having the second highest selling priority (wallet management number = “000002”) is 30 shares (see FIG. 14C), 10 of these 30 shares are moved. . As a result, the balance transfer of a total of 30 shares has been performed, and the balance quantity of the wallet with the lowest selling priority (wallet management number = “000003”) is a multiple of the unit stock (the number of issues in the issue data). Reach 100 shares. As a result, the balance amount of the stock in the stock accumulation investment stored in the wallet balance storage means 42 changes from the state of FIG. 14 (C) to the state of FIG. 14 (D).

  After that, the wallet balance update means 29 outputs the stock accumulation investment outgoing data out of the paired incoming and outgoing data (see FIG. 14B; however, since FIG. 14B shows the state of the trading system 50 side, This is sent to the reserve balance management system 20 side and is used as the linked outgoing data, and the wallet with the lowest sales priority (unit) stored in the wallet balance storage means 42 (see FIG. 14D) is used. A process is executed for subtracting the number of issues in the issue data from the balance quantity of the issue of the stock accumulation investment of the wallet that has reached a multiple of the number of shares.

  In the example of FIG. 14, from the 100 shares of the balance quantity of the wallet with the lowest selling priority (wallet management number = “000003”) stored in the wallet balance storage unit 42 shown in FIG. The number of outgoing goods (see FIG. 14 (B)) is reduced to 100 shares (see FIG. 14 (E)).

  Further, the wallet balance update means 29 uses the stock data of the domestic stock in the stock data of the pair (see FIG. 14 (A); however, since FIG. 14 (A) shows the state of the trading system 50 side, Is transmitted to the reserve balance management system 20), the amount of receipt of the receipt data is added to the balance amount of the issue of the domestic stock of the domestic stock of the wallet with the lowest selling priority, or Alternatively, when the record to be added does not exist in the wallet balance storage means 42 (see FIG. 14E), a record including the issue identification information of the issue whose product category is a domestic stock and the number of stocks is created. Execute the process.

  In the example of FIG. 14, there is no record in the wallet balance storage means 42 (see FIG. 14E) including the balance quantity of the relevant stock μ of the domestic stock in the main account, and therefore the account identification information (main account number = K (Yamato Kikuko), account type classification = main account, issue identification information (product category = domestic stock, relevant issue μ), and record containing stock = 100 shares (see Fig. 14 (A)) It is stored in the wallet balance storage means 42 (see FIG. 14 (F)).

  <Flow of data processing at the time of non-funded wallet balance correction processing: FIG. 15>

  In the example of FIG. 15, the non-funded wallet balance correction process is performed on the balance amount of the issue λ of the domestic stock in the main account held by Daiwa Kosuke (main account number = L). As shown in FIG. 15A, the customer balance storage means 66 of the trading system 50 stores, in the main account held by Kosuke Daiwa (main account number = L), the balance quantity of the domestic stock brand λ in the main account = 10,000 shares. Is stored. Since the trading system 50 does not perform balance management in wallets, the record stored in the customer balance storage means 66 does not include a wallet management number.

  On the other hand, as shown in FIG. 15D, the wallet balance storage means 42 of the reserve balance management system 20 stores the main account held by Kosuke Daiwa (main account number = L) in the wallet with the wallet management number = “000001”. Domestic stock λ has a balance of 3,000 shares, and a wallet that is not eligible for funding with a wallet control number of “999999” is assigned to Daiwa Kosuke (main account number = L). The balance quantity of the brand λ is 7,000 shares. Since the total is 10,000 shares, it matches the balance quantity of the customer balance storage means 66 of the trading system 50 shown in FIG.

  In such a state, it is assumed that the trading system 50 has processed the balance amount of the customer balance storage means 66 shown in FIG. Then, as shown in FIG. 15 (B), the balance quantity of the customer balance storage means 66 is 10,000 shares−5,000 shares = 5,000 shares.

  However, since the trade data of the execution correction is not the subject of data linkage from the trading system 50 to the reserve balance management system 20, the balance between the trading system 50 and the reserve balance management system 20 is not changed. It will not be in the state.

  Therefore, a non-funded wallet balance correction process for correcting the balance quantity of the non-funded wallet (wallet management number = “999999”) stored in the wallet balance storage means 42 (see FIG. 15D) is executed. First, the customer balance (5,000 shares) after execution of the contract correction stored in the customer balance storage means 66 shown in FIG. Is transmitted to the reserve balance management system 20 via the. In the reserve balance management system 20, the customer balance (5,000 shares) transmitted from the trading system 50 is received by the wallet balance update means 29. When transmitting and receiving the customer balance, the form of account identification information is different between the trading system 50 as the transmitting side and the reserve balance management system 20 as the receiving side. The conversion process in the form of account identification information is executed by the balance linking means 56 or the wallet balance updating means 29 of the reserve balance management system 20. In the present embodiment, the above-mentioned form [2] is converted into the form [1].

  Next, the wallet balance updating unit 29 converts all the wallets (funding targets) stored in the wallet balance storage unit 42 (see FIG. 15D) from the customer balance (5,000 shares) received from the trading system 50. Outside wallet is not included.) By subtracting the total amount of the balance amount of the non-funded wallet, the corrected amount of the balance amount of the non-funded wallet is calculated. In the example of FIG. 15, the total amount of balances of all wallets (not including non-funded wallets) is only 3,000 shares belonging to the wallet with the wallet management number = “000001”. The corrected amount is the customer balance (5,000 shares) −the total amount of all wallet balances (3,000 shares) = 2,000 shares.

  As a result, the balance amount of the non-funded wallet (wallet management number = “999999”) stored in the wallet balance storage unit 42 is changed from the 7,000 shares before the correction (see FIG. 15D) to the after-correction. Is 2,000 shares (see FIG. 15 (E)). After the balance of the non-funded wallet is corrected, the domestic stock brand λ of the main account held by Daiwa Kosuke (main account number = L) stored in the wallet balance storage means 42 (see FIG. 15E). Is 3,000 + 2,000 = 5,000, and therefore, after the contract correction stored in the customer balance storage means 66 of the trading system 50 shown in FIG. Match the balance quantity of.

  As described above, the amount after the balance correction of the non-funded wallet is equal to the customer balance (5,000 shares) −the total amount of the balance amounts of all wallets (3,000 shares) = 2,000 shares, and is 0 or more. If the quantity is equal to, the correction processing is terminated by the automatic correction. On the other hand, in the following cases, the correction process is not completed only by the automatic correction, and the balance quantity needs to be changed.

  That is, it is assumed that the trading system 50 has processed -8,000 shares by executing a contract correction on the balance quantity of the customer balance storage means 66 shown in FIG. Then, as shown in FIG. 15C, the balance quantity of the customer balance storage means 66 is 20,000 shares = 10,000-8,000 shares.

  At this time, the balance is inconsistent between the trading system 50 and the reserve management system 20 because it is the same as the case where the execution of -5,000 shares is corrected as described above. Even when the execution of 8,000 shares is corrected, the non-funded wallet balance correction process is executed.

  First, in the case where a contract correction of -8,000 shares has been made, the customer balance transmitted from the trading system 50 is 2,000 shares (see FIG. 15C). Next, from the customer balance (2,000 shares) received from the trading system 50, all wallets stored in the wallet balance storage means 42 (see FIG. 15D) (excluding non-funded wallets). If the total quantity (3,000 shares) of the balance quantity is reduced, the corrected quantity of the balance quantity of the non-funded wallet will be -1,000 shares (see FIG. 15 (F)).

  Even in this case, the total quantity of the balance quantity of the domestic stock brand λ of the main account held by Kowa Daiwa (main account number = L) stored in the wallet balance storage means 42 (see FIG. 15F) is: Since 3,000 shares + (-1,000 shares) = 2,000 shares, formally, the contract correction stored in the customer balance storage means 66 of the trading system 50 shown in FIG. It matches the later balance quantity. However, since only the balance amount of the non-funded wallet is set to a negative value and the matching is performed, in this case, the correction process does not end only by the automatic correction, and the balance amount needs to be manually changed. This change in the balance amount can be performed by the balance moving means 23, and the balance is moved from the wallet to the non-reserved wallet so that the balance amount of the non-reserved wallet does not become negative.

  <Overall flow of processing by the reserve system 10: FIGS. 16, 5, and 6>

  In the present embodiment, the purchase system 10, purchase and execution of a financial instrument for the reserve investment of the customer, and update of the balance are performed by the reserve system 10 as described below. In particular, in the reserve balance management system 20, , The balance is managed in units of wallets.

  In FIG. 16, first, the customer or his / her input agent operates the terminal device 80 to input the purpose of the funding and the target amount, to register the funding condition, to register the wallet setting such as the attribution of the balance, and to register the setting. The information is stored in the wallet storage unit 41 (see FIG. 2), the wallet balance storage unit 42 (see FIG. 3), and the reserve condition storage unit 43 (see FIG. 4). This process is executed by the wallet registration unit 21.

  Then, the funding condition linking means 25 changes the communication condition of the funding condition whose purchase date has arrived among the funding conditions stored in the funding condition storage means 43 (see FIG. 4) daily (before every business day). The information is transmitted to the trading system 50 via the Internet (step S1). Note that not only the funding conditions for which the purchase date has arrived but also all funding conditions may be transmitted.

  Subsequently, in the trading system 50, the order receiving / creating means 51 receives the funding condition transmitted from the funding balance management system 20 by the funding condition linking means 25 (step S2), and receives the received funding condition (purchase date). The order data (including the account identification information, the brand identification information, the quantity, and the trade category) for the purchase order is created using the funding condition that has arrived, and the created order data is stored in the order data storage means 61. It is stored (step S3).

  Subsequently, the order / contract processing means 52 executes the purchase processing of the financial product using the order data stored in the order data storage means 61, and executes the contract data (account identification information, A contract process is executed to store the contract identification information, the contract amount, and the delivery amount of the purchased brand in the contract data storage means 62 (see FIG. 5) (step S4). At this time, the order / contract processing means 52 creates purchase order data (including account identification information, brand identification information, quantity, and trading category) for financial products that need to be placed on the market. Executing the purchase process for transmitting to the market system 71 via the communication line 4, receiving the contract data transmitted from the market system 71 via the communication line 4, and storing the received contract data in the contract data storage means. A contract process stored in the storage unit 62 (see FIG. 5) is executed.

  On the other hand, in the reserve balance management system 20, the reserve schedule information creating means 26 uses the reserve condition whose purchase date has arrived among the reserve conditions stored in the reserve condition storage means 43 (see FIG. 4) to obtain the purchase amount. , And the funding schedule information including the issue identification information for the purchased issue, and the created funding schedule information, the account identification information for the account for managing the balance of the purchased issue, and the status indicating the purchase status It is stored in the funding schedule information storage means 44 (see FIG. 5) in association with the wallet management number of the wallet to which the balance of the purchased brand of the account belongs (step S5).

  For example, as shown in FIG. 5B, the funding condition for which the purchase date (1st of every month) has arrived is one for each of three wallets of wallet management number = “000001”, “000002”, and “000003”. It is assumed that they are set one by one. If the purchase according to the funding conditions has not been performed even once, as shown in FIG. 5A, the evaluation amount of each wallet is 0 yen, and the achievement rate is 0%. At this time, the funding schedule information created by the funding schedule information creating means 26 looks like each record shown in FIG. The status of each record is “unprocessed”.

  Then, in the trading system 50, the contract data linking means 53 causes the contract data stored in the contract data storage means 62 (see FIG. 5) (however, in this case, the reserve investment handled by the reserve balance management system 20 can be a target of reserve investment). Is transmitted to the reserve balance management system 20 via the communication line 2 (step S6).

  In the reserve balance management system 20, the contract data extracting unit 28 receives the contract data transmitted from the trading system 50 via the communication line 2, and receives the received contract data and the reserve schedule information storage unit 44 (FIG. 5 ( C) (see C), the status is compared with the funding schedule information whose status is not "contracted" ("unprocessed"), and account identification information, brand identification information, and Extract the contract data whose amount (delivered amount of contract data and purchase amount of reserve plan information) matches the compared reserve plan information, and add the wallet management number corresponding to the matched reserve plan information to the extracted contract data. It is stored in the contracted data extraction result storage means 46 (see FIG. 6) and stored in the reserve schedule information storage means 44 (see FIG. 5C). The corresponding status, executes a process of changing from "unprocessed" to "contract completed" (step S7).

  Further, the contract data extracting means 28 includes, among the contract data received from the trading system 50, the account identification information, the brand, and the like in the funding plan information stored in the funding plan information storage means 44 (see FIG. 5C). For the contract data for which there is no funding schedule information in which the identification information and the amount (the delivery amount of the contract data and the purchase amount of the funding schedule information) match, the contract data includes the wallet management number (== "999999") is added and stored in the contracted data extraction result storage means 46 (see FIG. 6) (step S7).

  In the example of FIG. 5, the contract data of the investment trust shown in FIG. 5 (D) (however, FIG. 5 (D) is a state stored in the contract data storage means 62 of the trading system 50, and the account identification The contract data of the record in the first row of the information form is the state before conversion of the information form. The contract data of the record in the first row stored in the funding schedule information storage means 44 (see FIG. 5C) , The wallet management number = “000001” of the funding plan information is added to the contracted data extraction result storage means 46 (refer to the record on the first line in FIG. 6F). It is memorized.

  The contract data of the record in the second line of the contract data of the investment trust shown in FIG. 5D is stored in the second line stored in the funding schedule information storage means 44 (see FIG. 5C). Since it matches the funding schedule information of the second record, the wallet management number = “000002” of the funding schedule information is added, and the contracted data extraction result storage means 46 (the record in the second line of FIG. 6F) Reference).

  Further, the execution data of the cumulative stock investment shown in FIG. 5 (E) matches the accumulation schedule information of the record on the third line stored in the accumulation schedule information storage means 44 (see FIG. 5 (C)). Therefore, the wallet management number of the funding schedule information = “000003” is added and stored in the contracted data extraction result storage means 46 (see FIG. 6 (G)).

  However, the contract data of the record in the third line of the contract data of the investment trust shown in FIG. 5D is the same as that of each record stored in the funding schedule information storage means 44 (see FIG. 5C). There is no matching funding schedule information in the funding schedule information. Therefore, the wallet management number = “999999” for the non-funded wallet is added and stored in the contracted data extraction result storage means 46 (see the record on the third line in FIG. 6F). This contract data is not the contract data of the purchase order according to the funding conditions, but is, for example, contract data by a single purchase. Note that, even when belonging to the non-funded wallet, the balance can be assigned to each wallet later by the operation of moving the balance by the balance moving means 23.

  Subsequently, in the trading system 50, the entry / exit statement creation unit 54 uses entry / exit data (combination of entry data and exit data) using the right information (information such as corporate actions) stored in the right information storage unit 63. ) Is created, and the created entry / exit data (including the item number, account identification information, brand identification information, transaction type and quantity pertaining to entry / exit) is stored in the entry / exit data storage means 65 (FIG. 11, FIG. 12, FIG. 13 (step S8).

  The entry / exit statement creation unit 54 creates entry / exit data (combination of entry data and exit data) using the information on unit share transfer stored in the unit share transfer information storage unit 64, and creates the input / output data. The delivery data (including the statement number, account identification information, brand identification information, transaction type and quantity related to entry / exit) is stored in the entry / exit data storage means 65 (see FIG. 14) (step S8).

  Then, the entry / exit data linking means 55 transmits the entry / exit data stored in the entry / exit data storage means 65 (see FIGS. 11 to 14) to the reserve balance management system 20 via the communication line 2 (step). S9).

  In the reserved balance management system 20, the incoming / outgoing wallet apportioning means 30 receives incoming / outgoing data transmitted from the trading system 50 via the communication line 2 and stores the received incoming / outgoing data into each of the wallets (to the non-funded wallet). If there is a balance, it is apportioned to each wallet and a non-funded wallet), and the apportioned incoming / outgoing warehouse data is stored in the incoming / outgoing wallet apportioning result storage means 47 (FIGS. 11 to 13) (step S10). Since the apportioning process has been described in detail with reference to FIGS. 11 to 13, the detailed description is omitted here.

  Further, the unit stock transfer means 31 receives incoming / outgoing data transmitted from the trading system 50 via the communication line 2 and uses the received incoming / outgoing data to obtain the unit stock of the stock purchased by the cumulative stock investment. In order to transfer the quantity corresponding to the multiple to the quantity of the relevant domestic stock, the balance transfer processing for unit share transfer is performed in which the quantity corresponding to the multiple of the unit stock is collected in one wallet (step). S10). Since the balance transfer process for unit stock transfer has been described in detail with reference to FIG. 14, detailed description thereof will be omitted here.

  Then, the wallet balance updating means 29, the wallet management number is added by the contract data extracting means 28, and the contract data stored in the contract data extraction result storing means 46 (see FIGS. 6 (F) and 6 (G)). Among the records stored in the wallet balance storage means 42 (see FIG. 3), the balance of the record in which the record of the contract data matches the wallet management number, account identification information, and brand identification information. A wallet balance update process for adding the contract data of the contract data to the quantity is executed (step S11).

  In the example of FIG. 6, the wallet balance storage unit 42 (FIG. 6) uses the record of the execution data in the first line of the investment trust stored in the execution data extraction result storage unit 46 (see FIG. 6F). (1) Update the balance quantity of the record in the first row stored in (1). Since it was the first purchase, the contract amount (see FIG. 6 (F)) is the updated balance amount (see FIG. 6 (I)).

  Further, the wallet balance storage means 42 (see FIG. 6 (I)) is used by using the record of the execution data in the second line of the investment trust stored in the execution data extraction result storage means 46 (see FIG. 6 (F)). )), The balance quantity of the record in the second row is updated. Since it was the first purchase, the contract amount (see FIG. 6 (F)) is the updated balance amount (see FIG. 6 (I)).

  Further, using the record of the execution data of the cumulative stock investment stored in the execution data extraction result storage means 46 (see FIG. 6G), the wallet balance storage means 42 (see FIG. 6I) uses the record. Is updated in the third line of the record. Since it was the first purchase, the contract amount (see FIG. 6 (G)) is the updated balance amount (see FIG. 6 (I)).

  The wallet balance storage means 42 (see FIG. 6 (I)) uses the record of the execution data in the third line of the investment trust stored in the contract data extraction result storage means 46 (see FIG. 6 (F)). )), The balance quantity of the record in the fourth row is updated. Since it was the first purchase, the contract amount (see FIG. 6 (F)) is the updated balance amount (see FIG. 6 (I)).

  Then, after the above-described balance update, when the calculation processing of the evaluation amount and the achievement rate is performed by the evaluation amount calculation unit 24, the wallet storage unit 41 is in the state of FIG. Since it was the first purchase, the transfer amount (see FIGS. 6 (F) and 6 (G)) is the valuation amount (see FIG. 6 (H)).

  Also, the apportioned entry / exit data stored in the entry / exit wallet apportioning result storage means 47 (see FIGS. 11, 12, and 13) which is apportioned by the entry / exit wallet apportioning means 30 by the wallet balance updating means 29. , The process of updating the balance of each wallet is also executed (step S11). Since this balance updating process has been described in detail with reference to FIGS. 11, 12, and 13, a detailed description thereof will be omitted.

  Further, when the balance transfer process for unit share transfer by the unit share transfer unit 31 is executed by the wallet balance update unit 29, the purchase is performed by the cumulative stock investment using the stock data of domestic stock and the stock issue data of the stock cumulative investment. Also, a unit share transfer process for transferring the quantity corresponding to a multiple of the unit share of the issue to the quantity of the issue of domestic stock is executed (step S11). Since the details of the unit stock transfer process have been described in detail with reference to FIG. 14, the detailed description will be omitted here.

  Thereafter, in the trading system 50, the customer balance linking means 56 stores the customer balance data (including account identification information, brand identification information, and balance quantity) stored in the customer balance storage means 66 (see FIG. 15). It transmits to the reserve balance management system 20 via the communication line 2 (step S12).

  In the reserve balance management system 20, the wallet balance updating means 29 calculates the wallet from the balance amount of each brand of the customer received from the trading system 50 via the communication line 2 in a unit in which the account identification information and the brand identification information match. By reducing the total amount of the balances of all the wallets (excluding the non-funded wallet) stored in the balance storage means 42, the corrected amount of the balance of the non-funded wallet is calculated, Using the calculated corrected amount, a non-funded wallet balance correction process for correcting the balance amount of the non-funded wallet stored in the wallet balance storage means 42 is executed (step S13). The details of the non-funded wallet balance correction process have been described in detail with reference to FIG.

  <Effect of this embodiment>

  According to this embodiment, there are the following effects. That is, in the reserve balance management system 20, the reserve conditions (including the purchase date, the purchase amount, and the purchase brand) are determined along with the account for managing the balance of the purchase brand and the wallet set by the customer for each reserve purpose. The information is stored in the accumulation condition storage means 43 (see FIG. 4) in association with the wallet management number. Also, the balance amount of the purchased brand is managed in association with the wallet together with the balance management account, and the information is stored in the wallet balance storage means 42 (see FIG. 3) in association with the wallet management number. Is done. Therefore, the balance amount of each issue of the financial product to be funded is indicated by the wallet control number, the account identification information below it, and the issue identification information below it (Wallet management number> account identification information> issue identification information). It is in a state of being associated and managed. The wallet set for each funding purpose can be set across a plurality of accounts, and the balance of a plurality of brands can be managed in each account.

  For this reason, while maintaining the conventional balance management mode of the account and the brand (the account> brand) whose balance is managed by the account, the balance management is performed by the wallet unit using a plurality of accounts while maintaining the conventional balance management mode. Can be performed, so that the balance can be managed according to the purpose of the customer's intended funding. Therefore, the customer does not need to perform complicated balance management across a plurality of accounts by himself / herself. Therefore, compared to the related art, the investment plan for each purpose becomes easier, and asset formation by investment can be easily performed.

  Further, by setting a wallet, balance management across a plurality of accounts can be performed, so that balance management exceeding the limit existing in each account (each service) can be performed. For example, NISA accounts have a fixed annual tax-exempt limit, so the amount that can be set aside is limited. However, if the balance of the NISA account and the balance of accounts other than the NISA account are combined and set as one wallet balance for one certain funding purpose, balance management exceeding the limit of the NISA account can be performed. It can be carried out.

  In addition, since the reserve balance management system 20 can input the reserve purpose and the target amount of each wallet, calculate the evaluation amount and achievement rate of each wallet, and display the screen, the customer can use the reserve purpose for each wallet. If the target amount of the reserve is set, the degree of achievement with respect to the setting can be easily confirmed by referring to the evaluation amount and the achievement rate of the wallet unit displayed on the screen. For this reason, conventionally, it is possible to save the trouble of summing up the valuation amounts of the accumulated assets by themselves for the accumulated assets that have been distributed to a plurality of accounts, thereby reducing the trouble of the customer's own balance management, Investment planning by purpose and asset formation by investment can be performed even more easily.

  In addition, since the reserve balance management system 20 includes the reserve schedule information creating unit 26, the reserve schedule information storage unit 44 (see FIG. 5C), the reserve condition coordination unit 25, and the contract data extraction unit 28, The purchase / contract process and the balance update process of each wallet can be performed while performing data cooperation with the trading system 50 that executes the process of each account in the system. For this reason, it is possible to perform the processing on a wallet basis while utilizing the main functions of the existing system, so that it is possible to realize the balance management of the funded assets according to the funding purpose.

  Further, since the reserve balance management system 20 includes the reserve schedule information deleting unit 27, the reserve schedule information that has not coincided with the contract data transmitted from the trading system 50 for a certain period of time is stored in the reserve schedule information storage unit 44. (See FIG. 5C). Thereby, for example, in the trading system 50, in the case where the purchase order was not actually executed due to lack of reserve or the like, or in the case where the purchase order was not executed, the record including the funding schedule information related to the purchase However, such a situation can be avoided. However, since such a situation can be avoided, it is possible to link the latest funding schedule information with contract data as much as possible.

  And since the reserve balance management system 20 is provided with the balance transfer means 23, it is possible to adjust the arrival time of each wallet to the target amount and the degree of achievement by moving the balance between each wallet ( 8 and 9). For example, with respect to a wallet that wants to arrive at the target amount earlier, by moving the balance from another wallet, the target amount can be reached earlier than before the transfer.

  Further, since the balance transfer means 23 is configured to be able to transfer the balance including the non-funded wallet, not only the balance transfer between the wallets but also the balance transfer between the non-funded wallet and the wallet. It can be carried out. For this reason, among the execution data received from the trading system 50, the funding schedule information storing means 44 (see FIG. 5C) does not have the funding schedule information in which the account identification information, the brand identification information, and the amount match. It is also possible to temporarily attribute the contract data to the non-rewardable wallet, and then move the balance of the contract data from the non-reservation-target wallet to the wallet by the balance moving means 23.

  Further, since the wallet registration means 21 is configured to be able to execute the funding condition moving process (see FIG. 10), by moving the funding condition between the wallets, the arrival speed of each wallet to the target amount can be reduced. It can be easily adjusted. For example, for a wallet that wants to arrive at the target amount earlier, by moving the accumulation condition from another wallet, it is possible to reach the target amount at a higher speed than before moving.

  And since the reserve balance management system 20 is provided with the incoming / outgoing wallet apportioning means 30, the incoming / outgoing data accompanying the corporate action such as the stock split, the incoming / outgoing data accompanying the inter-account balance transfer process and the brand change process are respectively stored. A process of apportioning the wallet can be performed (see FIGS. 11 to 13). Therefore, when performing a corporate action such as a stock split, a balance transfer process between accounts, or a brand change process, the content of the process performed in the trading system 50 not in units of a wallet but in units of an account of a conventional system is described by a reserve balance management system. Since this can be reflected in each of the 20 wallets, the balance between the reserve balance management system 20 and the trading system 50 can be maintained.

  At this time, in the inter-account balance transfer processing and the brand change processing, the processing is performed from the outgoing data, and the information is taken over to the incoming data processing. Since the corresponding record does not exist in the wallet balance storage means 42 (see FIG. 3), the incoming data cannot be apportioned, and the balance (the number of incoming goods) belongs to the non-funded wallet. Inconvenience can be avoided.

  In addition, since the reserve balance management system 20 is provided with the unit stock transfer means 31, when the unit stock transfer is performed when the balance quantity of the stock purchased by the stock accumulation investment reaches the unit stock quantity, the trading system is used. In step 50, the processing performed in the conventional account unit instead of the wallet unit can be reflected in each wallet of the reserve balance management system 20, so that the balance between the reserve balance management system 20 and the buying and selling system 50 can be reflected. Consistency can be maintained.

  Further, since the wallet balance updating means 29 can perform a wallet balance correction process which is not a funding target (see FIG. 15), for example, among the transactions processed on the trading system 50 side, such as contract correction, etc. Regarding the transaction to be excluded from the import on the balance management system 20, the balance of the wallet is not updated, and the balance between the reserve balance management system 20 and the trading system 50 cannot be matched. Thus, the state of the mismatch can be eliminated.

  [Deformation form]

  It should be noted that the present invention is not limited to the above-described embodiment, and modifications and the like within a range that can achieve the object of the present invention are included in the present invention.

  For example, in the above-described embodiment, the trading system 50 that performs processing in units of accounts in the conventional system and the reserve balance management system 20 that performs processing in units of wallets perform data cooperation. May be a system that performs not only registration of funding conditions and balance management but also processing on a wallet basis including purchase / contract processing. However, from the viewpoint of effective use of the existing system, the existence of customers who do not need to set up a wallet for each purpose of funding, and a smooth transition to balance management on a wallet basis, it is linked to the existing core system, the trading system 50. It is preferable to adopt a configuration in which these are performed.

  In the above-described embodiment, the balance transfer unit 23 is configured to select the source brand and the destination wallet from the list, as shown in FIG. The operation is not limited to this, and may be, for example, an icon drag and drop operation. Specifically, for example, the balance quantity of each brand in each account is iconified (the account, brand, and balance are displayed on the icon), and an area or icon corresponding to each wallet is formed on the screen. Alternatively, the icon indicating the balance of the brand to be moved may be moved from the area of the wallet currently belonging to the area of the destination wallet or the like by a drag operation, and operations such as dropping may be performed. .

  Further, the same applies to the transfer of the funding condition by the wallet registration means 21. The funding condition is iconified (account, purchase date, purchase brand, and purchase price are displayed on the icon), and the funding condition is displayed. The icon to be displayed may be moved from the area of the currently attached wallet or the like to the area of the destination wallet or the like by a drag operation, and operations such as dropping may be performed.

  In addition, when the funding conditions are moved, a function is also provided to move the balance amount corresponding to the funding conditions (the balance amount of the brand to be funded by the purchase in accordance with the funding conditions). May be linked with the movement of the object.

  As described above, the funded balance management system and program of the present invention are suitable for use in, for example, funding investment in financial products such as investment trusts, cumulative stock investments, defined contribution pensions, and commodities.

DESCRIPTION OF SYMBOLS 1 Network which is a communication line 2 Communication line 20 Reservation balance management system 21 Wallet registration means 22 Wallet information display means 23 Balance transfer means 24 Evaluation amount calculation means 25 Reservation condition cooperation means 26 Reservation schedule information creation means 27 Reservation schedule information deletion means 28 Execution data extraction means 29 Wallet balance update 30 Entry / exit wallet apportioning means 31 Unit stock transfer means 41 Wallet storage means 42 Wallet balance storage means 43 Reservation condition storage means 44 Reservation schedule information storage means 45 Financial product information storage means 50 Trading system 80 Terminal apparatus

Claims (13)

A funded balance management system configured by a computer that executes a process of managing a funded balance by a funded investment that repeats the purchase of a financial instrument to be invested,
When there are multiple types of funded investment services to be provided to customers, and a balance management account is provided for each service, from a terminal device operated by the customer or its input agent, via a communication line, Wallet registration means for executing processing for receiving input of setting registration information for a wallet set for each customer's funding purpose and settable across a plurality of accounts;
The setting registration information received by the wallet registration means includes a purchase date when purchasing a financial product to be invested, a purchase amount, and a funding condition including brand identification information on the purchased brand; Funding condition storage means for storing account identification information for an account for balance management in association with a wallet management number for the wallet to which the balance of the purchased brand of the account belongs,
As the setting registration information received by the wallet registration means, the brand identification information and the balance quantity of the customer's holding brand, and the account identification information of the account for managing the balance of the holding brand, the holding brand of the account Wallet balance storage means for storing in association with a wallet management number for the wallet to which the balance of
The constant amount of the purchase brand of the account purchased according to the funding condition stored in the funding condition storage means, the wallet management number and account identification information associated with the funding condition in the funding condition storage means, and Wallet balance updating means for executing a wallet balance updating process for adding to a customer's holding issue balance quantity stored in the wallet balance storage means in association with the issue identification information of the purchased issue. A reserve balance management system characterized by the following. The wallet registration means,
As a setting registration information for the wallet, a process is also performed for receiving an input of a funding purpose and a funding target amount for each wallet,
Financial instrument information storage means for storing information including a unit price or a base price of each issue of the financial instrument in association with issue identification information,
Using the balance amount of each issue held in each account stored in the wallet balance storage means, and the unit price or reference price of each issue stored in the financial instrument information storage means, it is associated with the same wallet management number. By calculating and adding each valuation amount for the balance amount of each stock held in each account, the valuation amount calculation process of calculating the valuation amount for each wallet is executed, or the valuation amount calculation process is performed. In addition, by dividing the calculated valuation amount for each wallet by the target amount for each wallet received by the wallet registration means, an valuation amount calculation for executing an achievement ratio calculation process for calculating an achievement ratio for each wallet is performed. Means,
The funding purpose and target amount for each wallet received by the wallet registration unit, the valuation amount for each wallet calculated by the valuation amount calculation unit, or the valuation amount in addition to the funding purpose, target amount, and valuation amount Wallet storage means for storing the achievement rate for each wallet calculated by the calculation means in association with a wallet management number or in association with a wallet management number and customer identification information;
The funding purpose, the target amount, the evaluation amount, or display data for displaying the achievement rate on a screen for each wallet stored in the wallet storage means via a communication line in addition to the above. 2. The fund management system according to claim 1, further comprising: a wallet information display unit that executes a process of transmitting to the terminal device. Using the funding condition for which the purchase date has arrived among the funding conditions stored in the funding condition storage means, a process of creating funding schedule information including a purchase amount and brand identification information on the purchased brand. Funding schedule information creating means to be executed;
The funding schedule information created by the funding schedule information creating means, the account identification information for the account for managing the balance of the purchased brand, and the status indicating the purchase status are attributed to the balance of the purchased brand in the account. Funding schedule information storage means for storing in association with a wallet management number for the wallet;
The funding condition stored in the funding condition storage means or the funding condition of which the purchase date has arrived out of the funding condition, and the account identification information of the account for managing the balance of the purchased brand, the communication line. Through a funding condition linking means for executing a process of transmitting to a financial product trading system that does not perform the process of the wallet unit;
The contract data received from the trading system via a communication line is received, and the received contract data and the status of the funding schedule information stored in the funding schedule information storage means, the status of which has not been executed. Comparing with the funding schedule information, extracting the contract data whose account identification information, brand identification information, and amount match the compared funding schedule information, and corresponding to the extracted contract data and the matching funding schedule information. A contract data extraction means for executing a process of adding a wallet management number and changing a status corresponding to the matched funding schedule information to a contracted state,
The wallet balance updating means,
3. The reserve balance management system according to claim 1, wherein the wallet balance update process is performed using the contract data to which a wallet management number is added by the contract data extraction unit. 4.   4. A funding schedule information deleting means for executing a process of deleting from the funding schedule information storage means the funding schedule information whose status is not settled for a predetermined period. Reserved balance management system.   From the terminal device, via a communication line, all or a part of the balance of the customer's holdings belonging to the wallet, accepts input by a customer or an input agent thereof for moving to another wallet, In the case of the transfer, the wallet management number stored in the wallet balance storage means in association with the issue identification information and the account identification information of the issue to be moved, and the wallet management number for the destination wallet In the case of some transfers, the transfer target quantity is calculated from the balance quantity stored in the wallet balance storage means in association with the issue identification information and the account identification information of the issue to be moved. At the same time, the same issue identification information and the same issue identification information as the issue A balance transfer means for executing a process of storing the same account identification information and the quantity to be transferred in the wallet balance storage means in association with a wallet management number of the destination wallet. Item 5. The fund management system according to any one of Items 1 to 4. The wallet balance storage means,
It is configured to also store a record for a non-funded wallet set for each customer in order to manage a balance not to be attributed to any of the wallets among the balances of financial instruments to be funded,
The wallet balance updating means,
In the processing by the contract data extraction means, among the contract data received from the trading system via a communication line, the account identification information, the brand identification information, and the reserve schedule information in which the amounts match are stored in the reserve schedule information storage means. For the contract data that did not exist, the wallet balance number is stored in the wallet balance storage unit in association with the wallet management number of the non-funded wallet,
From the terminal device, via a communication line, all or a part of the balance of the customer's stock belonging to the non-reserved wallet is transferred to the wallet, or the customer's stock belonging to the wallet. Accepts input by a customer or its input agent for transferring all or part of the balance to another wallet or the non-funded wallet, and in the case of all transfers, The wallet management number stored in the wallet balance storage means in association with the brand identification information and the account identification information is changed to the wallet management number for the destination wallet or the non-funded wallet, and a part of the transfer is performed. In the case of, the information associated with the issue identifier and account Subtracting the quantity for the transfer target from the balance quantity stored in the wallet balance storage means, and the same issue identification information and the same account identification information as the issue identification information and the account identification information for the issue to be shifted the balance; A balance moving means for executing a process of storing a quantity to be moved in the wallet balance storing means in association with a wallet management number of the destination wallet or the non-funded wallet. The fund management system according to claim 3. The wallet registration means,
From the terminal device, via a communication line, accept all or a part of the reserve conditions belonging to the wallet, an input by a customer or an input agent for moving the wallet to another wallet, and in the case of all the movements The wallet management number stored in the funding condition storage means in association with the funding condition to be moved is changed to a wallet management number for the destination wallet, and in the case of partial movement, The transfer date is subtracted from the purchase price stored in the reserve condition storage means as the transfer target reserve condition, and the purchase date and the same purchase date as the brand identification information included in the transfer target reserve condition are included. And the same brand identification information, the newly established funding conditions including the amount to be transferred, and the same account identification information as the account identification information corresponding to the funding conditions to be transferred. 7 is also configured to execute a funding condition transfer process of storing the funding condition storage means in association with a wallet management number of the destination wallet. Of the reserve balance management system. Regardless of the trading of financial products, when a transaction occurs due to a change in corporate action or other rights information, account identification information and brand identification can be obtained from a financial product trading system that does not perform processing on a wallet basis. Information, quantity, and incoming and outgoing data including a detailed number for data identification are received via a communication line, and the incoming and outgoing incoming and outgoing data is distributed to each wallet. ,
This entry and exit wallet apportioning means,
When executing a stock splitting process to split stocks for the customer's stocks stored in the wallet balance storage means,
From the trading system, account identification information, issue identification information, among the quantities, as the entry and exit data of a pair in which only the quantity differs according to the split ratio, account identification information, issue identification information on the issue to be split, Receiving receipt data including the number of receipts after the stock split, and receipt data including account identification information, issue identification information on the issue to be split, issue quantity before the stock split,
Among the balance quantities of the brands held by the customer stored in the wallet balance storage means, the apportionment ratio consisting of the ratio between the respective balance quantities of the record in which the paired entry / exit data and the account identification information and the brand identification information match each other is By distributing the number of receipts of the receipt data, the receipt data is apportioned to each wallet, and by using the same apportionment ratio, the exit quantity of the receipt data is apportioned to distribute the receipt data. Is apportioned to each wallet,
The wallet balance updating means,
When the stock split processing by the entry and exit wallet apportioning means is executed,
To the balance quantity of the brand to be split used for calculating the apportionment ratio stored in the wallet balance storage means, add the number of receipts of each receipt data after apportionment to each wallet, and add The system according to any one of claims 1 to 7, wherein a process of reducing the number of outgoings of each outgoing data is also executed. Regardless of the trading of financial products, when a transaction occurs due to a change in corporate action or other rights information, account identification information and brand identification can be obtained from a financial product trading system that does not perform processing on a wallet basis. Information, quantity, and incoming and outgoing data including a detailed number for data identification are received via a communication line, and the incoming and outgoing incoming and outgoing data is distributed to each wallet. ,
This entry and exit wallet apportioning means,
When executing an inter-account balance transfer process for transferring the balance amount between accounts for the customer's holdings stored in the wallet balance storage means,
Among the input / output data received from the trading system, among the account identification information, issue identification information, and quantity, as entry / exit data of a pair in which only account identification information is different, account identification information after transfer, issue identification Information, receipt data including the number of receipts, and account identification information, brand identification information, and dispatch data including the number of dispatches before transfer are extracted. For the extracted receipt data, the item number of the extracted receipt data is extracted. And add
As the processing on the issue data side, the ratio between the respective balance quantities of the records in which the issue data matches the account identification information and the issue identification information among the balance quantities of the customer's stocks stored in the wallet balance storage means. By using the apportionment ratio consisting of: apportioning the outgoing quantity of the outgoing data, the outgoing data was apportioned to each wallet, and each outgoing data obtained by apportionment was used to calculate the apportioning ratio. Execute the process of adding the wallet management number of each record including each balance quantity,
Thereafter, as a process on the receipt data side, each delivery data of the pair after the distribution is specified by using the detailed number of the delivery data added to the receipt data, and added to each of the specified distribution data after the distribution. The wallet management number is used as a wallet management number when distributing the incoming data to each wallet, and the number of outgoing items of each specified outgoing data after distributing is set as the number of incoming of each incoming data after apportioning. Is configured to execute
The wallet balance updating means,
When the inter-account balance transfer process is executed by the entry / exit wallet apportioning means,
The number of issues of each issue data after apportionment to each wallet is stored in the wallet balance storage means in association with the wallet management number added to each issue data, and with account identification information and brand identification information matching each issue data. Either subtract from the stored customer's stock balance quantity or delete the record containing this balance quantity,
The quantity of receipt of each receipt data after apportioning to each wallet, the wallet management number obtained from each receipt data of the pair, and the wallet balance associated with the account identification information and brand identification information that matches each receipt data, Add to the balance quantity of the customer's stocks stored in the storage means, or when the record to be added does not exist in the wallet balance storage means, these wallet management number, account identification information and brand identification information, The fund management system according to any one of claims 1 to 8, wherein a process for creating a record including the number of incoming goods of each incoming data after apportionment is also executed. Regardless of the trading of financial products, when a transaction occurs due to a change in corporate action or other rights information, account identification information and brand identification can be obtained from a financial product trading system that does not perform processing on a wallet basis. Information, quantity, and incoming and outgoing data including a detailed number for data identification are received via a communication line, and the incoming and outgoing incoming and outgoing data is distributed to each wallet. ,
This entry and exit wallet apportioning means,
When executing a brand change process of changing brand identification information for a customer's holding brand stored in the wallet balance storage means,
Among the entry / exit data received from the trading system, among the account identification information, issue identification information, and quantity, as entry / exit data of a pair in which only the issue identification information is different, the account identification information, the issue identification after the change. Information, receipt data including the number of receipts, and account identification information, brand identification information before change, and exit data including the number of exits are extracted, and for the extracted receipt data, the item numbers of the extracted exit data are extracted. And add
As the processing on the issue data side, the ratio between the respective balance quantities of the records in which the issue data matches the account identification information and the issue identification information among the balance quantities of the customer's stocks stored in the wallet balance storage means. By using the apportionment ratio consisting of: apportioning the outgoing quantity of the outgoing data, the outgoing data was apportioned to each wallet, and each outgoing data obtained by apportionment was used to calculate the apportioning ratio. Execute the process of adding the wallet management number of each record including each balance quantity,
Thereafter, as a process on the receipt data side, each delivery data of the pair after the distribution is specified by using the detailed number of the delivery data added to the receipt data, and added to each of the specified distribution data after the distribution. The wallet management number is used as a wallet management number when distributing the incoming data to each wallet, and the number of outgoing items of each specified outgoing data after distributing is set as the number of incoming of each incoming data after apportioning. Is configured to execute
The wallet balance updating means,
When the brand change process is executed by the entry / exit wallet apportioning means,
The number of issues of each issue data after apportionment to each wallet is stored in the wallet balance storage means in association with the wallet management number added to each issue data, and with account identification information and brand identification information matching each issue data. Either subtract from the stored customer's stock balance quantity or delete the record containing this balance quantity,
The quantity of receipt of each receipt data after apportioning to each wallet, the wallet management number obtained from each receipt data of the pair, and the wallet balance associated with the account identification information and brand identification information that matches each receipt data, Add to the balance quantity of the customer's stocks stored in the storage means, or when the record to be added does not exist in the wallet balance storage means, these wallet management number, account identification information and brand identification information, The fund management system according to any one of claims 1 to 9, wherein a process for creating a record including the number of incoming pieces of each piece of incoming data after apportionment is also executed. When the total number of balances of each wallet for a brand purchased by the cumulative stock investment among the brands held by the customer stored in the wallet balance storage unit reaches the number of unit shares, the processing in units of the wallet is performed. From the financial product trading system that does not perform, receiving account entry and exit data including account identification information, brand identification information, and quantity via a communication line, and using the received entry and exit data received, to buy with cumulative stock investment In order to transfer the quantity equivalent to a multiple of the unit share of the relevant issue to the quantity of the relevant domestic stock, the balance for the unit share transfer is to collect the quantity equivalent to the multiple of the unit share in one wallet. A unit share transfer means for executing a transfer process;
This unit share transfer means
From the trading system, among the account identification information, brand identification information, and quantity, as the entry / exit data of a pair in which only the product category constituting the brand identification information is different, the account identification information and the product category were domestic stocks. Receiving the issue identification data of the issue, the receipt data including the number of receipts, and the account identification information, the issue identification information of the issue for which the product category is a stock accumulation investment, and the issue data including the quantity of issue,
Regarding the balance quantity of the issue of the stock accumulation investment stored in the wallet balance storage means, according to the sale priority of each wallet determined by a predetermined rule, the balance quantity of the issue of the wallet with the lowest sale priority is In order to make up for the shortfall in reaching the number of issues in the issue data corresponding to a multiple of the unit stock, the highest priority is given to the wallet with the highest sale priority, in order from the balance quantity of the issue. By moving to the balance quantity of the issue in the lower wallet, the balance quantity of the issue in the wallet with the lowest sales priority reaches a multiple of the unit stock,
The wallet balance updating means,
When executing the balance transfer process for unit share transfer by the unit share transfer means,
Using the outgoing data of the pair of incoming and outgoing data, from the balance amount of the issue of the stock accumulation investment of the lowest selling priority wallet that has reached a multiple of unit shares, the number of the issue data, While reducing the number of issues,
Using the incoming data of the incoming / outgoing data of the pair, adding the incoming quantity of the incoming data to the balance quantity of the issue of the domestic stock of the lowest-selling priority wallet, or an object to be added When there is no record in the wallet balance storage means, a process of creating a record including the issue identification information of the issue whose product category is a domestic stock and the number of receipts is also performed. The funded balance management system according to any one of claims 1 to 10. The wallet balance storage means,
It is configured to also store a record for a non-funded wallet set for each customer in order to manage a balance not to be attributed to any of the wallets among the balances of financial instruments to be funded,
The wallet balance updating means,
In the processing by the contract data extraction means, among the contract data received from the trading system via a communication line, the account identification information, the brand identification information, and the reserve schedule information in which the amounts match are stored in the reserve schedule information storage means. For the contract data that did not exist, a process of storing the data in the wallet balance storage unit in association with the wallet management number of the non-funded wallet,
Further, using the execution data received from the trading system via a communication line, the balance quantity of all of the wallets and the non-funded wallets of the customer stored in the wallet balance storage means was updated. later,
In the unit where the account identification information and the brand identification information match, the balances of all the wallets stored in the wallet balance storage means are obtained from the balance quantity of each brand of the customer received from the trading system via the communication line. By reducing the total amount of the wallet, the corrected amount of the unreserved wallet balance amount is calculated, and using the calculated corrected amount, the reserving object stored in the wallet balance storage unit is calculated. 7. The reserve balance management system according to claim 3, wherein the reserve balance management system is configured to execute a non-reserveable wallet balance correction process for correcting a balance amount of an outer wallet.   A program for causing a computer to function as the reserve balance management system according to claim 1.

Images