JP2021082213A - Asset operation system and program - Google Patents

Abstract

To provide an asset operation system which can eliminate or shorten a time difference between sales processing and purchase processing when purchasing another stock at another stock company by sales proceeds of a sell order.SOLUTION: An asset operation system 10 is constituted by arranging; asset information acquisition means 23 for acquiring asset information from a plurality of financial institution systems; order creation means 24 for creating order data of a purchase order with a sell order and sales proceeds obtained by the sell order as purchase funds; adjustment information creation means 25 for determining the adaptability of contribution by an adjustment bank system 50N using the sell order and order data of a purchase order, and deciding an adjustment period from a payment date or the like of purchase availability proceeding appropriation funds up to a delivery date or the like of sales proceeds of the sell order, and a contribution amount by the adjustment bank system 50N; and operation processing means 27 for transmitting adjustment information including the contribution amount to the adjustment bank system 50N.SELECTED DRAWING: Figure 1

Description

The present invention relates to an asset management system and program composed of a computer that performs a process of providing an asset management service including buying and selling of financial instruments to a customer, for example, an advance sell order and a sale price obtained from this sell order. Contribution of funds for advance allocation of purchase capacity to the purchase order execution agency when conducting continuous orders, rebalancing, regular purchases, rebalancing with regular cashing, etc. consisting of subsequent purchase orders using By doing so, it can be used when providing a purchase capacity adjustment service that adjusts the purchase capacity of a customer across multiple securities company systems.

In recent years, the financial industry has been working on an open API (Application Programming Interface). APIs by banks are efforts that enable data linkage between each bank and various service providers (external businesses). By disclosing the connection specifications to the financial institution system to the service provider and allowing the service provider who has signed a contract in advance to access the financial institution system, the service provider other than the financial institution cooperates with the financial institution. It will be possible to provide highly convenient and advanced financial services. If this open API is extended to the entire securities and financial industry including each securities company, it will be possible to provide a wider range of financial services. In the following, financial services refer to services that include not only banks but also securities companies, and financial institutions, financial institution systems, etc. include securities companies, securities company systems, etc.

Open API is a mechanism for authenticating with OAuth2.0, for example. In data linkage with OAuth2.0 authentication, the end user (customer) does not have to leave the login ID and password to the service provider (external business operator). Since the service provider who provides the service he / she wants to use is given permission for data linkage through the financial institution system, secure data linkage can be realized.

APIs used for financial services are roughly classified into reference / inquiry APIs and update / execution APIs. The former reference / inquiry API includes, for example, stock price / exchange rate information inquiry, store / ATM (Automatic Teller Machine) location, interest rate / fee inquiry, point inquiry, card billing amount inquiry, account information. There are APIs that handle inquiries, account balance inquiries, deposit / withdrawal details inquiries, KYC (identity verification: Know Your Customer), AML (money laundering measures: Anti-Money Laundering) related information, etc. In addition, the latter update / execution API includes, for example, store visit reservation, loan simulation, account opening, notifications (address change, etc.), stock trading instructions, investment trust purchase instructions, insurance product purchase instructions, fund transfer (transfer, transfer, etc.). There is an API that handles transfers, withdrawals, etc.).

Further, as a system related to the present invention from the viewpoint of performing processing across a plurality of securities company systems (financial institution systems), for example, a plurality of systems without depositing the authentication information of each financial institution with a third-party institution. A client aggregation system is known in which information on various financial assets owned by individuals or companies distributed among asset management institutions can be viewed as a list from a user terminal (see Patent Document 1). Further, there is known a securities trading system that performs processing across a plurality of financial institutions by an intermediary server (see Patent Document 2).

Japanese Unexamined Patent Publication No. 2004-133879 Publication of Patent No. 4481754

As described above, the open API makes it possible to easily carry out transactions across a plurality of financial institutions, and to provide highly convenient and advanced financial services. However, the open API is only an interface for data linkage, and the internal processing of each financial institution does not change. Therefore, when a service provider (external business operator) implements a new service, each financial institution The existing processing contents executed inside the system will be used. In other words, there will be restrictions on using the existing services provided by each financial institution, and it is necessary to implement new services within the limits. Therefore, by linking data with an open API, even if a new service that simply crosses a plurality of financial institution systems is provided, the effect of introducing the open API cannot always be fully exerted.

For example, when transferring stocks of financial products such as investment trusts and stocks, usually all or part of the stocks held are sold and the proceeds of the sale are used to purchase the stocks after the transfer. It will be used for the funds. In this case, if the preceding sell order and the subsequent buy order are executed by different securities companies, first, the investor has opened an account at another securities company, so that the assets and surplus capacity are available. Management must be done by the investor himself. In order to realize such management, investors will collect information on their own assets from each financial institution, but in an open API environment, multiple service providers (external businesses) will collect information. If it becomes easier to collect and process investor asset information from financial institutions, it will be possible to provide services that will reduce the burden on investors. Therefore, in this respect, the effect of introducing the open API can be exhibited.

Next, when the preceding sell order and the subsequent buy order are executed by the same securities company, the process of allocating the sale price to the purchase funds is usually a transfer of funds within the same securities company. Can process a buy order once the sell order is filled, without having to wait for the delivery date of the sell price of the sell order. Depending on the agreement of the securities company, it may be possible to process the buy order even before the sell order is executed. Therefore, within the same securities company, it is possible to secure the purchase capacity required to execute the desired purchase order at an early stage. However, if the sale processing and the purchase processing are performed by different securities companies, the securities company that executed the preceding sell order waits for the delivery date of the sale price, and the sale price obtained there is used as the subsequent buy order. It is necessary to carry out the fund transfer process to deposit as purchase funds to the securities company that executes the above. Therefore, in the case of straddling multiple securities companies, it is difficult to secure the purchase capacity at an early stage, except in special cases where the securities company that serves as the purchase order execution agency has sufficient cash. In other words, even if the open API is introduced, it will be used as it is without changing the internal processing procedure of the securities company system that executes subsequent buy orders, so there are restrictions on the processing of the securities company system. Will receive. For this reason, it is not possible to secure the necessary purchase capacity and perform the purchase process on the day before the delivery date of the sale price of the sell order, and there is a considerable time difference between the sale process and the purchase process. Since it will occur, unfavorable situations may occur due to price fluctuations of financial products during that period. For example, at the time of deciding between the issue to be sold and the issue to be purchased, it was decided to sell the issue α and purchase the issue β, but on the day when the purchase process is performed, another combination (for example, from the issue γ to the issue δ). It is possible that the transfer to) was better. In addition, due to the passage of time from the time of determination of rebalancing, a situation may occur in which the state after rebalancing does not match the desired target portfolio (target portfolio to be maintained). Therefore, in order to avoid the occurrence of such a situation as much as possible, it is desirable to shorten the time difference between the sale processing and the purchase processing as much as possible.

In addition, the problem of time lag caused by performing such sale processing and purchase processing at different securities companies is not limited to the environment of open API (for example, authentication by OAuth 2.0, etc.), but is not limited to the conventional ID. The same can be said when authenticating with a password.

An object of the present invention is an asset management system capable of eliminating or shortening the time lag between the sale process and the purchase process when a different securities company purchases another issue based on the sale price of the sell order. It is in the place of offering the program.

<Basic configuration of the present invention>

The present invention is an asset management system composed of a computer that executes a process of providing an asset management service including buying and selling of financial products to a customer.
A customer's financial product over a network from each of multiple financial institution systems, including multiple securities company systems, using customer identification information for each financial institution or tokens or other alternative information to replace these customer identification information. Asset information acquisition means that executes the process of acquiring asset information related to the holding and fluctuation of assets including
The asset information acquired by this asset information acquisition means is output to the user terminal to accept the input of the buy / sell order of the financial product by the customer or its input agent, or the input of the buy / sell order of the financial product is received in advance and the setting information storage means. The customer holds the trading setting information stored in the store, or uses the acquired asset information and the setting information previously input by the customer or its input agent and stored in the setting information storage means. Order data including stock identification information, amount or quantity of the preceding sell order for a financial instrument, and securities company identification information indicating the sell order execution agency, and subsequent use of the sale price obtained from this sell order as purchase funds. An order creation means that executes the process of creating order data including the brand identification information, amount or quantity of the buy order, and the securities company identification information indicating the buy order execution agency.
Using the sell and buy order order data created by this order creation means, multiple securities, including determining whether or not the sell and buy order execution processing is performed across multiple securities company systems. As a purchase capacity adjustment service that adjusts the purchase capacity of customers across the company system, it is determined whether or not the contribution is necessary by the adjustment bank system that contributes the funds for the advance allocation of the purchase capacity, and it is determined that the contribution is necessary. In such a case, the amount of contribution by the adjustment banking system, and the adjustment period from the date of payment to the purchase order execution agency or the day before the payment date to the delivery date of the sale price of the sell order or the day after the delivery date. Adjustment information creation means that executes the process of determining
If it is determined that contribution is required by this adjustment information creation means, the network is provided to the adjustment banking system by using the customer identification information for the adjustment banking system or tokens or other alternative information in lieu of this customer identification information. It is characterized by being provided with an operation processing means for executing an operation process including a contribution process for transmitting adjustment information including a contribution amount determined by the adjustment information creation means via the means.

Here, the “financial product” includes, for example, investment trusts, stocks, bonds, various financial derivative products, and the like.

In addition, "holding" in "asset information on asset holdings and fluctuations" in "asset information acquisition means" refers to information indicating a state such as a balance, and "fluctuation" refers to a state such as buying and selling or deposits and withdrawals. Refers to information about processes and actions that bring about change.

Further, "whether to accept the input of the buy / sell order of the financial product" in the "order creation means" is a case where the order data is immediately created and the order process is executed after the input is accepted. "Whether to use the trading setting information stored in the setting information storage means by accepting the input of the buying and selling order of the financial product in advance" is not to execute the order processing immediately after receiving the input, but to order the order. As a reservation, this is a case where the trading setting information required for creating the order data is stored, and the order data is created later to execute the order processing. The order by this reservation may be an order executed on the day specified by the customer (included in the trading setting information), or it is an arrangement that can be ordered only on a fixed day such as the end of the month or the first business day of the month. (For example, when an order to be executed on October 1 is reserved in September). "Using the acquired asset information and the setting information that has been input in advance by the customer or its input agent and stored in the setting information storage means" is, for example, a portfolio of interest used in a rebalancing process that is performed regularly. This is a case where setting information that is repeatedly used is registered, and order data is created by performing arithmetic processing using the setting information and the acquired asset information, and the order processing is executed. ..

In addition, the "advanced sell order" and "subsequent buy order" in the "order making means" do not contribute the funds for the advance allocation of the purchase reserve by the adjustment bank system in the purchase reserve adjustment service of the present invention. Since it refers to "sell order" and "buy order" that must be in that order in some cases, "preceding sell order" means a sell order that should be preceded in the past, and "subsequent buy order". Means a subsequent buy order in the past. Therefore, when the adjustment bank system in the purchase capacity adjustment service of the present invention contributes the funds for the advance allocation of the purchase capacity, the sell order and the buy order do not necessarily have to be staggered in time. , May be sent to each securities company at the same time or almost at the same time on the same day, or the contribution processing of the funds for advance allocation of reserve capacity by the adjustment bank system (of the funds for advance allocation of purchase capacity to the purchase order execution agency) As long as payment) has been made, the purchase process can be executed, so the order data (order instruction information) for the "advance sell order" and "subsequent buy order" can be sent to each securities company. , May be done in reverse order. That is, on the premise that the contribution processing has been performed in advance, the "subsequent buy order" may be processed earlier than the "preceding sell order". Of course, in the same order of "preceding" and "successor" as before, the time and date of the same day are staggered, and the "preceding sell order" and "subsequent buy order" are sent to each securities company. Order data (order instruction information) may be transmitted.

Furthermore, in the "Adjustment information creation means", "Adjustment period from the date of payment to the purchase order execution agency for the contribution amount or the day before the payment date to the delivery date of the sale price of the sell order or the day after the delivery date" On the day before the payment date, in order to execute the buy order, it is necessary to deposit the funds for advance allocation of the purchase capacity to the purchase order execution organization, but due to the timing of system processing, the day before (the day before) This is because if the contribution from the adjustment banking system is not made on the previous business day (including the meaning of the previous business day), it may not be treated as the payment on the desired date as the payment date of the funds for advance allocation of the purchase capacity. In addition, on the "day after the delivery date", when the sale price is applied to the refund of the contribution amount, the sale price received on the delivery date may be applied to the refund on the same day due to the timing of system processing. This is because it may not be possible and the refund may be treated as the next day (including the meaning of the next business day). The convenience of the timing of the system processing is, for example, the convenience of being executed in the nighttime batch processing.

In such an asset management system of the present invention, the adjustment period and the contribution amount from the adjustment bank system are determined by the adjustment information creation means, and the purchase capacity is preceded by the adjustment bank system based on the determined adjustment period and the contribution amount. Since it is possible to contribute funds for appropriation, it is possible to provide a purchase capacity adjustment service that adjusts the purchase capacity of a customer across a plurality of securities company systems.

At this time, since the adjustment period is the period from the deposit date of the funds for advance allocation of the purchase capacity or the day before the deposit date to the delivery date of the sale price of the sell order or the day after the delivery date, the customer places the sell order. On the day before the delivery date of the sale price, it is possible to deposit the contribution amount as the funds for the advance allocation of the purchase capacity to the securities company that executes the purchase order, and after the delivery, the contribution amount will be the sale price. It is also possible to refund. Therefore, when the sale processing and the purchase processing are performed by another securities company, the purchase processing can be performed without waiting for the delivery date of the sale price. Alternatively, it can be shortened, and it is possible to avoid or suppress the occurrence of inconvenience caused by the time difference between the sale processing and the purchase processing.

Further, since the asset information acquisition means is provided, it is possible to save the trouble of asset management by the customer, and the above-mentioned purpose is achieved by these.

Then, in the above configuration, the operation management including the timing of transmitting the instruction information for deposit / withdrawal including the sell order, the buy order, and the contribution by the adjustment bank system to each financial institution system is automatically performed by the automatic drafting. It may be performed by the customer's own operation and management, but from the viewpoint of reducing the burden of customer operation and management, operation management information including transmission timing is created by automatic drafting as follows. However, it is desirable to have a configuration that executes operation processing. The automatic drafting referred to here includes the automatic creation of operation management information and the automatic execution of operation processing based on the created operation management information.

<Configuration with operation management information creation means and operation management information storage means>

In addition, in the asset management system described above,
If it is determined by the adjustment information creation means that contribution is necessary, the sell order and buy order order data created by the order creation means, and the adjustment period and adjustment amount determined by the adjustment information creation means are used to sell. Sell order management information including sell order instruction information for executing an order and transmission timing / destination information of this sell order instruction information, buy order instruction information for executing a buy order, and transmission timing of this buy order instruction information.・ Purchase order management information including destination information, remittance instruction information for contribution to deposit the contribution amount as funds for advance allocation of purchase capacity, and remittance for refund to refund the contribution amount by the sale price It is equipped with an operation management information creation means that creates deposit / withdrawal management information including instruction information and each transmission timing / destination information of these transfer instruction information, and executes a process of storing the operation management information storage means.
The operation processing means is
According to the sell order management information, buy order management information, and deposit / withdrawal management information created by the operation management information creation means, the securities company system that serves as the sell order execution agency, the securities company system that serves as the buy order execution agency, and the coordinating bank. Between the system and multiple financial institution systems, including banking systems, including registered banking systems for deposits and withdrawals between customers and securities firms, customer identification information for each financial institution or tokens or other alternatives to these customer identification information. It is configured to execute operation processing including transmission of sell order instruction information, buy order instruction information, and remittance instruction information via the network using the alternative information of.
At this time, the operation processing means is
If it is determined by the adjustment information creation means that contribution is necessary, as an operational process,
According to the transmission timing / destination information of the sell order management information stored in the operation management information storage means, the sell order instruction information is transmitted to the securities company system that executes the sell order via the network.
According to the transmission timing and destination information of the deposit / withdrawal management information stored in the operation management information storage means, the amount of contribution to the securities company that executes the buy order on the day before the delivery date of the sale price of the sell order is deposited. Contribution processing that sends remittance instruction information for contributions to be made to the coordinating banking system over the network,
According to the transmission timing / destination information of the buy order management information stored in the operation management information storage means, the buy order instruction information is transmitted to the securities company system that executes the buy order via the network, and the buy order processing.
According to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means, the sale price will be refunded to the adjustment bank system on the delivery date of the sale price of the sell order or the day after the delivery date. A configuration that executes refund processing that sends remittance instruction information for refund to the registered bank system where the sale price was withdrawn and / or the securities company system that executed the sell order via the network. It is desirable that it is said.

Here, in the "contribution processing" of the "operation processing" executed by the "operation processing means", the amount of contribution to the securities company that executes the buy order on the day before the delivery date of the sale price of the sell order. "Information on remittance instructions for contributions to ensure that payments are made" is for the advance allocation of purchase capacity to the securities company that executes the purchase order on the day before the delivery date of the sale price. The purpose is that the amount of contribution as funds should be deposited. Therefore, it suffices if the condition that the deposit date of the funds for advance allocation of the purchase capacity is earlier than the delivery date of the sale price is satisfied, and the purchase capacity is the transmission date of the remittance instruction information for contribution. It may be the same day as the deposit date of the advance allocation funds, or it may be the day before the deposit date of the advance allocation funds (including the meaning of the previous business day) for the convenience of system processing.

In addition, in the "refund processing" of the "operation processing" executed by the "operation processing means", the "refund to the adjustment banking system by the selling price on the delivery date of the sale price of the sell order or the day after the delivery date" is performed. The "remittance instruction information for refund" is stated as long as the sale price is refunded to the adjustment banking system on the delivery date of the sale price of the sell order or the day after the delivery date. The purpose. Therefore, as long as the condition that the completion date of the refund is the delivery date of the sale price or the next day (including the meaning of the next business day) is satisfied, the sale price is also the transmission date of the remittance instruction information for refund. It may be the same day as the delivery date of, or the day after the delivery date of the sale price (including the meaning of the next business day).

When the configuration is provided with the operation management information creation means and the operation management information storage means in this way, the operation management information is automatically created and the operation process is automatically executed based on the created operation management information. Therefore, the burden of customer operation and management can be reduced.

<Structure for rebalancing>

Further, in the configuration provided with the operation management information creation means and the operation management information storage means described above,
The setting information storage means stores the target portfolio used in the rebalancing process that is repeatedly executed as the setting information.
The order creation method is
Set the total amount of the valuation amount of each issue that constitutes the portfolio at the time of acquisition based on the asset information acquired by the asset information acquisition means and the valuation amount of each issue at the time of acquisition according to the target portfolio stored in the information storage means. Based on the difference between the amount of each issue and the amount of each issue, the issue and amount or quantity to be sold, the securities company that executes the sell order, the issue and amount or quantity to be purchased, and the securities company that executes the buy order are determined. It may be configured to execute the rebalancing process for creating the order data of the sell order and the buy order.

Here, the "repeatedly executed rebalancing process" includes a rebalancing process that is periodically executed and a rebalancing process that is executed irregularly. In the former case, it is executed at a predetermined time such as the end of every month, and in the latter case, it is irregular, for example, under certain conditions (for example, the Nikkei average compared to the previous month). In the case of execution in a month that meets the conditions based on such financial indicators) or a month instructed by the customer (not a month preset by the customer, but a month instructed by the customer to execute based on the situation judgment at that time). is there. The same applies to other inventions.

In addition, the "target portfolio" may be a target portfolio according to the investment style selected by the customer from a plurality of investment styles prepared in advance by the service provider, and asset management by a fund manager or the like based on the customer's request. It may be a portfolio of purpose set by an expert of the above, or a portfolio of purpose set by the customer. The same applies to the following inventions.

Further, in the "rebalancing process" by the "order creation means", the order data of the sell order may be created for a plurality of issues, and the order data of the buy order may be created for the plurality of issues. At this time, the delivery date of the sale price of each sell order may be the same day or may be dispersed on multiple days. In addition, the payment date of the purchase funds of the purchase order (the date on which the necessary purchase capacity should be secured) may be the same day, and may be dispersed on multiple days. If the delivery date of the sale price or the payment date of the purchase funds is dispersed, and if the payment date of at least one purchase fund is earlier than the delivery date of at least one sale price, the adjustment bank Since there is room for contribution by the system, it may be determined that contribution is necessary by the adjustment information creation means. The same applies to the following inventions.

In the configuration of performing rebalancing in this way, it is possible to receive the purchase reserve capacity adjustment service at each rebalancing while repeating the rebalancing. Therefore, even when a trading transaction for rebalancing is carried out across a plurality of securities companies, the time difference between the selling process and the purchasing process in the rebalancing can be eliminated or shortened. Furthermore, it will be possible to realize appropriate asset management in line with the target portfolio.

<Structure for rebalancing with an increase in operating funds>

In addition, in the configuration provided with the operation management information creation means and the operation management information storage means described above,
The setting information storage means stores, as setting information, the target portfolio used in the rebalancing process that is repeatedly executed, and the increased amount when the rebalancing process is performed together with the increase in the operating funds.
The order creation method is
The valuation amount of each issue that constitutes the portfolio at the time of acquisition based on the asset information acquired by the asset information acquisition means and the total amount of the valuation amount of each issue at the time of acquisition plus the increased amount are stored in the set information storage means. The stock and amount or quantity to be sold, the securities company that executes the sell order, and the stock and amount or quantity to be purchased, and the buy order are executed by the difference between the amount and the amount of each stock allocated according to the target portfolio. It is configured to determine the securities company to be used and execute the rebalancing process to create order data for sell and buy orders.
The means of creating operation management information is
As deposit / withdrawal management information, remittance instruction information for raising an increased amount for depositing an increased amount to be applied to the purchase funds to a securities company that executes a purchase order, and transmission timing / destination information of this remittance instruction information are created. , It is configured to execute the process of storing in the operation management information storage means.
The operation processing means is
As an operation process, the amount is increased to the securities company that executes the buy order on the day before the delivery date of the sale price of the sell order according to the transmission timing and destination information of the deposit / withdrawal management information stored in the operation management information storage means. It is also possible to execute the increase amount procurement process of transmitting the remittance instruction information for raising the increase amount to the bank system that withdraws the increase amount via the network so that the amount can be deposited.

Here, in the "increased amount procurement processing" of the "operation processing" executed by the "operation processing means", "to the securities company that executes the buy order on the day before the delivery date of the sale price of the sell order". The "remittance instruction information for raising the increased amount to ensure that the increased amount is deposited" is the purchase to the securities company that executes the buy order on the day before the delivery date of the sale price. The purpose is that the increased amount to be applied to the funds should be deposited. Therefore, as long as the condition that the payment date of the purchase funds is earlier than the delivery date of the sale price is satisfied, the payment of the purchase funds will be made on the transmission date of the remittance instruction information for raising the increased amount. It may be the same day as the day, or it may be the day before the deposit date of the purchase funds (including the meaning of the previous business day) for the convenience of system processing.

In the case of rebalancing with an increase in operating funds in this way, the purchase capacity adjustment service will be provided at each rebalancing while repeating the rebalancing with an increase in operating funds. Is possible. For this reason, even when a trading transaction for rebalancing that involves an increase in investment funds is carried out across multiple securities companies, the time difference between the sale processing and the purchase processing in the rebalancing is eliminated or shortened. Therefore, it is possible to realize appropriate asset management in line with the target portfolio.

<Structure for rebalancing with reduction of operating funds>

In addition, in the configuration provided with the operation management information creation means and the operation management information storage means described above,
The setting information storage means stores, as setting information, the target portfolio used in the rebalancing process that is repeatedly executed, and the reduction amount when the rebalancing process is performed together with the reduction of the operating funds.
The order creation method is
The valuation amount of each issue that constitutes the portfolio at the time of acquisition based on the asset information acquired by the asset information acquisition means and the amount obtained by subtracting the reduction amount from the total amount of the valuation amount of each issue at the time of acquisition are stored in the set information storage means. The stock and amount or quantity to be sold, the securities company that executes the sell order, and the stock and amount or quantity to be purchased, and the buy order are executed by the difference between the amount and the amount of each stock allocated according to the target portfolio. It may be configured to determine the securities company to be used and execute the rebalancing process to create the order data of the sell order and the buy order.

In the case of a configuration that involves a reduction in operating funds in this way, the purchase capacity adjustment service will be provided at each rebalancing while repeating the rebalancing that accompanies the reduction in operating funds. Is possible. For this reason, even when a trading transaction for rebalancing that involves a reduction in investment funds is carried out across multiple securities companies, the time difference between the sale processing and the purchase processing in the rebalancing is eliminated or shortened. Therefore, it is possible to realize appropriate asset management in line with the target portfolio. In addition, since the desired conversion amount can be repeatedly received, it is possible to continuously transfer funds to other uses.

The conversion amount is usually obtained from a part of the sale price obtained in the sale process (the amount of the sale price that is not applied to the refund of the contribution amount deposited as the funds for advance allocation of the purchase capacity). Is withdrawn to the customer's registered banking system. At this time, if the sale is processed by a plurality of securities companies, the withdrawal destination of the sale price may be distributed to a plurality of registered bank systems. Therefore, in such a case, the process of concentrating the exchange amount in one bank system (the bank system of the exchange amount transfer destination designated by the customer) may be performed as follows.

That is, as described above, in the configuration of performing rebalancing accompanied by a reduction in operating funds,
The means of creating operation management information is
As deposit / withdrawal management information, remittance instruction information for transfer of the exchange amount for transferring the exchange amount based on the sale price obtained in the sell order and transmission timing / destination information of this remittance instruction information are created, and operation management information storage means. It is configured to execute the process of storing in
The operation processing means is
As an operation process, according to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means, the bank of the transfer destination of the exchange amount by the sale price on the delivery date of the sale price of the sell order or the day after the delivery date. The remittance instruction information for the transfer of the exchange amount to enable the transfer of the exchange amount to the system was executed by the registered bank system where the sale price was withdrawn via the network and / or the execution process of the sell order. The conversion amount transfer process to be transmitted to the securities company system may also be executed.

Here, in the "exchange amount transfer process" of the "operation process" executed by the "operation processing means", the "exchange amount transfer destination by the sale price on the delivery date of the sale price of the sell order or the day after the delivery date" The "remittance instruction information for transfer of the exchange amount to enable the transfer of the exchange amount to the bank system" is the exchange amount on the delivery date of the sale price of the sell order or the day after the delivery date. The purpose is that the exchange amount should be transferred to the bank system of the transfer destination. Therefore, it is sufficient that the condition that the completion date of the transfer of the redemption amount is the delivery date of the sale price or the next day (including the meaning of the next business day) is satisfied, and therefore, the transmission date of the remittance instruction information for the redemption amount transfer. May be the same day as the delivery date of the sale price, or the day after the delivery date of the sale price (including the meaning of the next business day).

<Structure in which the amount contributed by the coordinating banking system is made part of the funds for advance allocation of reserve capacity for purchase, and the self-procured amount is made part of the remaining funds for advance allocation of reserve capacity for purchase>

Then, in the configuration provided with the operation management information creation means and the operation management information storage means described above,
The means of acquiring asset information is
As asset information, the customer's cash balance and / or money reserved fund balance is acquired from each of the multiple securities company systems via the network, and the customer's savings deposit is obtained from at least one bank system via the network. It is configured to execute the process of acquiring the balance,
The means for creating adjustment information is
The amount of cash balance or money reserved fund balance of the securities company acquired by the asset information acquisition means, or the balance of the ordinary deposit of the bank, which is temporarily used as the funds for advance allocation of the purchase capacity, is used as the self-raised amount and purchased. It is configured to execute the process of determining the amount of contribution by subtracting this self-raised amount from the total amount of reserve funds for advance allocation.
The means of creating operation management information is
As deposit / withdrawal management information, remittance instruction information for contributions for depositing the amount of contribution as part of the funds for advance allocation of purchase capacity to the securities company that executes the purchase order, and the transmission timing / destination of this remittance instruction information In addition to the information, the remittance instruction information for self-procurement for depositing the self-procured amount as a part of the funds for advance allocation of the purchase capacity, and the transmission timing / destination information of this remittance instruction information are created.
In addition to the remittance instruction information for refund and the transmission timing / destination information of this remittance instruction information to allocate a part of the sale price withdrawn from the securities company that executed the sell order to the refund of the contribution amount, the sale price Remittance instruction information for returning the self-raised amount to return the remaining part of the self-raised amount to the bank or securities company that became the financial institution, and the transmission timing / destination information of this remittance instruction information It is configured to execute the process of storing in the operation management information storage means.
The operation processing means is
Sell order processing to send sell order instruction information, and
Contribution processing to send remittance instruction information for contribution,
In addition to this contribution processing, according to the transmission timing and destination information of the deposit / withdrawal management information stored in the operation management information storage means, to the securities company that executes the buy order on the day before the delivery date of the sale price of the sell order. The self-procurement process of sending the remittance instruction information for self-procurement to the bank system or the securities company system that is the source financial institution of the procurement fund via the network so that the self-procurement amount can be deposited.
Buy order processing to send buy order instruction information and
Refund processing to send remittance instruction information for refund, and
In addition to this refund processing, according to the transmission timing and destination information of the deposit / withdrawal management information stored in the operation management information storage means, the financing of the source of funds raised by the sale price on the delivery date of the sale price of the sell order or the day after the delivery date. Remittance instruction information for self-raised amount refund to allow the self-raised amount to be returned to the institution, registered bank system where the sale price was withdrawn via the network and / or execution processing of the sell order It may be configured to execute the self-financed amount refund process to be transmitted to the securities company system.

Here, in the "self-procurement processing" of the "operation processing" executed by the "operation processing means", "the self to the securities company that executes the buy order on the day before the delivery date of the sale price of the sell order". "Information on remittance instructions for self-procurement so that the proceeds can be deposited" is the purchase capacity of the securities company that executes the purchase order on the day before the delivery date of the sale price. The purpose is that the self-procured amount as the advance allocation fund should be deposited. Therefore, it suffices if the condition that the payment date of the funds for advance allocation of the purchase capacity is earlier than the delivery date of the sale price is satisfied. It may be the same day as the deposit date of the funds for advance allocation of surplus capacity, or it may be the day before the deposit date of the funds for advance allocation of reserve capacity (including the meaning of the previous business day) for the convenience of system processing.

In addition, in the "self-procured amount refund processing" of the "operation processing" executed by the "operation processing means", the "funding source financial institution raised by the sale price on the delivery date of the sale price of the sell order or the day after the delivery date" "Information on remittance instructions for returning the self-raised amount to ensure that the self-raised amount is returned to" is the funds raised on the delivery date of the sale price of the sell order or the day after the delivery date. The purpose is that the amount of self-raised funds should be returned to the source financial institution. Therefore, it is sufficient that the condition that the completion date of the return of the self-procured amount is the delivery date of the sale price or the next day (including the meaning of the next business day) is satisfied. The remittance date may be the same day as the delivery date of the sale price, or the day after the delivery date of the sale price (including the meaning of the next business day).

In this way, if the contribution amount from the adjustment banking system is made a part of the funds for advance allocation of the purchase capacity and the self-procured amount is made a part of the remaining funds for the advance allocation of the purchase capacity, the contribution is made. Since the amount can be reduced, it is possible to reduce the amount paid by the customer for the purchase capacity adjustment service when the system is such that the usage fee for the purchase capacity adjustment service changes according to the amount of contribution. It becomes.

<Structure that allows cancellation or correction of orders>

In addition, in the configuration provided with the operation management information creation means and the operation management information storage means described above,
The order creation method is
It is configured to execute a process of accepting at least one input of cancellation of pre-filled sell and buy orders or correction of amount or quantity reduction by the customer.
The means for creating adjustment information is
During the adjustment period, if the order creation method accepts an input for cancellation, the contribution amount will be changed to zero, and if an input for correction of the amount or quantity reduction is accepted, the corrected amount or quantity will be changed. It is configured to use to execute the process of reducing the contribution amount.
The means of creating operation management information is
If the cancellation input is accepted by the order creation method,
As the sell order management information, the sell order cancellation instruction information for canceling the sell order and the transmission timing / destination information of this sell order cancellation instruction information are created.
As the buy order management information, the buy order cancellation instruction information for canceling the buy order and the transmission timing / destination information of this buy order cancellation instruction information are created.
As deposit / withdrawal management information, remittance instruction information for cancellation refund and remittance instruction information for refunding the contribution amount deposited as funds for advance allocation of purchase capacity to the securities company that executes the purchase order earlier than planned Create timing / destination information and
If the order creation method accepts a correction for a reduction in amount or quantity,
As sell order management information, create sell order correction instruction information for correcting sell orders and transmission timing / destination information of this sell order correction instruction information.
As the buy order management information, the buy order correction instruction information for correcting the buy order and the transmission timing / destination information of this buy order correction instruction information are created.
As deposit / withdrawal management information, remittance instruction information for correction refund and this remittance instruction to refund the reduced amount of contribution amount deposited as funds for advance allocation of purchase capacity to the securities company that executes the purchase order earlier than planned It is configured to create the information transmission timing and destination information and also execute the process of storing it in the operation management information storage means.
The operation processing means is
If the cancellation input is accepted by the order creation means, as an operation process,
According to the transmission timing / destination information of the sell order management information stored in the operation management information storage means, the sell order cancellation instruction information is transmitted to the same securities company system as the destination of the sell order instruction information via the network. Cancellation process and
Buy order to send buy order cancellation instruction information to the same securities company system as the destination of the buy order instruction information via the network according to the transmission timing / destination information of the buy order management information stored in the operation management information storage means. Cancellation process and
In order to refund the amount of contributions deposited as funds for advance allocation of purchase capacity to the securities company that executes the purchase order according to the transmission timing and destination information of the deposit / withdrawal management information stored in the operation management information storage means to the adjustment bank system. The cancellation refund process is executed to send the remittance instruction information for cancellation refund to the same securities company system as the destination of the purchase order instruction information via the network.
If the order creation method accepts the input of correction of the amount or quantity reduction, as an operation process,
According to the transmission timing / destination information of the sell order management information stored in the operation management information storage means, the sell order correction instruction information is transmitted to the same securities company system as the destination of the sell order instruction information via the network. Correction processing and
Buy order to send buy order correction instruction information to the same securities company system as the destination of the buy order instruction information via the network according to the transmission timing / destination information of the buy order management information stored in the operation management information storage means. Correction processing and
For correction refund for refunding the reduced amount of contribution amount deposited as funds for advance allocation of purchase capacity to the adjustment bank system according to the transmission timing and destination information of the deposit / withdrawal management information stored in the operation management information storage means. The remittance instruction information may be configured to execute a correction refund process of transmitting the remittance instruction information to the same securities company system as the destination of the buy order instruction information via the network.

Here, the "amount" of "correction of reduction of amount or quantity" is not the limit price (limit price for the price (unit price) of a fluctuating financial product), but the order amount corresponding to the order quantity (sale price or purchase price). The amount corresponding to the funds).

In the case where the order can be canceled or corrected in this way, the contribution amount is changed to zero in the case of cancellation and the contribution amount is reduced in the case of correction during the adjustment period by the adjustment information creation means. It becomes possible to execute the process. For this reason, all or part of the contribution amount can be refunded earlier than planned. Therefore, when the usage fee of the purchase capacity adjustment service changes according to the size of the contribution amount, It is possible to reduce the amount of payment of the usage fee of the customer's purchasing capacity adjustment service.

<Structure in which the sale price of another sell order is used to refund the contribution amount>

Further, in the configuration provided with the operation management information creation means and the operation management information storage means described above,
The means for creating adjustment information is
When a sell order for which order data has been created by order creation means in combination with a buy order is regarded as a set sell order, the set sell order starts from the deposit date of the funds for advance allocation of purchase capacity or the day before this deposit date. During the standard length adjustment period, which is the delivery date of the sale price or the day after this delivery date, another sell order whose delivery date arrives on the day before the delivery date of the sale price of the group sell order If there is, and the execution processing of the set sell order and the other sell order is performed in the same securities company system,
When the sale price of the other sell order is equal to or greater than the contribution amount, the sale price of the other sell order starts from the date of deposit of the funds for advance allocation of the purchase capacity or the day before this deposit date instead of the adjustment period of the standard length. Determine a short adjustment period until the delivery date or the day after this delivery date,
If the sale price of the other sell order is less than the contribution amount, the contribution amount on the day after or two days after the delivery date of the sale price of the other sell order is reduced by the amount of the sale price of the other sell order. It is configured to execute processing,
The means of creating operation management information is
When the sale price of the other sell order is equal to or greater than the above contribution amount, the remittance instruction information for refund and the remittance instruction information for refunding the contribution amount by the sale price of the set sell order are used as deposit / withdrawal management information. Instead of the transmission timing / destination information, remittance instruction information for refund for refunding the contribution amount by the sale price of the other sell order and the transmission timing / destination information of this remittance instruction information are created.
When the sale price of the other sell order is less than the contribution amount, the remittance instruction information for refund and the remittance instruction information for refunding the contribution amount by the sale price of the group sell order are transmitted as deposit / withdrawal management information. Instead of the timing / destination information, create remittance instruction information for intermediate refund and transmission timing / destination information of this remittance instruction information for refunding a part of the contribution amount by the sale price of the other sell order. At the same time, remittance instruction information for final refund for refunding the remaining part of the contribution amount by a part of the sale price of the group's sell order, and transmission timing / destination information of this remittance instruction information are created and operation management is performed. It is configured to execute the process of storing in the information storage means.
The operation processing means is
When the sale price of the other sell order is equal to or greater than the contribution amount, as an operational process,
In order to allocate the sale price obtained by executing the other sell order to refund the contribution amount to the adjustment bank system according to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means. Refund to send remittance instruction information for refund to the registered bank system where the sale price of the other sell order was withdrawn and / or the securities company system that executed the execution of the other sell order via the network. Execute the process and
When the sale price of the other sell order is less than the contribution amount, as an operation process,
According to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means, the sale price obtained by executing the other sell order is used to refund a part of the contribution amount to the adjustment bank system. The registered bank system in which the sale price of the other sell order was withdrawn via the network, and / or the securities company system that executed the execution process of the other sell order, with the remittance instruction information for intermediate refund to be applied. Intermediate refund processing to send to
Remittance instruction information for final refund to use the sale price obtained by executing the sell order of the group to refund the remaining part of the contribution to the adjustment banking system, the sell order of the group via the network It may be configured to execute a final refund process of sending the sale price to the registered bank system from which the sale price was withdrawn and / or the securities company system that executed the sale order of the set.

Here, "when the sale price of the other sell order is less than the contribution amount" by the "adjustment information creation means", the contribution amount of the day after the delivery date of the sale price of the other sell order or the day after the next day is determined. In the process of reducing the sale price of another sell order, the "contribution amount on the day after the delivery date or the day after the next day" is the delivery date of the sale price of another sell order or the next day (next business day). (Including the meaning), it is treated as a state where the contribution amount before the reduction is made, and it is treated as a state where the contribution amount is reduced by a partial refund of the contribution amount due to the sale price of another sell order. It means that the day is off by one day. For example, if the delivery date of the sale price of another sell order is October 1, contributions will be made with the contribution amount before the reduction until October 1 (or October 2 due to system processing reasons). It is in a state where contributions have been made from October 2nd (or October 3rd due to system processing reasons) with the reduced contribution amount.

Further, the "interim refund process" for transmitting the "remittance instruction information for the interim refund" may be performed over a plurality of days when there are a plurality of "another sell orders".

In this way, if the sale price of another sell order is used to refund the contribution amount, the sale price of another sell order whose delivery date arrives earlier will be used to refund the contribution amount early. Since it can be done, the adjustment period can be shortened or the contribution amount can be reduced in the middle. For this reason, when the mechanism is such that the usage fee of the purchase capacity adjustment service changes according to the length of the adjustment period and the amount of contribution, it is possible to reduce the payment amount of the purchase capacity adjustment service usage fee of the customer. It will be possible.

<Invention of the program>

Further, the program of the present invention is for operating a computer as the asset management system described above.

The above program or a part thereof may be, for example, an optical magnetic disk (MO), a compact disk (CD), a digital versatile disk (DVD), a flexible disk (FD), a magnetic tape, or a read-only memory (ROM). , Electrically erased and rewritable read-only memory (EEPROM), flash memory, random access memory (RAM), hard disk drive (HDD), solid state drive (SSD), flash disk, etc. It can be stored and distributed, and can be transmitted using, for example, a wired network such as LAN, MAN, WAN, the Internet, an intranet, or an extranet, a wireless communication network, or a transmission medium such as a combination thereof. It is also possible to carry it on a carrier. Further, 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 purchase capacity of a customer is adjusted across a plurality of securities company systems by contributing funds for advance allocation of the purchase capacity from the adjustment bank system to the purchase order execution organization. Since it is possible to provide a purchase capacity adjustment service, the time difference between the sale process and the purchase process when purchasing another brand at another securities company by the sale price of the sell order can be eliminated or shortened. It has the effect of being able to.

The overall block diagram of the asset management system of one Embodiment of this invention. The explanatory view of the 1st form (the form by an open API) about the acquisition of the asset information and the execution of the operation process of the said embodiment. The explanatory view of the 2nd form (the form which registers the ID / PW of each financial institution in the purchase capacity adjustment service provision server) about the acquisition of the asset information of the said embodiment, and the execution of an operation process. The explanatory view of the 3rd form (the form via a user terminal) about the acquisition of the asset information and the execution of the operation process of the said embodiment. The illustration of the asset management service menu screen of the said embodiment. FIG. 6 is an example diagram of a setting screen of a continuous order (replacement of investment trust brand) of the above embodiment. The figure of the setting screen of the continuous order (stock exchange) of the said embodiment. The figure of the setting screen of the rebalancing of the said embodiment. The figure which shows the specific example of the rebalancing process (when there is no increase or decrease of the investment fund) of the said embodiment. The figure which shows the specific example of the subscription & rebalancing processing of the said embodiment. The figure which shows the specific example of the periodical cashing & rebalancing processing of the said embodiment. The figure of the flowchart which shows the flow of the process which concerns on the provision of the purchase capacity adjustment service of the said embodiment. The explanatory view of the flow of funds accompanying the operation processing of the continuous order of the said embodiment. The figure which shows the specific example (when the adjustment bank system makes a contribution) of the operation management information of a continuous order stored in the operation management information storage means of the said embodiment. The figure which shows the specific example (when the donation by a coordinating bank system is not made) of the operation management information of a continuous order stored in the operation management information storage means of the said embodiment. An explanatory diagram of the flow of funds associated with the rebalancing process of the above embodiment (when there is no increase or decrease in operating funds). An explanatory diagram of the flow of funds associated with the periodic purchase & rebalancing process (when there is an increase in operating funds) of the above-described embodiment. An explanatory diagram of another flow of funds associated with the periodic purchase & rebalancing process (when there is an increase in operating funds) of the above-described embodiment. An explanatory diagram of the flow of funds associated with the periodical cashing & rebalancing process (when there is a reduction in operating funds) of the above-described embodiment. An explanatory diagram of another fund flow associated with the periodic cashing & rebalancing process (when there is a reduction in operating funds) of the above-described embodiment. The figure which shows the specific example of the operation management information of the rebalancing (when there is no increase or decrease of the operation fund) stored in the operation management information storage means of the said embodiment. The figure which shows the specific example of the operation management information of a subscription & rebalancing stored in the operation management information storage means of the said embodiment. The figure which shows the specific example of the operation management information of periodical cashing & rebalancing stored in the operation management information storage means of the said embodiment. The figure which shows the specific example of the purchase capacity adjustment (in the case of continuous order) of the said embodiment. The figure which shows the specific example of the purchase capacity adjustment (in the case of rebalancing which does not accompany the increase or decrease of the investment fund) of the said embodiment.

An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows the overall configuration of the asset management system 10 of the present embodiment. 2 to 4 are explanatory views of the first, second, and third forms regarding the acquisition of asset information and the execution of operation processing. 5 to 8 show an example of a screen displayed on the user terminal 60. 9 to 11 show specific examples of rebalancing processing, periodic purchase & rebalancing processing, and periodic cashing & rebalancing processing. FIG. 12 is a flowchart showing a flow of processing related to the provision of the purchase capacity adjustment service. Further, FIGS. 13 to 15 show the flow of funds associated with the operation processing of continuous orders and specific examples of operation management information of continuous orders (with or without contribution by the coordinating bank system). .. Further, FIGS. 16 to 20 show the flow of funds associated with the rebalancing process, the periodic purchase & rebalancing process, and the periodic cashing & rebalancing process, and FIGS. 21 to 23 show the operation of these processes. Specific examples of management information are shown. Further, FIGS. 24 and 25 show specific examples of the purchase reserve capacity adjustment.

<Overall configuration of asset management system 10>

In FIG. 1, the asset management system 10 is configured by connecting a plurality of asset management service providing servers including the purchase reserve capacity adjustment service providing server 20 via a network 1. However, since the asset management service providing server other than the purchasing capacity adjustment service providing server 20 is not directly related to the function of the present invention, the description is omitted.

A plurality of financial institution systems including a plurality of securities company systems 40 and a plurality of banking systems 50 are connected to the purchase capacity adjustment service providing server 20 via the network 1, and a customer or its input agent (securities). A plurality of (usually many) user terminals 60 operated by a salesperson or an operator of a company, and at least one administrator terminal 70 operated by a system administrator are connected via a network 1.

Here, in the present embodiment, the network 1 is mainly composed of, for example, the Internet or a combination of the Internet and an internal network such as a LAN or an intranet, and is wired, wireless, or a mixture of wired and wireless. It doesn't matter if it is a type.

The purchase capacity adjustment service providing server 20 is a server operated and managed by a service provider (external business operator) other than a financial institution (bank, securities company, etc.), and mainly purchases financial products (investment trusts, stocks, etc.). The process of providing the purchase capacity adjustment service that adjusts the purchase capacity of the customer across multiple securities company systems by contributing the funds for the advance allocation of the purchase capacity to the order execution organization is executed and the processing is performed. Although it is a server that stores necessary data, in the present embodiment, the purchase and purchase processing of financial products that does not involve the contribution of funds for advance allocation of purchase capacity is also executed by the purchase capacity adjustment service providing server 20. ing. Even if the customer does not choose to receive the purchase capacity adjustment service or the customer chooses to receive the purchase capacity adjustment service, as a result, the contribution of the funds for advance allocation of the purchase capacity will be raised. This is because there are cases where it is not necessary (the processing is done within the same securities company, or self-procurement is sufficient).

Here, the funds for advance allocation of the purchase capacity are used to purchase another issue using the sale price of the sell order of one issue, and the purchase order is made by a securities company other than the securities company that executed the sell order. On the day before the delivery date of the sale price of the sell order, the securities company that executes the buy order will make a deposit to the securities company that executes the buy order in order to secure the purchase capacity of the customer. Refers to funds. However, as will be described later, even when the purchase is made at the same securities company as the securities company that executed the sell order, if the purchase capacity is delayed (the purchase capacity is secured by the execution of the sell order). In this case, and if the execution date of the sell order is not the same day (the same day as the order date)), the funds for advance allocation of the purchase capacity will be deposited to the same securities company as the securities company that executed the sell order. In that sense, the funds for advance allocation of the purchase capacity are the funds to be deposited to secure the purchase capacity at an earlier stage than the normal processing by the purchase order execution agency (single securities company). You can say that.

In the present embodiment, the funds for advance allocation of the purchase capacity can be procured in two ways. The first procurement method is procurement from the coordinating bank system 50N. In the present application, this procurement is referred to as "contribution" and the amount is referred to as "contribution amount". The contribution is a temporary procurement as the contribution will be refunded to the Coordinating Banking System 50N after the delivery date of the sale price has arrived. The second procurement method is to procure from cash or MRF (Money Reserved Fund) held by the customer at a financial institution other than the buy order execution institution (bank or securities company: funding source financial institution). In the present application, this procurement is referred to as "self-procurement", and the amount is referred to as "self-procurement amount". Since the self-procured amount is returned to the fund-raising financial institution after the delivery date of the sale price arrives, it is a temporary procurement as in the case of contribution from the coordinating bank system 50N.

As described above, in the present invention, the deposit of the funds for the advance allocation of the purchase capacity to the purchase order execution organization (the first procurement method is the deposit of the contribution amount from the adjustment bank system 50N, and the second procurement method is The reason for depositing the self-procured amount) is as follows. That is, when both a sell order and a buy order are executed within the same securities company, the customer's purchasing capacity at the securities company is secured on the day before the delivery date of the sale price of the sell order, and the purchase is made. Generally, orders can be executed, but when sell orders and buy orders span multiple securities companies, processing within a single securities company secures purchasing capacity. This is to eliminate the situation because it cannot be done. Therefore, in the first procurement method, the contribution is made from the coordinating bank system 50N, but this contribution does not correspond to financing (lending), and if it is within the same securities company, from the delivery date of the sale price. In the same way as in the case where it was possible to secure the purchase capacity on the previous day, through the service provider (systematically, the purchase capacity adjustment service provision server 20 operated and managed by the service provider and (Through the coordinating banking system 50N linked with this), the assets of the customer are temporarily moved, and the purchasing capacity is adjusted by transcending the securities company. This point will be described later with reference to FIGS. 24 and 25.

The method of securing the purchase reserve capacity (purchase fund procurement method) at the purchase order execution organization is the payment of the funds for advance allocation of the purchase reserve capacity by the above two methods (adjustment in the first procurement method). It is the deposit of the contribution amount from the banking system 50N, and in the second procurement method, it is the deposit of the self-procured amount.) In addition, there are the following third and fourth methods. The third method is a case where the purchase capacity is secured on the day before the delivery date of the sale price because the sell order and the buy order are executed by the same securities company. In this embodiment, it is distinguished from the deposit of the funds for the advance allocation of the purchase capacity, because it is a case that exists from the above and does not adjust the purchase capacity of the securities company transcendence. However, even in this case, if the purchase capacity is secured by the execution of the sell order and the execution date of the sell order is not the same day (the same day as the order date of the sell order), the purchase capacity is available. Since securing is delayed, it is effective to make a deposit before the execution of the sell order. In such a case, the securities company that executed the sell order will be paid the funds for advance allocation of the purchase capacity (adjustment). The amount of contribution from the banking system 50N may be deposited, or the amount of self-procurement may be deposited.) When such funds for advance allocation of purchase capacity are deposited, the contribution amount may be refunded or the self-procured amount may be returned after the sale price of the sell order is delivered. Early refunds and refunds can be made after the contract. This is because the purchase capacity is secured by the execution of the sell order. The fourth method is to deposit an increased amount when increasing the operating funds, but since this increased amount is not related to the sale price of the sell order and is not a temporary procurement, the present embodiment Therefore, it is distinguished from the deposit of funds for advance allocation of purchase capacity. From the above, in the present embodiment, there are four methods for securing the purchase reserve capacity (purchase fund procurement method). Therefore, for example, the purchase fund procurement method in FIG. 10 has four columns.

Further, in the present embodiment, the purchase reserve capacity adjustment service providing server 20 is essentially a fund for advance allocation of the purchase reserve capacity among services other than the purchase reserve capacity adjustment service (for example, a management service for owned assets and buying and selling of financial products. It also has a function as a portal site for accessing various services handled by the asset management system 10, including a trading agency service that does not require contributions, a final declaration data creation service, etc.). The function of the portal site may be provided on an asset management service providing server different from the purchase capacity adjustment service providing server 20, or an asset management service providing server dedicated to the portal may be provided.

Specifically, the purchase capacity adjustment service providing server 20 is composed of one or a plurality of computers, and includes a menu display means 21, a setting means 22, an asset information acquisition means 23, an order creation means 24, and the like. Adjustment information creation means 25, operation management information creation means 26, operation processing means 27, authentication information storage means 31, acquisition target storage means 32, asset information storage means 33, setting information storage means 34, and so on. The date determination information storage means 35, the operation management information storage means 36, and the spare capacity management information storage means 37 are included.

Of these, the menu display means 21, the setting means 22, the asset information acquisition means 23, the order creation means 24, the adjustment information creation means 25, the operation management information creation means 26, the operation processing means 27, and other processing means (not shown) are included. A central processing unit (CPU) provided inside the computer body that constitutes the purchase reserve capacity adjustment service providing server 20, one or more programs that define the operating procedure of this CPU, and main memory and cache memory. It is realized by working memory etc. The details of each of these means 21 to 27 will be described later.

Further, the storage means 31 to 37 and other storage means (not shown) are preferably realized by, for example, a hard disk drive (HDD) or a solid state drive (SSD), but there is no problem in storage capacity, access speed, or the like. As long as it is within the range, other recording media such as DVD, CD, MO, and magnetic tape may be adopted. Further, the data storage format of each storage means 31 to 37 and other storage means may be a database or a file format such as a flat file. In the case of a database, each of the storage means 31 to 37 and the like may be a separate database, or may be a different table in one or several databases. The details of each of these storage means 31 to 37 will be described later.

The securities company system 40 is a system operated and managed by a securities company that acts as an agent for buying and selling financial products (investment trusts, stocks, bonds, etc.), and is composed of one or a plurality of computers. When each securities company system 40 is described separately, the securities company systems 40 of the securities companies A, B, C, D, ... Are designated by the reference numerals 40A, 40B, 40C, 40D, ....

The bank system 50 is a system operated and managed by a bank that manages the balance of accounts opened by each customer and each securities company and processes deposits and withdrawals, and is composed of one or a plurality of computers. When the banking systems 50 are described separately, the banking systems 50 of the banks N, X, Y, Z, ... Are designated by the reference numerals 50N, 50X, 50Y, 50Z, ....

Further, in the present invention, the bank that contributes the funds for the advance allocation of the purchase reserve capacity for the provision of the purchase reserve capacity adjustment service is referred to as a “coordination bank”, and the system is referred to as an adjustment bank system. In the present embodiment, it is assumed that the bank N is the coordinating bank and the banking system 50N is the coordinating bank system. In addition, a bank for deposits and withdrawals between a customer and a securities company (a financial institution designated by the customer to make deposits and withdrawals with a securities company) is called a registered bank (registered financial institution), and its system is called a registered bank. It is called a registered bank system (registered financial institution system). In the present embodiment, it is assumed that the banks X, Y, Z are registered banks and the banking systems 50X, 50Y, 50Z are registered bank systems. At this time, the coordinating bank and the registered bank may match (that is, the customer may designate the coordinating bank as the registered bank), but in the present embodiment, they are separated for convenience of explanation.

One customer registers different banks at each securities company, for example, designating bank X as the registered bank at securities company A and designating bank Y as the registered bank at securities company B. Although it can be designated as a bank, one bank can be designated as a plurality of securities, for example, bank X is designated as a registered bank in securities company A and also designated as a registered bank in securities company B. It can also be designated as a registered bank in the company. Further, since the designation of the registered bank in each securities company A, B, C, D, ... By one customer and another customer is completely irrelevant, for example, customer K5 is registered in securities company A. Since it is naturally possible to specify bank X as a bank and another customer K6 to specify another bank Y as a registered bank in the same securities company A, it is referred to as a registered bank in the description of this embodiment. A bank means a registered bank designated by each securities company A, B, C, D, ... By one customer (one customer paying attention in the explanation of a certain function).

Each of the user terminal 60 and the administrator terminal 70 is composed of a computer, and includes input means such as a mouse and a keyboard and display means such as a liquid crystal display. The user terminal 60 and the administrator terminal 70 may be, for example, a mobile device such as a smartphone, a tablet terminal, or a personal digital assistant (PDA).

Further, the user terminal 60 and the administrator terminal 70 are connected to the purchase capacity adjustment service providing server 20, other asset management service providing server (not shown), each securities company system 40, and each bank system 50 by using a general-purpose browser. Although it is possible to perform processing that involves communication with the server, a dedicated application may be installed and these processes may be performed. At this time, a dedicated application is mounted on the user terminal 60 to assist each processing by the asset information acquisition means 23, the order creation means 24, and the operation processing means 27 of the purchase capacity adjustment service providing server 20 (acquisition of asset information). (Refer to the third mode shown in FIG. 4 for the execution of the operation process), as shown by the alternate long and short dash line in FIG. 1, the user terminal 60 is realized by a dedicated application. The asset information acquisition assisting means 61, the order creation assisting means 62, and the operation processing assisting means 63 are provided.

Although not shown in FIG. 1, each securities company system 40 is connected to a stock exchange system or a private trading system (PTS: Proprietary Trading) via a communication line (either a dedicated line or a network). A market system such as System) is connected, so that each securities company system 40 can act as an intermediary (intermediary to the market) for trading of financial products such as stocks.

Further, each securities company system 40 is connected to a system of an investment trust management company (not shown) via a communication line (either a network or a dedicated line), whereby each securities company system 40 and the investment trust can be connected. Information regarding the buying and selling of investment trusts is sent and received to and from the management company's system. The system of the investment trust management company performs processing to calculate the base price of each stock of the investment trust.

Further, a system (financial information distribution system) of an information vendor (not shown) is connected to the network 1, and a purchase capacity adjustment service providing server 20 and other asset management service providing servers (not shown), each securities company system 40, Financial information including various financial indicators such as unit price, exchange rate, Nikkei average, NY Dow, and crude oil price of financial products such as stocks is sequentially distributed to each bank system 50.

<Configuration of purchase capacity adjustment service providing server 20 / menu display means 21>

The menu display means 21 receives the display request from the user terminal 60 and the administrator terminal 70, and is displayed on the screens of the user terminal 60 and the administrator terminal 70 via the network 1, for example, as shown in FIG. Asset management service A process of transmitting display data (for example, Web screen data) for displaying the menu screen 100 is executed. Here, for convenience of explanation, the asset management service menu screen 100 common to the user terminal 60 and the administrator terminal 70 is displayed, but the customer or its input agent and the system administrator A different asset management service menu screen may be displayed.

Specifically, as shown in FIG. 5, the menu display means 21 displays, for example, "(1) display of the balance of owned assets" and "(2) continuous order (preceding sell order) on the display unit 110 of the service item.・ Subsequent purchase orders) / with or without purchase capacity adjustment ”,“ (3) rebalancing / with or without purchase capacity adjustment ”,“ (4) subscription (increase in operating funds) & rebalancing / purchase capacity With or without adjustment ”,“ (5) Periodic cashing (reduction of operating funds) & rebalancing / with or without adjustment of purchasing capacity ”,“ (6) Single-shot sell order / with or without best execution ”,“ (7) Single-shot Display service items such as "Buy order / with or without best execution" and "(8) Creation of final tax return data", and accept the selection of the customer or its input agent. In the present embodiment, among these, the processes for providing the services (1) to (5) are executed by the purchase capacity adjustment service providing server 20, and the processes for providing the services (6) to (7) are It is executed on another asset management service providing server (not shown).

Further, the menu display means 21 displays a user setting item such as "(1) Setting of the financial institution to which the asset information is acquired and the acquisition item" on the display unit 120 of the user setting item, and inputs the customer or the customer. Accepts the selection of agents. The user setting of (1) is accepted by the setting means 22 and stored in the acquisition target storage means 32.

Further, the menu display means 21 displays a system administrator setting item such as "(1) setting of date determination information" on the display unit 130 of the system administrator setting item, and accepts the selection of the system administrator. .. The system administrator setting of (1) is accepted by the setting means 22 and stored in the date determination information storage means 35.

<Configuration of purchase capacity adjustment service providing server 20 / setting means 22>

The setting means 22 is displayed on the asset management service menu screen 100 of FIG. 5 displayed on the user terminal 60, and the service item display unit 110 “(3) with or without rebalancing / purchasing capacity adjustment” and “(4) periodical. One of "Purchase (increase in investment funds) & rebalancing / with or without adjustment of purchase capacity" or "(5) Periodic cashing (decrease in investment funds) & rebalancing / with or without adjustment of purchase capacity" was selected. In this case, the rebalancing setting screen 400 or the like as shown in FIG. 8 is displayed on the user terminal 60, and the customer or the input agent thereof regarding the portfolio, the increase amount, the decrease amount, etc. for the purpose of rebalancing. A process of receiving setting input and storing the set information for rebalancing such as the received target portfolio, increase amount, decrease amount, etc. in the setting information storage means 34 in association with the customer identification information (ID) for the asset management system 10. Is to execute.

In FIG. 8, the rebalancing setting screen 400 is provided with the target portfolio setting unit 410, and the stocks constituting the target portfolio, the order execution institution (financial institution that mediates the buying and selling orders of the constituent stocks), and the target portfolio. The ownership ratio is entered. Further, the cycle setting unit 420 is provided with a plurality of selection units for selecting a cycle for rebalancing. It should be noted that the cycle may be set more freely including the date and the day of the week in the month (for example, the 15th day of each month, the third Wednesday of the odd month, etc.).

Further, in the rebalancing setting unit 430 accompanied by the regular purchase, the amount of increase in the operating funds at the time of the regular purchase, the financial institution for procuring the increased amount, and the account number are input. Further, in the rebalancing setting unit 440 accompanied by the regular cashing, the amount of reduction of the operating funds at the time of the regular cashing, the financial institution and the account number of the transfer destination when collecting the cashing amount are input. The redemption amount may be withdrawn to the account of each registered bank instead of being collected in one place (one account).

Then, in the designation unit 450 of the funds used for the connection, the connection funds from the sell order to the buy order when the sell order and the buy order are placed across a plurality of securities companies (in the present application, the funds for the advance allocation of the purchase reserve capacity). Specify the means (funding source) to secure (calling.). In order to place a buy order, the customer's purchase capacity must be secured at the purchase order execution agency, and for that purpose, it is necessary to make a deposit to the purchase order execution agency. It is a fund for advance allocation of purchase capacity to be carried out before delivery of the sale price of the order. If "Full Contribution from Coordinating Bank" is selected, the full amount required will be secured by contribution from the Coordinating Bank System 50N. It is also possible to select cash or cash-equivalent assets held by each financial institution (ordinary deposit balance in a bank account, cash balance (money balance) or MRF balance in a securities company account). In this case, for each funding source (each balance of each account) at each financial institution, enter the maximum amount of money that can be used in one rebalancing or the fixed amount that should be left (the amount that cannot be used). be able to.

Further, on the asset management service menu screen 100 of FIG. 5 displayed on the user terminal 60, the setting means 22 sets the user setting item display unit 120 as “(1) Setting the financial institution to which the asset information is acquired and the acquisition item. Is selected, accepts and accepts the setting input of the customer or its input agent for financial institutions such as securities companies and banks in which the customer has opened an account, or items to be acquired from those financial institutions. It also executes a process of storing the financial institution and the item in the acquisition target storage means 32. Items to be acquired from financial institutions are, for example, the balance of each investment trust stock held by a securities company, the balance of each stock stock, the cash balance (contract-based or delivery-based monetary balance), and MRF (money reserved).・ Fund) balance, balance of ordinary deposit account held in the bank, etc. At this time, it may be set to acquire all the information of the assets held by the customer, but it does not necessarily have to be all the information. For example, when holding an investment trust and stocks, the balance information of the investment trust. If you have opened accounts at each of multiple banks, or if you have multiple accounts at one bank, you can get only the balance information of some of the accounts. It may be set to be performed.

Further, in the setting means 22, "(1) Setting of date determination information" of the display unit 130 of the system administrator setting item is selected on the asset management service menu screen 100 of FIG. 5 displayed on the administrator terminal 70. In such a case, for example, the system administrator accepts the setting input for the date determination information such as the order availability date, the contract days, the delivery days, etc. of each stock of the investment trust, and the received date determination information is determined. The process of storing the information in the information storage means 35 is also executed. Here, the order availability date of each stock of the investment trust is, for example, information on whether or not it corresponds to a domestic business day, whether or not it corresponds to an overseas holiday, etc., and is like a calendar. This is table information in which information on whether or not orders can be placed on each day is stored in association with brand identification information. The number of contract days is the number of days from the order date to the contract date of each stock of the investment trust, and the number of delivery days is the number of days from the order date to the delivery date of each stock of the investment trust. Information that is stored in association with each other. The date determination information is used because the adjustment period for making contributions from the adjustment bank system 50N and the transmission timing of various instruction information are determined by these information.

<Configuration of purchase capacity adjustment service providing server 20 / asset information acquisition means 23>

The asset information acquisition means 23 is a plurality of financial institution systems including a plurality of securities company systems 40 (40A, 40B, 40C, 40D, ...) And a plurality of banking systems 50 (50N, 50X, 50Y, 50Z, ...). Holding and fluctuation of assets including financial products of customers via network 1 using customer identification information (ID) for each financial institution or tokens or other alternative information in lieu of these customer identification information (ID). It executes the process of acquiring the asset information related to. The asset information acquired here corresponds to the information acquired by the reference / inquiry API and the update / execution API already described in the explanation of the open API in the background technology of the present application (however, it is not necessarily based on the API). It is not necessary, and here it refers to the content of the information, not the method of obtaining the information.) All are included.

The timing of acquiring the asset information by the asset information acquisition means 23 may be periodic, may be when a specific process is performed, or may be a combination of both.

In the case of periodic acquisition, for each service of rebalancing, rebalancing with regular purchase, rebalancing with regular cashing, for example, the end of every month, the 15th of every month, the first Monday of every month, etc. When the implementation time is predetermined by the system, or when the implementation time specified by the customer (for example, the end of an odd month, the 5th day of an even month, etc.) is stored in the setting information storage means 34, various cases are required. Since asset information is required for the determination of rebalancing (determination of the brand to be bought and sold and the amount or quantity), it can be acquired at the time of the determination (immediately before the determination).

Further, as a case of performing periodic acquisition, it may be acquired in a relatively short cycle, for example, every day for 1 hour, every 10 minutes, etc., instead of adjusting to the time when the rebalancing is performed. The asset information acquired periodically is stored in the asset information storage means 33 by the asset information acquisition means 23 in association with the customer identification information (ID) for the asset management system 10. Here, the customer identification information (ID) for the asset management system 10 is the customer identification information (ID) for the service provider (external business operator) that provides the asset management service including the purchase capacity adjustment service, and each securities. It is different from the customer identification information (ID) for companies A, B, C, D, ... And the customer identification information (ID) for each bank N, X, Y, Z, ..., but any one of them. It may match the ID of the financial institution (securities company or bank). Therefore, any financial institution (securities company or bank) may be a service provider (external business operator) that provides asset management services including a purchase capacity adjustment service.

In the process of acquiring such periodic asset information, the financial institution and the item input by the setting means 22 and stored in the acquisition target storage means 32 are targeted for acquisition.

On the other hand, when the asset information is acquired when performing a specific process, for example, the customer displays "(1) Balance of owned assets" on the display unit 110 of the service item displayed on the asset management service menu screen 100 of FIG. When "Display of" is selected, the asset information acquisition means 23 acquires the asset information necessary for display from each financial institution, and performs a process of displaying the acquired asset information on the screen of the user terminal 60. May be good. Therefore, the asset information acquisition means 23 also has a display function in this case. The asset information acquired by the asset information acquisition means 23 may or may not be stored in the asset information storage means 33. Further, when the customer selects "(1) Display of the balance of owned assets" on the display unit 110 of the service item displayed on the asset management service menu screen 100 of FIG. 5, the asset information acquisition means 23 periodically performs. If there is the latest asset information acquired (in a relatively short cycle) and already stored in the asset information storage means 33, the asset information acquisition means 23 uses the latest asset information to display the screen of the user terminal 60. The display process may be performed upward.

Further, as a case of acquiring the asset information when performing a specific process, the asset information may be acquired from each financial institution in response to the acquisition request by the order creation means 24. That is, when the order creating means 24 accepts the input of data related to the buy / sell order by the customer or its input agent, for example, the asset information display unit 210 (see the upper part in FIG. 6) as shown in FIG. 6 is included. In order to display the continuous order screen 200 on the screen of the user terminal 60, the asset information acquisition means 23 may acquire the asset information necessary for the display from each financial institution. The asset information acquired by the asset information acquisition means 23 may or may not be stored in the asset information storage means 33. Further, when the continuous order screen 200 as shown in FIG. 6 is displayed on the screen of the user terminal 60, it is periodically (relatively short) acquired by the asset information acquisition means 23 and the asset information storage means. If there is the latest asset information already stored in 33, the order creation means 24 may perform display processing on the screen of the user terminal 60 using the latest asset information.

Further, as a case of acquiring the asset information when performing a specific process, the asset information may be acquired from each financial institution in response to the acquisition request by the setting means 22. That is, when the setting means 22 accepts the setting input of the target portfolio or the like by the customer or its input agent, the asset information is displayed as reference information for the setting (the illustration in FIG. 8 is omitted). ) May obtain the asset information necessary for the display from each financial institution. The asset information acquired by the asset information acquisition means 23 may or may not be stored in the asset information storage means 33. Further, when displaying the asset information as reference information for such a setting on the screen of the user terminal 60, the asset information acquisition means 23 periodically (in a relatively short cycle) acquires the asset information and stores the asset information. If there is the latest asset information already stored in the means 33, the setting means 22 may perform display processing on the screen of the user terminal 60 using the latest asset information.

When asset information is required in the operation processing by the operation processing means 27, the operation processing means 27 performs the same processing as the asset information acquisition means 23 to acquire the asset information from each financial institution. However, the asset information acquisition means 23 may acquire the asset information from each financial institution in response to the acquisition request by the operation processing means 27. The case where asset information is required in the operation process is, for example, when the asset information is acquired to confirm the contract or delivery information when the next instruction information is transmitted at the timing after the contract or delivery. , When the next instruction information is transmitted after deposit or withdrawal, the asset information is acquired to confirm the deposit or withdrawal information.

Regarding the acquisition of asset information from each financial institution (each securities company, each bank) by the asset information acquisition means 23, various forms including the first to third forms shown in FIGS. 2 to 4 are adopted. be able to. The same applies to the execution of the operation process by the operation process means 27. That is, in the present invention, the authentication method for accessing each financial institution and the information transmission route for that purpose may be in any form, in short, the customer including the reference / inquiry system and the update / execution system. It suffices if it is possible to send and receive information about the asset information of the above with each financial institution.

In FIG. 2, the first form is a form based on an open API, for example, a mechanism for performing authentication by OAuth 2.0 or the like. However, in the authentication by OAuth 2.0, although the processing is actually more complicated than the state shown in FIG. 2, it is only the use of the existing rules, so FIG. 2 shows only the main flow. Further, the first form does not only refer to the authentication by OAuth 2.0, but may be a similar conventional authentication mechanism or an authentication mechanism to be developed in the future.

In the first form (form by open API) of FIG. 2, first, a customer (end user) or an input agent thereof receives customer identification information for each financial institution (each securities company, each bank) from the user terminal 60. Each financial institution system (each securities company system 40, each banking system 50) is accessed by using (ID) and password (PW), and each financial institution system (the part that functions as an authorization server) has a customer (end). The user) is authenticated, and each financial institution system sends the purchase capacity adjustment service providing server 20 a token (access token, and an access token before the expiration date of the access token expires) for accessing each financial institution system. A refresh token) will be issued to reissue the. At this time, although not shown, the customer (end user) or its input agent identifies the customer for the asset management system 10 (for the service provider who provides the asset management service including the purchase capacity adjustment service). Using the information (ID) and password (PW), log in to the purchase capacity adjustment service providing server 20 from the user terminal 60, and log in to each financial institution system with the involvement of the purchase capacity adjustment service providing server 20. Therefore, in the purchase capacity adjustment service providing server 20, the ID for the service provider is associated with the access token and the refresh token. Therefore, the authentication information storage means 31 includes the authentication information (ID / PW) for the service provider and each financial institution that serves as alternative information for the authentication information for each financial institution (each securities company, each bank). It is stored in association with the token (access token, refresh token) issued in. The access token is refreshed by the refresh token on the purchase capacity adjustment service providing server 20 automatically. Since the processing for issuing and reissuing such tokens needs to be performed before acquiring the asset information from each financial institution, it is performed by the asset information acquisition means 23, but in addition, the asset information It may be performed by the setting means 22, the order creating means 24, and the operation processing means 27 related to the acquisition.

Next, the asset information acquisition means 23 transmits a request for acquisition of asset information to each financial institution system (each securities company system 40, bank system 50) together with a token stored in the authentication information storage means 31. Acquire asset information from each financial institution system (the part that functions as the OOut resource server). At this time, when the asset information is periodically acquired, the financial institution and the item stored in the acquisition target storage means 32 are targeted for acquisition. Further, the acquired asset information is stored in the asset information storage means 33, if necessary. Normally, when the OAuth resource server that receives the asset information acquisition request together with the token can make an inquiry to the authorization server to acquire the token information and respond to the acquisition request, the purchase capacity adjustment In many cases, the asset information related to the acquisition request is transmitted to the service providing server 20, but the OAuth resource server and the authorization server may be configured by the same computer.

Further, when the operation processing means 27 executes the operation process according to the operation management information stored in the operation management information storage means 36, the operation processing means 27 is subjected to each financial institution system (each securities company system 40, bank system 50). An execution request (various instruction information) is transmitted together with the token stored in the authentication information storage means 31.

In FIG. 3, the second form is a form in which authentication information (ID / PW) for each financial institution is registered in the purchase capacity adjustment service providing server 20. In this form, first, the customer (end user) or its input agent accesses the purchase capacity adjustment service providing server 20 from the user terminal 60 using the authentication information (ID / PW) for the service provider. , Register the authentication information (ID / PW) for each financial institution. As a result, the authentication information storage means 31 stores the authentication information (ID / PW) for each financial institution (each securities company, each bank) in association with the ID for the service provider.

Next, the asset information acquisition means 23 provides asset information for each financial institution system (each securities company system 40, bank system 50) together with an ID / PW for each financial institution stored in the authentication information storage means 31. Send an acquisition request and acquire asset information from each financial institution system. At this time, when the asset information is periodically acquired, the financial institution and the item stored in the acquisition target storage means 32 are targeted for acquisition. Further, the acquired asset information is stored in the asset information storage means 33, if necessary.

Further, when the operation processing means 27 executes the operation process according to the operation management information stored in the operation management information storage means 36, the operation processing means 27 is used for each financial institution system (each securities company system 40, bank system 50). An execution request (various instruction information) is transmitted together with the ID / PW for each financial institution stored in the authentication information storage means 31.

In FIG. 4, the third form is a form in which asset information is acquired via the user terminal 60. In this form, the asset information acquisition means 23 of the purchase reserve capacity adjustment service providing server 20 transmits an asset information acquisition request to the asset information acquisition assisting means 61 of the user terminal 60, and the user terminal 60 uses this purchase reserve capacity adjustment service. From the asset information acquisition assisting means 61 to each financial institution system (each securities company system 40, bank system 50) according to the acquisition request from the providing server 20 or the input operation of the customer (end user) or its input agent. On the other hand, by transmitting the asset information acquisition request together with the ID / PW for each financial institution, the user terminal 60 acquires the asset information from each financial institution system. Then, the asset information acquisition assisting means 61 of the user terminal 60 transmits the acquired asset information to the purchase capacity adjustment service providing server 20. At this time, when the asset information is periodically acquired, the financial institution and the item stored in the acquisition target storage means 32 are targeted for acquisition. Further, the acquired asset information is stored in the asset information storage means 33, if necessary.

Further, when the operation processing means 27 executes the operation processing according to the operation management information stored in the operation management information storage means 36, the operation processing means 27 requests the operation processing auxiliary means 63 of the user terminal 60 to transfer various instruction information. In response to the transfer request from the purchase capacity adjustment service providing server 20, the user terminal 60 transmits the information, and the operation processing assisting means 63 sends the information to each financial institution system (each securities company system 40, bank system 50). The implementation request (various instruction information) is transmitted together with the ID / PW for the institution.

In the form of FIG. 4, information is transmitted / received between the purchase capacity adjustment service providing server 20 and each financial institution system (each securities company system 40, each bank system 50) via the user terminal 60. Therefore, it is premised that the power of the user terminal 60 is turned on at least during transmission and reception. When the user terminal 60 is a smartphone or the like, the background processing of the asset information acquisition assisting means 61 and the operation processing assisting means 63 waits for an acquisition request or a transfer request from the purchase reserve capacity adjustment service providing server 20. May be good.

<Configuration of purchase capacity adjustment service providing server 20 / order creation means 24>

The order creating means 24 outputs the asset information acquired by the asset information acquiring means 23 to the user terminal 60 and accepts the input of the buying and selling order of the financial product by the customer or its input agent, or inputs the buying and selling order of the financial product in advance. Is accepted and the trading setting information stored in the setting information storage means 34 is used, or the acquired asset information and the setting previously input by the customer or its input agent and stored in the setting information storage means 34. Using the information (target portfolio, etc.), order data including stock identification information, amount or quantity of the preceding sell order for financial products held by the customer, and securities company identification information indicating the sell order execution agency, and It executes the process of creating order data including the brand identification information, amount or quantity of the subsequent buy order that uses the sale price obtained from this sell order as the purchase fund, and the securities company identification information that indicates the buy order execution agency. Is.

<Creation of order data for continuous orders: Fig. 6, Fig. 7>

Specifically, when the order creating means 24 accepts continuous orders (preceding sell order and subsequent buy order), it creates each order data of the preceding sell order and the subsequent buy order as follows. To do.

On the asset management service menu screen 100 of FIG. 5, the customer or its input agent selects "Yes" in "(2) Continuous order (preceding sell order / subsequent buy order) / with or without purchase capacity adjustment". When the investment trust brand replacement is selected on the next screen (not shown), the order creation means 24 displays, for example, the continuous order screen 200 as shown in FIG. 6 on the screen of the user terminal 60. Display on. An asset information display unit 210 is provided at the upper part of the continuous order screen 200.

In FIG. 6, the customer or its input agent refers to the asset information displayed on the asset information display unit 210, and at the sell order input unit 220, the brand, amount, and order execution agency for the preceding sell order. (Financial institution that acts as an agent for sell orders) is input, and the brand and order execution institution (financial institution that acts as an agent for buy orders) for subsequent buy orders are input in the buy order input unit 230. In this example, the buy order amount is the same as the sell order amount, so it is not necessary to enter the amount. If you want to sell the entire amount (total number of units) of the stock to be sold, you can check the selection section and you do not have to enter the amount of the sell order, or it is automatically entered and corresponds to the full amount. The amount is automatically displayed. At this time, the customer or the input agent thereof may perform the input by a swipe operation or the like. In the example of FIG. 6, the owned assets (investment trusts held) are displayed in a yen graph and also displayed in a balloon. Therefore, for example, the entire amount of 1 million yen of the investment trust β is sold and the 100 When purchasing the investment trust α for 10,000 yen, the swipe operation M1 or M3 may be performed, or the swipe operation M2 or M4 in the opposite direction may be performed. The swipe operation M1 or M3 in the former direction is an image of swiping the brand to be purchased and applying it to the amount of 1 million yen, and the swipe operation M2 or M4 in the latter direction is the image of swiping the amount of 1 million yen to purchase the brand. It is an image to hit. If the reception of such a special operation such as a swipe operation cannot be executed on the Web screen, it may be realized by the order creation assisting means 62 configured by the dedicated application.

In addition, in the designated unit 240 of the funds used for the connection, the connection funds (funds for advance allocation of purchase capacity) from the sell order to the buy order when the sell order and the buy order are placed across a plurality of securities companies are secured. Specify the means (funding source). In order to place a buy order, the customer's purchase capacity must be secured at the purchase order execution agency, and for that purpose, it is necessary to make a deposit to the purchase order execution agency. It is a fund for advance allocation of purchase capacity to be carried out before delivery of the sale price of the order. If "Full Contribution from Coordinating Bank" is selected, the full amount required will be secured by contribution from the Coordinating Bank System 50N. It is also possible to select at least a part of the cash or cash equivalent assets held by each financial institution (ordinary deposit balance in the bank account, cash balance (money balance) or MRF balance in the securities company account). In the example of FIG. 6, if the balance of the ordinary deposit of Bank Z is 350,000 yen and 300,000 yen is entered, the upper limit of the self-procurement amount is 300,000 yen, and even if this self-procurement amount of 300,000 yen is used. , If there is a shortage of bridging funds (funds for advance allocation of purchase capacity), the shortfall will be secured by contribution from the adjustment bank system 50N.

Moreover, it is not always necessary to process the sell and buy orders immediately after entering them. That is, when the customer or its input agent clicks the "send" button 260 after checking the same-day execution selection unit 250, the order creation means 24 uses the sell order input unit 220 and the buy order input unit 220. After creating each order data of sell order and buy order using each input data in 230, each order data of created sell order and buy order, and input in the designated unit 240 of the fund to be used for connection. Proceed to the process of the adjustment information creating means 25 using the data. On the other hand, when the customer or its input agent checks the reservation selection unit 251 and inputs the execution date and then clicks the "send" button 260, the order creation means 24 sells along with the execution date. Customer identification information (ID) for the asset management system 10 (for service providers) using the input data in the order input unit 220, the buy order input unit 230, and the fund designation unit 240 used for connection as trading setting information. Is stored in the setting information storage means 34 in association with.

Further, at the bottom of the continuous order screen 200 of FIG. 6, in addition to the "send" button 260, a "to reservation cancellation screen" selection unit 261 and an "ordered order cancellation screen" selection unit 262, and "to the ordered order cancellation screen" are displayed. "To the ordered order correction screen" selection unit 263 is provided. Clicking the "Reservation Cancellation Screen" selection section 261 is, for example, when an order scheduled to be executed on November 1st is reserved on October 15th, but the reservation is canceled on October 23rd. In this case, the order has not been placed yet, so the reservation is simply canceled.

You can cancel or correct an order by clicking the "To the ordered order cancellation screen" selection unit 262 or the "To the ordered order correction screen" selection unit 263 in Fig. 6, which is the investment of the sell order and the buy order. This is the case when the stock of the trust is a stock that is not executed on the same day (order date). In this embodiment, as a general rule, both sell orders and buy orders shall be canceled or corrected. However, when the sell order is executed and the buy order is not executed, it may be possible to cancel or correct only the buy order. When canceling or correcting, the purchase funds of the buy order have already been deposited in the securities company that is the executing agency of the buy order, so if contributions are made from the coordinating bank system 50N, If canceled or corrected, at least a part of the contribution amount can be refunded earlier than planned, which will be described later.

In addition, on the asset management service menu screen 100 of FIG. 5, the customer or its input agent has "(2) continuous order (preceding sell order / subsequent buy order) / with or without purchase capacity adjustment". When the stock replacement is selected on the next screen (not shown), the order creation means 24 displays, for example, the continuous order screen 300 as shown in FIG. 7 on the screen of the user terminal 60. Display above. In addition, also in FIG. 7, the asset information display unit as shown in FIG. 6 described above may be provided.

In FIG. 7, the customer or its input agent inputs the brand, quantity (number of shares), and order execution institution (financial institution that acts as an agent for the sell order) for the preceding sell order in the sell order input unit 310. , In the buy order input unit 320, the brand and the order execution institution (financial institution that acts as an agent for the buy order) for the subsequent buy order are input. If you want to sell the entire quantity (total number of shares) of the stock to be sold, you can check the selection section and either you do not have to enter the quantity of the sell order, or it will be automatically entered and the total quantity will be displayed. The corresponding quantity is automatically displayed.

Further, the designated unit 330 of the funds used for the connection is the same as the designated unit 240 of the funds used for the connection in FIG. 6 described above.

Further, the same-day execution selection unit 340 and the reservation selection unit 341 are the same as the same-day execution selection unit 250 and the reservation selection unit 251 of FIG. 6 described above. That is, when the customer or its input agent clicks the "send" button 350 after checking the same-day execution selection unit 340, the order creation means 24 uses the sell order input unit 310 and the buy order input unit 310. After creating each order data of sell order and buy order using each input data in 320, each order data of created sell order and buy order, and input in the designated unit 330 of the fund to be used for connection. Proceed to the process of the adjustment information creating means 25 using the data. On the other hand, when the customer or its input agent checks the reservation selection unit 341 and inputs the execution date and then clicks the "send" button 350, the order creation means 24 sells with the execution date. Customer identification information (ID) for the asset management system 10 (for service providers) using the input data in the order input unit 310, the buy order input unit 320, and the fund designation unit 330 used for connection as trading setting information. Is stored in the setting information storage means 34 in association with.

Further, at the bottom of the continuous order screen 300 of FIG. 7, in addition to the "send" button 350, a "to reservation cancellation screen" selection unit 351 and an "ordered order cancellation screen" selection unit 352, and "to the ordered order cancellation screen" are displayed. "To the ordered order correction screen" selection unit 353 is provided. The "to reservation cancellation screen" selection unit 351 is the same as the "to reservation cancellation screen" selection unit 261 of FIG.

You can cancel or correct an order by clicking the "To the ordered order cancellation screen" selection unit 352 or the "To the ordered order correction screen" selection unit 353 in FIG. 7, because the sell order and the buy order are executed. If not. In principle, cancellations and corrections are made for both sell and buy orders, but if a sell order is filled and a buy order is not filled, only the buy order can be canceled or corrected. It may be possible to do so as in the case of buying and selling investment trusts. Further, in the present embodiment, in the case of buying and selling stocks, as a general rule, after the sell order is executed and the executed amount is fixed, the order data of the buy order of the quantity (number of shares) corresponding to the executed amount is created. .. Therefore, the order creating means 24 acquires the information on the contract stored in the asset information storage means 33 (the latest asset information when the acquisition process is performed in a relatively short cycle), or the information on the contract. Is requested to the asset information acquisition means 23, and after obtaining the information on the contract, the order data of the buy order is created (completed) based on the information. However, even in the case of buying and selling stocks, the buy order may be processed without waiting for the execution of the sell order. Here, the case where the sell order is not executed is, for example, the case where the sell limit order is set and the sell limit condition is not satisfied, and the case where the buy order is not executed is, for example, the case where the buy limit order is set and the buy is not executed. For example, when the limit price condition is not satisfied. In the example of FIG. 7, the description of the limit input setting is omitted. The limit price may be set automatically based on the stock price at the time of setting. Also, if the sell order has not been executed and it is not possible to move to the process of the buy order, the sell order has already been placed on the market, but the buy order instruction information has not yet been sent to the securities company for the buy order. Strictly speaking, the sell order is canceled or corrected because it is in a state, but the buy order cannot be canceled or corrected because the order has not been placed on the market. However, in this case as well, it is referred to as cancellation or correction as a whole. In the case of buying and selling stocks, as a general rule, the purchase funds for the buy order are deposited after the sell order is executed (after the contract amount is confirmed), but the buy order is made at the estimated amount without waiting for the sell order to be executed. You may deposit the purchase funds of. If the purchased funds have already been contributed from the Coordinating Banking System 50N, it will be possible to refund at least a part of the contribution amount earlier than planned by canceling or correcting it. However, this point will be described later.

Then, the customer or the input agent thereof checks the reservation selection unit 251 of FIG. 6 and the reservation selection unit 341 of FIG. 7 and inputs the execution date, so that the setting information storage means 34 is set to buy and sell. When the information is stored, the order creating means 24 uses the sell order input units 220 and 310 and the buy order input units 230 and 320 when the execution date included in the buy / sell setting information is reached. After creating each order data of sell order and buy order using each input data (included in the trading setting information), each order data of the created sell order and buy order, and the funds to be used for connection. Proceed to the process of the adjustment information creating means 25 using the input data (included in the trading setting information) in the designated units 240 and 330 of.

<Creation of order data for rebalancing (when there is no increase or decrease in operating funds): Fig. 9>

Further, on the asset management service menu screen 100 of FIG. 5, when the customer or its input agent selects “Yes” in “(3) Rebalancing / Purchase capacity adjustment Yes / No”, the order creation means. 24 is the valuation amount of each issue constituting the portfolio at the time of acquisition (at the time of acquisition of the latest asset information) based on the latest asset information acquired by the asset information acquisition means 23 and stored in the asset information storage means 33. , The total amount of the valuation amount of each issue at the time of acquisition is set according to the target portfolio stored in the information storage means 34. The securities company that executes the sell order, the brand and amount or quantity to be purchased, and the securities company that executes the buy order are determined, and the rebalancing process for creating each order data of the sell order and the buy order is executed.

For example, in FIG. 8, it is assumed that the stocks, order execution institutions, and holding ratios constituting the target portfolio are set as input to the target portfolio setting unit 410 (see FIG. 9). Then, the valuation amount of each issue constituting the portfolio at the time of acquisition based on the latest asset information stored in the asset information storage means 33 is the amount described in the "current valuation amount" column of FIG. And. At this time, the total evaluation amount of each brand at the time of acquisition (current evaluation amount in FIG. 9) is 20 million yen. Assuming that this total amount of 20 million yen is allocated according to the holding ratio of the target portfolio, the state after rebalancing is 2,000 for the investment trust α (securities company A) as shown in Fig. 9. 10,000 yen x 30% = 6 million yen, investment trust β (securities company B) is 20 million yen x 20% = 4 million yen, and investment trust γ (securities company C) is 2,000 yen. 10,000 yen x 15% = 3 million yen, investment trust δ (securities company D) is 20 million yen x 15% = 3 million yen, and investment trust ε (securities company A) is 2,000 yen. 10,000 yen x 10% = 2 million yen, and for the investment trust λ (securities company B), 20 million yen x 10% = 2 million yen. Therefore, for the investment trust α (securities company A), the current valuation amount is 5.5 million yen, while the state after rebalancing is 6 million yen, so the purchase order is 500,000 yen (see Fig. 9). .. Regarding the investment trust β (securities company B), the current valuation amount is 4.5 million yen, while the state after rebalancing is 4 million yen, so the sell order is 500,000 yen (see Fig. 9). .. For other constituent stocks γ, δ, ε, λ, the trading amount is calculated in the same way. As a result, each order data for rebalancing (when there is no increase or decrease in operating funds) is created.

The valuation amount may be data acquired as asset information from each financial institution, or the purchase capacity adjustment service providing server 20 may be an information vendor system (financial information distribution system) or an investment trust management company (not shown). The unit price information (in the case of an investment trust, the base price) may be acquired from the system of (1) via the network 1 and calculated.

<Creation of order data for rebalancing with subscription (when there is an increase in operating funds): Fig. 10>

Further, on the asset management service menu screen 100 of FIG. 5, the customer or its input agent is "Yes" in "(4) Periodic purchase (increase in operating funds) & rebalancing / with or without purchase capacity adjustment". When is selected, the order creation means 24 is at the time of acquisition by the latest asset information acquired by the asset information acquisition means 23 and stored in the asset information storage means 33 (the time of acquisition of the latest asset information). The valuation amount of each stock that constitutes the portfolio and the total amount of the valuation amount of each stock at the time of acquisition plus the increased amount are set according to the target portfolio stored in the information storage means 34. Based on the difference between the amount and each issue, the issue and amount or quantity to be sold, the securities company that executes the sell order, the issue and amount or quantity to be purchased, and the securities company that executes the buy order are determined, and the sell order and buy order are determined. Execute the rebalancing process to create each order data of.

For example, in FIG. 8, as entered in the target portfolio setting unit 410, the stocks, order execution institutions, and holding ratios that make up the target portfolio are set, and rebalancing with a subscription is set. It is assumed that the increased amount = 200,000 yen is set as entered in the section 430 (see FIG. 10). Then, the valuation amount of each issue constituting the portfolio at the time of acquisition based on the latest asset information stored in the asset information storage means 33 is the amount described in the "current valuation amount" column of FIG. And. At this time, the total evaluation amount of each brand at the time of acquisition (current evaluation amount in FIG. 10) is 20 million yen, and when the increased amount of 200,000 yen is added to this, it becomes 20.200 million yen. Become. Assuming that this 20.2 million yen is allocated according to the holding ratio of the target portfolio, the state after rebalancing is 20.200 million yen for the investment trust α (securities company A) as shown in Fig. 10. × 30% = 6.06 million yen, investment trust β (securities company B) is 20.200 million yen × 20% = 4.04 million yen, and investment trust γ (securities company C) is 20.200 million yen. × 15% = 3.03 million yen, investment trust δ (securities company D) is 20.200 million yen × 15% = 3.03 million yen, and investment trust ε (securities company A) is 20.200 million yen. × 10% = 2.02 million yen, and for the investment trust λ (securities company B), 20.20 million yen × 10% = 2.02 million yen. Therefore, for the investment trust α (securities company A), the current valuation amount is 5.5 million yen, while the state after rebalancing is 6.06 million yen, so the purchase order is 560,000 yen (see FIG. 10). .. Regarding the investment trust β (securities company B), the current valuation amount is 4.5 million yen, while the state after rebalancing is 4.04 million yen, so the sell order is 460,000 yen (see Fig. 10). .. For other constituent stocks γ, δ, ε, λ, the trading amount is calculated in the same way. As a result, each order data for rebalancing (when there is an increase in operating funds) is created.

<Creation of order data for rebalancing with regular cashing (when there is a reduction in operating funds): Fig. 11>

In addition, on the asset management service menu screen 100 of FIG. 5, the customer or its input agent selects "Yes" in "(5) Periodic cashing (reduction of operating funds) & rebalancing / with or without adjustment of purchase capacity". When selected, the order creation means 24 is a portfolio at the time of acquisition by the latest asset information acquired by the asset information acquisition means 23 and stored in the asset information storage means 33 (at the time of acquisition of the latest asset information). The valuation amount of each issue constituting the above and the amount obtained by subtracting the reduction amount from the total valuation amount of each issue at the time of acquisition are set according to the target portfolio stored in the information storage means 34. The stock and amount or quantity to be sold, the securities company that executes the sell order, and the stock and amount or quantity to be purchased and the securities company that executes the buy order are determined based on the difference between the stocks and the stocks. Execute the rebalancing process to create each order data.

For example, in FIG. 8, it is assumed that the stocks, order execution institutions, and holding ratios constituting the target portfolio are set as input to the target portfolio setting unit 410 (see FIG. 11). Further, in the example of FIG. 8, although not shown, it is assumed that the reduction amount = 200,000 yen is set in the rebalancing setting unit 440 accompanied by the periodic cashing (see FIG. 11). Then, the valuation amount of each issue constituting the portfolio at the time of acquisition based on the latest asset information stored in the asset information storage means 33 is the amount described in the "current valuation amount" column of FIG. And. At this time, the total evaluation amount of each brand at the time of acquisition (current evaluation amount in FIG. 11) is 20 million yen, and if the reduction amount of 200,000 yen is subtracted from this, it becomes 19.8 million yen. Become. Assuming that this 19.8 million yen is allocated according to the holding ratio of the target portfolio, the state after rebalancing is 19.8 million yen for the investment trust α (securities company A) as shown in Fig. 11. × 30% = 5.94 million yen, investment trust β (securities company B) is 19.8 million yen × 20% = 3.96 million yen, and investment trust γ (securities company C) is 19.8 million yen. × 15% = 2.97 million yen, investment trust δ (securities company D) is 19.8 million yen × 15% = 2.97 million yen, investment trust ε (securities company A) is 19.8 million yen × 10% = 1.98 million yen, and for the investment trust λ (securities company B), it is 19.8 million yen × 10% = 1.98 million yen. Therefore, for the investment trust α (securities company A), the current valuation amount is 5.5 million yen, while the state after rebalancing is 5.94 million yen, so the purchase order is 440,000 yen (see FIG. 11). .. Regarding the investment trust β (securities company B), the current valuation amount is 4.5 million yen, while the state after rebalancing is 3.96 million yen, so the sell order is 540,000 yen (see Fig. 11). .. For other constituent stocks γ, δ, ε, λ, the trading amount is calculated in the same way. As a result, each order data for rebalancing (when there is a reduction in operating funds) is created.

<Creation of order data for purchase orders that accompanies the collection of usage fees for the purchase capacity adjustment service>

When the customer receives the purchase capacity adjustment service, the purchase capacity adjustment service usage fee (option fee) is collected from the customer, but this usage fee may be collected from the sale price. That is, instead of allocating the entire sale price of the sell order to the purchase fund of the buy order, the amount obtained by subtracting the usage fee of the purchase capacity adjustment service from the sale price is applied to the purchase fund of the buy order. May be good. In this case, when the order creating means 24 creates the order data of the buy order, the purchase amount is the amount obtained by subtracting the usage fee of the purchase reserve capacity adjustment service from the sale price.

The usage fee for the purchase capacity adjustment service may be a fixed amount, for example, 300 yen per month, and the amount corresponds to the adjustment period and the contribution amount (as described above, the contribution in the present invention is used for financing. Is not applicable, but if it is compared to a loan, it may be an amount equivalent to interest).

<Creation of order data when purchase capacity adjustment "None" is selected>

In the present embodiment, on the asset management service menu screen 100 of FIG. 5, the customer or the input agent thereof is selected from "(2) Continuous order (preceding sell order / subsequent buy order) / with or without purchase capacity adjustment". Even when "None" is selected, the order creation means 24 creates order data for each of the sell order and the buy order in the continuous order. In addition, "(3) Rebalancing / with or without purchase capacity adjustment", "(4) Periodic purchase (increase in operating funds) & rebalancing / with or without purchasing capacity adjustment", "(5) Periodic cashing (operation) Even if "None" is selected from "Reduction of funds) & Rebalancing / Adjustment of purchase capacity", the order creation means 24 creates each order data of sell order and buy order for various rebalancing. To do.

If "None" is selected for the purchase capacity adjustment, the adjustment bank system 50N will not make contributions and will not procure by itself. Therefore, for trading across multiple securities companies, the sale order will be sold. The purchase is made after delivery of the price (see the central part of FIG. 5). Therefore, the time difference between the sale process and the purchase process cannot be shortened, so that the effect of the present invention is not exhibited.

On the other hand, even if the purchase capacity adjustment "Yes" is selected, when the transaction does not span multiple securities companies, or the self-procured amount (of the funds used for connection (funds for advance allocation of purchase capacity)) When funds other than the amount of contribution from the coordinating banking system 50N) are sufficient, as a result, it may not be necessary to contribute from the coordinating banking system 50N. This is because when a transaction does not span multiple securities companies, the transaction is performed within the same securities company, so that there is no problem of time difference between the sale process and the purchase process. However, even if the trading is done within the same securities company, if the contract date of the sell order is not the same day (the same day as the order date), there may be a problem of time difference between the sale process and the purchase process. In that case, contributions from the coordinating bank system 50N, self-procurement may be made, or it is not necessary to wait for the delivery date of the sell order to execute the buy order (purchase capacity due to the execution of the sell order). It is not necessary to make contributions from the coordinating banking system 50N or self-procurement, considering that the impact will be small. In addition, when the self-procured amount is sufficient, the same effect as when making a contribution by the coordinating bank system 50N can be obtained, so that it is not necessary to make a contribution in the first place. However, even if the customer holds cash or cash-equivalent assets (MRF balance, etc.), it is not always possible to secure a sufficient amount of self-procurement. For some reason, for example, the purpose of use has already been decided. Since there are cases where these cash and cash-equivalent assets cannot be used as self-raised amounts or do not want to be raised, contributions are made by the coordinating bank system 50N in such cases. The amount of self-procurement is specified by the designation units 240, 330, 450 (FIGS. 6, 7, and 8) of the funds used for the connection.

<Configuration of purchase capacity adjustment service providing server 20 / adjustment information creation means 25>

The adjustment information creating means 25 provides a buying capacity adjusting service that adjusts the purchasing capacity of a customer across a plurality of securities company systems by using each order data of a sell order and a buy order created by the order creating means 24. In order to do so, whether or not the adjustment bank system 50N needs to contribute the funds for the advance allocation of the purchase capacity, including the determination of whether or not the execution processing of the sell order and the buy order is performed across the multiple securities company systems 40. If it is determined that contribution by the adjustment banking system 50N is necessary, the amount of contribution by the adjustment banking system 50N and the amount of this contribution will be sold from the date of payment to the purchase order execution agency or the day before the payment date. The process of determining the delivery date of the sale price of the order or the adjustment period until the day after the delivery date is executed.

<Determining the necessity of contribution by the coordinating bank system 50N>

When determining the necessity of contribution by the adjustment bank system 50N, the adjustment information creating means 25 determines whether or not the execution processing of the sell order and the buy order is performed across the plurality of securities company systems 40, and The process of determining whether or not the specified self-procured amount (see FIGS. 6, 7, and 8) is sufficient is executed. In addition, when rebalancing with a regular purchase, there is an increase in operating funds, so the above "whether or not the self-procured amount is sufficient" is "whether or not the self-procured amount or the increased amount is sufficient." In the following explanation, "a contribution amount or a self-raised amount is required" is replaced with "a contribution amount, a self-raised amount, or an increased amount is required".

First, the adjustment information creating means 25 receives the purchase funds (customer's reserve capacity for making the purchase) when the order data of the buy order of a certain brand is created by the order creating means 24. Determine if it can be secured by the sale price of another brand's sell order within the same securities company. If it is a sell order within the same securities company, the purchase process of the buy order can be performed even before the sale price of the sell order is delivered (because the purchase capacity can be secured), so in that case. This is because the amount of contribution by the coordinating bank system 50N or the amount of self-procurement from another financial institution (funding source financial institution) is not required. On the other hand, if there is no sell order within the same securities company, the contribution amount or self-procurement amount is required (it is necessary to deposit the funds for advance allocation of the purchase capacity by the contribution amount or self-procurement amount). to decide.

At this time, when there is a sell order within the same securities company, whether or not the contract date of the target issue of the sell order is the same day (same as the order date) is stored in the date determination information storage means 35. Judgment is made using the number of contract days of the target issue. If the issue is not executed on the same day as the order date of the sell order (the issue is executed on or after the day after the order date), the purchase process cannot be performed on the order date of the sell order, so the contribution amount or self-procurement Depending on the amount, it may be judged that the case is to deposit the funds for advance allocation of the purchase capacity, or the purchase process cannot be performed on the order date of the sell order, but at least the sale price of the sell order is delivered. Since the purchase process can be carried out without waiting for the above, it may be judged that the impact is small and it is not necessary to deposit the funds for the advance allocation of the purchase capacity. On the other hand, in the case of a stock that is executed on the same day as the order date of the sell order, it is determined that the contribution amount or the self-procured amount is not necessary because the purchase process can be performed on the order date of the sell order. This is because, normally, within the same securities company, if the sale price of the sell order can be secured on a contract basis, the purchase capacity is secured and the purchase process can be performed. Within the same securities company, the purchase process can be performed even before the execution of the sell order (that is, without waiting for the purchase capacity to be secured due to the increase in the monetary balance on the execution basis). If there is a securities company, it is judged that the contribution amount or self-procurement amount is not necessary because there is no problem of the time difference between the sale processing and the purchase processing.

In addition, in the above, when there is order data for a buy order, if it is possible to secure not all of the purchase funds but only a part of the purchase order with the sale price of the sell order within the same securities company, that is the case. For some amounts, it is judged that the contribution amount or self-raised amount is not necessary, and for the remaining part amount, it is judged that the contribution amount or self-raised amount is necessary.

Then, when the adjustment information creating means 25 determines that the contribution amount or the self-procured amount is necessary, it determines whether or not the self-procured amount is sufficient, and if it is insufficient, the adjustment bank system 50N contributes. Is determined to be necessary. At this time, if there are multiple buy orders and it is determined that the contribution amount or the self-procured amount is necessary for any of the multiple buy orders, the purchase funds of each of the multiple buy orders (of Determine whether or not the self-procured amount is sufficient based on the sum of the amount of contributions or the amount determined to require self-procured amount). There is an upper limit to the amount of self-financing, or there is no designation of the financial institution (financial institution to raise funds) to procure the amount of self-financing (when the customer has selected "Full contribution from the adjusting bank" ) Is also available. When rebalancing with a regular purchase, there is an increase in operating funds. Therefore, if the adjustment information creation means 25 determines that the contribution amount, self-procurement amount, or increase amount is necessary, , Judge whether the self-procured amount or the increased amount is sufficient, and if it is not enough, it is determined that the adjustment bank system 50N needs to contribute.

<Determination of adjustment period and contribution amount>

Next, when it is determined that the adjustment bank system 50N needs to contribute, the adjustment information creating means 25 places a sell order from the payment date of the funds for advance allocation of the purchase reserve capacity to the purchase order execution organization or the day before the payment date. The process of determining the delivery date of the sale price or the adjustment period until the day after the delivery date, and the contribution amount by the adjustment banking system 50N is executed.

At this time, the order date of the purchase order, the payment deadline date of the funds for advance allocation of the purchase capacity advance allocation to the purchase order execution organization to be the order date, the actual deposit date, and the purchase reserve capacity advance on the deposit date The relationship with the remittance date for contributions by the Coordinating Banking System 50N to ensure that the appropriation funds are deposited into the buy order execution agency is as follows. First, there is a payment deadline date for the funds for advance allocation of purchase capacity required to execute a buy order (execute the purchase process) with a certain day as the order date, and the payment deadline date is usually a purchase. It may be the same day as the order date of the order, but it may be earlier than that, according to the agreement of the securities company. Then, the amount of contribution to the purchase order execution organization as the funds for the advance allocation of the purchase capacity may be paid by the payment deadline date (the payment deadline date or the day before that), but the adjustment period is the shortest. In order to do so, the contribution amount may be paid on the payment deadline. Therefore, on the same day as or before the order date of the buy order, there is a payment deadline date for the funds for advance allocation of the purchase capacity, and the purchase to the securities company that executes the buy order by the payment deadline date. Since it is only necessary to actually deposit the funds for advance allocation of surplus capacity, the deposit date of the funds for advance allocation of reserve capacity may be the order date of the buy order, but the day before the order date of the buy order. May be.

In addition, the beginning of the adjustment period is set to "the date of deposit of funds for advance allocation of purchase capacity to the purchase order execution agency or the day before the deposit date", and "the day before the deposit date" is included in the system processing. Due to timing reasons (for example, due to nighttime batch processing), the actual contribution amount to the securities company that executes the buy order is not made on the remittance date for contribution by the adjustment banking system 50N. Since it may be the next day, in such a case, the remittance for contribution by the adjustment bank system 50N will be made on the day before the deposit date of the funds for advance allocation of the purchase capacity to the purchase order execution agency. Is.

Specifically, for example, when October 3 is the order date of the buy order, the deadline for depositing the funds for advance allocation of the purchase capacity to the purchase order execution agency is usually October 3 (or , Depending on the securities company, it may be October 2nd or earlier.) Therefore, the deposit date of the funds for advance allocation of purchase capacity is October 3rd (or October). 2 days or earlier). If the contribution amount of the adjustment banking system 50N is deposited to the securities company that executes the buy order on the same day, the adjustment period starts on October 3 (or October 2 or earlier). However, due to the timing of system processing, if the contribution amount is remitted the day before the deposit date, the start of the adjustment period will be October 2 (or October 1 or higher). The day before).

In addition, in order to shorten the time difference between the sale process and the purchase process, in principle, the order date of the sell order and the order date of the buy order shall be the same day. As in the specific example above, the deposit date and the start of the adjustment period for the funds for advance allocation of purchase capacity may be earlier than the order date of the purchase order. The deposit date of the appropriation funds and the beginning of the adjustment period may be earlier than the order date of the sell order.

Here, for continuous orders, if the same day execution is selected while the order creation means 24 is accepting the input of order data, whether or not that day can be the order date for both the sell order and the buy order. When it is determined by using the order availability date of each stock to be bought and sold stored in the date determination information storage means 35, and the date cannot be the order date of both the sell order and the buy order (for example,). If one of the issues falls on an overseas holiday, etc.), a display will be displayed to inform the customer or its input agent. Further, if an order is reserved while the order creation means 24 is accepting the input of order data, whether or not the reserved order date can be the order date of both the sell order and the buy order. It is determined by using the order availability date of each stock to be bought and sold stored in the date determination information storage means 35, and if it is a date that cannot be the order date of both the sell order and the buy order, the date is determined. Notify the customer or its input agent and display a prompt to make a reservation for another order date.

Further, at the time of rebalancing, a plurality of sell orders and a plurality of buy orders may be placed, and in principle, the order dates of the plurality of sell orders and the plurality of buy orders shall be the same. Therefore, even at the time of rebalancing, when each order data of a plurality of sell orders and a plurality of buy orders is created by the order creation means 24, the order dates of the plurality of sell orders and the plurality of buy orders are set to the same day. Whether or not it can be achieved is determined using the order availability date of each stock to be traded stored in the date determination information storage means 35, and the same date is selected as each order date. However, if the same day cannot be found at the time when rebalancing should be performed (within the allowable range) due to a large number of trading stocks, etc., as an exception, multiple sell orders and multiple buy orders Each order date may be a different date. In addition, even if the same day is selected for each order date of a plurality of sell orders and the same day is not necessarily required for each order date of a plurality of buy orders, it is an exceptional process. ..

In addition, the end of the adjustment period is set as "the delivery date of the sale price of the sell order or the day after the delivery date", and "the day after the delivery date" is included because of the timing of system processing (for example, nighttime batch). This is because the contribution amount to the adjustment bank system 50N may not be refunded on the delivery date due to the convenience of processing, etc., and it may be the next day. The delivery date of the sale price of the sell order of each brand is determined by using the number of delivery days of the target brand stored in the date determination information storage means 35.

Further, at the time of rebalancing, a plurality of sell orders may be placed, but the delivery dates of these plurality of sell orders are not necessarily the same day. If the delivery dates of multiple sell orders are not the same, the adjustment banking system will be put together on the same day after the latest delivery date (the latest delivery date of the sell orders for each issue) arrives. The contribution amount may be refunded to 50N, or for the sell order of the issue whose delivery date arrives early, the contribution amount refund processing may be advanced step by step by the sale price obtained sequentially. As in the former case, when the contribution amount is refunded collectively on the same day, the end of the adjustment period is one, but when the adjustment period is made in stages, the end of the adjustment period is different for each issue. It becomes a thing.

In addition, the adjustment information creation means 25 uses the amount of contribution or the amount of self-procurement determined to be necessary at the time of determining the necessity of contribution as described above, and the funds for advance allocation of the purchase capacity. Determined by deducting the self-procured amount that can be.

<Specific examples of contributions made during rebalancing>

For example, in the rebalancing shown in Fig. 9 (when there is no increase or decrease in operating funds), the purchase fund raising method is the contribution amount (when making a contribution by the adjustment bank system 50N) and the self-procured amount (specified other). In the case of procuring from a financial institution (funding source financial institution), in the example of Fig. 9, the self-procured amount is zero) and the in-house sale (the sale price of the sell order within the same securities company). When appropriating). Then, for the investment trust α (securities company A), a buy order of 500,000 yen is made, but since there is a sell order of 200,000 yen for the investment trust ε within the same securities company A, this 200,000 yen is used. The amount will be allocated to the purchase funds through the in-house sale, and the remaining 300,000 yen will be allocated to the purchase funds from the contribution amount. In addition, for the investment trust δ (securities company D), the purchase order is 100,000 yen, but since there is no sell order within the same securities company D, the entire amount of 100,000 yen will be used as the purchase fund by the contribution amount. Appropriate amount. Furthermore, for the investment trust λ (securities company B), a buy order of 300,000 yen is made, but since there is a sell order of 500,000 yen for the investment trust β within the same securities company B, of this 500,000 yen 300,000 yen will be used for the purchase funds from the in-house sale. As a result, the entire amount of the purchase funds of 300,000 yen can be secured, so that the amount allocated to the purchase funds by the contribution amount may be zero.

Further, in the rebalancing accompanied by the periodic purchase in FIG. 10 (when there is an increase in operating funds), the amount of contribution (when making a contribution by the adjustment bank system 50N) and the increased amount (when the adjustment bank system 50N is used) and the increased amount (when there is an increase in operating funds) In the example of, 200,000 yen) and the self-procured amount (in the case of procuring from another designated financial institution (funding source financial institution), in the example of FIG. 10, the self-procured amount is zero). And in-house sale (when the sale price of the sell order within the same securities company is applied). The investment trust α (securities company A) has a buy order of 560,000 yen, but since there is a sell order of 180,000 yen for the investment trust ε within the same securities company A, this 180,000 yen is used. The portion will be allocated to the purchase funds through the in-house sale, and the remaining 380,000 yen will be allocated to the purchase funds by the contribution amount or the increased amount. In this case, the method of allocating the contribution amount or the increase amount for 380,000 yen is not one method. For example, the contribution amount = 180,000 yen and the increase amount = 200,000 yen (the entire amount of the increase amount is the investment trust α). It may be applied to the purchase funds), or the contribution amount = 310,000 yen and the increase amount = 70,000 yen (when the purchase funds of the investment trust δ are secured only by the increase amount). In addition, for the investment trust δ (securities company D), the buy order is 130,000 yen, but since there is no sell order within the same securities company D, the entire amount of 130,000 yen is bought by the contribution amount or the increased amount. Appropriate for the attached funds. In this case, the method of allocating the contribution amount or the increase amount for 130,000 yen is not one method. For example, the contribution amount = 130,000 yen and the increase amount = 0,000 yen (the entire amount of the increase amount is the investment trust α). It may be applied to the purchase funds), or the contribution amount = 0,000 yen and the increase amount = 130,000 yen (when the purchase funds of the investment trust δ are secured only by the increase amount). Furthermore, for the investment trust λ (securities company B), a buy order of 320,000 yen is made, but since there is a sell order of 460,000 yen for the investment trust β within the same securities company B, of this 460,000 yen 320,000 yen will be used for the purchase funds from the in-house sale. As a result, the entire amount of the purchase funds of 320,000 yen can be secured, so that the amount allocated to the purchase funds by the contribution amount may be zero.

Furthermore, in the rebalancing accompanied by the periodic cashing in FIG. 11 (when there is a reduction in operating funds), the contribution amount (when making a contribution by the adjustment bank system 50N) and the self-procurement amount (designated) are used as the purchase fund procurement method. In the case of procuring from another financial institution (funding source financial institution), in the example of Fig. 11, the self-procured amount is zero) and the in-house sale (sale of the sell order within the same securities company). When applying the price). The investment trust α (securities company A) has a buy order of 440,000 yen, but since there is a sell order of 220,000 yen for the investment trust ε within the same securities company A, this 220,000 yen is used. The portion to be allocated to the purchase funds through the in-house sale, and the remaining 220,000 yen will be allocated to the purchase funds from the contribution amount. In addition, for the investment trust δ (securities company D), the purchase order is 70,000 yen, but since there is no sell order within the same securities company D, the entire amount of 70,000 yen will be used as the purchase fund by the contribution amount. Appropriate amount. Furthermore, for the investment trust λ (securities company B), a buy order of 280,000 yen is made, but since there is a sell order of 540,000 yen for the investment trust β within the same securities company B, of this 540,000 yen 280,000 yen will be used for the purchase funds from the in-house sale. As a result, the entire amount of the purchase funds of 280,000 yen can be secured, so that the amount allocated to the purchase funds by the contribution amount may be zero.

<When using the sale price of another sell order to refund the contribution amount>

As described above, the order creating means 24 creates each order data of the sell order and the buy order regardless of whether the continuous order is accepted or various rebalancings are performed. It shall be called "sell order". Then, there is another sell order whose delivery date arrives on the day before the delivery date of the sale price of this set of sell orders, and the execution processing of the set sell order and the other sell order is the same securities. It may be done in the company system 40. Here, the delivery date of the other sell order is the standard that is from the payment date of the purchase funds of the buy order or the day before this payment date to the delivery date of the sale price of the group sell order or the day after this delivery date. It shall arrive during the lengthy adjustment period. In this case, the sale price of the other sell order can be used to refund the contribution amount. The customer may choose whether or not to use it. In other words, by using the sale price of another sell order whose delivery date arrives earlier and refunding at least a part of the contribution amount, the contribution by the sale price of the sell order whose delivery date comes later You can either not refund the amount or reduce the refund amount. Therefore, at least a part of the contribution amount will be processed in a similar manner to the prepayment, but since the information about the other sell order is known at the time of creating the adjustment information, the prepayment will be exact. Instead, it will be the planned refund. This is different from a refund if an order is canceled or corrected for an unscheduled refund. In addition, since the amount of money that uses the sale price of another sell order is reduced by the amount of money that uses the sale price of another sell order, the exchange amount that should have been obtained on the delivery date of another sell order is It will be obtained on the delivery date of the set sell order.

Specifically, the adjustment information creating means 25 has a standard length adjustment period (purchase reserve capacity) when there is another sell order as described above and the sale price of the other sell order is equal to or greater than the contribution amount. Instead of the deposit date of the advance allocation funds or the period from the day before this deposit date to the delivery date of the sale price of the group's sell order or the day after this delivery date), the deposit date of the advance allocation funds or this A process of determining a short adjustment period from the day before the deposit date to the delivery date of the sale price of the other sell order or the day after the delivery date can be executed.

For example, the payment date of the purchase funds of the buy order is October 1, the delivery date of the sale price of the group sell order is October 4, and the adjustment period of the standard length is October 1. It is October 4th, and the contribution amount is 200,000 yen. At this time, if the delivery date of the sale price of another sell order is October 2, and the sale price is 300,000 yen, the entire contribution amount of 200,000 yen will be higher than October 4. Refunds can be made early and the adjustment period can be short from October 1st to October 2nd.

Further, when the adjustment information creating means 25 has another sell order as described above and the sale price of the other sell order is less than the contribution amount, the adjustment information creating means 25 has a delivery date of the sale price of the other sell order. It is possible to execute a process of reducing the contribution amount on the next day or the day after the next day by the sale price of the other sell order.

For example, the deposit date of the funds for advance allocation of purchase capacity is October 1, the delivery date of the sale price of the group's sell order is October 4, and the adjustment period of the standard length is October 1. It is October 4th from the date, and the contribution amount is 200,000 yen. At this time, if the delivery date of the sale price of another sell order is October 2, and the sale price is 150,000 yen, it is 150,000 yen, which is a part of the contribution amount of 200,000 yen. Can be refunded earlier than October 4th, and the contribution amount for the period from October 1st to October 2nd is 200,000 yen, and for the period from October 3rd to October 4th. The amount of contribution can be reduced by 150,000 yen to 50,000 yen.

<Configuration of purchase capacity adjustment service providing server 20 / operation management information creation means 26>

When the operation management information creating means 26 determines that the adjustment information creating means 25 needs to contribute, the operation management information creating means 26 prepares each order data of the sell order and the buy order created by the order creating means 24, and the adjustment information creating means. Using the adjustment information (adjustment period and contribution amount) determined in 25, the sell order instruction information for executing the sell order, the sell order management information including the transmission timing / destination information of the sell order instruction information, and the buy order. Purchase order instruction information for executing, purchase order management information including transmission timing and destination information of this purchase order instruction information, and contribution amount for depositing the contribution amount as funds for advance allocation of purchase capacity. Create deposit / withdrawal management information including remittance instruction information, remittance instruction information for refund to refund the contribution amount by the sale price, and each transmission timing / destination information of these remittance instruction information, and for the asset management system 10 ( The process of associating with the customer identification information (ID) of the service provider) and storing it in the operation management information storage means 36 is executed.

Here, the "transmission timing" includes the date and the transmission order and / or transmission time of each instruction information.

Further, in the operation management information creating means 26, when the customer selects “with” the purchase capacity adjustment but the adjustment information creating means 25 determines that contribution is not necessary, and when the customer selects the purchase capacity adjustment “none”. Is also selected, in the same manner, operation management information (sell order management information, buy order management information, and deposit / withdrawal management information) is created, and a process of storing the operation management information storage means 36 is executed. In these cases, contribution by the coordinating bank system 50N is not required, so the deposit / withdrawal management information to be created includes the transfer instruction information for contribution, the transfer instruction information for refund, and the transmission timing of each of these transfer instruction information. Destination information is not included.

Further, when the operation management information creating means 26 performs rebalancing (when there is an increase in the operation fund) accompanied by the periodic purchase, the operation management information creation means 26 uses the purchase fund as the deposit / withdrawal management information to the securities company that executes the purchase order. The remittance instruction information for raising the increased amount for depositing the increased amount to be applied and the transmission timing / destination information of the remittance instruction information are created, and the process of storing the increased amount in the operation management information storage means 36 is also executed.

In addition, when performing rebalancing (when there is a reduction in operating funds) accompanied by regular cashing, the operation management information creating means 26 transfers the conversion amount as deposit / withdrawal management information based on the sale price obtained from the sell order. The process of creating the remittance instruction information for the transfer of the amount of money to be exchanged and the transmission timing / destination information of the remittance instruction information and storing it in the operation management information storage means 36 is also executed.

Then, the operation management information creating means 26 deposits and withdraws when the self-procured amount is specified by the designated units 240, 330, 450 (see FIGS. 6, 7, and 8) of the funds used for remittance. As management information, remittance instruction information for self-procurement for depositing the self-raised amount as funds for advance allocation of purchase capacity and transmission timing / destination information of this remittance instruction information are created, and the sale price is self-procured. Source of funds for raising the amount Remittance instruction information for returning the self-procured amount for returning to the bank or securities company that became the financial institution, and the transmission timing / destination information of this remittance instruction information are created and stored in the operation management information storage means 36. It also executes the process of storing.

Further, when the operation management information creating means 26 receives the input of the order cancellation (cancellation of the ordered and unfilled order) by the order creating means 24 (see the bottom of FIGS. 6 and 7), the operation management information creating means 26 sells. To create sell order cancellation instruction information for canceling a sell order and transmission timing / destination information of this sell order cancellation instruction information as order management information, and to cancel a buy order as buy order management information. The purchase order cancellation instruction information and the transmission timing / destination information of this purchase order cancellation instruction information were created, and further, as deposit / withdrawal management information, the purchase order was deposited to the securities company that executes the purchase order as funds for advance allocation of purchase capacity. The process of creating the remittance instruction information for cancellation refund for refunding the contribution amount earlier than planned and the transmission timing / destination information of the remittance instruction information and storing it in the operation management information storage means 36 is also executed.

For example, if the order date for both the sell order and the buy order is October 1st, and the cancellation of the ordered and unfilled order is October 2nd, the securities company that executes the buy order has already been contacted. The full amount of the deposited contribution can be refunded on October 2nd. Since the case where cancellation can be performed is described in detail in the description of the order creation means 24 (see the bottom of FIGS. 6 and 7), detailed description will be omitted here.

Further, when the operation management information creating means 26 accepts the input of the order correction (correction of the reduction of the order amount or the order quantity for the ordered and unfilled order) by the order creating means 24 (FIGS. 6 and 7). (Refer to the bottom of), as sell order management information, create sell order correction instruction information for correcting sell orders and transmission timing / destination information of this sell order correction instruction information, and as buy order management information. , Creates the buy order correction instruction information for correcting the buy order and the transmission timing / destination information of this buy order correction instruction information, and further purchases to the securities company that executes the buy order as deposit / withdrawal management information. Remittance instruction information for correction refund and transmission timing / destination information of this remittance instruction information are created to refund the reduced amount of the contribution amount deposited as the reserve reserve allocation fund earlier than planned, and the operation management information is stored. The process of storing in the means 36 is also executed.

For example, if the order date for both the sell order and the buy order is October 1, and the initial contribution amount is 300,000 yen, the order amount for the ordered and unfilled sell order and buy order is 30. Assuming that the correction (reduction of 100,000 yen) to reduce from 10,000 yen to 200,000 yen was made on October 2, 100,000 yen out of the 300,000 yen already paid to the securities company that executes the buy order. Can be refunded on October 2nd. Since the case where the correction can be made is described in detail in the description of the order creation means 24 (see the bottom of FIGS. 6 and 7), the detailed description will be omitted here.

Then, when the operation management information creating means 26 uses the sale price of another sell order for refunding the contribution amount, and the sale price of the other sell order is equal to or more than the contribution amount, the operation management information creation means 26 can be used as deposit / withdrawal management information. Remittance instruction information for refund to refund the contribution amount by the sale price of the set sell order and the contribution amount is refunded by the sale price of the other sell order instead of the transmission timing / destination information of this remittance instruction information. The remittance instruction information for refund and the transmission timing / destination information of the remittance instruction information are created, and the process of storing the remittance instruction information in the operation management information storage means 36 is executed. Since a specific example has already been described in detail in the description of the adjustment information creating means 25, detailed description will be omitted here.

Further, when the operation management information creating means 26 uses the sale price of another sell order to refund the contribution amount, when the sale price of the other sell order is less than the contribution amount, the operation management information creation means 26 can be used as deposit / withdrawal management information. Remittance instruction information for refund to refund the contribution amount by the sale price of the set sell order and one of the contribution amount by the sale price of the other sell order instead of the transmission timing / destination information of this remittance instruction information Create remittance instruction information for intermediate refund to refund the part and transmission timing / destination information of this remittance instruction information, and refund the remaining part of the contribution amount by a part of the sale price of the group's sell order. The remittance instruction information for the final refund and the transmission timing / destination information of the remittance instruction information are created, and the process of storing the remittance instruction information in the operation management information storage means 36 is executed. Since a specific example has already been described in detail in the description of the adjustment information creating means 25, detailed description will be omitted here.

<Configuration of purchase capacity adjustment service providing server 20 / operation processing means 27>

When it is determined by the adjustment information creating means 25 that the operation processing means 27 needs to contribute, the sales order management information created by the operation management information creating means 26 and stored in the operation management information storage means 36 is stored in the operation management information storage means 36. According to the buy order management information and the deposit / withdrawal management information, the securities company system 40 which is the sell order execution agency, the securities company system 40 which is the buy order execution agency, the adjustment bank system 50N, and the deposit / withdrawal between the customer and the securities company. Registered banking system for each financial institution system including banking system 50 including 50X, 50Y, 50Z, ... Customer identification information (ID) for each financial institution or tokens or other alternatives to these IDs. Using the alternative information, the operation process including the transmission of the sell order instruction information, the buy order instruction information, and the remittance instruction information is executed via the network 1.

In the operation processing means 27, when the customer selects “with” the purchase capacity adjustment but the adjustment information creation means 25 determines that contribution is not necessary, and when the customer selects “without” the purchase capacity adjustment. In this case, similarly, a plurality of finances are made according to the sell order management information, the buy order management information, and the deposit / withdrawal management information created by the operation management information creation means 26 and stored in the operation management information storage means 36. Sell order instruction information, buy order instruction information, and buy order instruction information via network 1 using customer identification information (ID) for each financial institution or tokens or other alternative information in lieu of these IDs to and from the institutional system. Operational processing including transmission of remittance instruction information is executed, but in these cases, since contribution by the coordinating bank system 50N is not required, transmission / reception processing with the coordinating bank system 50N is not performed.

More specifically, the operation processing means 27 executes various processes as the operation process as follows. The access method to each financial institution system (each securities company system 40, each bank system 50) at the time of execution of the operation process is the same as in the case of the asset information acquisition means 23, and the asset information is used with reference to FIGS. Since it has already been described in detail in the description of the acquisition means 23, detailed description will be omitted here.

That is, as an operation process, the operation processing means 27 executes the sell order instruction information via the network 1 according to the transmission timing / destination information of the sell order management information stored in the operation management information storage means 36. The sell order process to be transmitted to the securities company system 40 to be processed is executed. Here, the sell order instruction information includes the contents of the order data of the sell order (brand to be sold, amount or quantity, distinction between buying and selling (selling), etc.). Then, the securities company system 40, which has received the sell order instruction information transmitted by the investment trust management means 27, buys and sells the investment trust by data linkage with the system of the investment trust management company (not shown). If the processing is executed and the stock is bought or sold, the order processing of the buying and selling order to a market system (stock exchange system, private trading system, etc.) (not shown) is executed.

Further, when the operation processing means 27 determines that the adjustment information creation means 25 requires contribution, the operation processing means 27 transmits the transmission timing / transmission of the deposit / withdrawal management information stored in the operation management information storage means 36 as the operation process. According to the above information, remittance instruction information for contribution to ensure that the contribution amount is paid to the securities company that executes the buy order on the day before the delivery date of the sale price of the sell order, network 1 Performs a contribution process to be sent to the Coordinating Banking System 50N via. Here, the remittance instruction information for contribution includes adjustment information including the contribution amount, the adjustment period, and the contribution destination information (the institution that receives the contribution amount) determined by the adjustment information creating means 25.

Further, as an operation process, the operation processing means 27 executes the buy order instruction information via the network 1 according to the transmission timing / destination information of the buy order management information stored in the operation management information storage means 36. The buy order process to be transmitted to the securities company system 40 to be processed is executed. Here, the buy order instruction information includes the contents of the order data of the buy order (brand to be purchased, amount or quantity, distinction between buying and selling (buying), etc.). Then, the securities company system 40 that has received the buy order instruction information transmitted by the investment processing means 27 is based on data linkage with the system of the investment trust management company (not shown), as in the case of receiving the sell order instruction information. Executes investment trust buying and selling processing and stock buying and selling orders to market systems (not shown).

Further, when the operation processing means 27 determines that the adjustment information creating means 25 requires contribution, the operation processing means 27 transmits the transmission timing / transmission of the deposit / withdrawal management information stored in the operation management information storage means 36 as the operation process. According to the above information, the remittance instruction information for refund to enable the refund to the adjustment bank system 50N by the sale price on the delivery date of the sale price of the sell order or the day after the delivery date is provided via the network 1. The refund process of sending to the registered bank system 50X, 50Y, 50Z, ... And / or the securities company system 40 that executed the sell order is executed.

Further, when the operation processing means 27 performs rebalancing accompanied by a periodic purchase (when there is an increase in the operation funds), the operation processing means 27 transmits the deposit / withdrawal management information stored in the operation management information storage means 36 as the operation processing. Remittance instruction information for raising the increased amount to ensure that the increased amount is deposited to the securities company that executes the buy order on the day before the delivery date of the sale price of the sell order according to the timing and destination information. Is also executed in the increased amount procurement process of transmitting the information to the bank system 50 that withdraws the increased amount via the network 1.

Further, when the operation processing means 27 performs rebalancing accompanied by periodic cashing (when there is a reduction in the operation fund), the operation processing means the transmission timing of the deposit / withdrawal management information stored in the operation management information storage means 36. -For transfer of the exchange amount to the bank system 50 of the transfer destination by the sale price on the delivery date of the sale price of the sell order or the day after the delivery date according to the destination information. Remittance instruction information is transmitted to the registered bank system 50X, 50Y, 50Z, ... And / or the securities company system 40 that executed the sell order via the network 1. Also run. In this conversion amount transfer process, when the sale processing is performed by a plurality of securities companies and the withdrawal destinations of the sale price are distributed to a plurality of registered bank systems 50X, 50Y, 50Z, ..., The conversion amount is one. This is a process of concentrating on the banking system 50 (the banking system 50 of the transfer amount designated by the customer).

In addition, when the operation processing means 27 specifies the self-procured amount in the designated units 240, 330, 450 (see FIGS. 6, 7, and 8) of the funds used for the connection, the operation processing means 27 is added to the contribution processing. , Self-procured amount to the securities company that executes the buy order on the day before the delivery date of the sale price of the sell order according to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means 36. The self-procurement process is executed in which the remittance instruction information for self-procurement for making the deposit is transmitted to the bank system 50 or the securities company system 40, which is the financial institution that is the source of the funds for procurement, via the network 1.

Further, when the operation processing means 27 specifies the self-procured amount in the designated units 240, 330, 450 (see FIGS. 6, 7, and 8) of the funds used for the connection, the operation processing means 27 is added to the refund processing. , According to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means 36, the sale price of the sell order is delivered to the financial institution on the delivery date or the day after the delivery date. Registered bank system 50X, 50Y, 50Z, ... And / or sell order for which the sale price was withdrawn via network 1 with the remittance instruction information for self-procurement amount refund so that the procurement amount can be returned. It also executes the self-financing amount refund processing to be transmitted to the securities company system 40 that has performed the execution processing.

Further, when the operation processing means 27 receives the input of the cancellation of the order (cancellation of the ordered and uncontracted order) by the order creating means 24, the operation processing means 27 is stored in the operation management information storage means 36 as the operation process. According to the transmission timing / destination information of the sell order management information, the sell order cancellation process of transmitting the sell order cancellation instruction information to the same securities company system 40 as the destination of the sell order instruction information is executed via the network 1. Further, the operation processing means 27 sends the buy order cancellation instruction information to the destination of the buy order instruction information via the network 1 according to the transmission timing / destination information of the buy order management information stored in the operation management information storage means 36. The purchase order cancellation process to be transmitted to the same securities company system 40 as is executed. Further, the operation processing means 27 contributes to the securities company that executes the purchase order as the funds for advance allocation of the purchase capacity according to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means 36. A cancellation refund process is executed in which the remittance instruction information for cancellation refund for refunding the amount to the adjustment bank system 50N is transmitted to the same securities company system 40 as the destination of the purchase order instruction information via the network 1.

Further, when the operation processing means 27 receives the input of the order correction (correction of the reduction of the order amount or the order quantity for the ordered and unfilled order) by the order creation means 24, the operation processing means 27 operates as the operation processing. According to the transmission timing / destination information of the sell order management information stored in the management information storage means 36, the sell order correction instruction information (including the corrected order amount or order quantity) is sent to the sell order instruction information via the network 1. Executes the sell order correction process to be transmitted to the same securities company system 40 as the destination of. Further, the operation processing means 27 provides the buy order correction instruction information (including the corrected order amount or order quantity) according to the transmission timing / destination information of the buy order management information stored in the operation management information storage means 36. The buy order correction process to be transmitted to the same securities company system 40 as the destination of the buy order instruction information via the network 1 is executed. Further, the operation processing means 27 adjusts the reduction amount of the contribution amount deposited as the funds for advance allocation of the purchase capacity according to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means 36. A correction refund process is executed in which the remittance instruction information for correction refund for refunding to 50N is transmitted to the same securities company system 40 as the destination of the purchase order instruction information via the network 1.

Further, when the operation processing means 27 uses the sale price of another sell order to refund the contribution amount, when the sale price of the other sell order is equal to or more than the contribution amount, the operation management information storage is performed as an operation process. Refund to apply the sale price obtained by executing the other sell order to refund the contribution amount to the adjustment bank system 50N according to the transmission timing / destination information of the deposit / withdrawal management information stored in the means 36. The registered bank system 50X, 50Y, 50Z, ... And / or the securities that executed the execution processing of the other sell order, to which the sale price of the other sell order was withdrawn via the network 1. Execute the refund process to be sent to the company system 40.

Further, when the operation processing means 27 uses the sale price of another sell order to refund the contribution amount, when the sale price of the other sell order is less than the contribution amount, the operation management information storage is performed as an operation process. According to the transmission timing / destination information of the deposit / withdrawal management information stored in the means 36, the sale price obtained by executing the other sell order is applied to a partial refund of the contribution amount to the adjustment bank system 50N. Transfer instruction information for intermediate refund for, registered bank system 50X, 50Y, 50Z, ... And / or execution processing of the other sell order to which the sale price of the other sell order was withdrawn via network 1. The intermediate refund process to be sent to the securities company system 40 that performed the above is executed. In addition, the operation processing means 27 provides remittance instruction information for the final refund for allocating the sale price obtained by executing the sell order of the group to the refund of the remaining part of the contribution amount to the adjustment bank system 50N. , The registered bank system 50X, 50Y, 50Z, ..., Where the sale price of the set sell order was withdrawn via network 1, and / or the final refund sent to the securities company system 40 that executed the set sell order. Execute the process.

Further, in parallel with the operation processing, the operation processing means 27 creates and updates the reserve capacity management information for managing the state of the purchase reserve capacity adjustment of the customer, and together with the customer identification information (ID) for the asset management system 10. A process of associating and storing the remaining capacity management information storage means 37 (FIGS. 24 and 25) is executed.

The example of FIG. 24 is an example corresponding to the case of self-procurement in the data input example of the continuous order shown in FIG. 6, in which the investment trust β = 1 million yen of the securities company B is sold and the securities company A sells the investment trust β = 1 million yen. The investment trust α is purchased, and the contribution amount from the adjustment bank system 50N = 700,000 yen and the self-procurement amount = 300,000 yen are used as the funds for the advance allocation of the purchase capacity at this time. The example of FIG. 25 is an example corresponding to the rebalancing process (when there is no increase or decrease of operating funds) shown in FIG.

Specifically, as shown in FIGS. 24 and 25, the operation processing means 27 includes securities companies A, B, C, D, ... And service providers (external business operators) that fluctuate as the purchase capacity is adjusted. ) Manage the status of the customer's assets. The adjustment-based monetary balance shows the asset balance of the customer during the adjustment of the purchasing capacity. Since this adjustment-based monetary balance reflects the movement of the customer's assets at an earlier stage than the contract-based monetary balance, there is a request from the customer to adjust the purchase capacity (the purchase capacity adjustment "Yes" is selected), and the adjustment is made. If it is determined that contribution from the banking system 50N is necessary, it is assumed that other stocks will be purchased using the selling price of the stock to be sold, even before the execution of the sell order. The asset transfer of the customer is carried out.

However, since the adjustment-based monetary balance is data showing the status of virtual customer asset movements based on the customer's request for purchase capacity adjustment, the asset status of each securities company A, B, C, D, ... It does not affect the contract-based or delivery-based monetary balance, the contract-based or delivery-based securities balance), and the asset management within the securities company system 40 of each securities company A, B, C, D, ... There is no adjustment-based monetary balance data, only the normal processing from. Therefore, in FIGS. 24 and 25, the data of the adjustment-based monetary balance of the securities companies A, B, C, and D are shown, and these data are the securities company systems of the securities companies A, B, C, and D. It is not the data managed by 40, but the data managed by the purchase capacity adjustment service providing server 20. Further, in FIGS. 24 and 25, the adjustment-based monetary balance of the service provider is virtual and temporary from each securities company A, B, C, D to the service provider based on the request of the customer to adjust the purchase capacity. It is the data showing the status of the assets moved to, and this is also the data managed by the purchase capacity adjustment service providing server 20. Therefore, in FIGS. 24 and 25, the adjustment-based monetary balance data of the securities companies A, B, C, and D and the adjustment-based monetary balance data of the service provider are both the purchase capacity adjustment service providing server 20. It is the data managed in (data stored in the surplus capacity management information storage means 37), and all of them are data indicating the asset status of the customer, and the customer's assets are during the purchase reserve capacity adjustment. It shows where you are moving (whether it is each securities company A, B, C, D, or a service provider). Then, the adjustment-based monetary balance data shows the movement of virtual assets, so it takes a negative value.

In addition, in FIGS. 24 and 25, the data of the contract-based and delivery-based monetary balances of the securities companies A, B, C, and D, and the data of the investment trust holding balance (contract-based valuation amount) are shown. However, these data are data managed by the securities company system 40 of each securities company A, B, C, D. However, these data may be acquired by the asset information acquisition means 23 and managed by the purchase capacity adjustment service providing server 20.

Specifically, in the example of FIG. 24, when the adjustment information creation means 25 determines the contribution amount from the adjustment bank system 50N = 700,000 yen (because there is a self-procured amount of 300,000 yen), based on this. , The investment processing means 27 starts adjusting the purchase capacity, first makes an adjustment between the securities company B, which is the selling order executing agency, and the service provider, and contributes from the adjustment-based monetary balance of the securities company B. The amount will be reduced by 700,000 yen to make the balance -700,000 yen, and the balance will be 700,000 yen by adding the contribution amount of 700,000 yen to the adjustment base monetary balance of the service provider. At this point, the assets of the customer entrusted to the securities company B are 1 million yen of the investment trust β, but considering the adjustment base monetary balance of -700,000 yen, 1 million yen-700,000 yen = 30 There is only 10,000 yen, and assets of 700,000 yen have already been virtually transferred to the service provider. Therefore, the adjusted base monetary balance of the service provider is 700,000 yen at this point.

Then, when the adjustment bank system 50N makes a contribution to the securities company A, which is the purchase order execution agency, and the contribution amount of 700,000 yen is remitted, the adjustment base monetary balance at the service provider = 0,000 yen. .. On the other hand, if securities company A has a deposit of 700,000 yen and a self-procured amount of 300,000 yen from bank Z, which is a source of financing, securities company A has an adjustment-based monetary balance = 1 million yen, contract-based monetary balance = 1 million yen. Then, when the securities company A purchases 1 million yen of the investment trust α, the balance of the investment trust α at the securities company A increases by 1 million yen to 4 million yen, and the adjustment base monetary balance = 0. 10,000 yen, contract-based monetary balance = 0,000 yen.

In addition, at securities company B, the sold investment trust β is contracted, and when the delivery date of the sale price of 1 million yen arrives, the balance of investment trust β at securities company B = 0,000 yen, and the contract is executed. The base and delivery-based monetary balance = 1 million yen, and the adjusted base monetary balance at securities company B = -700,000 yen + 1 million yen = 300,000 yen. Then, when the withdrawal of 1 million yen from the securities company B to the registered bank, the adjustment base money balance, the contract base money balance, and the delivery base money balance at the securities company B each decrease by 1 million yen, and the securities The adjustment base money balance in company B = 300,000 yen-1 million yen = -700,000 yen, the contract base money balance = 0,000 yen, and the delivery base money balance = 0,000 yen. Here, the adjustment base monetary balance = -700,000 yen means that the assets of 700,000 yen that were virtually transferred from securities company B to the service provider due to the purchase capacity adjustment return to securities company B after the adjustment is completed. It means to come.

Then, the 1 million yen withdrawn from the securities company B to the registered bank is allocated to the refund of the contribution amount of 700,000 yen and the return of the self-procured amount of 300,000 yen. When the contribution amount of 700,000 yen is refunded to the adjustment bank system 50N, the adjustment base monetary balance at the service provider = 700,000. Finally, when the purchase capacity adjustment is completed and the customer's assets of 700,000 yen are virtually moved (returned) from the service provider to the securities company B, the adjustment base monetary balance at the service provider = 0,000 yen, The adjustment base monetary balance at securities company B = 0,000 yen.

The example of FIG. 25 corresponds to the example of FIG. In FIG. 9, the sale price is used to refund the contribution amount of 200,000 yen out of the 500,000 yen sale price of the investment trust β sold by the securities company B and the investment trust γ sold by the securities company C. It is the full amount of the sale price of 200,000 yen. Therefore, the adjustment of the purchasing capacity is started, and first, the securities company B, which is the selling order executing agency, and the service provider are adjusted, and the securities company C, which is the selling order executing agency, and the service provider are adjusted. Make adjustments with. As a result, the adjustment base money balance at securities company B = -200,000 yen, the adjustment base money balance at securities company C = -200,000 yen, and the adjustment base money balance at the service provider = 200,000 yen + 200,000 yen = It will be 400,000 yen. On the other hand, since securities companies A and D do not allocate the contribution amount for the sale price to refund, the adjustment base monetary balance of securities companies A and D is 0,000 yen.

Further, in the example of FIG. 25, as shown in FIG. 9, the contribution amount is deposited at 300,000 yen out of the 500,000 yen of the investment trust α purchase fund at the securities company A, and the securities company. It is the total amount of 100,000 yen of the purchase fund of the investment trust δ in D. Therefore, in FIG. 25, the adjustment-based monetary balance of the service provider decreases by 300,000 yen when the adjustment bank system 50N makes a contribution to the securities company A, and 10 when the contribution is made to the securities company D. It will be reduced by 10,000 yen. On the other hand, when the contribution amount of 300,000 yen is deposited in the securities company A, the adjustment base monetary balance in the securities company A increases by 300,000 yen, and when the contribution amount of 100,000 yen is deposited in the securities company D, the securities company D The adjustment base monetary balance will increase by 100,000 yen.

<Configuration of purchase capacity adjustment service providing server 20 / authentication information storage means 31>

The authentication information storage means 31 stores customer identification information (ID) and password (PW), which are authentication information for the asset management system 10 (for service providers). The ID / PW for the asset management system 10 is used when accessing the purchase capacity adjustment service providing server 20.

Further, when the authentication information storage means 31 adopts the first form (form by open API) shown in FIG. 2, it is for each financial institution (for each securities company A, B, C, D ... Tokens (access tokens, refresh tokens) or other alternative information that replaces customer identification information (ID) and password (PW), which are authentication information for each bank N, X, Y, Z, ..., Are also asset management systems. It is stored in association with the customer identification information (ID) for 10.

Further, when the second form shown in FIG. 3 is adopted, the authentication information storage means 31 is for each financial institution (for each securities company A, B, C, D ..., each bank N, X, The customer identification information (ID) and password (PW), which are the authentication information for Y, Z, ...), Are also stored in association with the customer identification information (ID) for the asset management system 10.

<Configuration of purchase capacity adjustment service providing server 20 / acquisition target storage means 32 and asset information storage means 33>

The acquisition target storage means 32 stores the acquisition target (setting information by the customer or its input agent) of the asset information received by the setting means 22. This acquisition target is used in the periodic acquisition process of asset information by the asset information acquisition means 23. Here, the acquisition target is information on financial institutions such as securities companies and banks in which customers have opened accounts (financial institution identification information, account numbers, etc.), or items to be acquired from those financial institutions. Items to be acquired from financial institutions include, for example, the balance of each stock of investment trusts held by securities companies, the balance of each stock, cash balance (contract-based and delivery-based monetary balance), MRF balance, and banks. The balance of the savings account held.

The asset information storage means 33 stores the customer's asset information acquired by the asset information acquisition means 23 and the acquisition date and time in association with the customer identification information (ID) for the asset management system 10 (for the service provider). is there.

<Configuration of purchase capacity adjustment service providing server 20 / setting information storage means 34>

The setting information storage means 34 uses the setting information for rebalancing (setting information by the customer or its input agent) received by the setting means 22 as customer identification information (ID) for the asset management system 10 (for the service provider). It is associated with and memorized. Here, the setting information for rebalancing is the target portfolio for rebalancing, the amount of increase for regular purchase, the amount of decrease for regular cash, etc., and the setting of rebalancing in FIG. This is the setting information input on the screen 400.

Further, in the setting information storage means 34, the trading setting information (setting information by the customer or its input agent) received by the order creating means 24 is also the customer identification information (ID) for the asset management system 10 (for the service provider). Remember in association with. Here, the trading setting information is the reservation information of the trading order by the customer or its input agent, and the order data input on the continuous order screens 200 and 300 of FIGS. 6 and 7 is input to the reservation selection unit 251 and 341. It is the one that was memorized by checking.

<Configuration of purchase capacity adjustment service providing server 20 / information storage means 35 for date determination>

The date determination information storage means 35 stores the date determination information (setting information by the system administrator) regarding the financial product such as an investment trust received by the setting means 22 in association with the brand identification information of the financial product. .. Here, the date determination information includes the order availability date (table information that stores the order availability in consideration of business days, overseas holidays, etc. like a calendar) and the number of contract days (contract days) for each brand of financial products such as investment trusts. The number of days from the order date to the contract date), the number of delivery days (the number of days from the order date to the delivery date), etc.

<Configuration of purchase capacity adjustment service providing server 20 / operation management information storage means 36>

The operation management information storage means 36 stores the operation management information created by the operation management information creation means 26 in association with the customer identification information (ID) for the asset management system 10 (for the service provider). Here, the operation management information includes sell order management information, buy order management information, and deposit / withdrawal management information. The sell order management information includes sell order instruction information, sell order cancellation instruction information, sell order correction instruction information, and transmission timing / destination information of each of these instruction information. Further, the buy order management information includes buy order instruction information, buy order cancellation instruction information, buy order correction instruction information, and transmission timing / destination information of each of these instruction information. In addition, deposit and withdrawal management information includes contribution, refund, self-procurement, self-procurement amount refund, increase amount procurement, redemption amount transfer, cancellation refund, correction refund, intermediate refund, and final refund. Remittance instruction information, and transmission timing / destination information of each of these remittance instruction information is included.

<Configuration of purchase reserve capacity adjustment service providing server 20 / reserve capacity management information storage means 37>

As shown in FIGS. 24 and 25, the surplus capacity management information storage means 37 has surplus capacity management information (adjustment-based monetary balance in the service provider, and each securities company A, B) for managing the state of the purchase reserve capacity adjustment of the customer. , C, D, ... Including the adjustment-based monetary balance) is stored in association with the customer identification information (ID) for the asset management system 10.

<Process flow related to provision of purchase capacity adjustment service: Fig. 12>

In such an embodiment, the asset management system 10 provides the purchase capacity adjustment service as follows. FIG. 12 shows the overall flow of the outline of the process.

In FIG. 12, first, the customer or the input agent thereof operates the user terminal 60 and provides the purchase capacity adjustment service by using the customer identification information (ID) and password for the asset management system 10 (for the service provider). Log in to the server 20. The purchase capacity adjustment service providing server 20 accepts the setting of the acquisition target of the asset information by the customer or its input agent by the setting means 22, and associates the set information with the ID for the asset management system 10 to acquire the target. It is stored in the storage means 32 (step S1). The setting items are, for example, financial institution (securities company, bank), type of financial product (by investment trust, stock, etc.) or brand, bank account number, cash / MRF balance of securities company, and regular acquisition. Cycle, etc.

Next, the asset information acquisition means 23 obtains the customer's asset information from each financial institution system (each securities company system 40, each bank system 50) based on the acquisition target information stored in the acquisition target storage means 32. The acquired asset information is stored in the asset information storage means 33 in association with the ID for the asset management system 10 (step S2). At this time, for access to each financial institution system, for example, in the first form shown in FIG. 2 (form by open API), the token issued by each financial institution system is stored in the authentication information storage means 31. Get asset information using tokens. Further, in the second mode shown in FIG. 3, the ID / PW for each financial institution is stored in the authentication information storage means 31, and the asset information is acquired using the ID / PW for each financial institution. .. Further, in the third mode shown in FIG. 4, the asset information is acquired by using the ID / PW for each financial institution via the user terminal 60.

The asset information acquisition process based on the acquisition target information stored in the acquisition target storage means 32 is a periodic acquisition process, but in addition, the setting means 22, the asset information acquisition means 23, and the order creation means. 24. When the operation processing means 27 performs a specific process, the asset information acquisition means 23 performs the asset information acquisition process. However, when the latest asset information acquired in a relatively short cycle is stored in the asset information storage means 33 when performing a specific process, only the periodic acquisition process may be performed. Since the specific processing is described in detail in the description of the asset information acquisition means 23, detailed description will be omitted here. Further, for convenience of explanation, the asset information acquisition process by the asset information acquisition means 23 is described as the process of step S2, but since it is actually a periodic acquisition process, the same process is repeated and the latest. The asset information of is stored in the asset information storage means 33.

Subsequently, the asset information acquired by the asset information acquisition means 23 is used to display the asset information (including the balance of owned assets) on the user terminal 60 (step S3). This display process includes display processing by the display function of the asset information acquisition means 23 in response to a customer's balance reference request (selection of "(1) display of owned asset balance" which is a service item in FIG. 5). , Display processing of the customer's assets at the time of setting on the rebalancing setting screen 400 of FIG. 8 by the setting means 22 (however, the illustration is omitted), and the continuous order screen of FIG. 6 by the order creating means 24. There is a display process of the asset information display unit 210 in 200 and the like. Then, along with the display processing of these asset information, the acceptance processing of various rebalancing settings (target portfolio, increased amount of operating funds when performing periodic purchases, decreased amount of operating funds when performing periodic cashing, etc.) (See FIG. 8) and order acceptance processing (see FIGS. 6 and 7) are performed (step S3).

Then, when the order is executed on the same day (when the selection units 250 and 340 of the same day execution are checked on the continuous order screens 200 and 300 of FIGS. 6 and 7), the execution setting time of various rebalancings has arrived. Or, the execution setting time of the reserved order (date of execution specified by checking the reservation selection units 251 and 341 on the continuous order screens 200 and 300 of FIGS. 6 and 7) has arrived. In this case, the order creation means 24 creates order data for each of the sell order and the buy order (step S4). At this time, when executing various rebalancings, information such as the target portfolio, the increase amount, and the decrease amount stored in the setting information storage means 34 is used. Further, when executing the reserved order, the trading setting information stored in the setting information storage means 34 is used.

Further, the adjustment information creating means 25 determines the adjustment information (contribution amount, adjustment period, contribution destination, etc.) using the sell order and buy order order data created by the order creating means 24 (step S5). At this time, the information stored in the date determination information storage means 35 is referred to in order to calculate the delivery date of each brand of the sell order.

Subsequently, the operation management information creating means 26 creates each order data of the sell order and the buy order created by the order creating means 24, and the adjustment information (contribution amount, adjustment period, contribution destination, etc.) determined by the adjustment information creating means 25. ) Is used to create operation management information (sell order management information, buy order management information, and deposit / withdrawal management information) and store it in the operation management information storage means 36 (step S6).

After that, each finance is performed via the network 1 by the operation processing means 27 using the operation management information (sell order management information, buy order management information, and deposit / withdrawal management information) stored in the operation management information storage means 36. Various instruction information is transmitted to the institutional system (each securities company system 40, each bank system 50), and operation processing (sell order processing, contribution processing, buy order processing, refund processing, etc.) is executed (step S7).

<Flow of funds associated with the operation processing of continuous orders (when adjusting the purchase capacity): Fig. 6, Fig. 13, Fig. 14>

Customer K1 sells the investment trust β of 1 million yen held by securities company B, and purchases investment trust α of 1 million yen at securities company A using the obtained sale price of 1 million yen as purchase funds. (Replacement of investment trust brands) shall be carried out (see Fig. 6). More specifically, as shown in FIG. 13, the asset balance storage means 41A provided in the securities company system 40A of the securities company A in the upper left of the figure has an investment trust α as the securities balance held by the customer K1. The balance is memorized and the valuation amount is 3 million yen. On the other hand, the asset balance storage means 41B provided in the securities company system 40B of the securities company B in the upper right of the figure stores the balance of the investment trust β as the securities balance held by the customer K1, and the valuation amount is 1 million. It is a circle. This state corresponds to the state displayed on the asset information display unit 210 on the continuous order screen 200 of FIG. Then, in this state, in order to replace the stock from the investment trust β to the investment trust α for 1 million yen, data is input as in the example shown in FIG. 6 and trading is set. The example of FIG. 6 corresponds to the examples of FIGS. 13 and 14. After the completion of this stock replacement, the balance of the investment trust β at the securities company B will decrease to 0,000 yen, while the balance of the investment trust α at the securities company A will increase to 4 million yen.

In FIGS. 13 and 14, when adjusting the purchase capacity, it is necessary to deposit the funds for the advance allocation of the purchase capacity to the securities company A, which is the purchase order execution agency, before the purchase process. In addition, in order to bring out the effect of the present invention, the contribution amount as the funds for the advance allocation of the purchase reserve capacity is paid before the delivery of the sale price of the sell order, so that the flow is U1 to U8. Further, in the case of self-procurement (for example, when the self-procurement amount from bank Z = 300,000 yen), U22 and U82 are further added to the flow of U1 to U8.

As shown in FIG. 14, first, since (1) sell order instruction information is stored as sell order management information in the operation management information storage means 36, the operation processing means is according to the transmission timing / destination information. According to 27, (1) the sell order instruction information is transmitted to the securities company system 40B via the network 1 on the T day (the order date of the sell order of the investment trust β). As a result, the securities company system 40B executes the sale processing of the investment trust β, 1 million yen (see U1 in FIG. 13).

Next, since (2) remittance instruction information for contribution is stored in the operation management information storage means 36 as deposit / withdrawal management information, the operation processing means 27 uses the operation processing means 27 according to the transmission timing / destination information. 2) The remittance instruction information for contribution is transmitted to the coordinating bank system 50N via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, in the adjustment bank system 50N, the contribution amount of 1 million yen is deposited in the account of the customer K1 and the contribution amount of 1 million yen is remitted from the account of the customer K1 in the adjustment bank system 50N to the account of the customer K1 in the registered bank system 50X. (See U2 in FIG. 13). Here, the registered bank system 50X is a registered bank system 50 for deposits and withdrawals between the customer K1 and the securities company A.

In the case of self-procurement, the operation management information storage means 36 stores (3) remittance instruction information for self-procurement as deposit / withdrawal management information. By the operation processing means 27, (3) remittance instruction information for self-procurement is sent to the bank system 50Z (finance source of self-procured amount) via network 1 on T day (order date of purchase order of investment trust α). Send to the institution). As a result, the self-procured amount of 300,000 yen is remitted from the account of the customer K1 of the bank system 50Z to the account of the customer K1 of the registered bank system 50X (see U22 of the alternate long and short dash line in FIG. 13). In addition, in the case of self-procurement, the self-procurement amount is 300,000 yen, so the remittance of the contribution amount based on the above-mentioned (2) remittance instruction information for contribution is 1 million yen-300,000 = 700,000 yen. Good. The account balance of customer K1 of the bank system 50Z is 350,000 yen, and customer K1 designates 300,000 yen of this as funds to be used for connection (funds for advance allocation of purchase capacity) (funds for advance allocation of purchase capacity). (See FIG. 6).

Subsequently, the operation management information storage means 36 stores (4) remittance instruction information for contribution as deposit / withdrawal management information. 4) The remittance instruction information for contribution is transmitted to the registered bank system 50X via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, in the registered bank system 50X, a remittance (transfer) of 1 million yen is performed from the account of the customer K1 to the account of the securities company A (see U3 in FIG. 13). In the case of self-procurement, the remittance (transfer) of U3 in Fig. 13 is the contribution amount of 700,000 yen + the self-procurement amount of 300,000 yen = 1 million yen, but the self-procurement amount is larger. Or, if only the amount of self-procurement is available, the name of (4) remittance instruction information for contribution will be changed to (4) remittance instruction information for self-procurement. It may also be referred to as remittance instruction information for contribution or self-procurement.

Further, since the operation management information storage means 36 stores (5) remittance instruction information for contribution as deposit / withdrawal management information, the operation processing means 27 (5) according to the transmission timing / destination information. ) The transfer instruction information for contribution is transmitted to the securities company system 40A via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, 1 million yen is transferred from the account of the securities company A in the registered bank system 50X to the monetary balance of the customer K1 in the securities company system 40A (see U4 in FIG. 13), and the purchase reserve capacity is allocated in advance. The deposit of funds is completed.

After that, since (6) buy order instruction information is stored as buy order management information in the operation management information storage means 36, (6) buy by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40A via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, the securities company system 40A executes the purchase process of the investment trust α of 1 million yen (see U5 in FIG. 13).

Subsequently, the operation management information storage means 36 stores (7) remittance instruction information for refund as deposit / withdrawal management information. 7) The remittance instruction information for refund is transmitted to the securities company system 40B via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). N is determined for each brand, for example, N = 3. At this point, the monetary balance of customer K1 in the securities company system 40B has increased by 1 million yen on a delivery basis, so (7) this sale price of 1 million yen has decreased due to the remittance instruction information for refund. Along with entering the account of a securities company (see U6 in FIG. 13), the sale price of 1 million yen is withdrawn to the account of customer K1 of the registered bank system 50Y (see U7 in FIG. 13). Here, the registered bank system 50Y is a registered bank system 50 for deposits and withdrawals between the customer K1 and the securities company B. If (7) the remittance instruction information for refund is not sent, but the sale price of U6 and U7 in FIG. 13 is automatically withdrawn, (7) for refund. The transmission of the remittance instruction information may be omitted.

Then, since (8) remittance instruction information for refund is stored in the operation management information storage means 36 as deposit / withdrawal management information, the operation processing means 27 (8) according to the transmission timing / destination information. ) The remittance instruction information for refund is transmitted to the registered bank system 50Y via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). As a result, remittance for refund of the contribution amount of 1 million yen is performed from the account of the customer K1 of the registered bank system 50Y to the account of the customer K1 of the adjustment bank system 50N (see U8 in FIG. 13).

In the case of self-procurement, the operation management information storage means 36 stores (9) remittance instruction information for returning the self-procured amount as deposit / withdrawal management information. According to the operation processing means 27, (9) the remittance instruction information for returning the self-procured amount is transmitted to the registered bank system 50Y via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). As a result, remittance for returning the self-raised amount of 300,000 yen is performed from the account of the customer K1 of the registered bank system 50Y to the account of the customer K1 of the bank system 50Z (financial institution that raises the self-raised amount) (Fig.). See U82 of the two-point chain line of 13.). In addition, in the case of self-procurement, the self-procurement amount is 300,000 yen, and the refund is also 300,000 yen. Therefore, the refund of the contribution amount based on the above-mentioned (8) remittance instruction information for refund is 1 million yen. Yen-300,000 = 700,000 yen may be sufficient.

<Flow of funds associated with the operation processing of continuous orders (when the purchase capacity is not adjusted): Fig. 13 and Fig. 15>

If the purchase reserve capacity adjustment is not performed, the effect of the present invention is not exhibited, but in the purchase reserve capacity adjustment service providing server 20 of the present embodiment, the operation process when the customer K1 selects “none” for the purchase reserve capacity adjustment. Also run. Similar to the case of FIG. 14 described above (when adjusting the purchase capacity), the customer K1 sells the investment trust β of 1 million yen held by the securities company B, and the sale price obtained is 1 million yen. It is assumed that securities company A places a continuous order (replacement of investment trust brand) to purchase investment trust α for 1 million yen using the purchase fund. However, when the purchase reserve capacity is adjusted, as shown in FIG. 14, the flow is as shown in U1 to U8 of FIG. 13, whereas when the purchase reserve capacity adjustment is not performed, as shown in FIG. , The flow of F1 to F7 in FIG.

As shown in FIG. 15, first, since (1) sell order instruction information is stored as sell order management information in the operation management information storage means 36, the operation processing means is according to the transmission timing / destination information. According to 27, (1) the sell order instruction information is transmitted to the securities company system 40B via the network 1 on the T day (the order date of the sell order of the investment trust β). As a result, the securities company system 40B executes the sale processing of the investment trust β, 1 million yen (see F1 in FIG. 13).

Next, since (2) remittance instruction information for deposit is stored in the operation management information storage means 36 as deposit / withdrawal management information, the operation processing means 27 (2) according to the transmission timing / destination information ( 2) The remittance instruction information for deposit is transmitted to the securities company system 40B via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). N is determined for each brand, for example, N = 3. At this point, the monetary balance of customer K1 in the securities company system 40B has increased by 1 million yen on a delivery basis, so (2) this sale price of 1 million yen has decreased due to the remittance instruction information for deposit. Along with entering the account of a securities company (see F2 in FIG. 13), the sale price of 1 million yen is withdrawn to the account of customer K1 of the registered bank system 50Y (see F3 in FIG. 13). If (2) the remittance instruction information for deposit is not sent, but the sale price of F2 and F3 in FIG. 13 is automatically withdrawn, (2) for deposit. The transmission of the remittance instruction information may be omitted.

Subsequently, the operation management information storage means 36 stores (3) remittance instruction information for deposit as deposit / withdrawal management information. 3) The remittance instruction information for deposit is transmitted to the registered bank system 50Y via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). As a result, the sale price of 1 million yen (1 million yen allocated to the purchase funds) is remitted from the account of the customer K1 of the registered bank system 50Y to the account of the customer K1 of the registered bank system 50X (one-dot chain line in FIG. 13). See F4).

Then, since (4) remittance instruction information for deposit is stored in the operation management information storage means 36 as deposit / withdrawal management information, the operation processing means 27 (4) according to the transmission timing / destination information. ) The remittance instruction information for deposit is transmitted to the registered bank system 50X via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). As a result, in the registered bank system 50X, a remittance (transfer) of 1 million yen is performed from the account of the customer K1 to the account of the securities company A (see F5 in FIG. 13).

Further, since the operation management information storage means 36 stores (5) the remittance instruction information for deposit as the deposit / withdrawal management information, the operation processing means 27 (5) according to the transmission timing / destination information. ) The remittance instruction information for deposit is transmitted to the securities company system 40A via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). As a result, 1 million yen is transferred from the account of the securities company A in the registered bank system 50X to the monetary balance of the customer K1 in the securities company system 40A (see F6 in FIG. 13), and the purchase funds are deposited. Complete.

After that, since (6) buy order instruction information is stored as buy order management information in the operation management information storage means 36, (6) buy by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40A via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). As a result, the securities company system 40A executes the purchase process of the investment trust α of 1 million yen (see F7 in FIG. 13).

<Flow of funds associated with rebalancing processing (when there is no increase or decrease in operating funds): Fig. 9, Fig. 16, Fig. 21>

The assets (investment trust) owned by customer K2 shall be rebalanced in the example shown in FIG. 9 (when there is no increase or decrease in operating funds). Therefore, the buying and selling performed by each securities company A, B, C, D is as shown in the upper part of FIG. As detailed in the explanation of the adjustment information creating means 25, in the example shown in FIG. 9, the contribution required by the adjustment bank system 50N is the contribution to be deposited in the securities company A as the funds for the advance allocation of the purchase capacity of the investment trust α. The amount is 300,000 yen, and the contribution amount to be deposited in securities company D as funds for the advance allocation of the purchase capacity of the investment trust δ is 100,000 yen.

Further, in FIG. 16, the registered bank system 50X is a registered bank system 50 for deposits and withdrawals between the customer K2 and the securities company A, and the registered bank system 50Y is the customer K2 and the securities companies B, C, D. Registered banking system 50 for deposits and withdrawals between.

As shown in FIG. 21, first, since (1) sell order instruction information is stored as sell order management information in the operation management information storage means 36, the operation processing means is according to the transmission timing / destination information. According to 27, (1) the sell order instruction information is transmitted to the securities company system 40B via the network 1 on the T day (the order date of the sell order of the investment trust β). As a result, the securities company system 40B executes the sale processing of the investment trust β, 500,000 yen (see the upper part of FIG. 16).

Further, since (2) sell order instruction information is stored in the operation management information storage means 36 as sell order management information, (2) sell by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40C via the network 1 on the T day (the order date of the sell order of the investment trust γ). As a result, the securities company system 40C executes the sale processing of the investment trust γ and 200,000 yen (see the upper part of FIG. 16).

Further, since (3) sell order instruction information is stored in the operation management information storage means 36 as sell order management information, (3) sell by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40A via the network 1 on the T day (the order date of the sell order of the investment trust ε). As a result, the securities company system 40A executes the sale processing of the investment trust ε and 200,000 yen (see the upper part of FIG. 16).

Next, since (4) remittance instruction information for contribution is stored in the operation management information storage means 36 as deposit / withdrawal management information, the operation processing means 27 uses the operation processing means 27 according to the transmission timing / destination information. 4) The remittance instruction information for contribution is transmitted to the coordinating bank system 50N via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, in the adjustment bank system 50N, the contribution amount of 300,000 yen is deposited in the account of the customer K2, and the contribution amount of 300,000 yen is remitted from the account of the customer K2 in the adjustment bank system 50N to the account of the customer K2 in the registered bank system 50X. (See V1 in FIG. 16).

Subsequently, the operation management information storage means 36 stores (5) remittance instruction information for contribution as deposit / withdrawal management information. 5) The remittance instruction information for contribution is transmitted to the registered bank system 50X via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, in the registered bank system 50X, a remittance (transfer) of 300,000 yen is performed from the account of the customer K2 to the account of the securities company A.

Further, since the operation management information storage means 36 stores (6) remittance instruction information for contribution as deposit / withdrawal management information, the operation processing means 27 (6) according to the transmission timing / destination information. ) The transfer instruction information for contribution is transmitted to the securities company system 40A via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, 300,000 yen is transferred from the account of the securities company A in the registered bank system 50X to the monetary balance of the customer K2 in the securities company system 40A (see V2 in FIG. 16), and the investment trust α is purchased. The deposit of the funds for advance allocation of the purchase capacity for the above is completed. Of the 500,000 yen purchased from the investment trust α, the remaining 200,000 yen will be secured by the sale price of the investment trust ε within the same securities company A, which is 200,000 yen.

Further, since the operation management information storage means 36 stores (7) remittance instruction information for contribution as deposit / withdrawal management information, the operation processing means 27 uses (7) according to the transmission timing / destination information. ) The remittance instruction information for contribution is transmitted to the coordinating bank system 50N via the network 1 on the T day (the order date of the buy order of the investment trust δ). As a result, in the adjustment bank system 50N, the contribution amount of 100,000 yen is deposited in the account of the customer K2, and the contribution amount of 100,000 yen is remitted from the account of the customer K2 in the adjustment bank system 50N to the account of the customer K2 in the registered bank system 50Y. (See V3 in FIG. 16).

Subsequently, the operation management information storage means 36 stores (8) remittance instruction information for contribution as deposit / withdrawal management information. 8) The remittance instruction information for contribution is transmitted to the registered bank system 50Y via the network 1 on the T day (the order date of the buy order of the investment trust δ). As a result, in the registered bank system 50Y, a remittance (transfer) of 100,000 yen is performed from the account of the customer K2 to the account of the securities company D.

Further, since the operation management information storage means 36 stores (9) remittance instruction information for contribution as deposit / withdrawal management information, the operation processing means 27 uses (9) according to the transmission timing / destination information. ) The transfer instruction information for contribution is transmitted to the securities company system 40D via the network 1 on the T day (the order date of the buy order of the investment trust δ). As a result, 100,000 yen is transferred from the account of the securities company D in the registered bank system 50Y to the monetary balance of the customer K2 in the securities company system 40D (see V4 in FIG. 16), and the investment trust δ is purchased. The deposit of the funds for advance allocation of the purchase capacity for the above is completed.

After that, since (10) buy order instruction information is stored as buy order management information in the operation management information storage means 36, (10) buy by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40A via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, the securities company system 40A executes the purchase process of the investment trust α of 500,000 yen.

Further, since (11) buy order instruction information is stored as buy order management information in the operation management information storage means 36, (11) buy by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40D via the network 1 on the T day (the order date of the buy order of the investment trust δ). As a result, the securities company system 40D executes the purchase process of the investment trust δ, 100,000 yen.

Further, since (12) buy order instruction information is stored as buy order management information in the operation management information storage means 36, (12) buy by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40B via the network 1 on the T day (the order date of the buy order of the investment trust λ). As a result, the securities company system 40B executes the purchase process of the investment trust λ and 300,000 yen.

Subsequently, the operation management information storage means 36 stores (13) remittance instruction information for refund as deposit / withdrawal management information, and therefore, according to the transmission timing / destination information, the operation processing means 27 (13) 13) The remittance instruction information for refund is transmitted to the securities company system 40B via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). N is determined for each brand, for example, N = 3. At this point, the monetary balance of customer K2 in the securities company system 40B is 200,000 yen on a delivery basis (500,000 yen for the sale price of the investment trust β minus 300,000 yen for the purchase funds of the investment trust λ. (Amount), so (13) According to the remittance instruction information for refund, this 200,000 yen will be reduced to the account of securities company B, and 200,000 yen will be sent to the account of customer K2 of the registered bank system 50Y. It will be paid (see V5 in FIG. 16). If (13) the remittance instruction information for refund is not sent, but the withdrawal of V5 in FIG. 16 is automatically performed, (13) the remittance instruction information for refund The transmission may be omitted.

Further, since the operation management information storage means 36 stores (14) remittance instruction information for refund as deposit / withdrawal management information, the operation processing means 27 uses (14) according to the transmission timing / destination information. ) The remittance instruction information for refund is transmitted to the securities company system 40C via the network 1 on the T + N day (the delivery date of the sale price of the investment trust γ). At this point, the monetary balance of customer K2 in the securities company system 40C is 200,000 yen (sales price of investment trust γ) on a delivery basis. As the yen decreases and enters the account of securities company C, 200,000 yen is withdrawn to the account of customer K2 of the registered bank system 50Y (see V6 in FIG. 16). If (14) the remittance instruction information for refund is not sent, but the withdrawal of V6 in FIG. 16 is automatically performed, (14) the remittance instruction information for refund The transmission may be omitted.

Then, since (15) remittance instruction information for refund is stored in the operation management information storage means 36 as deposit / withdrawal management information, the operation processing means 27 (15) according to the transmission timing / destination information. ) The remittance instruction information for refund is transmitted to the registered bank system 50Y via the network 1 on the T + N day (the delivery date of the sale price of the investment trusts β and γ). As a result, remittance for refund of the contribution amount of 400,000 yen is performed from the account of the customer K2 of the registered bank system 50Y to the account of the customer K2 of the adjustment bank system 50N (see V7 in FIG. 16).

<Flow of funds associated with rebalancing processing involving regular purchases (when there is an increase in operating funds): Fig. 10, Fig. 17, Fig. 18, Fig. 22>

The assets (investment trusts) held by customer K3 shall be rebalanced (when there is an increase in operating funds) accompanied by the periodic purchase in the example shown in FIG. Therefore, the buying and selling performed by each securities company A, B, C, D is as shown in the upper part of FIGS. 17 and 18. As described in detail in the explanation of the adjustment information creating means 25, in the example shown in FIG. 10, the contribution by the adjustment bank system 50N is required in the case of FIG. The amount of contribution to be deposited in securities company A is 180,000 yen, and the amount of contribution to be deposited in securities company D as funds for the advance allocation of the purchase capacity of the investment trust δ is 130,000 yen. In the case of the procurement method), the contribution amount to be deposited in the securities company A as the funds for the advance allocation of the purchase capacity of the investment trust α is 310,000 yen. Therefore, the purchase fund raising method is not one method, and there are many purchase fund raising methods due to the difference in the allocation method between the contribution amount and the increased amount. Here, there are two purchase fund raising methods (Fig.). 17, FIG. 18) will be described. FIG. 22 corresponds to the purchase financing method of FIG.

Further, in FIGS. 17 and 18, the registered bank system 50X is the registered bank system 50 for deposits and withdrawals between the customer K3 and the securities company A, and the registered bank system 50Y is the registration bank system 50Y between the customer K3 and the securities company B. It is a registered bank system 50 for deposits and withdrawals between customers, and a registered bank system 50Z is a registered bank system 50 for deposits and withdrawals between a customer K3 and securities companies C and D.

As shown in FIG. 22, first, since (1) sell order instruction information is stored as sell order management information in the operation management information storage means 36, the operation processing means is according to the transmission timing / destination information. According to 27, (1) the sell order instruction information is transmitted to the securities company system 40B via the network 1 on the T day (the order date of the sell order of the investment trust β). As a result, the securities company system 40B executes the sale processing of the investment trust β, 460,000 yen (see the upper part of FIG. 17).

Further, since (2) sell order instruction information is stored in the operation management information storage means 36 as sell order management information, (2) sell by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40C via the network 1 on the T day (the order date of the sell order of the investment trust γ). As a result, the securities company system 40C executes the sale processing of the investment trust γ, 170,000 yen (see the upper part of FIG. 17).

Further, since (3) sell order instruction information is stored in the operation management information storage means 36 as sell order management information, (3) sell by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40A via the network 1 on the T day (the order date of the sell order of the investment trust ε). As a result, the securities company system 40A executes the sale processing of the investment trust ε, 180,000 yen (see the upper part of FIG. 17).

Next, since (4) remittance instruction information for contribution is stored in the operation management information storage means 36 as deposit / withdrawal management information, the operation processing means 27 uses the operation processing means 27 according to the transmission timing / destination information. 4) The remittance instruction information for contribution is transmitted to the coordinating bank system 50N via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, in the adjustment bank system 50N, the contribution amount of 180,000 yen is deposited in the account of the customer K3, and the contribution amount of 180,000 yen is remitted from the account of the customer K3 in the adjustment bank system 50N to the account of the customer K3 in the registered bank system 50X. (See W1 in FIG. 17).

Further, since the operation management information storage means 36 stores (5) remittance instruction information for raising an increased amount of money as deposit / withdrawal management information, the operation processing means 27 uses the operation processing means 27 according to the transmission timing / destination information. (5) The remittance instruction information for raising the increased amount is transmitted to the bank system 50Z (financial institution from which the increased amount is procured) via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, an increased amount of 200,000 yen is remitted from the account of the customer K3 of the bank system 50Z to the account of the customer K3 of the registered bank system 50X (see W2 in FIG. 17).

Subsequently, the operation management information storage means 36 stores (6) remittance instruction information for contribution / increased amount procurement as deposit / withdrawal management information, and therefore, operation processing is performed according to the transmission timing / destination information. By means 27, (6) remittance instruction information for contribution / increased amount procurement is transmitted to the registered bank system 50X via the network 1 on the T day (order date of the buy order of the investment trust α). As a result, in the registered bank system 50X, a remittance (transfer) of 380,000 yen is performed from the account of the customer K3 to the account of the securities company A.

Further, since the operation management information storage means 36 stores (7) remittance instruction information for contribution / increased amount procurement as deposit / withdrawal management information, the operation processing means is according to the transmission timing / destination information. In 27, (7) the remittance instruction information for contribution and increase amount procurement is transmitted to the securities company system 40A via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, funds of 380,000 yen are transferred from the account of the securities company A in the registered bank system 50X to the monetary balance of the customer K3 in the securities company system 40A (see W3 in FIG. 17), and the purchase of the investment trust α is performed. The deposit of funds is completed. Of the 560,000 yen purchased from the investment trust α, the remaining 180,000 yen will be secured by the sale price of the investment trust ε within the same securities company A, which is 180,000 yen.

Further, since the operation management information storage means 36 stores (8) remittance instruction information for contribution as deposit / withdrawal management information, the operation processing means 27 uses (8) according to the transmission timing / destination information. ) The remittance instruction information for contribution is transmitted to the coordinating bank system 50N via the network 1 on the T day (the order date of the buy order of the investment trust δ). As a result, in the adjustment bank system 50N, the contribution amount of 130,000 yen is deposited in the account of the customer K3, and the contribution amount of 130,000 yen is remitted from the account of the customer K3 in the adjustment bank system 50N to the account of the customer K3 in the registered bank system 50Z. (See W4 in FIG. 17).

Subsequently, the operation management information storage means 36 stores (9) remittance instruction information for contribution as deposit / withdrawal management information. 9) The remittance instruction information for contribution is transmitted to the registered bank system 50Z via the network 1 on the T day (the order date of the buy order of the investment trust δ). As a result, in the registered bank system 50Z, a remittance (transfer) of 130,000 yen is performed from the account of the customer K3 to the account of the securities company D.

Further, since the operation management information storage means 36 stores (10) remittance instruction information for contribution as deposit / withdrawal management information, the operation processing means 27 (10) according to the transmission timing / destination information. ) The transfer instruction information for contribution is transmitted to the securities company system 40D via the network 1 on the T day (the order date of the buy order of the investment trust δ). As a result, 130,000 yen is transferred from the account of the securities company D in the registered bank system 50Z to the monetary balance of the customer K3 in the securities company system 40D (see W5 in FIG. 17), and the investment trust δ is purchased. The deposit of funds is completed.

After that, since (11) buy order instruction information is stored as buy order management information in the operation management information storage means 36, (11) buy by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40A via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, the securities company system 40A executes the purchase process of the investment trust α, 560,000 yen.

Further, since (12) buy order instruction information is stored as buy order management information in the operation management information storage means 36, (12) buy by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40D via the network 1 on the T day (the order date of the buy order of the investment trust δ). As a result, the securities company system 40D executes the purchase process of the investment trust δ and 130,000 yen.

Further, since (13) buy order instruction information is stored as buy order management information in the operation management information storage means 36, (13) buy by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40B via the network 1 on the T day (the order date of the buy order of the investment trust λ). As a result, the securities company system 40B executes the purchase process of the investment trust λ and 320,000 yen.

Subsequently, the operation management information storage means 36 stores (14) remittance instruction information for refund as deposit / withdrawal management information, and therefore, according to the transmission timing / destination information, the operation processing means 27 (14) 14) The remittance instruction information for refund is transmitted to the securities company system 40B via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). N is determined for each brand, for example, N = 3. At this point, the monetary balance of customer K3 in the securities company system 40B is 140,000 yen on a delivery basis (the sale price of the investment trust β is 460,000 yen minus the allocation of 320,000 yen to the purchase funds of the investment trust λ. Since it is (amount), (14) this 140,000 yen is reduced by the remittance instruction information for refund and enters the account of securities company B, and 140,000 yen is sent to the account of customer K3 of the registered bank system 50Y. It will be paid (see W6 in FIG. 17). If (14) the remittance instruction information for refund is not sent, but the withdrawal of W6 in FIG. 17 is automatically performed, (14) the remittance instruction information for refund The transmission may be omitted.

Further, since the operation management information storage means 36 stores (15) remittance instruction information for refund as deposit / withdrawal management information, the operation processing means 27 uses (15) according to the transmission timing / destination information. ) The remittance instruction information for refund is transmitted to the securities company system 40C via the network 1 on the T + N day (the delivery date of the sale price of the investment trust γ). At this point, the monetary balance of customer K3 in the securities company system 40C is 170,000 yen (sales price of investment trust γ) on a delivery basis. As the yen decreases and enters the account of securities company C, 170,000 yen is withdrawn to the account of customer K3 of the registered bank system 50Z (see W7 in FIG. 17). If (15) the remittance instruction information for refund is not sent, but the withdrawal of W7 in FIG. 17 is automatically performed, (15) the remittance instruction information for refund The transmission may be omitted.

Then, since (16) remittance instruction information for refund is stored in the operation management information storage means 36 as deposit / withdrawal management information, the operation processing means 27 (16) according to the transmission timing / destination information. ) The remittance instruction information for refund is transmitted to the registered bank system 50Y via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). As a result, remittance for refund of the contribution amount of 140,000 yen is performed from the account of the customer K3 of the registered bank system 50Y to the account of the customer K3 of the adjustment bank system 50N (see W8 in FIG. 17).

Further, since the operation management information storage means 36 stores (17) remittance instruction information for refund as deposit / withdrawal management information, the operation processing means 27 uses (17) according to the transmission timing / destination information. ) The remittance instruction information for refund is transmitted to the registered bank system 50Z via the network 1 on the T + N day (the delivery date of the sale price of the investment trust γ). As a result, remittance for refund of the contribution amount of 170,000 yen is performed from the account of the customer K3 of the registered bank system 50Z to the account of the customer K3 of the adjustment bank system 50N (see W9 in FIG. 17).

In the case of FIG. 18 (in the case of another purchase financing method), the purchase fund of the investment trust δ at the securities company D is not the contribution amount by the adjustment bank system 50N, but the bank system 50Z (the source of the increased amount). It is different from the case of FIG. 17 in that it is secured by the increased amount from the banking system 50) designated by the customer as the financial institution of. Therefore, in the case of FIG. 18, there is no remittance of the contribution amount to the securities company D.

In both cases of FIG. 17 and FIG. 18, if the contribution amount and the increase amount are considered in total (thinking without distinction), the required amount of deposit of the purchase fund of the investment trust α to the securities company A (investment). The purchase capacity required to purchase the trust α) is 380,000 yen, and the required amount of funds for the purchase of the investment trust δ to the securities company D (to purchase the investment trust δ) The required purchase capacity) is 130,000 yen. Therefore, for the total amount of these required deposits of 510,000 yen (380,000 yen + 130,000 yen), the total amount of the contribution amount of 310,000 yen and the increase amount of 200,000 yen is only 510,000 yen. The allocation method is different between FIGS. 17 and 18.

In FIG. 18, since R4 is set to an increased amount of 130,000 yen, R2 is the remaining amount of 70,000 yen out of the increased amount of 200,000 yen. Since R3 needs to be 380,000 yen, the contribution amount of R1 is 380,000 yen-70,000 yen = 310,000 yen. The refund routes of R5 and R7 in FIG. 18 are the same as the refund routes of W6 and W8 in FIG. The refund routes of R6 and R8 in FIG. 18 are the same as the refund routes of W7 and W9 in FIG.

<Flow of funds associated with rebalancing processing with regular cashing (when there is a reduction in operating funds): Fig. 11, Fig. 19, Fig. 20, Fig. 23>

The assets (investment trusts) held by customer K4 shall be rebalanced (when there is a reduction in operating funds) accompanied by periodic cashing in the example shown in FIG. Therefore, the buying and selling performed by each securities company A, B, C, D is as shown in the upper part of FIGS. 19 and 20. As detailed in the explanation of the adjustment information creating means 25, in the example shown in FIG. 11, the contribution required by the adjustment bank system 50N is the contribution to be deposited in the securities company A as the funds for the advance allocation of the purchase capacity of the investment trust α. The amount is 220,000 yen, and the contribution amount to be deposited in securities company D as funds for the advance allocation of the purchase capacity of the investment trust δ is 70,000 yen. In addition, the amount to be redeemed on a regular basis is secured from the sale price, but the sale price is the amount to be used for refunding the contribution amount, except for the amount to be used for the purchase of purchase orders within the same securities company. The usage is divided into the transfer amount as the exchange amount. Therefore, when the sale price is obtained by a plurality of securities companies, the usage allocation method of the sale price obtained by each securities company is not one method, but there are many usage distribution methods, but here, there are two methods. The usage allocation method (FIGS. 19 and 20) will be described. FIG. 23 corresponds to the usage allocation method of FIG.

Further, in FIGS. 19 and 20, the registered bank system 50X is the registered bank system 50 for deposits and withdrawals between the customer K4 and the securities company A, and the registered bank system 50Y is the registration bank system 50Y between the customer K4 and the securities company B. It is a registered bank system 50 for deposits and withdrawals between customers, and a registered bank system 50Z is a registered bank system 50 for deposits and withdrawals between a customer K4 and securities companies C and D.

As shown in FIG. 23, first, since (1) sell order instruction information is stored as sell order management information in the operation management information storage means 36, the operation processing means is according to the transmission timing / destination information. According to 27, (1) the sell order instruction information is transmitted to the securities company system 40B via the network 1 on the T day (the order date of the sell order of the investment trust β). As a result, the securities company system 40B executes the sale processing of the investment trust β, 540,000 yen (see the upper part of FIG. 19).

Further, since (2) sell order instruction information is stored in the operation management information storage means 36 as sell order management information, (2) sell by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40C via the network 1 on the T day (the order date of the sell order of the investment trust γ). As a result, the securities company system 40C executes the sale processing of the investment trust γ, 230,000 yen (see the upper part of FIG. 19).

Further, since (3) sell order instruction information is stored in the operation management information storage means 36 as sell order management information, (3) sell by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40A via the network 1 on the T day (the order date of the sell order of the investment trust ε). As a result, the securities company system 40A executes the sale processing of the investment trust ε, 220,000 yen (see the upper part of FIG. 19).

Next, since (4) remittance instruction information for contribution is stored in the operation management information storage means 36 as deposit / withdrawal management information, the operation processing means 27 uses the operation processing means 27 according to the transmission timing / destination information. 4) The remittance instruction information for contribution is transmitted to the coordinating bank system 50N via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, in the adjustment bank system 50N, the contribution amount of 220,000 yen is deposited in the account of the customer K4, and the contribution amount of 220,000 yen is remitted from the account of the customer K4 in the adjustment bank system 50N to the account of the customer K4 in the registered bank system 50X. (See page 19 of FIG. 19).

Subsequently, the operation management information storage means 36 stores (5) remittance instruction information for contribution as deposit / withdrawal management information. 5) The remittance instruction information for contribution is transmitted to the registered bank system 50X via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, in the registered bank system 50X, a remittance (transfer) of 220,000 yen is performed from the account of the customer K4 to the account of the securities company A.

Further, since the operation management information storage means 36 stores (6) remittance instruction information for contribution as deposit / withdrawal management information, the operation processing means 27 (6) according to the transmission timing / destination information. ) The transfer instruction information for contribution is transmitted to the securities company system 40A via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, 220,000 yen is transferred from the account of the securities company A in the registered bank system 50X to the monetary balance of the customer K4 in the securities company system 40A (see P2 in FIG. 19), and the investment trust α is purchased. The deposit of the funds for advance allocation of the purchase capacity for the above is completed. Of the 440,000 yen purchased from the investment trust α, the remaining 220,000 yen will be secured by the sale price of the investment trust ε within the same securities company A, which is 220,000 yen.

Further, since the operation management information storage means 36 stores (7) remittance instruction information for contribution as deposit / withdrawal management information, the operation processing means 27 uses (7) according to the transmission timing / destination information. ) The remittance instruction information for contribution is transmitted to the coordinating bank system 50N via the network 1 on the T day (the order date of the buy order of the investment trust δ). As a result, in the adjustment bank system 50N, the contribution amount of 70,000 yen is deposited in the account of the customer K4, and the contribution amount of 70,000 yen is remitted from the account of the customer K4 in the adjustment bank system 50N to the account of the customer K4 in the registered bank system 50Z. (See page 3 of FIG. 19).

Subsequently, the operation management information storage means 36 stores (8) remittance instruction information for contribution as deposit / withdrawal management information. 8) The remittance instruction information for contribution is transmitted to the registered bank system 50Z via the network 1 on the T day (the order date of the buy order of the investment trust δ). As a result, in the registered bank system 50Z, remittance (transfer) of 70,000 yen is performed from the account of the customer K4 to the account of the securities company D.

Further, since the operation management information storage means 36 stores (9) remittance instruction information for contribution as deposit / withdrawal management information, the operation processing means 27 uses (9) according to the transmission timing / destination information. ) The transfer instruction information for contribution is transmitted to the securities company system 40D via the network 1 on the T day (the order date of the buy order of the investment trust δ). As a result, 70,000 yen is transferred from the account of the securities company D in the registered bank system 50Z to the monetary balance of the customer K4 in the securities company system 40D (see P4 in FIG. 19), and the investment trust δ is purchased. The deposit of the funds for advance allocation of the purchase capacity for the above is completed.

After that, since (10) buy order instruction information is stored as buy order management information in the operation management information storage means 36, (10) buy by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40A via the network 1 on the T day (the order date of the buy order of the investment trust α). As a result, the securities company system 40A executes the purchase process of the investment trust α of 440,000 yen.

Further, since (11) buy order instruction information is stored as buy order management information in the operation management information storage means 36, (11) buy by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40D via the network 1 on the T day (the order date of the buy order of the investment trust δ). As a result, the securities company system 40D executes the purchase process of the investment trust δ, 70,000 yen.

Further, since (12) buy order instruction information is stored as buy order management information in the operation management information storage means 36, (12) buy by the operation processing means 27 according to the transmission timing / destination information. The order instruction information is transmitted to the securities company system 40B via the network 1 on the T day (the order date of the buy order of the investment trust λ). As a result, the securities company system 40B executes the purchase process of the investment trust λ and 280,000 yen.

Subsequently, the operation management information storage means 36 stores (13) remittance instruction information for refund / exchange amount transfer as deposit / withdrawal management information, and therefore, operation processing is performed according to the transmission timing / destination information. By means 27, (13) remittance instruction information for refund / exchange amount transfer is transmitted to the securities company system 40B via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). N is determined for each brand, for example, N = 3. At this point, the monetary balance of customer K4 in the securities company system 40B is 260,000 yen on a delivery basis (the sale price of investment trust β is 540,000 yen minus the amount allocated to the purchase funds of investment trust λ is 280,000 yen. Since it is (amount), (13) the remittance instruction information for refund / exchange amount transfer reduces this 260,000 yen and enters the account of securities company B, and also to the account of customer K4 of the registered bank system 50Y. 260,000 yen will be withdrawn (see page 5 of FIG. 19). In addition, (13) for refund if the withdrawal of P5 in FIG. 19 is automatically performed without sending the remittance instruction information for refund / exchange amount transfer. -The transmission of remittance instruction information for transfer of redemption amount may be omitted.

Further, since the operation management information storage means 36 stores (14) remittance instruction information for refund as deposit / withdrawal management information, the operation processing means 27 uses (14) according to the transmission timing / destination information. ) The remittance instruction information for refund is transmitted to the securities company system 40C via the network 1 on the T + N day (the delivery date of the sale price of the investment trust γ). At this point, the monetary balance of the customer K4 in the securities company system 40C is 230,000 yen (the sale price of the investment trust γ) on a delivery basis. The yen decreases and enters the account of securities company C, and 230,000 yen is withdrawn to the account of customer K4 of the registered bank system 50Z (see P6 in FIG. 19). If (14) the remittance instruction information for refund is not sent, but the withdrawal of P6 in FIG. 19 is automatically performed, (14) the remittance instruction information for refund The transmission may be omitted.

Then, since (15) remittance instruction information for refund is stored in the operation management information storage means 36 as deposit / withdrawal management information, the operation processing means 27 (15) according to the transmission timing / destination information. ) The remittance instruction information for refund is transmitted to the registered bank system 50Y via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). As a result, remittance for refund of the contribution amount of 60,000 yen is performed from the account of the customer K4 of the registered bank system 50Y to the account of the customer K4 of the adjustment bank system 50N (see page 7 of FIG. 19).

Further, since the remittance instruction information for (16) transfer of the exchanged amount is stored in the operation management information storage means 36 as the deposit / withdrawal management information, the operation processing means 27 uses the operation processing means 27 according to the transmission timing / destination information. (16) The remittance instruction information for the transfer of the exchange amount is transmitted to the registered bank system 50Y via the network 1 on the T + N day (the delivery date of the sale price of the investment trust β). As a result, the transfer amount of 200,000 yen is transferred from the account of the customer K4 of the registered bank system 50Y to the account of the customer K4 of the registered bank system 50X (the financial institution and account designated by the customer as the transfer destination when collecting the exchange amount). (See page 8 of FIG. 19).

Further, since the operation management information storage means 36 stores the remittance instruction information for (17) refund as the deposit / withdrawal management information, the operation processing means 27 (17) according to the transmission timing / destination information. ) The remittance instruction information for refund is transmitted to the registered bank system 50Z via the network 1 on the T + N day (the delivery date of the sale price of the investment trust γ). As a result, remittance for refund of the contribution amount of 230,000 yen is performed from the account of the customer K4 of the registered bank system 50Z to the account of the customer K4 of the adjustment bank system 50N (see P9 in FIG. 19).

In the case of FIG. 20 (in the case of another usage allocation method of the sale price), the transfer amount is not the sale price of the investment trust β at the securities company B but the sale price of the investment trust γ at the securities company C. It is different from the case of FIG. 19 in that the minutes are secured.

In both cases of FIGS. 19 and 20, the withdrawal from the securities company B is 260,000 yen, and the withdrawal from the securities company C is 230,000 yen. There is only a difference in the usage allocation method of how much of the withdrawal amount of 260,000 yen or 230,000 yen is to be applied to the transfer amount as the exchange amount or to be applied to the refund of the contribution amount. Absent.

In FIG. 20, the remittance route of the contribution amount of Q1 and Q2 is the same as the remittance route of the contribution amount of P1 and P2 of FIG. The remittance route of the contribution amount of Q3 and Q4 is the same as the remittance route of the contribution amount of P3 and P4 in FIG.

Since the withdrawal amount of 260,000 yen in Q5 is used only for refunding the contribution amount, the remittance from the registered bank system 50Y is only the refund of the contribution amount of 260,000 yen in Q7. On the other hand, in FIG. 19, since the withdrawal amount of 260,000 yen on P5 is applied to both the refund of the contribution amount and the transfer of the exchange amount, the remittance from the registered bank system 50Y is the contribution amount of 60,000 on P7. It is a refund of yen and a transfer of 200,000 yen for P8.

In addition, since the withdrawal amount of 230,000 yen in Q6 is applied to both the refund of the contribution amount and the transfer of the exchange amount, the remittance from the registered bank system 50Z is a refund of the contribution amount of 30,000 yen in Q8 and a refund of the contribution amount of 30,000 yen. The transfer amount for Q9 is 200,000 yen. On the other hand, in FIG. 19, since the withdrawal amount of 230,000 yen on P6 is allocated only to the refund of the contribution amount, the remittance from the registered bank system 50Z is only the refund of the contribution amount of 230,000 yen on P9. ing.

By combining FIGS. 19 and 20, both the refund of the contribution amount and the transfer of the exchange amount for both the withdrawal amount of 260,000 yen from the securities company B and the withdrawal amount of 230,000 yen from the securities company C. It may be allocated to.

<Effect of this embodiment>

According to the present embodiment as described above, there are the following effects. That is, in the asset management system 10, the adjustment period and the amount of contribution from the adjustment bank system 50N are determined by the adjustment information creating means 25, and based on the determined adjustment period and the amount of contribution, the adjustment bank system 50N is used to allocate the reserve capacity in advance. Since it is possible to contribute funds, a purchase that adjusts the purchasing capacity of a customer who purchases financial products (for example, investment trusts, stocks, etc.) across a plurality of securities company systems 40. Remaining capacity adjustment service can be provided.

At this time, the adjustment period shall be from the payment date of the funds for advance allocation of the purchase capacity required to execute the buy order or the day before the payment date to the delivery date of the sale price of the sell order or the day after the delivery date. Since it is a period, the customer contributes to the securities companies A, B, C, D, etc. that execute the buy order on the day before the delivery date of the sale price of the sell order as funds for the advance allocation of the purchase capacity. The amount can be deposited, and the contribution amount can be refunded with the sale price after delivery. Therefore, when the sale processing and the purchase processing are performed by another securities company (that is, across a plurality of securities companies), the purchase processing can be performed without waiting for the delivery date of the sale price. The time difference between the purchase process and the purchase process can be eliminated or shortened, and the occurrence of inconvenience caused by the time difference between the sale process and the purchase process can be avoided or suppressed.

Further, since the asset management system 10 includes the asset information acquisition means 23, when a customer holds assets across a plurality of financial institutions, the asset management system 10 can acquire its own asset information from the plurality of financial institutions. It can be done easily. Therefore, it is possible to reduce the trouble of managing the owned assets by the customer.

Further, since the asset management system 10 includes the investment processing means 27, the customer can easily send instruction information regarding his / her own assets to a plurality of financial institutions. It is possible to reduce the trouble of managing the assets held by the company.

Since the asset management system 10 includes the operation management information creating means 26 and the operation management information storage means 36, the operation management information is automatically created, and the operation process is automatically performed based on the created operation management information. Can be executed. That is, automatic drafting can be realized. Therefore, it is possible to reduce the burden of operating the customer's equipment and the burden of managing information related to the operation processing.

Further, in the asset management system 10, the customer can receive the purchase capacity adjustment service at each rebalancing while repeating the rebalancing of the portfolio of his / her own assets. Therefore, even when a trading transaction for rebalancing is carried out across a plurality of securities companies, the time difference between the selling process and the purchasing process in the rebalancing can be eliminated or shortened. Compared to the case where there is no purchase capacity adjustment, it is possible to realize more appropriate asset management in line with the target portfolio.

Further, in the asset management system 10, the customer can receive the purchase capacity adjustment service at each rebalancing while repeating the rebalancing accompanied by the increase or decrease of the operating funds. Therefore, it is possible to realize more appropriate and more flexible asset management in line with the target portfolio. That is, since it is possible to realize a fixed-term purchase and a fixed-term cash exchange, it is possible to realize asset management according to various purposes. For example, continuous transfer of funds to other uses is possible.

Further, in the asset management system 10, the contribution amount by the adjustment bank system 50N can be made a part of the fund for advance allocation of the purchase capacity, and the self-procured amount can be made a part of the remaining fund for the advance allocation of the purchase capacity. Therefore, the customer can reduce the contribution amount by the adjustment bank system 50N by designating the financial institution and the account that will be the source of the fund for raising the self-raised amount, so the purchase capacity can be adjusted according to the size of the contribution amount. When the service usage fee is changed, the payment amount of the customer's purchasing capacity adjustment service usage fee can be reduced.

Further, since the asset management system 10 is configured so that the order can be canceled or corrected, the adjustment information creating means 25 changes the contribution amount by the adjustment bank system 50N to zero during the adjustment period. In the case of correction, the contribution amount can be reduced. For this reason, all or part of the contribution amount can be refunded earlier than planned. Therefore, when the usage fee of the purchase capacity adjustment service changes according to the size of the contribution amount, It is possible to reduce the amount of payment of the usage fee of the customer's purchasing capacity adjustment service.

Then, in the asset management system 10, the sale price of the sell order different from the sell order (referred to as a set sell order in the present invention) in which the order data is created in combination with the buy order is set. Since it is configured so that it can be used for refunding the contribution amount by the adjustment bank system 50N (including both the case of continuous order and the case of performing various rebalancing), the other sale whose delivery date arrives early. The contribution amount can be refunded at an early stage by using the sale price of the order. For this reason, the adjustment period can be shortened or the contribution amount can be reduced from the middle. Therefore, when the usage fee of the purchase capacity adjustment service changes according to the length of the adjustment period and the size of the contribution amount, Can reduce the amount of payment of the usage fee of the customer's purchase capacity adjustment service.

<Form of deformation>

The present invention is not limited to the above-described embodiment, and modifications and the like within a range in which the object of the present invention can be achieved are included in the present invention.

For example, the asset management system 10 of the above-described embodiment is provided with the operation management information creating means 26 and the operation management information storage means 36, and is configured to be able to realize automatic drafting. However, the present invention does not necessarily provide automatic drafting. It does not have to be configured so that it can be performed, and in short, it suffices if it is possible to provide a purchase capacity adjustment service.

Further, in the above-described embodiment, as shown in FIGS. 6 and 7, the continuous order is configured to set the sell order and the buy order on a one-to-one basis, but one-to-many, many-to-one, and many. It may be possible to set in many-to-many, in short, it is sufficient that the sale price of the sell order can be used as the purchase fund of the buy order.

Further, in the above-described embodiment, as shown in FIGS. 6 and 7, the sell order and the buy order for the continuous order are set at the same amount, but the operating capital is increased at the time of rebalancing. In the case of continuous orders, the amount of buy orders is not necessarily limited to the same amount, but by adding another fund to the sale price of sell orders. It may be set to be larger, or the amount of the buy order may be set to be smaller so that a part of the sale price of the sell order is cashed.

As described above, the asset management system and program of the present invention are, for example, continuous orders, rebalancing, and subscriptions consisting of a preceding sell order and a subsequent buy order using the sale price obtained from this sell order as purchase funds. A purchase that adjusts the purchase capacity of a customer across multiple securities company systems by contributing funds for advance allocation of the purchase capacity to the purchase order execution organization when performing rebalancing, etc. with attachment or periodic cashing. It is suitable for use when providing additional capacity adjustment service.

1 Network 10 Asset management system 20 Purchase capacity adjustment service providing server 23 Asset information acquisition means 24 Order creation means 25 Adjustment information creation means 26 Operation management information creation means 27 Operation processing means 34 Setting information storage means 36 Operation management information storage means 60 User terminal

Claims (9)

An asset management system consisting of computers that perform processes that provide asset management services, including the buying and selling of financial products, to clients.
A customer's financial product over a network from each of multiple financial institution systems, including multiple securities company systems, using customer identification information for each financial institution or tokens or other alternative information to replace these customer identification information. Asset information acquisition means that executes the process of acquiring asset information related to the holding and fluctuation of assets including
The asset information acquired by this asset information acquisition means is output to the user terminal to accept the input of the purchase / sale order of the financial product by the customer or its input agent, or the input of the buy / sell order of the financial product is received in advance and the setting information is stored. The customer uses the trading setting information stored in the means, or uses the acquired asset information and the setting information previously input by the customer or its input agent and stored in the setting information storage means. Order data including stock identification information, amount or quantity of the preceding sell order for the financial products held, and securities company identification information indicating the sell order execution agency, and the sale price obtained from this sell order as purchase funds. An order creation means that performs a process of creating order data that includes the brand identification information, amount or quantity of subsequent buy orders to be used, and the securities company identification information that indicates the buy order execution agency.
Using the order data of the sell order and the buy order created by this order creation means, including determination of whether or not the sell order and the execution process of the buy order are performed across a plurality of securities company systems. As a purchase capacity adjustment service that adjusts the purchase capacity of customers across multiple securities company systems, the adjustment bank system that contributes funds for advance allocation of purchase capacity is determined and the contribution is determined. If it is determined to be necessary, the amount of contribution by the adjustment banking system and the date of payment to the purchase order execution agency for this amount of contribution, or the date of delivery of the sale price of the sell order or the delivery of the sale order from the day before the payment date. Adjustment information creation means that executes the process of determining the adjustment period until the day after the day,
When it is determined by the adjustment information creating means that the contribution is necessary, the customer identification information for the adjustment bank system or a token or other alternative information in place of the customer identification information is used for the adjustment bank system. , An asset management system including an operation processing means for executing an operation process including a contribution process for transmitting adjustment information including the contribution amount determined by the adjustment information creation means via a network. When the adjustment information creating means determines that the contribution is necessary, the order data of the sell order and the buy order created by the order creating means, and the adjustment period and the adjustment period determined by the adjustment information creating means. Using the adjustment amount, sell order instruction information for executing the sell order, sell order management information including transmission timing / destination information of the sell order instruction information, and buy order instruction for executing the buy order. Purchase order management information including information and transmission timing / destination information of this purchase order instruction information, and transfer instruction information for contribution and sale for depositing the contribution amount as the advance allocation of purchase capacity. A process of creating deposit / withdrawal management information including refund instruction information for refunding the contribution amount by price and each transmission timing / destination information of these transfer instruction information and storing it in the operation management information storage means. Equipped with a means to create operation management information to be executed
The operation processing means is
According to the sell order management information, the buy order management information, and the deposit / withdrawal management information created by the operation management information creating means, the securities company system serving as the selling order executing agency and the securities serving as the buying order executing agency. Between the company system and a plurality of financial institution systems including the coordinating bank system and a banking system including a registered bank system for deposits and withdrawals between a customer and a securities company, customer identification information for each financial institution or these It is configured to execute an operation process including transmission of the sell order instruction information, the buy order instruction information, and the remittance instruction information via a network by using a token or other alternative information in place of the customer identification information.
At this time, the operation processing means is
When it is determined by the adjustment information creating means that the contribution is necessary, as the operation process,
The sell order instruction information is transmitted to the securities company system that executes the sell order execution process via the network according to the transmission timing / destination information of the sell order management information stored in the operation management information storage means. Order processing and
According to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means, to the securities company that executes the buy order on the day before the delivery date of the sale price of the sell order. Contribution processing that transmits the remittance instruction information for the contribution to the coordinating bank system via the network so that the deposit of the contribution amount is made.
Purchasing that transmits the buy order instruction information to the securities company system that executes the buy order execution process via the network according to the transmission timing / destination information of the buy order management information stored in the operation management information storage means. Order processing and
According to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means, to the adjustment bank system by the sale price on the delivery date of the sale price of the sell order or the day after the delivery date. The remittance instruction information for the refund is sent to the registered bank system from which the sale price was withdrawn and / or the securities company system that executed the sell order via the network. The asset management system according to claim 1, wherein the refund processing to be transmitted is executed. The setting information storage means stores the target portfolio used in the rebalancing process that is repeatedly executed as the setting information.
The order making means is
The valuation amount of each issue constituting the portfolio at the time of acquisition based on the asset information acquired by the asset information acquisition means and the total amount of the valuation amount of each issue at the time of acquisition are stored in the setting information storage means. The stock and amount or quantity to be sold, the securities company that executes the sell order, and the stock and amount or quantity to be purchased, and the securities company that executes the buy order, depending on the difference from the amount of each stock allocated according to the target portfolio. The asset management system according to claim 2, wherein the asset management system is configured to execute a rebalancing process for determining the selling order and creating the order data of the sell order and the buy order. In the setting information storage means, as the setting information, the target portfolio used in the rebalancing process that is repeatedly executed, and the increased amount when the rebalancing process is performed together with the increase in the operating funds are stored.
The order making means is
The setting information is the sum of the valuation amount of each issue constituting the portfolio at the time of acquisition based on the asset information acquired by the asset information acquisition means and the valuation amount of each issue at the time of acquisition plus the increase amount. The stock and amount or quantity to be sold, the securities company that executes the sell order, and the stock and amount or quantity to be purchased are based on the difference between the amount of each stock and the amount of each stock allocated according to the above-mentioned target portfolio stored in the storage means. , The securities company that executes the buy order is determined, and the rebalancing process that creates the order data of the sell order and the buy order is executed.
The operation management information creation means is
As the deposit / withdrawal management information, the remittance instruction information for raising the increased amount for depositing the increased amount to be applied to the purchase fund to the securities company executing the purchase order, and the transmission timing / transmission of the remittance instruction information. It is configured to create the destination information and execute the process of storing it in the operation management information storage means.
The operation processing means is
As the operation process, the buy order is executed on a day before the delivery date of the sale price of the sell order according to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means. It also executes the increase amount procurement process of transmitting the remittance instruction information for raising the increase amount to the securities company to withdraw the increase amount via the network. The asset management system according to claim 2, wherein the asset management system is configured. In the setting information storage means, as the setting information, the target portfolio used in the rebalancing process that is repeatedly executed, and the reduction amount when the rebalancing process is performed together with the reduction of the operating funds are stored.
The order making means is
The setting information is the total amount of the valuation amount of each issue constituting the portfolio at the time of acquisition based on the asset information acquired by the asset information acquisition means and the valuation amount of each issue at the time of acquisition minus the reduction amount. The stock and amount or quantity to be sold, the securities company that executes the sell order, and the stock and amount or quantity to be purchased are based on the difference between the amount of each stock and the amount of each stock allocated according to the above-mentioned target portfolio stored in the storage means. The asset management system according to claim 2, wherein a securities company for executing a buy order is determined, and a rebalancing process for creating order data for the sell order and the buy order is executed. .. The asset information acquisition means is
As the asset information, the customer's cash balance and / or money reserved fund balance is acquired from each of the plurality of securities company systems via the network, and the customer's ordinary is obtained from at least one bank system via the network. It is configured to execute the process of acquiring the deposit balance,
The adjustment information creating means is
Self-procurement of the cash balance or money reserved fund balance of the securities company acquired by the asset information acquisition means, or the ordinary deposit balance of the bank, which is temporarily used as the funds for advance allocation of the purchase capacity. The amount is defined as the amount obtained by subtracting this self-procured amount from the total amount of the funds for advance allocation of the purchase capacity, and the process of determining the amount of contribution is executed.
The operation management information creation means is
As the deposit / withdrawal management information, the remittance instruction information for contribution and the remittance instruction information for depositing the contribution amount as a part of the funds for advance allocation of the purchase capacity to the securities company that executes the purchase order. In addition to the transmission timing / destination information, the remittance instruction information for self-procurement for depositing the self-procured amount as a remaining part of the funds for advance allocation of the purchase capacity and the transmission timing / transmission of this remittance instruction information. Along with creating destination information
In addition to the remittance instruction information for refund and the transmission timing / destination information of the remittance instruction information for allocating a part of the sale price withdrawn from the securities company that executed the sell order to the refund of the contribution amount. , Remittance instruction information for returning the self-raised amount to return the remaining part of the sale price to the bank or securities company that became the funding source financial institution of the self-raised amount, and the transmission timing of this remittance instruction information It is configured to create destination information and execute the process of storing it in the operation management information storage means.
The operation processing means is
The sell order process for transmitting the sell order instruction information and
Contribution processing to send the remittance instruction information for contribution and
In addition to this contribution processing, the buy order is placed on the day before the delivery date of the sale price of the sell order according to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means. Sending the remittance instruction information for self-procurement to the securities company to be executed so that the self-procurement amount is deposited to the bank system or the securities company system that is the financial institution that is the source of the raised funds via the network. Self-financing process and
The buy order process for transmitting the buy order instruction information and
Refund processing to send the remittance instruction information for refund and
In addition to this refund processing, the sale price is the delivery date of the sale price of the sell order or the day after the delivery date according to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means. The registered bank system in which the sale price was withdrawn via the network with the remittance instruction information for the self-raised amount return so that the self-raised amount can be returned to the raised fund source financial institution. The asset management according to any one of claims 2 to 5, wherein the self-financed amount refund process to be transmitted to the securities company system that executed the sell order and / or the sell order is executed. system. The order making means is
It is configured to execute a process of accepting at least one input of the customer to cancel the sell order and the buy order before the execution or to correct the reduction of the amount or quantity.
The adjustment information creating means is
During the adjustment period, if the order creation means accepts the input of the cancellation, the contribution amount is changed to zero, and if the input of the correction of the reduction of the amount or quantity is accepted, after the correction. It is configured to execute the process of reducing the contribution amount using the amount or quantity of
The operation management information creation means is
When the cancellation input is accepted by the order creation means,
As the sell order management information, the sell order cancellation instruction information for canceling the sell order and the transmission timing / destination information of the sell order cancellation instruction information are created.
As the buy order management information, the buy order cancellation instruction information for canceling the buy order and the transmission timing / destination information of the buy order cancellation instruction information are created.
As the deposit / withdrawal management information, remittance instruction information for cancellation refund for refunding the contribution amount deposited as the funds for advance allocation of the purchase capacity to the securities company executing the purchase order earlier than planned, and the remittance instruction information thereof. Create the transmission timing / destination information of the remittance instruction information,
When the order creation means accepts the input of the correction of the amount or quantity reduction,
As the sell order management information, the sell order correction instruction information for correcting the sell order and the transmission timing / destination information of the sell order correction instruction information are created.
As the buy order management information, the buy order correction instruction information for correcting the buy order and the transmission timing / destination information of the buy order correction instruction information are created.
As the deposit / withdrawal management information, a remittance instruction for correction refund for refunding the reduced amount of the contribution amount deposited as the funds for advance allocation of the purchase capacity to the securities company executing the purchase order earlier than planned. It is configured to create information and transmission timing / destination information of this remittance instruction information, and also execute a process of storing it in the operation management information storage means.
The operation processing means is
When the input of the cancellation is received by the order creation means, as the operation process,
According to the transmission timing / destination information of the sell order management information stored in the operation management information storage means, the sell order cancellation instruction information is sent to the same securities company system as the destination of the sell order instruction information via the network. Cancellation process of sell order to be sent and
According to the transmission timing / destination information of the buy order management information stored in the operation management information storage means, the buy order cancellation instruction information is sent to the same securities company system as the destination of the buy order instruction information via the network. Buy order cancellation process to send and
According to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means, the contribution amount deposited as the purchase reserve advance allocation fund to the securities company that executes the purchase order is described. The cancellation refund process is executed to send the remittance instruction information for cancellation refund for refunding to the coordinating bank system to the same securities company system as the destination of the purchase order instruction information via the network.
When the input of the correction of the reduction of the amount or the quantity is received by the order making means, as the operation process,
According to the transmission timing / destination information of the sell order management information stored in the operation management information storage means, the sell order correction instruction information is sent to the same securities company system as the destination of the sell order instruction information via the network. Sell order correction process to send and
According to the transmission timing / destination information of the buy order management information stored in the operation management information storage means, the buy order correction instruction information is sent to the same securities company system as the transmission destination of the buy order instruction information via the network. Buy order correction process to send and
According to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means, the reduced amount of the contribution amount deposited as the funds for advance allocation of the purchase capacity is refunded to the adjustment bank system. The request is characterized in that it is configured to execute a correction refund process for transmitting the remittance instruction information for the correction refund for the purpose to the same securities company system as the destination of the purchase order instruction information via the network. The asset management system according to any one of Items 2 to 6. The adjustment information creating means is
When the sell order for which order data has been created by the order creation means in combination with the buy order is regarded as a set sell order, from the deposit date of the funds for advance allocation of the purchase capacity or the day before the deposit date. During the adjustment period of the standard length, which is the delivery date of the sale price of the sell order of the group or the day after the delivery date, the delivery date is on the day before the delivery date of the sale price of the sell order of the group. If there is another sell order that arrives and the execution process of the set of sell orders and the other sell order is performed in the same securities company system,
When the sale price of the other sell order is equal to or greater than the contribution amount, the other sell order is placed from the deposit date of the funds for advance allocation of the purchase capacity or the day before the deposit date instead of the adjustment period of the standard length. Determine the delivery date of the sale price or a short adjustment period until the day after this delivery date,
When the sale price of the other sell order is less than the above contribution amount, the contribution amount on the day after the delivery date of the sale price of the other sell order or the day after the next day is reduced by the sale price of the other sell order. It is configured to execute the processing to be performed.
The operation management information creation means is
When the sale price of the other sell order is equal to or greater than the contribution amount, the deposit / withdrawal management information includes the remittance instruction information for refund for refunding the contribution amount by the sale price of the sale order of the group. Instead of the remittance instruction information transmission timing / destination information, the remittance instruction information for refund for refunding the contribution amount by the sale price of the other sell order and the remittance instruction information transmission timing / destination information Create and
When the sale price of the other sell order is less than the contribution amount, the deposit / withdrawal management information includes the remittance instruction information for refund for refunding the contribution amount by the sale price of the sale order of the group. Instead of the remittance instruction information transmission timing / destination information, the remittance instruction information for intermediate refund and the transmission timing of this remittance instruction information for refunding a part of the contribution amount by the sale price of the other sell order. -Remittance instruction information for final refund and the transmission timing of this remittance instruction information for creating the destination information and refunding the remaining part of the contribution amount by a part of the sale price of the sell order of the group. It is configured to create the destination information and execute the process of storing it in the operation management information storage means.
The operation processing means is
When the sale price of the other sell order is equal to or greater than the contribution amount, as the operation process,
According to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means, the sale price obtained by executing the other sell order is the amount of the contribution to the adjustment bank system. The registered banking system in which the sale price of the other sell order was withdrawn via the network and / or the securities that executed the execution process of the other sell order, with the remittance instruction information for the refund to be applied to the refund. Perform the refund process to send to the company system,
When the sale price of the other sell order is less than the contribution amount, as the operation process,
According to the transmission timing / destination information of the deposit / withdrawal management information stored in the operation management information storage means, the sale price obtained by executing the other sell order is the amount of the contribution to the adjustment bank system. The transfer instruction information for the interim refund to be applied to a part of the refund is used in the registered bank system in which the sale price of the other sell order is withdrawn via the network and / or the execution process of the other sell order. Intermediate refund processing to be sent to the securities company system that performed
Through the network, the transfer instruction information for the final refund for applying the sale price obtained by executing the sell order of the set to refund the remaining part of the contribution amount to the adjustment bank system. It is configured to execute the final refund process of sending the sale price of the set of sell orders to the registered bank system from which the sale price was withdrawn and / or the securities company system that executed the sell order of the set. The asset management system according to any one of claims 2 to 7. A program for operating a computer as the asset management system according to any one of claims 1 to 8.

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