JP2023026086A - Information processing device and information processing method thereof - Google Patents

Abstract

To provide a technology capable of lowering a hurdle to investment by supporting procedures of a transaction by a user.SOLUTION: An information processing device according to the present disclosure includes the means for: managing actual or virtual investment to a product as a position; receiving settings related to a condition that should be satisfied by the total amount or an increase/decrease of evaluation amounts of a plurality of different positions owned by a user in order to set an investment target; and settling the plurality of different positions at that point of time when the condition that should be satisfied by the total amount or the increase/decrease of the evaluation amounts of the plurality of positions is satisfied.SELECTED DRAWING: Figure 33

Description

The present invention relates to an information processing apparatus and an information processing method for managing investment according to goals.

Investments such as stock trading, foreign exchange margin trading, futures trading, and bond trading have a long history. In recent years, there has been proposed a service that invests electronic value such as points, targeting people who are interested in investing but are reluctant to actually invest money (see, for example, Patent Document 1). .

The microfinance promotion support system described in Patent Literature 1 utilizes user points for microfinance. This system accepts from a user terminal a specification of the number of reserved points, which is the number of points to be reserved from among the number of points available to the user. The designated number of reserved points is written in a storage means, and the validity period of points corresponding to the designated number of reserved points is extended based on the reserved period of the designated number of reserved points. The information processing necessary for the investment amount to be invested as a small loan, which is determined based on the number of reserved points stored in the storage means, to be invested in the investment destination is executed.

JP 2009-217312 A

The concept of limit orders and stop orders in investment is well known. In particular, if a limit price and a stop limit price are set at the time of placing an order, settlement will be automatically performed when the conditions for the limit price or stop price are met without checking every day.

If you are an investment expert, you can set the limit price and stop price based on your strategy, but for beginners, even if you understand the concept of the limit price and stop price, how much should you actually set? I often don't understand. This is one of the factors that raise the hurdles to investment.

In addition, it is recommended for novice investors to reduce investment risk by diversifying investments in a plurality of investment targets with different properties, rather than limiting the investment target to one. However, in asset value management, although there are cases where the total value of multiple investment targets should be considered, it is necessary to make trading decisions and procedures for each individual investment target. That is, when aiming for a certain target as a whole while investing in a plurality of investment targets, it is necessary to go through procedures for each investment target in order to take profits and cut losses, which complicates the work. As a result, the hurdles to investment may become high for novice investors. In particular, the greater the variety of investment products, the more complicated the buying and selling decisions and procedures.

The present invention has been made in view of these problems, and its object is to provide a technology that can assist users in their trading procedures, thereby lowering the hurdles to investment.

In order to solve this problem, for example, an information processing apparatus according to the present invention has the following configuration. i.e.
means for managing real or virtual investments in commodities as positions;
Means for receiving settings related to conditions to be satisfied by the sum or increase/decrease of the evaluation values of different positions owned by the user for setting investment goals;
and means for settling the plurality of different positions at the time when the condition that the sum or the increase or decrease of the valuation values of the plurality of positions satisfies is satisfied.
Further, an information processing method according to the present invention has the following configuration. i.e.
An information processing method executed by an information processing device that manages an actual or virtual investment in a product as a position,
Receiving settings related to conditions to be satisfied by the total or increase/decrease of valuation amounts of different positions owned by the user for setting investment targets;
and closing the plurality of different positions at the time when the condition that the total or increase or decrease of the valuation values of the plurality of positions satisfies.

ADVANTAGE OF THE INVENTION According to this invention, it becomes possible to support the procedure of buying and selling by a user, and to lower the hurdle to investment by it.

1 is a schematic diagram showing the configuration of a point investment system according to an embodiment; FIG. 2 is a hardware configuration diagram of an investment server as an example of the information processing apparatus in FIG. 1; FIG. 2 is a block diagram showing the functions and configuration of an investment server in FIG. 1; FIG. 4 is a data structure diagram showing an example of a user information holding unit in FIG. 3; FIG. FIG. 4 is a schematic diagram showing an example of the relationship between investment points and prizes in a point investment service; FIG. 4 is a data structure diagram showing an example of a prize information holding unit in FIG. 3; FIG. 2 is a flow chart showing a series of processes in the investment server of FIG. 1; FIG. FIG. 10 is a representative screen diagram of a login screen displayed on the display of the mobile terminal; FIG. 4 is a representative screen diagram of a home screen displayed on the display of the mobile terminal; FIG. 10 is a representative screen diagram of a conversion screen displayed on the display of the mobile terminal; FIG. 10 is a representative screen diagram of an investment target selection screen displayed on the display of the mobile terminal; It is a representative screen diagram of a new order acceptance screen displayed on the display of the portable terminal. FIG. 4 is a representative screen diagram of a holding status display screen displayed on the display of the mobile terminal; FIG. 10 is a representative screen diagram of a market settlement acceptance screen displayed on the display of the mobile terminal; FIG. 10 is a representative screen diagram of a prize exchange screen displayed on the display of the mobile terminal; FIG. 10 is a representative screen diagram of a free gift application screen displayed on the display of the mobile terminal; It is a figure which shows the table|surface which arranged the presence or absence of the slip in embodiment. FIG. 11 is a schematic diagram showing an example of the relationship between investment points and prizes according to a modification; FIG. 11 is a schematic diagram illustrating a scheme using a plurality of investment points according to a modification; It is a representative screen figure of the goal setting screen displayed on the display of a portable terminal. FIG. 4 is a representative screen diagram of a home screen displayed on the display of the mobile terminal; FIG. 10 is a representative screen diagram of the home screen in a state where the profit-fixing condition setting dialog is displayed; FIG. 10 is a representative screen diagram of the home screen in a state where the stop-loss condition setting dialogue is displayed. FIG. 10 is a representative screen diagram of another home screen displayed on the display of the mobile terminal; FIG. 4 is a diagram for explaining fluctuations in the rate of a certain currency or total investment points, and the timing of payment processing; Figure (1) explaining an example of each variation of multiple positions Diagram (1) showing an example of correction processing for the total investment points that have been settled Figure (2) explaining an example of each variation of multiple positions Diagram (2) showing an example of correction processing for the total investment points that have been settled Figure (3) explaining an example of each variation of multiple positions Diagram (3) showing an example of correction processing for the total investment points that have been settled It is a representative screen figure of the transaction result screen displayed on the display of a portable terminal. 10 is a flow chart of the operation of executing settlement processing based on the total investment points in the investment server. FIG. 10 is a representative screen diagram of a graphical new order acceptance screen displayed on the display of the mobile terminal; FIG. 11 is a representative screen diagram showing the graphical new order acceptance screen after dragging the stop-loss condition change object upward by a predetermined distance; FIG. 11 is a representative screen diagram showing the graphical new order acceptance screen after changing the magnification.

Hereinafter, embodiments will be described in detail with reference to the accompanying drawings. It should be noted that the following embodiments do not limit the invention according to the claims, and not all combinations of features described in the embodiments are essential to the invention. Two or more of the features described in the embodiments may be combined arbitrarily. Also, the same or similar configurations are denoted by the same reference numerals, and redundant explanations are omitted.

In the following description, first, a technology that can lower the investment hurdles by supporting the user in setting the limit price and the stop limit price will be described. After that, when a user invests in a plurality of investment targets, a technique for supporting the user's trading procedures and lowering the investment hurdles will be described.

In the point investment system according to the embodiment, acquired points acquired in various situations are converted into investment points for investment, and the obtained investment points are used for investment such as FX (Foreign Exchange, foreign exchange margin trading). Operate with In particular, investment points can be exchanged for prizes whose value changes stepwise. For example, the investment point range of 10000 points (hereinafter referred to as pt) to 11999pt has the same value in that it can be exchanged for the same prize A, and 12000pt to 13999pt can be exchanged for another better prize B. It still has "same value" in that it is possible. This allows the user to set the profit-taking target at the very bottom of the stairs corresponding to the desired prize. Also, the user may set the target of loss cut at the very bottom of the stairs corresponding to the prize that the user wants to keep at least. In the above example of prizes A and B, if the user wants to secure prize A at a minimum, but wants to aim for prize B through operation, the user sets the profit taking target to 12000pt and the loss cut target to 10000pt. You can easily understand what you should do. As described above, according to the point investment system according to the present embodiment, the user can make investment decisions more easily, and the investment hurdles can be lowered.

FIG. 1 is a schematic diagram showing the configuration of a point investment system 2 according to an embodiment. The point investment system 2 includes a mobile terminal 4, an information distribution server 8, and an investment server 10. - 特許庁The mobile terminal 4 , the information distribution server 8 , and the investment server 10 are each connected to a network 6 such as the Internet, and configured to communicate with each other via the network 6 . The configuration shown in FIG. 1 is an example, and the number of mobile terminals 4 and servers 8 and 10 is not limited. Each server 8, 10 may include multiple servers. For example, the investment server 10 and the information distribution server 8 can be configured as one server, or each block component of the investment server 10, which will be described later, can be configured as a server.

The investment server 10 is an example of an information processing device, and manages earned points and investment points of users who use the point investment service provided by the point investment system 2 . Acquired points are points acquired by the user through the point investment service, other loyalty programs, point services, mileage programs, and the like. Earned points can be exchanged for prizes (eg, goods or services) at a predetermined rate as determined by the issuer. Investment points are points that can be invested in virtual investment objects (stocks, investment trusts, futures, FX, etc.) provided by the point investment service. The investment points can be exchanged for prizes whose value changes stepwise according to the points determined by the issuer, that is, the provider of the point investment service.

In this specification, investment in a virtual investment target is called virtual investment or virtual investment. Virtual investment is a type of investment that makes the user feel as if he or she is trading a financial product by processing data without actually buying, selling, trading, or transferring rights to the financial product. Virtual investment is relatively easy to implement because it does not involve buying and selling of actual financial products.

There is a difference between earned points and invested points. For example, the entity that issues acquisition points and the entity that issues investment points may be different. In the above example, the entity that issues the investment points is the provider of the point investment service, while the acquired points may be issued by entities other than the provider, such as the provider of the loyalty program. Also, the mode of exchanging acquired points for prizes and the mode of exchanging investment points for prizes are different. For example, earned points may be used at a physical store, while investment points may be used only for exchange for prizes. The range of prizes that can be exchanged for acquired points may be wider than the range of prizes that can be exchanged for investment points, and vice versa. The exchange rate of earned points for gifts may be more advantageous to the user than the exchange rate of investment points for gifts, and vice versa. The exchange rate from earned points to investment points and the exchange rate from investment points to earned points may be the same or different. When promoting conversion to investment points, the exchange rate from earned points to investment points may be set more favorable than the exchange rate from investment points to earned points. Alternatively, if the expiration date of the points is to be maintained, the acquired points and the investment points are exchangeable, and if the expiration date is to be extended, the conversion may be irreversible. Alternatively, when narrowing down the prizes, conversion from earned points to investment points may be irreversible. Alternatively, the conversion of earned points to invested points may simply be irreversible.

The information distribution server 8 distributes to the investment server 10 via the network 6 information necessary for processing the virtual investment in the investment server 10 . The information distributed by the information distribution server 8 includes the Nikkei Stock Average and stock prices of specific companies if the virtual investment target is stocks, and includes the exchange rate if the virtual investment target is FX. The information distribution server 8 may be a server installed in the exchange. A case where the virtual investment target is FX will be described below, but it is obvious to those skilled in the art who have read this specification that the same description holds true for other investment targets as well.

The mobile terminal 4 is a mobile terminal of a user who uses the point investment service, and may be, for example, a smart phone, a tablet terminal, a laptop PC, or the like. The user downloads and installs a point investment application program (hereinafter referred to as a point investment application) from the download site to the mobile terminal 4 via the network 6 . Alternatively, the point investment application may be pre-installed on the mobile terminal 4 . The point investment application is provided by a point investment service provider. As the point investment application is executed by the mobile terminal 4, the mobile terminal 4 realizes various functions. It should be noted that not only the implementation by the application on the client side, but also the client side may be implemented by the Web application. Also, part of the means of the server may be changed and placed on the client side, or conversely, part of the means of the client may be changed and placed on the server side. In the present embodiment, the investment server is an example of an information processing device. In this case, the mobile terminal 4 can be an example of an information processing device.

FIG. 2 is a hardware configuration diagram of the investment server 10 of FIG. Investment server 10 includes memory 102 , processor 104 , communication interface 106 , display 108 and input interface 110 . Each of these elements is connected to bus 112 and communicates with each other via bus 112 .

The memory 102 is a storage area for storing data and programs. Data and programs may be stored in memory 102 permanently or temporarily. The processor 104 implements various functions of the investment server 10 by executing programs stored in the memory 102 . The communication interface 106 is an interface for transmitting and receiving data to and from the outside of the investment server 10 . The communication interface 106 is connected to the network 6 and exchanges data with the mobile terminal 4 and the information distribution server 8 via the network 6 . A display 108 is a device for displaying various information. The input interface 110 is a device for accepting input from the administrator of the point investment system 2 .

FIG. 3 is a block diagram showing the functions and configuration of the investment server 10 of FIG. Each block shown here can be implemented by hardware such as a computer CPU and other elements and mechanical devices, and is implemented by software such as a computer program. It depicts the function blocks to be used. Therefore, those skilled in the art who have read this specification will understand that these functional blocks can be implemented in various ways by combining hardware and software.

The investment server 10 includes a conversion request reception unit 122, a point conversion unit 124, an investment instruction reception unit 126, a virtual investment processing unit 128, a prize exchange processing unit 132, a user information holding unit 134, and a prize information holding unit. 136 and.

FIG. 4 is a data structure diagram showing an example of the user information holding unit 134 of FIG. The user information holding unit 134 holds a user ID that identifies the user, a password as the user's qualification information, information about the user's earned points, and information about the user's investment points, in association with each other. The information about earned points includes the number of earned points that the user has. Information about investment points includes the number of uninvested investment points owned by the user, the number of investment points already invested, and details of the investment. The contents of the investment are the currency to be invested in FX, the actual contract rate, the position (by selling/buying), the amount of currency held, the multiplier, the specified profit amount related to profit taking, and the loss It includes a specified loss amount for a cut, an exchange rate for a limit order (hereinafter simply referred to as a limit order), and an exchange rate for a stop order (hereinafter simply referred to as a stop order).

In the example of FIG. 4, user "A0001" currently has earned points of "25000pt", has investment points (uninvested) that can be used for FX investment of "1500pt", and has "USD". It has a “buy” position for “100” currencies, and the contract rate when the buy position was established is “100.00pt/USD”, so the investment trust points invested when the buy position was established was "10000pt". Furthermore, it is indicated that the magnification specified when the buy position was established was "1.times." and that there was a specification to take profit if a profit of "500pt" was made and to cut a loss if a loss of "300pt" was made. By the automatic setting function of the limit price and the stop order price, which will be described later, the limit price is set to "105.00pt/USD" for the profit of "500pt", and the stop order price is set to "97.00pt/USD" for the loss of "300pt". ” is set. In this embodiment, a case where 1 yen is converted into 1 point is described as an example, but conversion between currency and points is not limited to this.

FIG. 5 is a schematic diagram showing an example of the relationship between investment points and prizes in the point investment service. In the point investment service, investment points can be exchanged for gifts of predetermined attributes or types. In the example of FIG. 5, investment points can be exchanged for prizes belonging to leisure/travel. In this example, since the investment points have no use other than to be exchanged for leisure/travel prizes, the investment points correspond to the leisure/travel prize type. In other examples, investment points may correspond to other types of prizes such as appliances, groceries, and the like.

The prize is associated with a range of investment points, and can be exchanged for investment points within the range. In the example of FIG. 5, the prize "amusement park pair admission ticket" is associated with the range of investment points "10000pt to 11999pt", and the prize "1 night 2 days crab" is associated with the range of investment points "12000pt to 13999pt". , and the prize “one week trip to Paris” is associated with the investment point range “14000pt to 15999pt”.

FIG. 6 is a data structure diagram showing an example of the prize information holding unit 136 of FIG. The premium information holding unit 136 associates and stores a premium ID specifying a premium, the name of the premium, and the range of investment points that can be exchanged for the premium.

Returning to FIG. 3 , the conversion request accepting unit 122 accepts a request for converting acquired points into investment points from the mobile terminal 4 of the user via the network 6 . The mobile terminal 4 receives an instruction from the user to convert the earned points into investment points on a conversion screen 502 described later, and transmits a request for the conversion to the investment server 10 via the network 6 . The conversion request includes the number of points to be converted.

In the point investment service realized by the point investment system 2, acquisition points can be freely converted into investment points, and vice versa, that is, investment points can be freely converted into acquisition points. In other embodiments, conversion of investment points to earned points may not be envisioned or implemented.

When the conversion request receiving unit 122 receives the conversion request, the point conversion unit 124 converts the acquired points into investment points according to the received request. The rate of conversion from earned points to investment points in the point conversion unit 124 may be appropriately set by the provider of the point investment service. For example, when the conversion rate is set to 2, if the number of acquired points at the conversion source is "50 points", the investment point number at the conversion destination is "100 points". The point conversion unit 124 updates the user information holding unit 134 with the conversion result. In addition, the point conversion unit 124 may notify the server (not shown) of the acquired point issuer via the network 6 of the user ID specifying the user and the number of acquired points to be converted. The earned point issuer may subtract the notified number of earned points from the user's earned point balance. The earned point issuer may provide the point investment service provider with consideration corresponding to the earned points thus consumed. The provider may prepare a gift (also referred to as a privilege) that can be exchanged for investment points using this price as a resource.

The investment instruction receiving unit 126 receives an investment instruction for investing the investment points obtained as a result of conversion from the user's portable terminal 4 via the network 6 . This investment instruction is an instruction relating to a new order for opening a new position. The investment instruction receiving unit 126 displays a new order receiving screen 504 (described later) including the exchange rate on the display of the user's portable terminal 4 via the network 6 . The mobile terminal 4 receives a new order instruction from the user on the new order acceptance screen 504 to place a new order for FX using the user's uninvested investment points, and sends the new order instruction to the investment server 10 via the network 6 . Send via

A new order instruction contains the following information:
● Trading currency (USD, EUR, GBP, etc.)
●Position to open (Sell/Buy)
● Number of trading investment points ● Investment multiplier (x1, x3, x10, etc.)
● Take-profit condition, that is, the number of investment points that increase to take profit. ● Stop loss condition, that is, the number of investment points that decrease to cut loss.
In the example of the present embodiment, a case where an investment multiple is applied to the number of points to be traded will be described as an example. can be In this case, for example, 1 investment point may be converted into 1 yen of the currency.

In response to the new order instruction received by the investment instruction receiving unit 126, the virtual investment processing unit 128 executes the new order at the actual exchange rate at that time, which may differ from the exchange rate displayed on the new order receiving screen 504. make a promise Assuming that the number of investment points to be traded is A and the actual exchange rate is R, the virtual investment processing unit 128 sets A/R as the contracted transaction currency amount T (T=A/R). Assuming that the exchange rate displayed on the new order acceptance screen 504 is S, there are cases where R≠S due to a time lag. In this case, the user placed a new order expecting that T'=A/S, but the order was actually executed at T=A/R, resulting in a trading result different from the user's expectation. This is called a "slippage" of the exchange rate. In the present embodiment, the slippage of the exchange rate at the time of new order is allowed, but it is assumed that the exchange rate does not slip at the time of settlement, which will be described later. Since the transaction of this embodiment is a virtual FX transaction, unlike the actual transaction, the system can arbitrarily set whether or not the exchange rate slips.

The virtual investment processing unit 128 sets a limit price for the new order based on the contracted transaction currency amount T, the profit taking condition, the actual exchange rate R at the time of contracting, and the investment ratio. Assuming that the increase in the number of investment points included in the profit taking condition is ΔI, the limit price to be set is Q, and the investment multiple is N, the virtual investment processing unit 128, for the buy position,
Q=R+ΔI/(T×N)
Set the limit price Q by The above formula is ΔI=(Q−R)×T×N
is derived from The virtual investment processing unit 128, regarding the sell position,
Q=R−ΔI/(T×N)
Set the limit price Q by The above formula is ΔI=(R−Q)×T×N
is derived from

The virtual investment processing unit 128 sets a stop order price for the new order based on the contracted transaction currency amount T, the loss cut condition, the actual exchange rate R at the time of contract, and the investment multiplier N. Let ΔJ be the number of investment point decreases included in the stop-loss condition, P be the stop order price to be set, and N be the investment multiplier.
P=R−ΔJ/(T×N)
Set the stop order price P by The above formula is ΔJ=(R−P)×T×N
is derived from The virtual investment processing unit 128, regarding the sell position,
P=R+ΔJ/(T×N)
Set the stop order price P by The above formula is ΔJ=(PR)×T×N
is derived from

The automatic setting function of the limit price and the stop price will be explained using an example. Assume that when the exchange rate displayed on the new order acceptance screen 504 is 100.00pt/USD, the user designates 100,000pt and places an order to open a buy position. The user expects to open a buy position of 1000 USD, but due to the exchange rate slipping to 101.01pt/USD, a buy position of 100000/101.01≈990 USD is actually opened. Here, if the user specifies 5000pt as the increase in the number of investment points to take profit and x1 as the investment multiplier, the limit price is
101.01 (pt/USD) + 5000 (pt)/(990 (USD) x 1)
≒ 106.06 (pt/USD)
is calculated and set automatically. If the user specifies 3000pt as the decrease in investment points to be cut off and x1 as the investment multiplier, the stop order will be
101.01 (pt/USD) - 3000 (pt)/(990 (USD) x 1)
≈97.98 (pt/USD)
is calculated and set automatically.

If the exchange rate does not slip, a buy position of 1000 USD will be established as expected by the user, so the limit price will be 105.00 pt/USD against the profit take line of 5000 pt, and the stop order will be 97 against the loss cut line of 3000 pt. .00pt/USD. Therefore, the automatically set limit price and stop price are different from the limit price and stop price that the user expects from the display rate. However, if the profit is taken at the automatically set limit price, it will be 106.06 (pt/USD) × 990 (USD) ≒ 105000 (pt), and the increase in investment points as specified by the user (= 5000pt) is realized. Similarly, if the loss is cut at the stop price automatically set above, it will be 97.98 (pt / USD) × 990 (USD) ≈ 97000 (pt), and the amount of decrease in investment points as specified by the user (= 3000pt ) is realized.

In the present embodiment, the number of investment points to be traded is fixed in a new order, and fluctuations in exchange rate fluctuations are absorbed by fluctuations in contracted transaction currency amounts. On the other hand, it is also conceivable to fix the transaction currency amount and absorb the fluctuation of the exchange rate by the fluctuation of the number of investment points. In this case, using the same assumptions as in the example above, a long position of 1000 USD would be opened using 101010pt. The take profit line is 101.01+5000/1000=106.01pt/USD for the take profit line of 5000pt, and the stop order is 101.01-3000/1000=98.01pt/USD for the stop loss line of 3000pt. If profit is taken at this limit price, it will be 106.01 (pt/USD) x 1000 (USD) ≈ 106010 (pt), which is a deviation (106010 - 105000 = 1010) from the increase specified by the user. Similarly, if the loss is cut at the above stop price, it will be 98.01 (pt / USD) × 1000 (USD) = 98010 (pt), and a deviation from the decrease amount specified by the user (98010-97000 = 1010) will occur do.

In this way, if fluctuations in the exchange rate are absorbed by fluctuations in the number of investment points, the increase or decrease in investment points when taking profits or cutting losses will differ from the user's assumptions. Since the value of the prize changes stepwise in this embodiment, such an unexpected result is undesirable for the user. This is because users often set the take profit line and the stop loss line at the marginal point. On the other hand, if the number of investment points to be traded is fixed, the slippage of the exchange rate is reflected in the transaction currency amount obtained as a result of the contract, and the limit price and stop price are automatically set, it is possible to take profit or lose money. When the cut occurs, the investment points increase or decrease as expected by the user. Therefore, it is possible to automatically set the limit price and the stop limit price more suitable for the point investment system 2 in which the value of the prize changes stepwise.

The virtual investment processing unit 128 monitors the exchange rate, and when the profit taking execution condition for a position for which the profit taking condition is set is satisfied, the position is settled (closed) at the set limit price. The profit-taking execution condition is met when the exchange rate exceeds the limit price, for example in the case of a buy position, in which case the limit price itself is settled rather than the actual exchange rate above the limit price. The profit-taking execution condition, for example, is met when the exchange rate falls below the limit price in the case of a sell position, and in this case as well, the limit price itself is settled instead of the actual exchange rate below the limit price.

The virtual investment processing unit 128 monitors the exchange rate, and when the loss cut execution condition for a position for which a loss cut condition is set is satisfied, the position is settled at the set stop order price. The stop-loss execution condition is met when the exchange rate falls below the stop-loss price, for example in the case of a buy position, in which case the stop-loss is settled at the stop-loss price itself rather than the actual exchange rate below the stop-loss price. The stop-loss execution condition is met when the exchange rate exceeds the stop-loss price in the case of a sell position, for example, and in this case as well, settlement is made at the stop-loss price itself instead of the actual exchange rate exceeding the stop-loss price.

The virtual investment processing unit 128 causes the display of the user's portable terminal 4 to display a market settlement acceptance screen (described later) including the exchange rate via the network 6 . The portable terminal 4 accepts a market settlement instruction for making market settlement from the user on the market settlement acceptance screen, and transmits the market settlement instruction to the investment server 10 via the network 6 . When the virtual investment processing unit 128 receives the market settlement instruction, it settles the target position at the exchange rate displayed on the market settlement acceptance screen.

The gift exchange processing unit 132 receives from the user's portable terminal 4 via the network 6 an exchange instruction for exchanging the investment points increased or decreased as a result of the FX investment for a gift. The prize exchange processing unit 132 refers to the prize information holding unit 136 based on the received exchange instruction, and executes prize exchange processing. The prize exchange processing unit 132 causes the display of the user's mobile terminal 4 to display a prize exchange screen (described later) including a list of prizes that can be exchanged with the user's current investment points via the network 6 . The mobile terminal 4 receives an exchange instruction including designation of a prize to be exchanged from the user via the prize exchange screen, and transmits the received exchange instruction to the investment server 10 via the network 6 . The prize exchange processing unit 132 refers to the prize information holding unit 136 and reads out the lower limit value of investment points corresponding to the designated prize. The gift exchange processing unit 132 accesses the user information holding unit 134 and subtracts the read lower limit value of investment points from the uninvested investment points of the user. The prize exchange processing unit 132 also performs processing for making the specified prize the property of the user.

The operation of the investment server 10 configured as above will be described.

FIG. 7 is a flow chart showing a series of processes in the investment server 10 of FIG. The investment server 10 receives a request for conversion of acquired points to investment points (S702). The investment server 10 executes processing for converting acquired points into investment points based on the received request (S704). The investment server 10 registers the conversion result in the user information holding unit 134 . It should be noted that, when directly investing without converting owned points into investment points, the processes of S702 and S704 are not essential, and the investment server 10 may start the process from S706.

The investment server 10 receives an investment instruction for investing investment points (S706). The investment server 10 determines the type of investment instruction (S708). If the investment instruction is a market settlement instruction ("market settlement" in S708), the investment server 10 performs market settlement at the exchange rate displayed on the market settlement acceptance screen (S716).

If the investment instruction is a new order instruction ("new order" in S708), the investment server 10 executes the new order at the actual rate at that time (S710). The investment server 10 sets an order price based on the amount of contracted currency, the increased amount of investment points related to the profit taking conditions, the actual rate at the time of contracting, and the multiplier (S712). The investment server 10 sets a stop order price based on the amount of contracted currency, the amount of decrease in investment points related to the loss cut condition, the actual rate at the time of contracting, and the multiplier (S714). The investment server 10 registers the contracted amount of currency, the set limit price, and the set stop order price in the user information holding unit 134 .

The investment server 10 monitors the exchange rate and determines whether the exchange rate has reached the set limit price or the set stop price (S718). When the limit price is reached ("limit price reached" in S718), the investment server 10 settles the target position at the limit price (S720). When the stop order price is reached (“Stop order reached” in S718), the investment server 10 settles the target position at the stop order price (S722).

The investment server 10 receives an exchange instruction for exchanging investment points for gifts (S724). The investment server 10 executes prize exchange processing (S726).

FIG. 8 is a representative screen diagram of the login screen 506 displayed on the display 40 of the mobile terminal 4. As shown in FIG. The user enters the user ID and password on the login screen 506 and taps the OK button. The mobile terminal 4 acquires the input user ID and password in response to the detection of the tap, and transmits them to the investment server 10 via the network 6 . The investment server 10 collates the user ID and password registered in the user information holding unit 134 with the received user ID and password, and performs user authentication. The investment server 10 transmits information indicating success or failure of user authentication to the mobile terminal 4 via the network 6 . The mobile terminal 4 causes the display 40 to display the home screen 500 when the user authentication is successful, and causes the display 40 to display a predetermined error screen (not shown) when the user authentication fails.

FIG. 9 is a representative screen diagram of the home screen 500 displayed on the display 40 of the mobile terminal 4. As shown in FIG. The home screen 500 displays the user ID 508 of the user who has successfully authenticated (or logged in), the current date and time 510, and an overview of the points held by the user. In particular, the home screen 500 displays the number of earned points 512 owned by the user and the number of invested points 516 owned by the user. The home screen 500 is provided with a gift/exchange button 524, a conversion to investment points button 526, a new order button 528, and a confirmation/payment button 530, which function as flow lines to the corresponding functions.

When the portable terminal 4 detects a tap on the conversion into investment points button 526 , the conversion screen 502 is displayed on the display 40 . FIG. 10 is a representative screen diagram of the conversion screen 502 displayed on the display 40 of the mobile terminal 4. As shown in FIG. The conversion screen 502 has an acquired point number 534, an acquired point number input/display area 536 of the conversion source, an investment point number input/display area 538 of the conversion destination, and a notice display area 542. . When the user inputs the desired number of acquired points in the input/display area 536 for the number of acquired points for conversion, the number of investment points for conversion corresponding to the input number of acquired points is calculated, and the number of investment points for conversion is input/displayed. Displayed in display area 538 . Conversely, when the user inputs the desired number of investment points in the input/display area 538 for the number of investment points to be converted, the number of acquired points for the conversion source corresponding to the input number of investment points is calculated. is displayed in the acquired point number input/display area 536. Reminder display area 542 includes text indicating that once earned points are converted to investment points, they cannot be converted back to earned points.

When the mobile terminal 4 detects that the OK button on the conversion screen 502 has been tapped, the mobile terminal 4 generates a conversion request including the acquired points input/displayed in the acquired points input/display area 536 of the conversion source, and Send to investment server 10 . Investment server 10 processes the conversion request as described above.

When the mobile terminal 4 detects that the new order button 528 on the home screen 500 has been tapped, the mobile terminal 4 causes the display 40 to display an investment target selection screen 544 . FIG. 11 is a representative screen diagram of an investment target selection screen 544 displayed on the display 40 of the mobile terminal 4. As shown in FIG. The investment target selection screen 544 has an uninvested investment point number 546 owned by the user and a plurality of investment target objects 548 , 549 and 550 . Each investment object displays the image and name of the currency, the exchange rate, the time of day, and the highest and lowest prices of the day. For example, a first investment object 548 corresponds to United States Dollars (USD), a second investment object 549 corresponds to Euros (EUR), and a third investment object 550 corresponds to British Pounds (GBP).

When the mobile terminal 4 detects a tap on any of the investment target objects included in the investment target selection screen 544 , the mobile terminal 4 causes the display 40 to display the new order acceptance screen 504 . FIG. 12 is a representative screen diagram of the new order acceptance screen 504 displayed on the display 40 of the mobile terminal 4. As shown in FIG. The order acceptance screen 504 displays the image and name 552 of the currency corresponding to the investment target object whose tap is detected on the investment target selection screen 544, that is, the investment target object selected by the user, and the exchange rate, time, and date of the currency. a status display area 554 for displaying status such as highest and lowest prices; the number of uninvested investment points the user has 556; a new order entry/display area 558 for entering/displaying details of a new order; It has a goal input/display area 560 for inputting/displaying conditions for taking profits and cutting losses, a planned total point number display area 562 and an order button 564 . Entering a goal condition may be optional, in which case the goal entry/display area 560 may be hidden by default.

The new order input/display area 558 includes an order type designation area 566 for receiving designation of the order type, a point number input area 568 for receiving input of the number of investment points to be traded, and an investment rate input area for receiving input of the investment rate. 570 and . The user selects the position to be opened from “sell” or “buy” in the order type designation area 566 and inputs the number of investment points to be invested in the point number input area 568 . This input may be made by directly entering numbers, or by using the left and right “+” and “−” buttons in the point number input area 568 . Similarly, the user enters an investment multiple in investment multiple input area 570 .

The goal input/display area 560 includes an increase number input area 572 for receiving input of the increase number of investment points related to the profit taking condition, a decrease number input area 574 for receiving input of the decrease number of investment points related to the cut loss condition, It has a tentative limit price 576 and a tentative stop price 578 . The user inputs the increased number of investment points that the user considers to be profitable in the increased number input area 572 , and inputs the decreased number of investment points that the user considers to be able to cut losses in the decreased number input area 574 . When a numerical value is entered in the increase number input area 572 , the corresponding limit price is calculated based on the exchange rate displayed in the status display area 554 and displayed in the provisional limit price 576 . When a numerical value is entered in the decrease number input area 574 , the corresponding stop order price is calculated based on the exchange rate displayed in the status display area 554 and displayed in the provisional stop order price 578 . The planned total point number display area 562 displays the number of investment points when the profit taking condition is achieved.

When the mobile terminal 4 detects the tap on the order button 564, the selected currency, the position specified in the order type specifying area 566, the number of investment points entered in the point number input area 568, and the investment ratio are displayed. A new order instruction including the investment ratio input in the input area 570, the increase number input in the increase number input area 572, and the decrease number input in the decrease number input area 574 is generated and sent to the investment server 10. Transmit via network 6 . The investment server 10 executes the new order processing described above based on the received new order instruction.

When the mobile terminal 4 detects that the holding status confirmation/payment button 530 on the home screen 500 has been tapped, the mobile terminal 4 causes the display 40 to display the holding status display screen 580 . FIG. 13 is a representative screen diagram of the possession status display screen 580 displayed on the display 40 of the mobile terminal 4. As shown in FIG. The holding status display screen 580 has an investing object 588 corresponding to an investing position. The investing object 588 displays the name of the currency being invested, the amount of currency held, the type of position, the current exchange rate, and a market settlement button 590 .

When the mobile terminal 4 detects a tap on the random settlement button 590 of any of the investing objects 588 included in the holding status display screen 580 , the portable terminal 4 causes the display 40 to display the random settlement acceptance screen 592 . FIG. 14 is a representative screen view of the eventual settlement acceptance screen 592 displayed on the display 40 of the mobile terminal 4. As shown in FIG. The market settlement acceptance screen 592 displays the name 594 of the currency of the position corresponding to the investment object whose tap has been detected on the holding status display screen 580, that is, the investment object selected by the user, and the current exchange rate 596 of that currency. , a position detail display area 597 for displaying the details of the position, an evaluation gain/loss 595 of the position, and a market settlement button 593 are displayed. When the mobile terminal 4 detects that the market settlement button 593 has been tapped, it generates a market settlement instruction including information specifying the position displayed on the market settlement acceptance screen 592, and transmits it to the investment server 10 via the network 6. . When the investment server 10 accepts the market settlement instruction, the investment server 10 settles the target position at the current exchange rate 596 displayed on the market settlement acceptance screen 592 .

When the portable terminal 4 detects a tap on the prize exchange button 524 on the home screen 500 , it displays the prize exchange screen 602 on the display 40 . FIG. 15 is a representative screen diagram of a gift exchange screen 602 displayed on the display 40 of the mobile terminal 4. As shown in FIG. The prize exchange screen 602 includes a user's investment points 604 that can be used for exchange for prizes (for example, uninvested points), prize objects 606, 608, and 610 corresponding to prizes provided by the point investment service, display. Each premium object displays the name of the premium and the range of investment points that can be exchanged for the premium. In the example of FIG. 15, the exchangeable investment points that the user has are 11500pt, which falls within the range of 10000pt to 11999pt of the first prize object 606 among the three prize objects 606, 608 and 610 displayed. However, it does not fall within the range of the second prize object 608 (12000pt to 13999pt) and the third prize object 610 (14000pt to 15999pt). Therefore, the first prize object 606 is displayed as selectable, and both the second prize object 608 and the third prize object 610 are displayed as unselectable, such as grayed out or lightened. Actually, tapping on the second prize object 608 and the third prize object 610 is not accepted in the state of FIG. If the user's investment points were 12,500 points, the second prize object 608 would be selectable on the prize exchange screen 602, and both the first prize object 606 and the third prize object 610 would be selected. appears to be disabled.

When the portable terminal 4 detects a tap on any of the selectable prize objects included in the prize exchange screen 602 , the prize application screen 612 is displayed on the display 40 . FIG. 16 is a representative screen diagram of the prize application screen 612 displayed on the display 40 of the mobile terminal 4. As shown in FIG. The prize application screen 612 shows the name 614 of the prize object whose tap is detected on the prize exchange screen 602, that is, the prize object of the prize selected by the user, and the change in the investment points if the prize is exchanged. A detail display area 616 and yes/no buttons 618 are displayed. When the mobile terminal 4 detects that the yes button of the yes/no button 618 has been tapped, it generates an exchange instruction designating the prize displayed on the prize application screen 612 as the prize to be exchanged, and sends the exchange instruction to the investment server via the network 6. Send to 10.

In the above-described embodiments, examples of holding units are hard disks and semiconductor memories. In addition, based on the description of this specification, each part is implemented by a CPU (not shown), an installed application program module, a system program module, a semiconductor memory that temporarily stores the contents of data read from the hard disk, etc. Those skilled in the art who have access to this specification will understand what is possible.

FIG. 17 is a table showing the presence or absence of slippage in this embodiment.

In the point investment system 2 according to the present embodiment, in order to ensure that the user can exchange for the prize as expected at the timing of settlement, it is ensured that there is no exchange rate slippage in all of profit taking, loss cutting, and market settlement. guaranteed by the mechanism. Without this mechanism, exchange rate slippage could result in a situation where the target prize could not be exchanged for, for example, one point less than expected. In this embodiment, since there is no slippage in all payment types, the user is not disadvantaged, and the payment rate is the value expected by the user, so that an easy-to-understand UX can be realized.

On the other hand, in the present embodiment, slippage of the exchange rate at the time of new order is allowed. This is because if the slippage of the exchange rate at the time of new orders is not allowed, there is a possibility of inducing fraudulent orders such as arbitrage. However, as described above, in this embodiment, if the exchange rate fluctuates during settlement, the take-profit and stop-loss rates are automatically set so that the take-profit and stop-loss points set by the user at the time of ordering will not change. to correct. As a result, it is possible to suppress the influence on the user due to slippage of the exchange rate at the time of placing a new order.

Arbitrage is the process of looking at the rates of both trader A and trader B, who update their rates quickly and trader B who slows down. It is a fraudulent transaction such as placing an order to sell at trader B when trader A's rate has fallen and trader B's rate has not moved.

In addition, in the point investment system 2 according to the present embodiment, the range of premiums and investment points are associated with each other. Set the number of points to take profits and the number of points to cut losses. For example, if you have 4500pts and you can exchange 5000pts for a desired prize, then 500pts will be clearly remembered as the profit taking line. In the point investment system 2 according to the present embodiment, the profit-taking condition and the loss-cutting condition can be specified by the number of points. It saves you the trouble of counting backwards. Furthermore, even if the exchange rate fluctuates when placing a new order, the limit price and stop price are automatically set so as to realize the specified profit taking condition and loss cut condition, further reducing the user's calculation burden. can be done.

The configuration and operation of the point investment system 2 according to the embodiment have been described above. Those skilled in the art will understand that this embodiment is merely an example, and that various modifications are possible in combination of each component and each process, and that such modifications are within the scope of the present invention.

In the embodiment, the case of earning points and investing has been explained, but the technical idea of the present embodiment is applied not only to points but also to coupons, miles, coins, chips, etc. as far as electronic value is concerned. can do. Electronic values may be defined as those in which property values such as monetary amounts are electronically described or recorded, and which do not fall under prepaid payment instruments as stipulated by the law regarding payment of funds.

In the embodiment, the case where the value of the prize is set in steps has been described, but the present invention is not limited to this. The range of investment points for premium A and the range of investment points for premium B may at least partially overlap. FIG. 18 is a schematic diagram showing an example of the relationship between investment points and prizes according to the modification. In the example of FIG. 18, investment points can be exchanged for prizes belonging to home appliances. In this example, since the investment points have no use other than to be exchanged for prizes belonging to home appliances, the investment points correspond to the home appliance prize type. The prize is associated with a range of investment points, and can be exchanged for investment points within the range. In the example of FIG. 18, the prize "electric shaver" is associated with the investment point range "10000pt to 11999pt", and the prize "liquid crystal television" is associated with the investment point range "11000pt to 13500pt". That is, the range of investment points for the prize "electric shaver" and the range of investment points for the prize "liquid crystal television" overlap in the range of "11000pt to 11999pt". The prize “mobile phone” is associated with the investment point range “10800pt to 14100pt”. That is, the range of investment points for the prize “mobile phone” includes the range of investment points for the prize “liquid crystal television”.

In the embodiment, a case has been described in which the remaining investment points (fractions) after exchange for a gift are returned to the user. However, the present invention is not limited to this. Fractions of investment points may not be returned to the user. In this case, for example, even if 11500pt is exchanged for a prize corresponding to the range of "10000pt to 11999pt", 11500pt-10000pt=1500pt is not returned. In this system, 10,000 points, 11,000 points, 11,500 points, and 11,999 points are exchanged for the same prize and disappear, meaning that they have exactly the same value. Alternatively, if a fraction (eg, 0.5pt or 0.1pt) smaller than the minimum investment point unit (eg, 1pt) occurs in the prize exchange process, it may be rounded down.

In the embodiment, a case has been described in which investment points can be exchanged for a certain type of gift, but the present invention is not limited to this, and a plurality of investment points may be provided for each application or type of gift. FIG. 19 is a schematic diagram explaining a scheme using a plurality of investment points according to a modification. In this modification, the earned points can be irreversibly converted into three investment points: leisure investment points, home appliance investment points, and food investment points. The point investment system according to the modification is configured to independently manage leisure investment points, home appliance investment points, and food investment points. Leisure investment points can be exchanged for leisure-related prizes, home appliance investment points can be exchanged for home appliance-related prizes, and food investment points can be exchanged for food-related prizes. Points cannot be exchanged for prizes of different categories. The investment points for leisure, the investment points for home appliances, and the investment points for food are managed and exchanged for prizes by the same mechanism as in the embodiment.

In the modified example of FIG. 19, the acquired points are converted into various investment points, the various investment points are increased by investment, and the increased various investment points are exchanged for corresponding types of prizes. The relationship between earned points, investment points, and prizes is not limited to this. , you may exchange the acquired points for prizes. Alternatively, the earned points may be converted into investment points, the investment points may be increased by investment, and the increased investment points and the earned points may be added up and exchanged for gifts.

In the embodiment, a case has been described in which the goal condition (profit taking condition, loss cut condition) is set for each new order, that is, for each position via the new order acceptance screen 504 of FIG. 12, but the present invention is not limited to this. . For example, a user may invest in a plurality of currency pairs with the goal of obtaining a desired prize. In this case, a target may be set for the total value of investment points including the evaluation results of a plurality of different positions (invested currency pairs) owned by the user. FIG. 20 is a representative screen diagram of a goal setting screen 802 displayed on the display 40 of the mobile terminal 4. As shown in FIG. The target setting screen 802 has a target point input area 804 , prize objects 806 , 808 and 810 representing selectable prizes, and a setting button 812 . The user may specify the target number of investment points by inputting a numerical value in the target point input area 804, or tap one of the prize objects 806, 808, and 810 to enter the tapped prize. The lower bound of the corresponding point range may be specified as the target number of investment points. When the setting button 812 is tapped, the portable terminal 4 acquires the number of investment points specified by any of the above as the target number of points. The mobile terminal 4 causes the display 40 to display a home screen 814 including the acquired target number of points.

Note that in the example of FIG. 20, when a prize object is specified, the corresponding number of investment points is automatically entered in the target point input area 804 . The goal is therefore specified in points invested. On the other hand, in another example, the prize itself may be set as a target. When the range of investment points that can be exchanged for prizes fluctuates, if the prize itself is set as a target, it is advantageous because the profit-taking condition and the loss-cutting condition can be automatically changed according to the fluctuation.

FIG. 21 is a representative screen diagram of the home screen 814 displayed on the display 40 of the mobile terminal 4. As shown in FIG. The home screen 814 includes a goal display area 816 that displays the target point number set on the goal setting screen 802 in FIG. 20, an achievement level display bar area 818 that graphically displays the degree of achievement of the goal, and A required point number display area 820 that displays the required number of investment points, a profit taking condition setting object 822, a loss cut condition setting object 824, and a breakdown of different positions held by the user in relation to the target are displayed. and a detail display area 826 that The breakdown display area 826 includes a total evaluation point display area 830 that displays the total evaluation value (evaluation points) of different positions held by the user in relation to the target, and and the total investment points, which is the sum of the number displayed in the total evaluation point display area 830 and the number displayed in the investment ability display area 832, is displayed. a total investment point display area 828, position objects 838, 840, 842 showing each of a plurality of different positions held by the user in relation to the goal, and a pie chart 836 showing the composition ratio of each position. . Each position object 838, 840, 842 displays an image representing the position, the current evaluation value (evaluation points), the current rate, and the increase/decrease value.

When the user taps the profit-taking condition setting object 822, the mobile terminal 4 accepts it as a user instruction for setting a target for profit-taking, and displays the profit-taking condition setting dialog 844 in accordance with the received instruction. Display on the front of the screen 814 . FIG. 22 is a representative screen view of the home screen 814 with the profit fixing condition setting dialog 844 displayed. The take profit condition setting dialog 844 allows the user to specify the take profit condition, which is the condition that the total invested points must satisfy in order to take profit. The profit fixing condition setting dialog 844 has a profit fixing point input area 846 and a setting button 848 . The user enters the number of take profit points to take profit if the total invested points reaches or exceeds that value in take profit point input area 846 and taps set button 848 . The portable terminal 4 reflects the number of profit-taking points set in the profit-taking condition setting dialog 844 as a new target number of points in the target display area 816 and the achievement level display bar area 818 of the home screen 814 . The investment server 10 acquires and holds the number of profit taking points set in the profit taking condition setting dialog 844 via the network 6, and when the user's total investment points reach or exceed the number of acquired profit taking points, , at that time, all the different positions held by the user in relation to the goal.

When the user taps the loss cut condition setting object 824 on the home screen 814 of FIG. A switching condition setting dialog 850 is displayed in front of the home screen 814 . FIG. 23 is a representative screen view of the home screen 814 in which the stop-loss condition setting dialog 850 is displayed. The stop loss condition setting dialog 850 allows specification of the stop loss condition, which is the condition that the total investment points must satisfy in order to stop loss. The loss cut condition setting dialog 850 has a loss cut point input area 852 and a setting button 854 . The user enters the number of loss cut points to be cut if the total investment points reach or fall below that value in the cut loss point input area 852 and taps the set button 854 . The investment server 10 obtains and holds the number of cut-loss points set in the cut-loss condition setting dialog 850 via the network 6, and when the user's total investment points reach or fall below the number of cut-loss points obtained, , at that time, all the different positions held by the user in relation to the goal.

In the variations shown in FIGS. 20-23, each of the different positions held by the user in relation to the goal may have separate take profit and/or stop loss conditions. In that case, settlement may be made at the timing when any of the profit taking condition, the loss cutting condition, and the profit taking condition or the loss cutting condition for the total investment points is satisfied. Alternatively, it may be designed such that when profit taking conditions and loss cut conditions are set for the total investment points, the profit taking conditions and loss cut conditions for individual positions are ignored.

FIG. 24 shows another representative screen diagram (home screen 902 ) that can replace the home screen 814 displayed on the display 40 of the mobile terminal 4 . The home screen 902 includes an overall account display area 904 that displays profit-taking conditions and loss-cutting conditions for total investment points, an individual position display area 912 that displays profit-taking conditions and loss-cutting conditions for individual positions, and 920. The entire account display area 904 includes a total investment point display area 906 , a profit taking condition display area 908 and a loss cut condition display area 910 . The total investment points display area 906 displays the total valuation (valuation points) of different positions in the investment account held by the user in relation to the goal. A profit-taking condition display area 908 displays the number of points for profit-taking in total investment points of a plurality of positions. The loss cut condition display area 910 displays the number of points for loss cut in total investment points of a plurality of positions. For example, when the user taps the profit taking condition display area 908, the portable terminal 4 may display the profit taking condition setting dialog 844 shown in FIG. Further, when the user taps the stop loss condition display area 910, the portable terminal 4 may display the stop loss condition setting dialog 850 shown in FIG.

The individual position display area 912 includes an individual investment point display area 914 , a profit taking condition display area 916 , and a loss cut condition display area 918 . The individual investment point display area 914 displays the appraisal value of a specific position (US dollars in the example of FIG. 24) among a plurality of different positions held by the user in relation to the goal. The profit taking conditions display area 916 displays the profit taking conditions of the particular position. The stop-loss condition display area 918 displays the stop-loss conditions for the specific position. In addition, the individual position display area 912 may further display information representing the current rate and profit/loss of the individual position. The individual position display area 920 includes an individual investment point display area 922, a profit taking condition display area 924, and a loss cut condition display area 926. displays the same information as the individual position display area 912 for another different position (euro in the example of FIG. 24).

Upon receiving the settings shown in FIG. 24, the investment server 10 collectively settles a plurality of positions when the total value of investment points for the plurality of positions satisfies the conditions for taking profits or cutting losses. In this way, when holding a plurality of positions, the user can collectively settle the plurality of positions with the total value of the investment points (compared to the case where the plurality of positions are settled individually). You can easily take profits and cut losses.

In addition, the investment server 10 may additionally correct the points of each position when executing the process of taking profits or cutting losses. Such additional processing is effective when processing the total value of investment points (total investment points) for a plurality of positions in accordance with the conditions for taking profits and cutting losses. It is also effective when the investment server 10 does not perform settlement processing in real time, but executes it periodically. Correction of investment points for each position when the total value of investment points for a plurality of positions is set as a condition for taking profits or cutting losses will be described below.

For example, depending on the rate fluctuations of each position and the timing of settlement processing in the investment server 10, settlement processing may not be executed at the timing when the amount of total investment points matches the amount of conditions for taking profits or cutting losses. FIG. 25(a) shows fluctuations in the rate of a certain currency and the timing of settlement processing. A rate 950 indicates fluctuations in the rate of a certain currency, and in the example of FIG. 25(a), the rate once exceeds a settlement rate 952 determined from profit taking conditions and falls. The investment server 10 executes position settlement processing at timings 954, 956, and 958 indicated by dashed lines, but from the viewpoint of processing resources, for example, does not execute settlement processing for each Tick whose rate fluctuates. As in the example shown in FIG. 12, when setting profit taking or loss cutting for each individual position, the investment server 10 sets between the settlement processing timings 956 and 958 (for example, the high price and If it can be determined that the rate exceeds the target value 952 (based on the bottom price value), position settlement processing can be executed at timing 958 . At this time, if the processing target is virtual investment, the investment server 10 can execute the settlement processing at the settlement rate 952 instead of the rate at timing 958 .

When setting the total investment points as a condition for taking profits or cutting losses, the investment server 10 evaluates and totals the rates at the same timing for all positions, and compares them with the conditions for taking profits or cutting losses. At this time, at the timing of payment processing, the total investment points at the time of payment may not be the same as the target value, which is the condition for taking profits or cutting losses, and may exceed the target value. In this case, in the present embodiment, the investment server 10 corrects the investment points for each position so that the settled total investment points match the set value for taking profits or cutting losses.

FIG. 25(b) shows changes in total investment points and the timing of payment processing. A total value 960 indicates the change in total invested points, and a target value 962 indicates the take profit setting for multiple positions. A dashed line indicates the timing of settlement processing by the investment server 10 . In this example, between settlement processing timings 964 and 966, the total investment points exceed the profit taking target value 962, and the investment server 10 executes settlement processing for each of the plurality of positions at settlement processing timing 966. do. In other words, the investment server 10 settles each of the plurality of positions with the number of points exceeding the set value for taking profits at timing 966 of settlement processing. In the example shown in FIG. 25(b), the payment processing interval (for example, timings 966 to 968) is shortened compared to the payment processing interval (for example, timings 956 to 958) shown in FIG. 25(a). This shows an example in which settlement can be made while the divergence between the total investment points and the target value is small. However, the interval between settlement processes using total investment points may be the same as the interval between settlement processes for individual positions shown in FIG. 25(a).

Next, with reference to FIGS. 26 to 31, a specific example of processing for correcting the investment points for each position by the investment server 10 will be described. State 970 in FIG. 26 shows a state in which each of a plurality of positions (for example, buying US dollars, euros, and British pounds) is held for 500,000 pts, and the total investment points in the investment account is 1,500,000 pts. . The example shown in FIG. 26 shows a case where the rate of each of a plurality of positions rises and exceeds the target value for taking profit. When time elapses from state 970 , each rate fluctuates and state 972 is reached. In state 972, the investment points of multiple positions are 669705pt, 695173pt, and 635020pt, respectively, and the total investment points is approaching the profit-taking target of 2,000,000pt. Each rate further fluctuates, and when state 974 is reached, the investment points of multiple positions are 670,198 pt, 695,589 pt, and 633,760 pt, respectively, and the total investment points exceed the profit-taking target of 2,000,000 pt. Therefore, the device server 10 executes settlement processing in state 974 .

FIG. 27 shows an example of correction processing for total investment points settled in state 974 . The investment server 10 settles each of the plurality of positions because the total investment points have exceeded the set value (upper limit target) of 2,000,000 pt for taking profit. At this time, the investment server 10 identifies the difference between the total value of the evaluation values of the settled investment points and the set value for taking profit. In the example of FIG. 26 , the investment server 10 settles when the total investment points are 2,001,163pt, and therefore identifies the difference between the settled investment points as 1163pt. Next, the investment server 10 corrects the investment points of each position. The investment server 10 may, for example, calculate the correction value of the investment points of each position according to the ratio of the investment points of each position to the total investment points. Specifically, the investment server 10 calculates a correction point for the US dollar position according to the ratio of the US dollar position to the total investment points (33.490%). For example, the investment server 10 calculates the correction point for the US dollar position as the difference between the settled investment points (1163pt)×0.3349=390pt. Similarly, the investment server 10 calculates the correction point for the British pound position as 370pt.

At this time, the investment server 10 may specify in advance the position with the highest ratio of investment points to the total investment points. In this way, the correction value of the euro, which is the position with the highest ratio of investment points to the total investment points (34.759%), is calculated from the difference (1163pt) of the investment points that have been settled, and the correction value of the other positions (the sum of the US dollar position correction value of 390pt and the GBP position correction value of 370pt). In this way, the sum of the correction values for each position and the difference between the settled investment points can always be matched.

In this way, the investment server 10 can match the total investment points with the profit-taking target value by correcting the investment points for each position. In the above-described embodiment, the correction value for each position is calculated according to the ratio of the investment points for each position to the total investment points, but calculation of the correction value is not limited to this example. The correction values may be calculated so that the correction values for all positions are approximately the same. Alternatively, when the user specifies a correction value for the position via the mobile terminal 4, the specified correction value may be used to correct the investment points.

Next, with reference to FIG. 28, an example will be described in which the rate of some positions among a plurality of positions falls, but the rate of other positions rises and exceeds the profit taking target value. . Note that the initial state 980 of FIG. 28 is a state in which each of a plurality of positions (for example, buying US dollars, euros, and British pounds) is held for 500,000 pts, and the total investment points in the investment account is 1,500,000 pts. is. When time elapses from state 980 , each rate fluctuates and state 982 is reached. When the state 982 is reached, the investment points of a plurality of positions are 800493pt, 778818pt, and 421625pt, respectively, and the total investment point exceeds the set value of 2,000,000pt for taking profits. Therefore, in state 982, the device server 10 executes settlement processing for each position.

FIG. 29 shows an example of correction processing for total investment points settled in state 982 . The investment server 10 settles each of the plurality of positions because the total investment points exceeds 2,000,000 pt, which is the set value (upper limit target) for taking profit. At this time, the investment server 10 identifies the difference between the total value of the evaluation values of the settled investment points and the target value of the total investment points. In the example of FIG. 29, the investment server 10 makes a payment when the total investment points are 2,000,937pt, and therefore identifies the difference between the settled investment points as 937pt. Next, the investment server 10 corrects the investment points of each position. The investment server 10 calculates the correction value for each position according to the ratio of the investment points for each position to the total investment points. As described above with reference to FIG. 27, the investment server 10 multiplies the difference between the settled investment points (937pt) by the ratio of the investment points for each position to calculate the correction value for each position. The investment server 10 calculates the correction values for the Euro and GBP positions as 365pt and 198pt, respectively. Then, the correction value of the USD position, which has the highest ratio of investment positions to the total investment points, is calculated by subtracting the sum of the correction values of other positions (sum of 365pt and 198pt) from the difference in investment points settled (937pt). do. In this way, the investment server 10 can match the total investment points with the profit-taking target value by correcting the investment points for each position.

Further, with reference to FIG. 30, an example will be described in which the investment server 10 corrects the investment points for each position when the total investment points are below the set value for loss cut. Note that the first state 990 in FIG. 30 is a state in which 500,000 pt worth of each of a plurality of positions (for example, buying US dollars, euros, and British pounds) is held, as described above. When time elapses from state 990 , each rate fluctuates and state 992 is reached. When the state 992 is reached, the investment points of the multiple positions are 253695pt, 221182pt, and 523156pt, respectively, and the total investment point is below the loss cut set value of 1,000,000pt. Therefore, in state 992, the device server 10 executes settlement processing for each position.

FIG. 31 shows an example of correction processing for the total investment points settled in state 990 . The investment server 10 settles each of the plurality of positions because the total investment points are below the loss cut setting value (lower limit target) of 1,000,000 pt. At this time, the investment server 10 identifies the difference between the total value of the evaluation values of the settled investment points and the set value of the total investment points. In the example of FIG. 31, the investment server 10 settles when the total investment points are 998,034pt, and therefore identifies the difference between the settled investment points as 1966pt. Next, the investment server 10 corrects the investment points of each position. The investment server 10 calculates the correction value for each position according to the ratio of the investment points for each position to the total investment points. As described above with reference to FIG. 27, the investment server 10 calculates the correction value for each position by multiplying the difference (1966pt) between the settled investment points by the ratio of the investment points for each position. The investment server 10 calculates the correction values for the US dollar and euro positions as 499pt and 436pt, respectively. Then, subtract the sum of the correction values of the other positions (the sum of 499pt and 436pt) from the difference between the settlement investment points (1966pt) and the correction value of the GBP position, which has the highest ratio of investment positions to the total investment points calculate. After that, the investment server 10 corrects the investment points for each position (in this case, adds the correction value to the investment points), thereby matching the total investment points with the set value of the loss cut.

When the investment point of each position is corrected using the correction value, the investment server 10 may display the correction value together with the trading result when displaying the trading result of each position on the mobile terminal 4 . For example, the investment server 10 may transmit the information of the transaction result screen 1000 shown in FIG. The transaction result screen 1000 includes a settlement date and time area 1002 that displays the settlement date and time, a position area 1004 that displays the settled positions, a settlement investment point area 1006 that displays the settled investment points, and a correction value of the investment points. It includes a correction value area 1007 for displaying information, an order detail area 1008 for displaying investment points at the time of ordering, an order date/time area 1010 for displaying the date and time of the order, and a magnification area 1012 for indicating the magnification of the position. In the transaction result screen 1000, the transaction results of other positions settled at the same time are similarly set to the settlement date and time area, the position area 1014, the settlement investment point area 1016, the correction value area 1018, and the order details area 1020. , an order date/time area 1022 and a magnification area 1024 can be displayed.

Next, the operation of executing settlement processing based on the total investment points in the investment server 10 will be described with reference to FIG. Note that the operation shown in FIG. 33 is started in a state where each of the multiple positions has already been contracted. Also, in the following description, each process of the investment server 10 is implemented by the processor 104 of the investment server 10 executing a program. The description of this process is based on a situation in which the investment server 10 sends a dialog for setting a target total value of investment points for multiple positions to the mobile terminal 4, and then the user sets a target total value on the mobile terminal 4. is started from Note that the investment server 10 transmits a dialog for setting (changing) the target of the total value to the mobile terminal 4 in response to receiving an instruction to invest in a new brand from (the mobile terminal 4 of the user). good. Alternatively, when the investment server 10 receives a request from the user (the mobile terminal 4 of the user) to convert the acquired points into investment points, the investment server 10 transmits a dialog for setting (changing) the target of the total value to the mobile terminal 4. You can At this time, when the number of investment points after conversion exceeds a preset target, the investment server 10 transmits a dialog for setting (changing) the target of the total value to the portable terminal 4. good too. Further, when the user sets investment instructions for a plurality of stocks, the investment server 10 may send to the portable terminal 4 a dialog that allows the user to set a target for the total value together with the investment instructions. Of course, the investment server 10 transmits a dialogue for setting the target total value to the mobile terminal 4 in response to the user's request to set the target total value on the mobile terminal 4 at an arbitrary timing. may

The investment server 10 receives a set value for taking profits and a set value for cutting losses, which are targets for the total value of investment points for a plurality of positions (S1100). For example, the investment server 10 receives from the mobile terminal 4 set values for taking profits and cutting losses that are set in the dialogs of the mobile terminal 4 shown in FIGS. 22 and 23 . In the example shown in FIG. 33, the case of accepting both set values for taking profits and cutting losses is described as an example, but only one of them may be accepted.

The investment server 10 acquires the rates of a plurality of issues from the distribution server 8 (S1102). The investment server 10 may acquire rates of multiple issues from multiple different delivery servers 8 . When the investment server 10 acquires the rate of each issue from the information distribution server 8 at each settlement processing timing of the investment server 10, the information of a plurality of ticks included in the settlement processing interval (the timing at which the rate changes) shorter interval rate information) may also be obtained. The investment server 10 can track and evaluate the price movement of each rate during the settlement processing interval by acquiring the information of a plurality of ticks.

The investment server 10 calculates the total value of investment points (total investment points) for the multiple positions based on the rates of the multiple issues (S1104). For example, the investment server 10 calculates the total value of investment points for multiple positions according to the examples described above with reference to FIGS. At this time, the investment server 10 may calculate the total investment points of a plurality of positions while going back a plurality of ticks one by one. In this way, it is possible to evaluate the case where the total investment points of a plurality of positions exceeds the profit taking set value during the settlement processing interval.

The investment server 10 determines whether the total investment points have reached or exceeded the set value for taking profit (S1106). If the investment server 10 determines that the total investment points have reached or exceeded the set value for taking profit, the process proceeds to S1110 to settle each of the plurality of positions, otherwise the process proceeds to S1108. .

The investment server 10 determines whether the total investment points have reached or fallen below the set value for loss cut (S1108). If the investment server 10 determines that the total investment points have reached or fallen below the cut-loss setting value, the investment server 10 advances the process to S1110 to settle each of the plurality of positions, and otherwise evaluates the rate again. Therefore, the process advances to S1102. In the operation shown in FIG. 33, the case where the profit taking determination in S1106 and the loss cut determination in S1108 are sequentially processed is described as an example, but these determination processes are executed as parallel processing. good too.

The investment server 10 settles each of the plurality of positions at the rate at the timing of settlement processing (S1110). The investment server 10 calculates the correction value for each position according to the processing described above with reference to FIGS. 27, 29, and 31 (S1112). When the investment server 10 completes the settlement process for each of the multiple positions, it generates the transaction result information shown in FIG. 32 (S1114). In this way, by evaluating whether the total value of investment points of a plurality of positions exceeds the set value for taking profits or cutting losses, settlement of diversified investments in a plurality of issues can be facilitated. The above-described embodiment in which the investment points of a plurality of positions are collectively processed by the total value can be applied to the above-described case where the investment points can be exchanged for a prize whose value changes stepwise. It can also be applied to the case where the shape does not change. Regardless of the application, according to the present embodiment, settlement of diversified investments in multiple issues can be facilitated.

In the above-described embodiment, the difference between the rate at the time of settlement processing and the target value of total investment points (set value for taking profit or cutting loss) is adjusted by correcting the number of points. However, the investment server 10 acquires rate fluctuation information for each position in real time and traces the rate fluctuations, thereby identifying the timing when the total investment points match the set value for taking profits or cutting losses. In some cases, the total investment points may be adjusted by correcting each rate so that each position is settled at the rate at that timing.

Further, in the above-described embodiment, the settlement process is executed when the total investment points exceeds the set value for taking profits or cutting losses. The settlement process may be executed when the total decrease of each position falls below a set value.

Furthermore, in the above-described embodiment, the case where the investment target is a plurality of issues in foreign exchange margin trading has been described as an example, but the investment target is not limited to the issue in foreign exchange margin trading. For example, the above-described embodiments can also be used when setting multiple positions for multiple issues in stock trading, multiple issues in futures trading, multiple issues in bond trading, or multiple issues in virtual currency trading. Applicable. In addition, a plurality of positions may be composed of positions for issues of different types of financial products, such as an issue in foreign exchange margin trading and an issue in stock trading.

When combining issues of different types of financial products, the time zones in which the financial products can be traded may differ. For example, when the investment server 10 processes a position for a foreign exchange margin trading brand and a position for another financial product, the market for the other financial product is closed and the rate for the investment target brand fluctuates. may not. In such a case, in S1102, the investment server 10 uses the closing price of the investment target issue to evaluate the total value of the investment points, and if it exceeds a set value such as profit taking, executes settlement processing. may In this way, the investment server 10 can immediately perform settlement processing (without waiting for the market to resume) when the total investment points exceed a set value such as profit taking. Note that when the investment server 10 performs virtual trading, even if the market for other financial products opens and the rate drops from the closing price, unlike the case of buying and selling actual financial products, the point investment service is not available. The provider can treat losses due to fluctuating rates as hypothetical losses.

In addition, when the trading hours for financial instruments are different, the investment server 10 obtains in advance the time period during which the rate of the investment target fluctuates, may provide payment processing based on total investment points.

In the above-described embodiment, the case where the investment server 10 executes a virtual investment has been described. good. At this time, the investment points of each position described above may be read as the evaluation value of the brand of each financial product. Also, a provider of investment services using the investment server 10 may be, for example, a business operator that provides services by a DD (Dealing Desk) method that conducts bilateral transactions with investors. When the investment server 10 of the provider of this investment service receives a purchase order for a financial product via the mobile terminal 4, for example, after conducting a negotiated transaction, the investment server 10 can trade the financial product with a financial institution. Buy and sell financial instruments related to orders between When performing settlement processing for each position, the investment server 10 trades financial products held with the financial institution.

Thus, in the embodiments shown in FIGS. 20 to 33, both the profit-taking condition and the loss-cutting condition are designated by the total number of points. As a result, the user can directly compare the number of points to be set as the target and the number of points required for the desired prize, which is easy to understand, and thus the user's convenience in setting the target is improved.

In the embodiment, a case has been described in which various parameters related to a new order are received from the user on the new order acceptance screen 504 of FIG. 12, but the present invention is not limited to this. You may allow it to be specified. FIG. 34 is a representative screen diagram of the graphical new order acceptance screen 856 displayed on the display 40 of the mobile terminal 4. As shown in FIG. For example, an object serving as a flow line to the graphical new order acceptance screen 856 may be provided on the new order acceptance screen 504 of FIG. 12, and when the object is tapped, the graphical new order acceptance screen 856 may be displayed. The graphical new order acceptance screen 856 includes a chart 872 showing the price movement of the selected currency pair, an investment rate input area 858 for accepting input of the investment rate, and an increase number for accepting input of the increase in investment points related to profit taking conditions. An input area 860, a decrease number input area 862 for receiving input of the decrease number of investment points related to a loss cut condition, a profit taking condition change object 864, a loss cut condition change object 866, a profit taking line 868, and a loss cut It has a line 870 , a take profit rate 874 and a stop loss rate 876 . The chart 872 may be composed of daily, minute, second, tick, weekly, monthly, yearly, and the like.

The user inputs or selects the desired investment rate in the investment rate input area 858 while referring to the chart 872, inputs the desired increase point number in the increase number input area 860, and inputs the decrease point number related to the loss cut. Enter each in area 862 . The number of investment points to be invested (designated in the number of points input area 568 in FIG. 12), the rate input in the investment rate input area 858, and the number of increased points input in the increased number input area 860 are used to determine profit taking. A rate is calculated and a Take Profit Rate 874 and Take Profit Line 868 corresponding to the calculated rate are displayed. The number of investment points to be invested (designated in the number of points input area 568 in FIG. 12), the rate input in the investment rate input area 858, and the number of decrease points input in the decrease number input area 862 are used to determine the loss cut. A rate is calculated and a stop loss rate 876 and a stop loss line 870 corresponding to the calculated rate are displayed.

If the user wishes to change the take profit rate when setting parameters for a new order, the user drags the change take profit terms object 864 up or down the desired distance. The portable terminal 4 recalculates the number of points to be increased when profit is taken at the rate corresponding to the position of the profit taking condition change object 864 after such movement, and displays the number of points to be increased input area 860 based on the calculation result. Update.

If the user wishes to change the stop-loss rate when setting parameters for a new order, the user drags the stop-loss condition change object 866 to move it up or down by the desired distance. The mobile terminal 4 recalculates the number of reduction points in the case of loss cut at the rate corresponding to the position of the stop loss condition change object 866 after being moved, and displays the reduction number input area 862 with the calculation result. Update.

FIG. 35 is a representative screen view showing the graphical new order acceptance screen 856 after the stop loss condition change object 866 has been dragged upward by a predetermined distance. The number of reduction points is recalculated according to the change in the loss cut rate, and the recalculation result is reflected in the reduction number input area 862 . Specifically, as a result of moving the loss cut rate upward from the state of FIG. 24, the number of reduction points at the time of loss cut is updated from "-3000" to "-1000".

If the user wishes to change the investment multiple when setting the parameters for the new order, the user inputs or selects the desired multiple in the investment multiple input area 858 . The mobile terminal 4 recalculates the profit taking rate from the changed rate, the number of investment points to be invested, and the number of increase points input in the increase number input area 860, and uses the recalculated rate. Update the display of Take Profit Rate 874 and Take Profit Line 868 . The portable terminal 4 recalculates the loss cut rate from the changed rate, the number of investment points to be invested, and the number of reduction points input in the reduction number input area 862, and uses the recalculated rate. Update the display of stop loss rate 876 and stop loss line 870 .

FIG. 36 is a representative screen diagram showing the graphical new order acceptance screen 856 after changing the magnification. The take profit rate and the cut loss rate are recalculated according to the change of the magnification, and the display of the take profit line 868, the take profit rate 874, the cut loss line 870, and the cut loss rate 876 is updated according to the recalculation results. Specifically, as a result of changing the magnification from 'x10' to 'x20' in FIG. Compared to the state shown in FIG. 36, the gap between the profit taking line 868 and the loss cut line 870 is narrower.

The investment of points in each currency is chronologically: the timing to invest in the first currency (e.g. US dollar), the timing to invest in the second currency (e.g. euro), the third currency (e.g. British pound) ) are accepted at different timings, and then the total target number of points is set. The configuration may be such that the number of points is set. In that case, the number of points to be invested may be set for each currency, or the total number of points to be invested may be set, the ratio of the amount to be invested may be specified for each currency, and the total target may be set. The configuration may be such that the number of points is set. In order to improve convenience, it is desirable to display a graph such as a pie chart or a bar graph to specify the ratio so that the ratio for each currency can be graphically adjusted.

The invention is not limited to the above embodiments, and various modifications and changes are possible within the scope of the invention.

2 point investment system 4 portable terminal 6 network 8 information distribution server 10 investment server

Claims (11)

means for managing real or virtual investments in commodities as positions;
Means for receiving settings related to conditions to be satisfied by the sum or increase/decrease of the evaluation values of different positions owned by the user for setting investment goals;
and means for settling the plurality of different positions at the time when the condition to be satisfied by the total or increase/decrease of the valuation prices of the plurality of positions is satisfied. 2. The information processing apparatus according to claim 1, wherein said plurality of different positions include positions for financial products of different types. 3. The information processing apparatus according to claim 1, wherein said investment is a virtual investment using electronic value in financial products. 4. The method according to any one of claims 1 to 3, further comprising means for correcting the sum or increase/decrease of the valuation amounts of said different positions that have been settled so as to match the set value related to said conditions. The information processing device according to . The means for correcting corrects the valuation amount of each of the plurality of different settled positions so that the sum or increase/decrease of the valuation amount of the plurality of different settled positions matches the set value according to the condition. 5. The information processing apparatus according to claim 4, wherein: The settings related to the conditions to be satisfied by the sum or increase/decrease of the valuation values of the plurality of positions include a first set value for taking profit on the plurality of positions and a second set value for cutting losses on the plurality of positions. including at least one of the set value of
The first set value corresponds to the lower limit value when the value of the first prize is set within a predetermined range, and the second set value corresponds to the value of the second prize within the predetermined range. 6. The information processing apparatus according to any one of claims 1 to 5, which corresponds to a lower limit value when the value is set lower than that of the first prize. 7. The setting according to any one of claims 1 to 6, characterized in that the setting related to the condition to be satisfied by the sum or increase/decrease of the evaluation values of the plurality of positions corresponds to the value of the prize set by the user. information processing equipment. 8. The method according to claim 7, wherein the means for receiving the setting related to the condition receives the setting related to the condition corresponding to the value of the free gift by receiving the designation of the free gift set by the user. Information processing equipment. 9. The means according to any one of claims 1 to 8, characterized in that said means for accepting settings relating to said conditions further accepts settings relating to conditions to be met by the valuation price of each position among said plurality of positions. The information processing device according to . The method further comprises means for closing the position satisfying the condition at the time when the condition that the valuation price of the position should satisfy for any one of the plurality of positions is satisfied. 10. The information processing apparatus according to claim 9. An information processing method executed by an information processing device that manages an actual or virtual investment in a product as a position,
Receiving settings related to conditions to be satisfied by the total or increase/decrease of valuation amounts of different positions owned by the user for setting investment targets;
and closing the plurality of different positions at the time when the condition to be satisfied by the total or increase/decrease of the valuation values of the plurality of positions is satisfied.

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