JP4959273B2 - Scheduled sale system for financial products - Google Patents

Description

  BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for regularly selling financial products, and more particularly, to a system that can automatically sell stocks and investment trusts held by customers at a preset timing and can periodically pay dividends to customers.

Conventionally, there has been a financial service that regularly purchases specific stocks and investment trusts and systematically supports customer asset formation.
For example, as shown in Non-Patent Document 1, by using the stock ownership service, employees of the company automatically purchase a certain amount of stock from the monthly salary, and know the number of shares without knowing it. You can increase it.
In addition, in the case of the investment trust shown in Non-Patent Document 2, it is designed to allow automatic continuous investment in units of “10,000 yen or more and 1 yen”.
By using such a service, the customer is freed from the annoyance of buying more financial products of specific brands consciously on their own. In addition, in the case of financial products, the unit that can be purchased (number of units and number of shares) is usually decided, but it is also very attractive that the purchase amount can be specified on a monetary basis.
For this reason, these fixed-term fixed-price purchase services are used as a means of forming funds for living after retirement, and for forming educational funds for children.
Nomura Securities / Stock Ownership Structure [Search September 18, 2006] Internet URL: http://www.nomura.co.jp/wholesale/mochikabu/scheme/index.html Nomura Asset Management / Price / Value Open [Search September 18, 2006] Internet URL: http://www.nomura-am.co.jp/cgi-bin/fundoutline_gen.cgi?14021300/

However, in conventional financial services, there was no mechanism for selling and cashing assets that had been accumulated at a fixed time on a fixed time basis. Therefore, the customer's convenience was incomplete.
For example, in the case of a shareholding association, you will be forced to withdraw at the time of retirement, and the shares held by customers will be transferred to the general account, but in order to convert this, it is necessary to sell yourself in the market for each unit share Occurs. Also in the case of investment trusts, customers had to take their own sale procedures and cash them in units of a specified number or amount.

  The present invention has been devised to solve the above problem, and realizes a system having a mechanism for automatically selling and cashing financial products held by customers regularly and with preset contents. The purpose is to do.

To achieve the above object, scheduled sale system of financial instruments according to claim 1, a mutual fund stocks are subject to scheduled sale customer-specified, the sale unit, sale amount, scheduled sale start date, A storage means for storing scheduled receipt contract data including a sales cycle, a means for transferring a stock subject to scheduled sale held by a customer to a predetermined storage means in the name of joint sale, and an account information storage means for the customer, A means of recording equity information related to the issue and periodically refer to each scheduled receipt contract data, extract contract data to be sold, generate sales order data from the joint sale name , and execute investment trust commitments and selling processing means for transmitting to the computer in charge of processing, when the contract data from the computer is sent, or share of the stock in the account information storage means of the customer With subtracts the completion of the sale amount, a financial instrument scheduled sale system with a means for adding the sale amount to cash, and means for subtracting a completed sale amount from the balance of the stock according to the co-sale name When the sales unit in the above-mentioned scheduled receipt contract data is set in monetary amount, the sale processing means aggregates the sale amount for each customer for each issue, as well as the reference price information and the number of units available for sale Based on the information, the minimum number of units required to exceed the aggregated amount is calculated, and sales order data from the joint sale name corresponding to the number of units is generated .

In the scheduled sale system described in claim 1, since the scheduled sale is automatically executed by setting the customer sale conditions in the scheduled receipt contract data in advance, the customer can acquire his own financial assets. It can be received easily and in a planned manner.
In addition, when the unit of sale of the investment trust is designated by the amount rather than the number of units, there is an advantage that the sale of more than the necessary amount is surely ensured even if the base price of the stock changes.

  FIG. 1 is a block diagram showing a functional configuration of a periodic sale system 10 for financial products according to the present invention. A scheduled receipt contract processing unit 12, a scheduled sale processing unit 14, a transaction recording unit 18, a customer attribute DB 20, A brand attribute DB 22, a scheduled receipt contract DB 24, a joint sale name DB 26, a customer account DB 28, a price information DB 29, and a transaction history DB 30 are provided.

The above-described scheduled receipt contract processing unit 12, scheduled sale processing unit 14, and transaction recording unit 18 are realized by the CPU of the computer executing necessary processing according to the OS and a dedicated application program.
The customer attribute DB 20, brand attribute DB 22, scheduled receipt contract DB 24, joint sale name DB 26, customer account DB 28, price information DB 29, and transaction history DB 30 are stored in the hard disk of the computer. In the brand attribute DB 22, information on the number of units available for sale of investment trusts and information on the number of shares constituting one unit of stock are stored as attribute information of each brand. The price information DB 29 stores the latest price information of investment trusts and stocks as needed.

Next, a process for preparing use of the system 10 will be described.
A customer who wishes to use the system 10 first fills in the scheduled receipt contract application form 32 and brings it to the store window.
Here, the application form 32 for investment trust includes, for example, name, department code, account number, sale code, sale unit (unit / amount), sale volume, sale category (cancellation / purchase), receipt start date There are columns for entering the date, receipt cycle (monthly, annual, half year).
In addition, the application form for stock 32 includes name, department code, account number, sale code, sale unit (number of shares / amount), sale volume, receipt date, receipt cycle (monthly, annual, half year) Etc. are provided.

When the staff in charge of the window receives the application form 32 from the customer, an entry is input to the system 10 via the terminal device 34.
Hereinafter, the processing procedure in the system 10 will be described with reference to the flowchart of FIG. First, when the scheduled receipt contract application data is received from the terminal device 34 (S10), the scheduled receipt contract processing unit 12 refers to the customer attribute DB 20 and confirms the presence of the customer (S12). Next, the scheduled receipt contract processing unit 12 refers to the brand attribute DB 22, confirms whether or not the brand selected by the customer is registered as a brand that can be received on a regular basis (S14), and refers to the customer account DB 28, It is confirmed that the customer holds the corresponding brand (S16).

If both are OK, the scheduled receipt contract processing unit 12 generates scheduled receipt contract data and stores it in the scheduled receipt contract DB 24 (S18). FIG. 3 shows data items set in the scheduled receipt contract data.
If the issue subject to sale is a stock, the scheduled receipt contract processing unit 12 transfers the issue in the name of the customer to the joint sale name DB 26 (S20).
Thereafter, the stock brand owned by the customer is legally the name of the financial company that is the operator of the system 10, and its share is recorded in the customer account DB 28 (S22).

Next, according to the flowchart of FIG. 4, a processing procedure related to the scheduled sale of the system 10 will be described.
First, the scheduled sale processing unit 14 checks the scheduled receipt contract DB 24 at a date determined every month (S30), and extracts the scheduled receipt contract data that needs to be sold in the current month (S32).
Next, the scheduled sale processing unit 14 refers to the customer account DB 28 and confirms that the customer holds the brand to be sold or its interest (S34).
If it is OK, the scheduled sale processing unit 14 generates scheduled sale order data (S36), and transmits it to the host computer 40 that is responsible for the execution of the corresponding issue (S38).

  At this time, the issue target of a customer is “A Fund”, the sale unit is “Amount”, the sale amount is “80,000 yen”, the current base price is “20,000 yen”, the number of available units Is “5 units”, the scheduled sale processing unit 14 requests the host computer 40 to sell 5 units, which is the minimum number necessary to exceed the sale amount.

When the stock to be sold is a stock, the scheduled sale processing unit 14 aggregates the sales orders of all customers related to the target stock and transmits order data that is an integral multiple of the number of unit stock to the host computer 40.
For example, if a customer's stock to be sold is "Company B's stock", the unit sold is "Amount", the amount sold is "10,000 yen", today's close price is "10,000 yen per share", and the unit number of shares is If it is “10 shares”, the scheduled sale processing unit 14 aggregates 10 similar sell orders related to other customers, and requests the host computer 40 to sell 10 shares related to the joint sale name.
Even when there are only nine similar sell orders and the number of shares is less than one unit, the scheduled sale processing unit 14 requests the host computer 40 to sell 10 shares related to the joint sale name and realizes the scheduled sale. Plan.

When a teleconfirmed message is returned from the host computer 40 (S40), the scheduled sale processing unit 14 generates corresponding sale result data (S42) and outputs it to the transaction recording unit 18.
Receiving this, the transaction recording unit 18 stores the sale result data in the transaction history DB 30 (S44), and executes necessary update processing on the customer account DB 28 and the joint sale name DB 26 (S46, S48). More specifically, the sale amount is subtracted from the customer holding quantity or customer interest in the customer account DB 28, and the amount obtained by subtracting the fee from the sale amount is added to the cash balance. Further, when the sold brand is a stock, the quantity of the corresponding brand held in the joint sale name DB 26 is subtracted by the sales amount.

  In the above, the method of transferring the brand name in the name of the customer to the joint sale name only when the stock to be sold on the scheduled basis is a stock, and summing up the same-type sales data of all customers at the time of the scheduled sale is exemplified, but the present invention is limited to this However, the same method can be applied when the issue subject to regular sale is an investment trust.

It is a block diagram which shows the function structure of the fixed sale system of the financial product which concerns on this invention. It is a flowchart which shows the process sequence which concerns on a regular receipt contract. It is explanatory drawing which shows the data item example of regular receipt contract data. It is a flowchart which shows the process sequence which concerns on fixed sale.

Explanation of symbols

10 Scheduled sale system
12 Scheduled receipt contract processing department
14 Regular sale processing department
18 Transaction Recording Department
20 Customer attribute DB
22 Stock attribute DB
24 Scheduled receipt contract DB
26 Joint sales name DB
28 Customer Account DB
29 Price Information DB
30 Transaction history DB
32 Scheduled Receipt Contract Application Form
34 Terminal equipment
40 Host computer

Claims (1)

And the investment trust of the brand that is the subject of the annual sale of customer-specified, and the sale of the unit, the sale amount, the annual sale start date, storage means for storing a scheduled receive contract data, including the sale period,
A means for transferring a stock to be sold on a regular basis to a predetermined storage means in the name of joint sale;
Means for recording equity information related to the issue in the customer account information storage means;
Sale processing means that periodically references each scheduled receipt contract data, extracts contract data to be sold, generates sale order data from the joint sale name, and sends it to the computer in charge of the investment trust execution process When,
Means for subtracting the sale completion from the interest in the stock in the customer's account information storage means and adding the sale amount to the cash balance when execution data is transmitted from the computer;
Means for subtracting the sale completion from the balance of the issue related to the joint sale name;
A periodic sale system for financial products with
When the sales unit in the above-mentioned scheduled receipt contract data is set in monetary amount, the sale processing means aggregates the sale amount for each customer for each issue, and the reference price information and available sale unit information for that issue Based on the above, a system for regularly selling financial products, which calculates the minimum number of units necessary to exceed the aggregated amount and generates sales order data from the joint sale name for the number of units .

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