JP5918806B2 - Financial information processing apparatus, financial information processing method, and program - Google Patents

Description

  The present invention relates to a financial information processing apparatus and the like for performing settlement processing of financial products.

  Conventionally, there has been a profit and loss fixed type ordering system that places an order when the profit and loss amount exceeds a certain amount (for example, see Patent Document 1).

  This system sets the valuation profit / loss and investment profit / loss ratio in the condition table as the ordering conditions for the order, and uses the items set in the order list table and the latest exchange rate and stock price evaluation unit price calculation The means calculated foreign exchange valuation gain / loss and stock valuation profit / loss, the interest rate / position calculation means calculated swap valuation profit / loss, interest, the valuation profit / loss calculation means calculated valuation profit / loss, and the investment profit / loss ratio, and the condition matching means was calculated. It is a profit / loss definite ordering system having an order processing server for determining whether or not the valuation profit / loss matches the condition, and if the condition is met, the ordering means places a settlement order.

JP 2009-199263 A

  However, in the conventional system, when the value of the financial product greatly fluctuates, the user may not be able to continue the transaction (for example, loss cut). Therefore, an object of the present invention is to provide a financial information processing apparatus that allows a user to continue a transaction for a longer time by dynamically setting a position in accordance with a change in the value of a financial product.

  The financial information processing apparatus according to the first aspect of the present invention includes a settlement information storage unit capable of storing settlement information having one or more position information, which is information related to positions of financial products whose values may fluctuate, and the current state of the financial products. A present value information acquisition unit that acquires present value information that is information on the value of the customer, a settlement determination unit that determines whether or not the value indicated by the present value information satisfies a predetermined settlement condition, and present value information When the payment determination unit determines that the indicated value satisfies the payment condition, a payment unit that performs a payment process, which is a process for payment of the financial product, and a predetermined generation of the value of the financial product indicated by the present value information If the condition is satisfied, the financial information processing apparatus includes a position information generation unit that generates one or more pieces of position information.

  With this configuration, a position can be set dynamically according to changes in the value of the financial product.

  Further, in the financial information processing apparatus of the second invention, in contrast to the first invention, when the position information generation unit is low enough to satisfy a predetermined generation condition, the value of the financial product indicated by the present value information is Among the position information included in the settlement information, one or more position information having a lower value than the lowest value position information is generated, or the value of the financial product indicated by the present value information is high enough to satisfy a predetermined generation condition. In this case, the financial information processing apparatus generates one or more pieces of position information having a higher value than the position information having the highest value among the position information included in the payment information.

  With this configuration, a position can be set dynamically according to changes in the value of the financial product.

  The financial information processing apparatus according to the third aspect of the present invention is different from the first or second aspect in that it accepts financial transaction information, which is information related to transactions of financial products, and responds to changes in the value of financial products. In addition, a position calculation unit that calculates two or more positions of the financial product using the financial transaction information received by the reception unit, and payment information that includes two or more position information that is information related to the two or more positions is stored in the payment information. A financial information processing apparatus further comprising an accumulation unit that accumulates in the unit.

  With this configuration, the position can be automatically set.

  The financial information processing apparatus according to the fourth aspect of the present invention is different from the third aspect in that the financial transaction information includes a volatility reference period, and the position calculation unit calculates the maximum fluctuation PIPS using the volatility reference period. The financial information processing apparatus calculates two or more positions using the maximum fluctuation PIPS.

  With this configuration, positions can be automatically set and complicated settlement processing of financial products can be easily performed.

  The financial information processing apparatus according to the fifth aspect of the invention has a fixed number of positions regardless of fluctuations in the value of the financial product as compared with any of the first through fourth aspects.

  With this configuration, the position can be automatically set appropriately.

  The financial information processing apparatus according to the sixth aspect of the invention is a financial information processing apparatus in which the financial product is FX with respect to any one of the first to fifth aspects.

  With this configuration, the FX position can be set dynamically.

  Further, the financial information processing apparatus of the seventh invention is different from the sixth invention in that the financial transaction information includes currency pairs, target asset information that is information indicating the target asset, and financial unit information. It is a processing device.

  With this configuration, the FX position can be set dynamically.

  According to the financial information processing apparatus according to the present invention, the user can continue the transaction for a longer time by dynamically setting the position according to the change in the value of the financial product.

Conceptual diagram of financial information processing system in Embodiment 1 Block diagram of the financial information processing system A flowchart for explaining the operation of the financial information processing apparatus 1 A flowchart for explaining a first example of the position calculation process Flow chart explaining the method for calculating the position candidate A flowchart for explaining a second example of the position calculation process Flow chart for explaining the operation of the terminal device 2 The figure which shows the screen which inputs the financial transaction information 1 or more Figure showing the input result The figure which shows the output example of the position related information The figure which shows the position after the input of the change instruction Figure showing the same payment information management table Block diagram of financial information processing apparatus 3 in the second embodiment A flowchart for explaining the operation of the financial information processing apparatus 3 Overview of the computer system in the above embodiment Block diagram of the computer system

  Hereinafter, embodiments of a financial information processing apparatus and the like will be described with reference to the drawings. In addition, since the component which attached | subjected the same code | symbol in embodiment performs the same operation | movement, description may be abbreviate | omitted again.

(Embodiment 1)
In the present embodiment, a financial information processing system that performs settlement for a position that satisfies a predetermined condition when there is one or more points for settlement and a loss has occurred. explain.

  In this embodiment, a financial information processing system that generates one or more pieces of position information having a lower value than the position information having the lowest value when the present value of the financial product is low enough to satisfy a predetermined condition will be described. . Further, in the present embodiment, a financial information processing system that generates one or more pieces of position information having a higher value than the position information having the highest value when the present value of the financial product is high enough to satisfy a predetermined condition will be described. . The value of the financial product is usually a price per unit amount of the financial product, such as an exchange rate in FX, a stock price per unit amount (for example, one share), and the like.

  In the present embodiment, a financial information processing system that automatically calculates information related to one or more positions using information related to maximum fluctuation PIPS will be described.

  In addition, the financial information processing system in this Embodiment is a system which can be utilized in order to perform a nanping suitably in FX, for example. Note that Nanping is one of the methods for buying and selling financial products such as FX and stocks. For example, when the price falls after buying a financial product, it is a method of lowering the buying price (average acquisition price) per unit amount (for example, one share) by buying more at the lower price.

  FIG. 1 is a conceptual diagram of the financial information processing system in the present embodiment. The financial information processing system includes a financial information processing device 1 and one or more terminal devices 2. The financial information processing apparatus 1 is, for example, a server device of a company that sells financial products. The terminal device 2 is, for example, a user terminal that purchases financial products. The terminal device 2 is, for example, a so-called personal computer, smartphone, mobile terminal, tablet terminal, or the like.

  FIG. 2 is a block diagram of the financial information processing system in the present embodiment.

  The financial information processing apparatus 1 constituting the financial information processing system includes a storage unit 11, a settlement information storage unit 12, a reception unit 13, a position calculation unit 14, a storage unit 15, a transmission unit 16, a present value information acquisition unit 17, a settlement determination. Unit 18, settlement unit 19, and position information generation unit 20.

  The terminal device 2 includes a terminal storage unit 21, a terminal reception unit 22, a terminal transmission unit 23, a terminal reception unit 24, a terminal output unit 25, a determination unit 26, and a change unit 27.

    The terminal reception unit 22 includes a first reception unit 221, a second reception unit 222, and a third reception unit 223.

  The storage part 11 which comprises the financial information processing apparatus 1 can store present value information. The present value information is information relating to the current value of the financial product. The present value information is, for example, the current exchange rate, the current stock price, the current future price, and the like. The present value information is, for example, information received from an external server device (not shown). The storage unit 11 may store other information. The other information is information used for calculating a position, for example, and is information indicating a transition history of the value of the financial product, for example. The information indicating the transition history of the value of the financial product includes, for example, two or more past value information that is a set of information indicating the time and information indicating the value of the financial product. The information indicating the transition history of the value of the financial product is, for example, the past fluctuation history of the exchange rate and the past transition history of the stock price. Further, the storage unit 11 may store user assets for each user, for example. The storage unit 11 stores, for example, one or more financial transaction information input by the user for each user. Further, the storage unit 11 may store notification destination information indicating a user's notification destination for each user, for example. Here, the financial products are, for example, FX, stocks, futures transactions, and the like. The notification destination information is, for example, a mail address, a telephone number, an IP address, or the like. The financial transaction information is information related to the transaction of financial products. The financial transaction information includes, for example, one or more information of currency pair, position direction, target asset information that is information indicating the target asset, and currency unit information. The storage unit 11 may store user account assets for each user. Account assets typically include information indicating the amount.

  The payment information storage unit 12 can store one or more payment information. The settlement information has one or more position information. The settlement information preferably includes a user identifier and one or more position information. The position information is information regarding the position. The position is information on a point indicating the position. The position indicates the position of the position where the financial product whose value may fluctuate was sold or bought. For example, in the case of FX, the position is expressed in terms of holding amount, exchange rate, trading, and the like. The position information is, for example, exchange rate information, stock price information to be purchased or sold, and the like. The user identifier is information for identifying the user, and is, for example, a user ID, a mail address, an ID (MAC address) of the terminal device 2, an IP address, a name, or the like.

  The accepting unit 13 accepts financial transaction information that is information related to transactions of financial products. Here, reception is usually reception from the terminal device 2. However, accepting may be accepting input from a user, reading from a recording medium, or the like. Moreover, the reception part 13 receives financial transaction information and a user identifier for a pair, for example. The financial transaction information includes, for example, a currency pair, target asset information that is information indicating the target asset, and information on a currency unit. The financial transaction information may include information on the position direction, for example.

  The position calculation unit 14 calculates one, two, or three or more positions using the financial transaction information received by the reception unit 13. In addition, the position calculation unit 14 usually calculates one or more positions so that the loss does not exceed the target asset indicated by the target asset information by the transaction of the financial product.

  The position calculator 14 calculates the maximum fluctuation PIPS using, for example, the volatility reference period and the safety factor. Then, the position calculation unit 14 calculates two or more positions using, for example, the maximum fluctuation PIPS. That is, the position calculation unit 14 calculates one or more other financial transaction information using one or more financial transaction information received by the reception unit 13, and uses the calculated financial transaction information to calculate 2 or Three or more positions may be calculated. The maximum fluctuation PIPS is the width of PIPS to be changed to the maximum. PIPS is the minimum unit of transaction rate.

  For example, the position calculation unit 14 may calculate a position, which is a point for buying a financial product, and may also acquire points for selling the financial product. The position calculation unit 14 calculates, for example, a position which is a point to buy a financial product, and calculates a point to buy the financial product as “buy point + P (P is a positive numerical value, for example, 2.00 yen)”. You may calculate the point which sells the said financial product using a type | formula. For example, when the financial product is FX and the currency pair is US dollar and Japanese yen, if the position calculation unit 14 calculates the point to buy US dollar as “99.00 yen”, the point to sell US dollar is “99.00”. Yen +2.00 yen ”is calculated. Note that P in “buy points + P” may be a fixed value, or may be a value calculated by an arithmetic expression using a value of a point at which a financial product is sold or target asset information as a parameter. The selling point is a settlement condition described later. Further, it may be considered that the settlement condition is that the value indicated by the present value information is equal to or more than the point to be sold.

  The position calculation unit 14 stores, for example, information on a position calculation formula using financial transaction information as a parameter, and calculates two or more positions by substituting the financial transaction information into the calculation formula indicated by the calculation formula information. .

  The formula for calculating the position is, for example, “B = (Tu × A ÷ X) + (1.025 × A × 10 × A ÷ X ÷ 2)”. Here, X is the position interval, A is the maximum fluctuation PIPS, B is the target asset (may be an account asset), and Tu is the required margin (for example, 1 lot thousand currency). Further, when the above equation is modified, “X = (Tu × A + 5.125 × A × A) ÷ B”.

  In the case of the above formula, the position calculation unit 14 first acquires the maximum variation PIPS (A), the target asset (B), and the required margin (Tu). Then, the position calculation unit 14 substitutes the acquired maximum fluctuation PIPS (A), target asset (B), and required margin (Tu) into the position calculation formula to calculate the position interval (X). Then, the position calculation unit 14 obtains the second and subsequent positions using the position interval (X), with the integer point (0 after the decimal point) closest to the present value as the first position.

  In the above calculation formula, it is preferable that the position calculation unit 14 configures the position with Xm being positive when X is smaller than Xm. Xm is a reference value (minimum value) of a preset position interval.

  The position calculation unit 14 may be, for example, the width information received by the reception unit 13 and may calculate two or more positions using the width information indicating the interval between positions. In other words, for example, the position calculation unit 14 acquires the present value information from the storage unit 11 and acquires the first position that is the numerical value closest to the present value information and has 0 after the decimal point. Next, for example, the position calculation unit 14 acquires the second and subsequent positions with the width indicated by the width information after the first position until the constraint is not satisfied.

  The width information is information related to the width between two or more positions. Note that the width of two or more between three or more positions is usually constant, but may not be constant. The width information is, for example, “2.00 yen”. Further, the width information may be considered as two or more position information. That is, the width information is information on two or more positions indicating the value of the financial product to be settled according to a change in the value of the financial product, and information on two or more positions calculated using the financial transaction information. You may think.

  An example of a specific algorithm for calculating the position by the position calculation unit 14 will be described later.

  The accumulating unit 15 accumulates in the settlement information storage unit 12 settlement information having one or more pieces of position information that is information relating to positions. The accumulating unit 15 accumulates in the settlement information storage unit 12 settlement information having two or more pieces of position information regarding the two or more positions acquired by the position calculating unit 14. The accumulation unit 15 configures payment information using two or more pieces of position information related to two or more positions acquired by the position calculation unit 14 and the user identifier received by the receiving unit 13, and stores the payment information in the payment information storage. Accumulate in unit 12.

  The transmission unit 16 transmits information to the terminal device 2. Here, the information is, for example, one or more position information. The information is information indicating that payment has been made, for example.

  The present value information acquisition unit 17 acquires present value information that is information related to the current value of the financial product. The present value information acquisition unit 17 receives present value information from an external device (not shown), for example. The present value information acquisition unit 17 may acquire present value information from the storage unit 11.

  The settlement determination unit 18 determines whether to perform settlement using the present value information. The settlement determination unit 18 determines whether or not the value indicated by the present value information satisfies a predetermined settlement condition. The settlement condition is usually associated with position information. The settlement condition is, for example, that the value indicated by the present value information is a value associated with the position information and becomes a value for performing settlement. The settlement condition is, for example, that the value indicated by the present value information is a value associated with the position information, and is equal to or less than the value for performing the settlement. The settlement condition is, for example, that the value indicated by the present value information is a value associated with the position information, and is more than the value for performing the settlement. For example, when the position indicated by the position information is “99.00 yen”, the value associated with the position information is “97.00 yen”, for example.

  If the settlement unit 19 determines to settle, the settlement unit 19 performs a settlement process that is a process for settlement of the financial product. That is, when the payment determination unit 18 determines that the payment condition is satisfied, the payment unit 19 performs a payment process that is a process for payment of the financial product. Here, the settlement process may be settlement, transmission of a settlement instruction to an external device, printing of information related to settlement, or the like. The payment process may be a process related to payment. The settlement unit 19 normally performs settlement processing using one or more financial transaction information. The one or more financial transaction information is, for example, a currency pair and a position direction.

  The position information generation unit 20 generates one or more pieces of position information when the value of the financial product indicated by the present value information satisfies a predetermined generation condition. More specifically, when the value of the financial product indicated by the present value information is low enough to satisfy a predetermined generation condition, the position information generation unit 20 has the lowest value position among the position information included in the payment information. One or more pieces of position information having a lower value than the information are generated. Here, the generation condition is, for example, that the value of the financial product indicated by the present value information is the same as or lower than the value indicated by the position information having the lowest value among the position information included in the payment information. The generation condition is, for example, that the value of the financial product indicated by the present value information is lower than the value indicated by more than half of the position information among the two or more pieces of position information included in the payment information. Further, the position (value) and the number indicated by the position information generated by the position information generation unit 20 are not limited. For example, the position information generation unit 20 generates position information of a position that is lower by a predetermined width (for example, 2 yen) than the position information having the lowest value among the position information included in the payment information. Note that the position of the position information generated by the position information generation unit 20 does not matter. What is necessary is just to produce | generate the position information of a position lower than the position information of the lowest value in the current position information. Further, when the position information generation unit 20 generates C pieces of position information (C is usually 1 but may be a natural number of 2 or more), the position information generation unit 20 generates C pieces of existing position information. It is preferable to delete. The C existing position information to be deleted is C position information of higher value including the highest value position information. In other words, it is preferable that the number of positions is constant regardless of fluctuations in the value of the financial product.

  In addition, when the value of the financial product indicated by the present value information is high enough to satisfy a predetermined generation condition, the position information generation unit 20 has a higher value than the highest value position information among the position information included in the payment information. One or more pieces of position information are generated. Here, the predetermined generation condition is, for example, that the value of the financial product indicated by the present value information is the same as or higher than the value indicated by the position information having the highest value among the position information included in the payment information. is there. The predetermined generation condition is, for example, that the value of the financial product indicated by the present value information is higher than the value indicated by more than half of the position information among the two or more pieces of position information included in the payment information. . For example, the position information generation unit 20 generates position information of a position that is higher by a predetermined width (for example, 2 yen) than the position information having the highest value among the position information included in the payment information. Note that the position of the position information generated by the position information generation unit 20 does not matter. What is necessary is just to produce | generate the position information of a position higher than the position information of the highest value in the current position information.

  Further, when the position information generation unit 20 generates C pieces of position information (C is usually 1 but may be a natural number of 2 or more), the position information generation unit 20 generates C pieces of existing position information. It is preferable to delete. The C existing position information to be deleted is C position information of lower value including the position information of the lowest value. In other words, it is preferable that the number of positions is constant regardless of fluctuations in the value of the financial product.

  In addition, it is preferable that the position information generation unit 20 generates a settlement condition for performing settlement for each generated position information, and accumulates the settlement condition in association with each position information. For example, the settlement condition is that the value indicated by the present value information is the same as the numerical value (value) stored in association with the position information. Further, for example, the settlement condition is that the value indicated by the present value information is equal to or less than a numerical value (value) stored in association with the position information. Further, for example, the settlement condition is that the value indicated by the present value information is equal to or greater than the numerical value (value) stored in association with the position information. Further, the position (value) and the number indicated by the position information generated by the position information generation unit 20 are not limited. The position information generated by the position information generation unit 20 is normally accumulated in the payment information storage unit 12 and included in the corresponding payment information in the payment information storage unit 12.

  The terminal storage unit 21 constituting the terminal device 2 can store information. The information is, for example, a user identifier that identifies a user. The user identifier is, for example, a user ID, a mail address, an ID (MAC address) of the terminal device 2, an IP address, a name, or the like.

  The terminal reception unit 22 receives information, instructions, and the like from the user. Examples of the information and instructions include width information, change instructions, financial transaction information, and registration instructions.

  Here, the change instruction is an instruction to correct two or more pieces of position information output by the terminal output unit 25. The change instruction is usually an instruction to correct the position of the position. However, the change instruction may be deletion of a position, addition of a position, or the like. The correction to each position information does not mean correction to all position information, but also includes correction to any position information, addition of a position, and the like.

  Further, the registration instruction is an instruction to register a position. For example, the registration instruction may be input by pressing a registration button. The registration instruction may include two or more position information.

  Any means such as a keyboard, a mouse, a touch panel, or a menu screen may be used for inputting information and instructions. The terminal reception unit 22 can be realized by a device driver of an input unit such as a keyboard, control software for a menu screen, or the like.

  The first reception unit 221 receives width information. Here, “acceptance” is usually reception from the financial information processing apparatus 1, but may be acceptance of input from the user. The first reception unit 221 may receive width information including two or more pieces of position information from the financial information processing apparatus 1. Moreover, the 1st reception part 221 may receive the width information which has a numerical value from a user.

  The second receiving unit 222 receives a change instruction for two or more pieces of position information output by the terminal output unit 25. The change instruction input means may be anything such as a keyboard, mouse, touch panel, or menu screen.

  It is preferable that the second receiving unit 222 does not receive a change instruction that does not satisfy one or more constraints. Not accepting a change instruction that does not satisfy the constraint means not accepting an inappropriate change instruction.

  The constraint is, for example, that one position is not the same as another position. Further, the constraint is that, in two or more positions output by the terminal output unit 25, a position positioned higher than one position cannot move lower than the one position. Further, the constraint is that a loss cannot be made beyond the target asset of the user. In addition, the constraint is that a loss cannot be made beyond the user's account assets.

  The 3rd reception part 223 receives the 1 or more financial transaction information which is the information regarding the transaction of financial products. The third receiving unit 223 may receive one or more financial transaction information and an acquisition instruction. The acquisition instruction is an instruction to acquire two or more pieces of position information.

  The terminal transmission unit 23 transmits instructions, information, and the like received by the terminal reception unit 22 to the financial information processing apparatus 1. The terminal transmission unit 23 may transmit two or more pieces of position information related to two or more positions including the one or more positions changed by the changing unit 27 to the financial information processing apparatus 1. The instructions and information here are, for example, one or more financial transaction information, one or more financial transaction information and a user identifier, two or more position information, two or more position information and a user identifier, a registration instruction, and a registration instruction. And user identifiers.

  The terminal receiving unit 24 receives information from the financial information processing apparatus 1. For example, the terminal receiving unit 24 receives two or more pieces of position information or position related information from the financial information processing apparatus 1 in response to transmission of one or more pieces of financial transaction information or the like. Further, the terminal receiving unit 24 receives a registration result of two or more position information in response to transmission of two or more position information or a registration instruction. Further, the terminal receiving unit 24 receives the settlement result from the financial information processing apparatus 1.

  The terminal output unit 25 uses the width information received by the first receiving unit 221 to output two or more pieces of position information that are information related to two or more positions. Further, outputting two or more position information using the width information may be generating two or more position information from the width information and outputting the two or more position information, or the financial information processing apparatus 1 It may be possible to output two or more pieces of position information received from. In addition, the output mode of the position information in the terminal output unit 25 does not matter. The terminal output unit 25 preferably outputs two or more pieces of position information with reference to the drawing. As shown in FIG. 10 to be described later, the terminal output unit 25 preferably outputs a diagram that clearly shows the positions of two or more positions together with a graphical measure.

  The terminal output unit 25 may output position related information including information on each interval between two or more positions and the number of positions. Note that the position related information includes two or more pieces of position information.

  When the first receiving unit 221 receives width information from the user, as described above, the terminal output unit 25 generates two or more positions using the width information, and generates the two or more generated Two or more pieces of position information related to the position may be output. When the 1st reception part 221 receives width information from a user, the terminal output part 25 acquires present value information, for example, and is the position of the natural number nearest to the present value information (position whose decimal part is 0). As the first position, second and subsequent positions that differ from the first position by the width indicated by the width information are generated. For example, when the width information is “2.00” and the present value information is “99.50 yen”, the terminal output unit 25 acquires the first position “99.00 yen”, and the first From the position, “97.00 yen”, “95.00 yen”, “93.00 yen”, etc., which are the second and subsequent positions that differ by “2.00”, are acquired. Here, it is preferable that the terminal output unit 25 generates a position that satisfies the constraints. Whether or not the constraint is satisfied may be determined by the determination unit 26 described later.

  The output here is usually a display on a display, but projection using a projector, printing with a printer, sound output, transmission to an external device, accumulation in a recording medium, other processing device It is a concept that includes the delivery of processing results to other programs.

  The determination unit 26 determines whether or not the change instruction received by the second reception unit 222 satisfies one or more restrictions regarding the position. For example, the determination unit 26 holds one or more pieces of constraint information, acquires the one or more pieces of constraint information, and determines whether or not the position corresponding to the change instruction matches the constraints indicated by the one or more pieces of constraint information. Determine whether.

  The changing unit 27 changes one or more positions based on the change instruction. The change of the position in the changing unit 27 is usually a change of the position of the position. The change of position may be addition or deletion of a position. The terminal output unit 25 outputs position information regarding the changed position by changing the position in the changing unit 27. The changed position is, for example, a position whose position (position) is changed, an added position, a deleted position, or the like.

  The storage unit 11, the settlement information storage unit 12, and the terminal storage unit 21 are preferably non-volatile recording media, but can also be realized by volatile recording media.

  The process in which present value information etc. are memorize | stored in the storage part 11 grade | etc., Does not ask | require. For example, the present value information or the like may be stored in the storage unit 11 or the like via a recording medium, and the present value information or the like transmitted via a communication line or the like may be stored in the storage unit 11 or the like. Alternatively, present value information or the like input via the input device may be stored in the storage unit 11 or the like.

  The position calculation unit 14, the accumulation unit 15, the settlement determination unit 18, the settlement unit 19, the position information generation unit 20, the determination unit 26, and the change unit 27 can be usually realized by an MPU, a memory, or the like. The processing procedure of the position calculation unit 14 is usually realized by software, and the software is recorded on a recording medium such as a ROM. However, it may be realized by hardware (dedicated circuit).

  The transmission unit 16 and the terminal transmission unit 23 are usually realized by wireless or wired communication means, but may be realized by broadcasting means.

  The present value information acquisition unit 17 and the terminal reception unit 24 are usually realized by wireless or wired communication means, but may be realized by means for receiving broadcasts.

  The terminal output unit 25 may be considered as including or not including an output device such as a display or a speaker. The terminal output unit 25 can be implemented by output device driver software, or output device driver software and an output device.

  Next, the operation of the financial information processing system will be described. First, operation | movement of the financial information processing apparatus 1 is demonstrated using the flowchart of FIG.

  (Step S <b> 301) The receiving unit 13 determines whether one or more financial transaction information has been received from the terminal device 2. If one or more financial transaction information is received, the process goes to step S302. If one or more financial transaction information is not received, the process goes to step S307. In addition, the reception part 13 also receives a user identifier normally with 1 or more financial transaction information.

  (Step S302) The position calculation unit 14 acquires one or more financial transaction information received in Step S301.

  (Step S <b> 303) The position calculation unit 14 acquires present value information from the storage unit 11.

  (Step S304) The position calculation unit 14 calculates one or more positions using the one or more financial transaction information. An example of such position calculation processing will be described with reference to the flowcharts of FIGS. Further, the position calculation unit 14 calculates one or more positions using, for example, present value information. In addition, it is preferable that the position calculation unit 14 temporarily stores one or more pieces of position information regarding one or more acquired positions in a buffer (not shown) in association with the user identifier.

  (Step S305) The transmission unit 16 configures one or more pieces of position information using the one or more positions calculated in Step S304.

  (Step S306) The transmission unit 16 transmits one or more pieces of position information configured in step S305 to the terminal device 2. The process returns to step S301.

  (Step S307) The accepting unit 13 determines whether or not one or more pieces of position information are received from the terminal device 2. If one or more position information or the like is received, the process proceeds to step S308. If one or more position information or the like is not received, the process returns to step S301. The one or more pieces of position information are, for example, one or more pieces of position information and a user identifier. Also, one or more pieces of position information may be included in the registration instruction. That is, the reception unit 13 may receive a registration instruction including one or more pieces of position information from the terminal device 2.

  (Step S308) The accumulation unit 15 accumulates one or more pieces of position information received in step S307 in association with the received user identifier. The process returns to step S301. The storage unit 15 normally stores two or more pieces of position information in the storage unit 11.

  (Step S309) The settlement determination unit 18 determines whether it is time to perform settlement. If it is time to make a payment, go to step S310. If it is not time to make a payment, return to step S301. Note that the settlement timing is determined in advance, for example, on the business day of the financial product sales company (for example, the date when the financial information processing device 1 is operating or the date set in advance in the financial information processing device 1). Time (for example, 15:00). However, the timing for making a settlement does not matter.

  (Step S310) The present value information acquisition unit 17 acquires present value information of the financial product.

  (Step S311) The settlement determination unit 18 substitutes 1 for the counter i.

  (Step S312) The settlement determination unit 18 determines whether or not the position information of the i-th user exists in the settlement information storage unit 12. If position information of the i-th user exists, the process goes to step S313, and if not, the process returns to step S301.

  (Step S313) The settlement determination unit 18 acquires one or more pieces of position information of the i-th user from the settlement information storage unit 12.

  (Step S314) The settlement determination unit 18 substitutes 1 for the counter j.

  (Step S315) The settlement determination unit 18 determines whether or not the j-th position information among the one or more pieces of position information acquired in Step S313 exists. If the j-th position information exists, the process goes to step S316, and if not, the process goes to step S320.

  (Step S316) The settlement determination unit 18 determines whether or not the settlement condition corresponding to the j-th position information is satisfied using the present value information acquired in Step S310. When the payment condition is satisfied, for example, the value indicated by the present value information is equal to or less than the value associated with the j-th position information. Moreover, when satisfy | filling the said payment conditions, it is a case where the value which present value information shows is more than the value matched with the jth position information, for example.

  (Step S317) The settlement unit 19 performs settlement processing for the financial product using the present value information. The settlement unit 19 normally performs settlement processing using one or more financial transaction information of the user stored in the storage unit 11. In addition, when the settlement unit 19 performs settlement, it is preferable to delete the position information corresponding to the settlement.

  (Step S318) The transmission unit 16 transmits information indicating that the payment has been made to the terminal device 2 of the user. For example, the transmission unit 16 acquires notification destination information corresponding to the user identifier of the user. And the transmission part 16 transmits the information to the effect of payment to the notification destination which notification destination information shows. The transmission unit 16 may transmit the value of the financial product at the time of settlement.

  (Step S319) The position information generation unit 20 determines whether or not a generation condition for generating position information is satisfied. If the generation condition is satisfied, the process goes to step S320. If the generation condition is not satisfied, the process goes to step S321. The determination as to whether or not the generation condition for generating the position information is satisfied is, for example, determination as to whether or not the value of the financial product indicated by the present value information is low enough to satisfy a predetermined condition. The determination as to whether or not the condition for generating position information is satisfied may be, for example, a determination as to whether or not the value of the financial product indicated by the present value information is high enough to satisfy a predetermined condition.

  (Step S320) The position information generation unit 20 generates one or more pieces of position information. Note that the position information generation unit 20 generates, for example, one or more pieces of position information having a lower value than the position information having the lowest value among the position information acquired in step S313. Further, for example, the position information generation unit 20 may generate one or more pieces of position information having a higher value than the position information having the highest value among the position information acquired in step S313. When the position information generation unit 20 generates one or more pieces of position information, it is preferable to delete one or more pieces of existing position information. It is preferable that the number of position information generated by the position information generation unit 20 is the same as the number of position information to be deleted.

  (Step S321) The settlement determination unit 18 increments the counter i by one. The process returns to step S312.

  (Step S322) The settlement determination unit 18 increments the counter j by 1. The process returns to step S315.

  In the flowchart of FIG. 3, the process ends when the power is turned off or the process is terminated.

  In the flowchart of FIG. 3, the reception unit 13 may receive the width information from the terminal device 2, and the position calculation unit 14 may calculate two or more positions using the width information. In such a case, the transmission unit 16 transmits two or more pieces of position information regarding the two or more positions to the terminal device 2. The terminal device 2 is the terminal device 2 that has transmitted the width information.

  Next, a first example of the position calculation process in step S304 will be described using the flowchart of FIG.

  (Step S401) The position calculation unit 14 calculates the maximum fluctuation PIPS (X) using the volatility reference period and the safety factor. The position calculation unit 14 usually obtains the fluctuation PIPS (CP) of the volatility reference period from the storage unit 11 and obtains the maximum fluctuation PIPS (X) by “maximum fluctuation PIPS (X) = variation PIPS (CP) × safety coefficient”. Is calculated. It is assumed that the position calculation unit 14 holds in advance information on an arithmetic expression for calculating the maximum fluctuation PIPS (X). Note that the maximum fluctuation PIPS (X) may be calculated without using the safety factor.

  (Step S402) The position calculation unit 14 substitutes 2 for N.

  (Step S403) The position calculation unit 14 calculates position candidates. A method for calculating position candidates will be described with reference to the flowchart of FIG.

  (Step S404) The position calculation unit 14 calculates the valuation profit / loss of each position candidate for one or more position candidates calculated in step S403. The position calculation unit 14 calculates the valuation profit / loss of the position candidate by, for example, “valuation profit / loss = PIP of position candidate × lot unit × currency unit”.

  (Step S405) The position calculation unit 14 calculates the burden (a) of the user using the evaluation profit / loss of each position candidate calculated in step S404 and the margin information. The burden (a) is “sum of valuation profit / loss of each position candidate + margin × number of position candidates”.

  (Step S406) The position calculation unit 14 determines whether or not “target asset of the user <a” is satisfied. When “the target asset of the user <a” is satisfied, the process goes to step S407, and when “the target asset of the user <a” is not satisfied, the process goes to step S410. It is assumed that the target asset of the user is stored in the storage unit 11 in association with the user identifier, for example. Further, the target asset here may be an account asset.

  (Step S407) The position calculation unit 14 substitutes “N−1” for the variable “number of positions”. The variable “number of positions” is the number of final positions.

  (Step S408) The position calculation unit 14 acquires all the positions when the number of positions is (N-1) from the buffer.

  (Step S409) The position calculation unit 14 acquires the position width (interval). Return to upper process.

  Next, the position candidate calculation method in step S403 will be described with reference to the flowchart of FIG.

  (Step S501) The position calculation unit 14 substitutes 1 for the counter i.

(Step S502) The position calculation unit 14 calculates a position candidate P _i “(X / N) × i”.

  (Step S503) The position calculation unit 14 increments the counter i by one.

  (Step S504) The position calculation unit 14 determines whether i and N are equal. If i and N are equal, the process goes to step S505, and if i and N are not equal, the process returns to step S502.

(Step S505) The position calculation unit 14 stores all positions in a buffer (not shown). Return to upper process. It should be noted that all of the position, a position from _{P 1} of _{P i.}

  Next, a second example of the position calculation process in step S304 will be described using the flowchart of FIG. In the flowchart of FIG. 6, the description of the same steps as those in the flowchart of FIG. 4 is omitted.

  (Step S601) The position calculation unit 14 substitutes 1 for the counter i.

(Step S602) The position calculation unit 14 calculates a position candidate P _i “present value−i × x (x is a constant)” and temporarily stores it in the buffer. The present value is a value (for example, an exchange rate, a stock price, etc.) indicated by the present value information. Moreover, x is 50 PIPS, for example.

(Step S603) The position calculation unit 14 determines whether or not the position candidate P _i exceeds the maximum fluctuation PIPS (X) from the present value. If not, go to step S604, otherwise go to step S609.

  (Step S604) The position calculation unit 14 calculates an evaluation profit / loss for the i-th position candidate. The position calculation unit 14 calculates the valuation profit / loss of the position candidate by, for example, “valuation profit / loss = PIP of position candidate × lot unit × currency unit”.

(Step S605) The position calculation unit 14 calculates the user's burden (a _i ) on the position candidate P _i using the evaluation profit / loss of the position candidate P _i and the margin information. The burden (a _i ) is usually “valuation gain / loss of position candidate P _i + margin”.

(Step S606) The position calculation unit 14 calculates the entire burden (a) of the user. The total user burden (a) is the sum from a ₁ to a _i .

  (Step S607) The position calculation unit 14 determines whether or not “target asset of the user <a” is satisfied. When “the target asset of the user <a” is satisfied, the process goes to step S608, and when “the target asset of the user <a” is not satisfied, the process goes to step S609. Here, the account asset may be a target asset. Further, the target asset may be a part of the account asset.

  (Step S608) The position calculation unit 14 increments the counter i by one.

  (Step S609) The position calculation unit 14 substitutes “i−1” for the variable “number of positions”. The variable “number of positions” is the number of final positions.

(Step S610) The position calculation unit 14 acquires all positions from P ₁ to P _i−1 from the buffer. Return to upper process.

  Next, operation | movement of the terminal device 2 is demonstrated using the flowchart of FIG.

  (Step S701) The third receiving unit 223 determines whether financial transaction information or the like has been received. If financial transaction information etc. are received, it will go to step S702, and if financial transaction information etc. are not received, it will go to step S706. The financial transaction information or the like is, for example, an instruction to acquire financial transaction information and position information.

  (Step S <b> 702) The terminal transmission unit 23 acquires a user identifier from the terminal storage unit 21.

  (Step S703) The terminal transmission unit 23 transmits the financial transaction information accepted in Step S701 and the user identifier when acquired in Step S702 to the financial information processing apparatus 1.

  (Step S704) The first reception unit 221 determines whether one or more pieces of position information have been received from the financial information processing apparatus 1 in response to transmission of financial transaction information or the like in step S703. If one or more position information is received, the process proceeds to step S705, and if not received, the process returns to step S704.

  (Step S705) The terminal output unit 25 outputs one or more position information received in step S704. The process returns to step S701.

  (Step S706) The first receiving unit 221 determines whether or not width information has been received. If width information is accepted, the process goes to step S707. If width information is not accepted, the process goes to step S709. Here, the first receiving unit 221 normally receives width information from the user.

  (Step S707) The terminal output unit 25 acquires two or more positions using the width information.

  (Step S708) The terminal output unit 25 outputs two or more pieces of position information about the two or more positions acquired in Step S707. The process returns to step S701. Note that the output mode of position information in step S705 and the output mode of position information in step S708 are usually the same.

  (Step S709) The second receiving unit 222 determines whether or not a change instruction for two or more pieces of position information output by the terminal output unit 25 has been received. If a change instruction is accepted, the process goes to step S710, and if no change instruction is accepted, the process goes to step S715.

  (Step S710) The changing unit 27 acquires position information corresponding to the change instruction.

  (Step S711) The determination unit 26 acquires one or more pieces of constraint information.

  (Step S712) The determination unit 26 determines whether or not the position information acquired in step S710 matches all the one or more constraints indicated by the one or more constraint information. If it matches all the constraints of 1 or more, it goes to step S713, and if it does not match any of the constraints, it goes to step S714.

  (Step S713) The terminal output unit 25 outputs the position information changed by the change instruction. Normally, the terminal output unit 25 also outputs position information that has not been changed by the change instruction. The process returns to step S701.

  (Step S714) The terminal output unit 25 outputs an error message indicating that the change instruction is inappropriate. The process returns to step S701.

  (Step S715) The terminal reception unit 22 determines whether a registration instruction has been received. When the registration instruction is accepted, the process goes to step S716, and when the registration instruction is not accepted, the process returns to step S701.

  (Step S <b> 716) The terminal transmission unit 23 acquires a user identifier stored in the terminal storage unit 21.

  (Step S717) The terminal transmitter 23 acquires one or more pieces of position information. Then, the terminal transmission unit 23 transmits one or more pieces of position information and the user identifier acquired in step S716 to the financial information processing apparatus 1. The process returns to step S701. When a change instruction is input, the one or more pieces of position information here are two or more pieces of position information including position information changed by the change instruction.

  In step S707 of the flowchart of FIG. 7, the terminal output unit 25 generates two or more positions using the width information. However, in step S707, the terminal transmission unit 23 transmits the width information to the financial information processing apparatus 1, the terminal reception unit 24 receives two or more pieces of position information from the financial information processing apparatus 1, and the terminal output unit 25 has two or more. Position information may be output.

  In the flowchart of FIG. 7, the process ends when the power is turned off or the process is terminated.

  Hereinafter, a specific operation of the financial information processing system in the present embodiment will be described. A conceptual diagram of the financial information processing system A is shown in FIG.

  Here, it is assumed that the financial information processing system is a system for suitably performing the FX pinning of financial products, and is a system capable of presenting two or more positions to the user. Three specific examples will be described below.

(Specific example 1)
Specific example 1 is a case where the financial information processing apparatus 1 automatically acquires one or more positions and automatically performs a settlement process using the acquired one or more positions. Moreover, in the specific example 1, when the value of the financial product indicated by the present value information is low enough to satisfy a predetermined condition, the position information generation unit 20 determines the position with the lowest value among the position information included in the payment information. One or more pieces of position information having a lower value than the information are generated. In the first specific example, the user may change the position information by inputting a change instruction to one or more pieces of output position information.

  In Specific Example 1, first, information on two or more positions automatically calculated by the financial information processing apparatus 1 is output. Second, the user inputs a change instruction to the two or more pieces of position information that are output, and changes the one or more pieces of position information. In specific example 1, the final position is determined by these two steps. Then, when the condition is satisfied, automatic settlement is performed. Further, when the value of the financial product indicated by the present value information is the same as or lower than the position information of the lowest value among the position information included in the payment information, the financial information processing apparatus 1 determines the position of the lowest value. Position information having a value lower than the information by a predetermined width is generated.

  First, it is assumed that the reception unit 13 of the financial information processing apparatus 1 has received present value information “99.50” corresponding to the currency pair “USDJPY” from an external device (not shown). The accumulation unit 15 accumulates the present value information “99.50” received by the reception unit 13 in the storage unit 11. The currency pair “USDJPY” indicates a pair of US dollar and Japanese yen.

  Further, it is assumed that the storage unit 11 constituting the financial information processing apparatus 1 holds the asset “200,000 yen” of the user in addition to the present value information.

  In such a situation, the user downloaded the screen for acquiring two or more positions from the financial information processing device 1 to the terminal device 2 for accessing the financial information processing device 1 and suitably performing FX picking. To do. That is, the terminal receiving unit 24 of the terminal device 2 receives a web page having a screen for acquiring two or more positions. An output unit (not shown) outputs a web page. Such a web page (screen) is shown in FIG. FIG. 8 is a screen for inputting one or more financial transaction information. Here, the one or more financial transaction information is a currency pair, a volatility reference period, a safety factor, a position direction, target asset information, and information on a currency unit. The volatility reference period is a period for acquiring volatility. Here, for example, “30 days (1 month), 60 days (2 months), 90 days (3 months), 180 days (six months), 365 days (1 year), 3 years ". The safety factor is a magnification with respect to the maximum fluctuation range (PIPS) in the volatility reference period. Here, for example, “1 ×, 2 ×, 3 ×, 5 ×, 10 ×” is selected. The position direction is one of “sell”, “buy”, and “both”. The target asset is an asset to be traded. As the target asset, a numerical value or a ratio (%) to the account asset can be input here. Here, an error occurs when a numerical value exceeding the account asset is input in the target asset. Further, it is assumed that up to 100% can be entered in 10% increments for the ratio to account assets. Furthermore, as the currency unit, either “1000 currency” or “10,000 currency” can be selected here. Thousand currencies and 10,000 currencies are currency units. Thousand currencies and 10,000 currencies represent, for example, the minimum quantity when one transaction is performed in FX. For example, 10,000 currency is a transaction that gains or loses when trading $ 100,000. A thousand currency is a transaction for obtaining a profit or loss that occurs when trading 1000 dollars.

  Next, it is assumed that the user inputs financial transaction information having various information on the screen of FIG. The input result is shown in FIG. Next, it is assumed that the user presses the “optimization” button 91 in FIG. The financial transaction information in FIG. 9 includes currency pair “USDJPY”, volatility reference period “90 days (3 months)”, safety factor “double”, position direction “sell”, target asset information “50% of account assets” ”, And the currency unit“ 1000 currency ”.

  Then, the terminal reception part 22 receives the financial transaction information input from the user. In addition, the terminal reception unit 22 receives a position acquisition instruction corresponding to the “optimization” button 91.

  Then, the terminal transmission unit 23 reads the user identifier “AAA” from the terminal storage unit 21. Next, the terminal transmission unit 23 sends the position acquisition instruction including one or more financial transaction information (see FIG. 9) received by the terminal reception unit 22 and the read user identifier “AAA” to the financial information processing apparatus 1. Send.

  Next, the reception unit 13 of the financial information processing apparatus 1 receives a position acquisition instruction including one or more financial transaction information and a user identifier “AAA”.

  Next, the position calculation unit 14 acquires one or more received financial transaction information. Next, the position calculation unit 14 acquires the present value information “99.50” from the storage unit 11.

  Next, it is assumed that the position calculation unit 14 calculates one or more positions using the financial transaction information by the algorithm described with reference to FIG. 4 as follows. In the received financial transaction information, the currency pair is “USDJPY”, the buying and selling direction “buy”, the target asset “50%”, the currency unit (lot unit) “1000”, and the unit price “5000 yen”. The volatility reference period is “90 days”, and the PIPS in the volatility reference period is “400 PIPS”. The safety factor is “twice”.

  That is, first, the position calculation unit 14 multiplies “400 PIPS” and the safety factor “double” in the volatility reference period by using the volatility reference period and the safety factor, and obtains the maximum fluctuation PIPS (X) “800 PIPS”. calculate. Further, the position calculation unit 14 multiplies the account asset “2000,000 yen” and the target asset “50%” to calculate the target asset (amount) as “100,000 yen”.

  Next, the position calculation unit 14 builds one lot at a half of the maximum allowable variation = 400 PIP. Then, the position calculation unit 14 calculates “100,000− (5000 + 4000) = 91,000” by subtracting the valuation profit / loss when moving up to a margin of 5000 yen and the maximum allowable fluctuation from the account asset. Next, since the above calculation result is a positive value, the position calculation unit 14 clears the result.

  Next, the position calculation unit 14 builds one lot at a place where one third of the maximum allowable variation = 266 PIP and at 533 PIP. Then, the position calculation unit 14 subtracts the valuation profit / loss when moving up to a margin of 5000 yen and the maximum permissible fluctuation from the account asset, “100,000− (5,000 + 5,340) − (5,000 + 2,670) = 81,990 "is calculated. Next, since the above calculation result is a positive value, the position calculation unit 14 clears the result.

  Next, the position calculation unit 14 builds one lot at a time where 1/4 of the maximum allowable variation = 200 PIP, 400 PIP, and 600 PIP. Then, the position calculation unit 14 subtracts the valuation profit / loss when moving up to a margin of 5000 yen and the maximum allowable fluctuation from the account asset, and calculates “100,000− (5,000 + 6,000) − (5,000 + 4,000) − (5,000 + 2,000) = 73,000 ”is calculated. Next, since the above calculation result is a positive value, the position calculation unit 14 clears the result.

  The position calculation unit 14 repeats this calculation while increasing the position one by one, and determines the previous position where the answer is negative as the optimum number of positions.

  Here, the position having 12 positions becomes negative, and the position calculation unit 14 determines the optimum position as 11 positions.

  Then, the position calculation unit 14 acquires 11 positions. 11 positions are, for example, “99.00”, “97.00”, “95.00”, “93.00”, “91.00”, “89.00”, “87.00”, “85.00”, “83. 00, "81.00", "79.00". Here, the position calculation unit 14 acquires a position that is a numerical value closest to the present value information and has 0 after the decimal point as the first position, but may acquire another first position. For example, the position calculation unit 14 obtains a position that is a numerical value closest to “present value information−X (X is a positive numerical value, for example,“ 2.00 ”)” and has a decimal point of 0. Also good.

  Next, the transmission unit 16 uses the 11 positions calculated by the position calculation unit 14 to construct position related information having 11 pieces of position information. Here, it is assumed that the position related information includes information on each position, information on a settlement order corresponding to each position (for example, “position + 2.00”), and present value information “99.50”. The settlement condition corresponding to each position information is usually that the value indicated by the present value information is equal to or higher than the information of the settlement order corresponding to each position information. Note that the position calculation unit 14 may perform the process of configuring the position related information.

  Next, the transmission unit 16 transmits the position-related information having the configured eleven position information to the terminal device 2.

  Next, the terminal receiving unit 24 of the terminal device 2 receives position related information from the financial information processing device 1. Then, the position output unit 25 outputs the position related information received by the terminal receiving unit 24. An output example of the position related information is shown in FIG. In FIG. 10, each position is displayed graphically. In FIG. 10, the value indicated by each position is shown in the index indicating the value of the financial product.

  Next, on the screen of FIG. 10, it is assumed that the user has input a change instruction to change the position “97.00” to the position “98.00”. Then, the second reception unit 222 receives such a change instruction.

  Then, the changing unit 27 acquires the position “98.00” corresponding to the change instruction. Next, the determination unit 26 acquires one or more pieces of stored constraint information. Here, one or more pieces of constraint information indicate “information indicating that one position is not the same as another position” and “a position positioned higher than one position cannot move lower than one position” Information ”and“ Information indicating that loss cannot be made beyond the target asset ”. Next, the determination unit 26 determines whether or not the acquired position “98.00” matches the three constraints indicated by the three constraint information. Here, the determination unit 26 determines that the changed position “98.00” matches the three constraints indicated by the three constraint information. Then, the position output unit 25 outputs the position changed by the change instruction. The position after the input of such a change instruction is 111 in FIG. When the change unit 27 changes one position from “97.00” to “98.00”, the change unit 27 may be referred to as payment conditions (payment order information) according to the change. ) Is changed from “99.00” to “100.00”. The changing unit 27 calculates “value indicated by position information + 2.00” and acquires the settlement condition.

  Further, it is assumed that the user inputs a change instruction for generating a new position at the position “96.50” on the screen of FIG. 10. Then, the second reception unit 222 receives such a change instruction.

  Then, the changing unit 27 acquires the position “96.50” corresponding to the change instruction. Next, the determination unit 26 acquires three pieces of constraint information. Next, the determination unit 26 determines that the acquired position “96.50” matches the three constraints indicated by the three constraint information. Further, the changing unit 27 calculates “96.50 + 2.00” by using “96.50” of the position information, and acquires the settlement condition “98.50”.

  Then, the position output unit 25 outputs the position changed by the change instruction. The position after the input of such a change instruction is 112 in FIG.

  Next, it is assumed that the user inputs a change instruction to delete the position “87.00” on the screen of FIG. Then, the second reception unit 222 receives such a change instruction.

  Next, the determination unit 26 determines that the acquired position “96.50” matches the three constraints indicated by the three constraint information. Then, the changing unit 27 deletes the position “87.00” corresponding to the change instruction.

  Next, it is assumed that the user has pressed the “Register” button 113 in FIG. Then, the terminal reception part 22 receives a registration instruction.

  Next, the terminal transmission unit 23 acquires the user identifier (here, “AAA”) stored in the terminal storage unit 21. And the terminal transmission part 23 acquires all the positions currently displayed on the screen of FIG. Here, all positions are “99.00”, “98.00”, “96.50”, “95.00”, “93.00”, “91.00”, “89.00”, “85.00”, “83”. .00 "," 81.00 ", and" 79.00 ". Then, the terminal transmission unit 23 transmits 11 position information having 11 positions and the user identifier “AAA” to the financial information processing apparatus 1.

  Next, the reception unit 13 of the financial information processing device 1 receives the 11 position information and the user identifier from the terminal device 2. Then, the storage unit 15 stores the received 11 pieces of position information in the storage unit 11 in association with the received user identifier “AAA”.

  As described above, in specific example 1, two or more appropriate positions are presented in the first step, and a user-desired position can be set in detail in the second step. Therefore, two or more positions of the financial product can be set easily and flexibly. In addition, the detailed setting of the position by the user in the second step is not essential. Further, although the position information is automatically generated in the first step, one or more position information may be input by the user.

  In addition, the value of the financial product indicated by the present value information is the same as the value of the one position information, or higher than the position information of the next lower value than the position information of the one position information. If so, the settlement determination unit 18 determines to perform settlement. Then, the settlement unit 19 performs a settlement process for the financial product at the value indicated by the present value information.

  When the value of the financial product indicated by the present value information is low enough to satisfy a predetermined condition, the position information generation unit 20 has a lower value than the position information having the lowest value among the position information included in the payment information. One or more pieces of position information are generated. Here, when the value of the financial product indicated by the present value information is the same as “79.00”, which is the lowest value, or less than “79.00”, the position information generation unit 20 sets the position of “77.00”. Generate information. Here, the position information generation unit 20 may generate two or more pieces of position information (for example, “77.00”, “75.00”, “73.00”). The number of position information generated by the position information generation unit 20 does not matter. The number of pieces of position information generated by the position information generation unit 20 may always be a constant number such as one, or may vary according to present value information.

(Specific example 2)
In Specific Example 2, first, two or more pieces of position information are output based on the width information input by the user. Second, the user inputs a change instruction and changes the position information. These two steps determine the final position.

  First, it is assumed that the user inputs width information “2.00” to the financial information processing apparatus 1. The width information input here is information indicating an interval between positions. The width information “2.00” indicates that positions are set at intervals of “2.00 yen”.

  Next, the first reception unit 221 receives the width information “2.00”.

  Next, the position output unit 25 generates two or more positions using the width information. That is, first, it is assumed that the position output unit 25 has acquired the present value information “99.50 yen”. Note that the position output unit 25 acquires, for example, present value information from an external device such as the financial information processing device 1. Alternatively, the position output unit 25 reads the present value information acquired from, for example, an external device and stored in the terminal storage unit 21. Next, the position output unit 25 obtains a position “99.00” that is a numerical value closest to the present value information and has 0 after the decimal point.

  Next, the position output unit 25 acquires positions with a width of “2.00” after the position “99.00” until the constraint is not satisfied. Here, it is assumed that the restriction is “inability to lose beyond the target asset”. Here, the target asset is “100,000 yen”. It is assumed that the target asset is stored in the terminal storage unit 21. That is, the position output unit 25 generates positions one after another so that the loss does not exceed the target asset “100,000 yen” even if the positions are “97.00” and “95.00”. . Then, the position output unit 25 has positions of “99.00”, “98.00”, “96.50”, “95.00”, “93.00”, “91.00”, “89.00”, and “87.00”. "85.00", "83.00", "81.00", and "79.00" are generated. Further, the position output unit 25 acquires the settlement condition in association with each position information. The settlement condition is, for example, “numerical value indicated by position information + 2.00”. Although the position output unit 25 generates a position, the financial information processing apparatus 1 may generate the position. In such a case, the terminal receiving unit 24 receives two or more pieces of position information.

  Next, the position output unit 25 outputs the generated two or more positions. An example of such output is shown in FIG.

  Next, on the screen of FIG. 10, it is assumed that the user has input a change instruction to change the position “97.00” to the position “98.00”. Then, the second reception unit 222 receives such a change instruction.

  Then, the changing unit 27 acquires the position “98.00” corresponding to the change instruction. Next, the determination unit 26 acquires one or more pieces of stored constraint information. Here, one or more pieces of constraint information indicate “information indicating that one position is not the same as another position” and “a position positioned higher than one position cannot move lower than one position” Information ”and“ Information indicating that loss cannot be made beyond the target asset ”. Next, the determination unit 26 determines whether or not the acquired position “98.00” matches the three constraints indicated by the three constraint information. Here, the determination unit 26 determines that the changed position “98.00” matches the three constraints indicated by the three constraint information. When the change unit 27 changes one position from “97.00” to “98.00”, the change unit 27 may be referred to as payment conditions (payment order information) according to the change. ) Is changed from “99.00” to “100.00”. The changing unit 27 automatically calculates “value indicated by position information + 2.00” and acquires a settlement condition.

  Then, the position output unit 25 outputs the position changed by the change instruction. The position after the input of such a change instruction is 111 in FIG.

  Further, it is assumed that the user inputs a change instruction for generating a new position at the position “96.50” on the screen of FIG. 10. Then, the second reception unit 222 receives such a change instruction.

  Then, the changing unit 27 acquires the position “96.50” corresponding to the change instruction. Next, the determination unit 26 acquires three pieces of constraint information. Next, the determination unit 26 determines that the acquired position “96.50” matches the three constraints indicated by the three constraint information. Further, the changing unit 27 calculates “96.50 + 2.00” by using “96.50” of the position information, and acquires the settlement condition “98.50”.

  Then, the position output unit 25 outputs the position changed by the change instruction. The position after the input of such a change instruction is 112 in FIG.

  Next, it is assumed that the user inputs a change instruction to delete the position “87.00” on the screen of FIG. Then, the second reception unit 222 receives such a change instruction.

  Next, the determination unit 26 determines that the acquired position “96.50” matches the three constraints indicated by the three constraint information. Then, the changing unit 27 deletes the position “87.00” corresponding to the change instruction.

  Next, it is assumed that the user has pressed the “Register” button 113 in FIG. Then, the terminal reception part 22 receives a registration instruction.

  Next, the terminal transmission unit 23 acquires the user identifier (here, “AAA”) stored in the terminal storage unit 21. And the terminal transmission part 23 acquires all the positions currently displayed on the screen of FIG. Here, all positions are “99.00”, “98.00”, “96.50”, “95.00”, “93.00”, “91.00”, “89.00”, “85.00”, “83”. .00 "," 81.00 ", and" 79.00 ". Then, the terminal transmission unit 23 transmits the 11 position information and the user identifier “AAA” to the financial information processing apparatus 1.

  Next, the reception unit 13 of the financial information processing device 1 receives the 11 position information and the user identifier from the terminal device 2. Then, the storage unit 15 stores the received 11 pieces of position information in the storage unit 11 in association with the received user identifier “AAA”.

  As described above, in the second specific example, two or more positions are presented based on the width information designated by the user in the first step, and a user-desired position can be finely set in the second step. Therefore, two or more positions of the financial product can be set easily and flexibly.

(Specific example 3)
It is assumed that one or two or more pieces of payment information are stored in the payment information storage unit 12 by the processing described in the specific example 2 and the like. Further, when the user inputs a plurality of positions, the payment information storage unit 12 may store one or more payment information.

  Further, it is assumed that the table in which one or more payment information is stored is the payment information management table shown in FIG. The settlement information management table stores one or more records having “ID”, “user identifier”, “position information”, and “settlement conditions”. The attribute “position information” includes two or more pieces of position information. Here, “settlement conditions” are conditions for selling financial products.

  In this situation, it is assumed that the settlement determination unit 18 determines that it is the timing for settlement because it is the business day of the financial product sales company and has reached 15:00. Here, it is assumed that the settlement timing is a business day of a financial product sales company preset in the financial information processing apparatus 1 and a predetermined time (15:00).

  Next, it is assumed that the present value information acquisition unit 17 has acquired the present value information “101.00” of the financial product from an external server device (not shown).

  Next, the settlement determination unit 18 acquires two or more pieces of position information of the first user “AAA” from the settlement information management table.

  Next, the settlement determination unit 18 determines that the settlement condition is satisfied using the acquired present value information “101.00” and the settlement condition “101.00” paired with the first position information. This is because the position indicated by the position information is not less than the value indicated by the present value information.

  Next, the settlement unit 19 performs a settlement process for the financial product with the present value information “101.00”. Here, the settlement processing of the financial product is processing for selling dollars and buying yen. Then, the settlement unit 19 deletes the record of the position information “99.00” of the user “AAA”.

  The above processing for settlement is performed on the position information of the second and subsequent users. For two or more pieces of position information of the second user “ABB”, the settlement determination unit 18 determines that the conditions for settlement are not satisfied using the present value information “101.00”, and the user “ABB” "Is not processed for payment. This is because “present value information“ 101.00 ”> position information“ 100.00 ”.

  Also, in response to each user, when the value of the financial product indicated by the present value information is the same as the value of the one position information or higher than the value of the one position information, the settlement judgment unit 18 decides to make a settlement. Then, the settlement unit 19 performs a settlement process for the financial product at the value indicated by the present value information.

  For example, when the value of the financial product indicated by the present value information is low enough to satisfy a predetermined generation condition, the position information generation unit 20 determines the position information having the lowest value among the position information included in the payment information. Generate one or more pieces of position information of low value. Here, for the first user “AAA”, if the value of the financial product indicated by the present value information is the same as “79.00”, which is the lowest value, or falls below “79.00”, position information generation is performed. The unit 20 generates position information “77.00”. The position information generation unit 20 calculates “79.00−2.00 = 77.00” using the width information “2.00” corresponding to the first user “AAA”. Here, the position information generation unit 20 may generate two or more pieces of position information (for example, “77.00”, “75.00”, “73.00”). The number of position information generated by the position information generation unit 20 does not matter. The number of pieces of position information generated by the position information generation unit 20 may always be a constant number such as one, or may vary according to present value information. Further, the position information generation unit 20 acquires a settlement condition in association with the generated position information, for example. The settlement condition is, for example, “value indicated by position information + 2.00”.

  For example, if the second user “ABB” has the same value as “80.00”, which is the lowest value of the financial product indicated by the present value information, or falls below “80.00”, the position information The generation unit 20 generates position information “77.00”, for example. The position information generation unit 20 calculates “80.00−3.00 = 77.00” using the width information “3.00” corresponding to the second user “ABB”. Further, the position information generation unit 20 acquires a settlement condition in association with the generated position information, for example. The settlement condition is, for example, “value indicated by position information + 3.00”.

  As described above, according to the present embodiment, the user can continue the transaction for a longer time by dynamically setting the position according to the change in the value of the financial product.

  Further, according to the present embodiment, one or more positions of financial products can be set easily and flexibly.

  Furthermore, according to the present embodiment, a position can be dynamically generated in accordance with a change in the value of a financial product.

  Note that the processing in the present embodiment may be realized by software. Then, this software may be distributed by software download or the like. Further, this software may be recorded and distributed on a recording medium such as a CD-ROM. This also applies to other embodiments in this specification. Note that the software that implements the financial information processing apparatus in the present embodiment is the following program. That is, in this program, the computer-accessible recording medium includes a settlement information storage unit that can store settlement information having one or more position information that is information related to the position of a financial product whose value may fluctuate. Determining whether or not the value indicated by the present value information satisfies a predetermined settlement condition, and a present value information acquiring unit that acquires present value information that is information related to the present value of the financial product A settlement determination unit that performs a settlement process that is a process for settlement of the financial product when the settlement determination unit determines that the value indicated by the present value information satisfies the settlement condition, When the value of the financial product indicated by the present value information satisfies a predetermined generation condition, position information generation that generates one or more position information Is a program for functioning as a part.

  Further, in the above program, the position information generation unit, when the value of the financial product indicated by the present value information is low enough to satisfy a predetermined generation condition, has the lowest value among the position information included in the payment information. When one or more pieces of position information having a lower value than the position information is generated, or when the value of the financial product indicated by the present value information is high enough to satisfy a predetermined generation condition, among the position information included in the settlement information, It is preferred that the computer further function as generating one or more position information of higher value than the highest value position information.

  In addition, in the above program, a reception unit that receives financial transaction information, which is information related to a transaction of a financial product, and a financial transaction in which the reception unit receives two or more positions of the financial product according to a change in the value of the financial product. It is preferable that the computer further function as a position calculation unit that calculates using information and a storage unit that stores payment information having two or more pieces of position information, which is information related to the two or more positions, in the payment information storage unit. It is.

  In the above program, the financial transaction information includes a volatility reference period, and the position calculation unit calculates a maximum fluctuation PIPS using the volatility reference period, and uses the maximum fluctuation PIPS to calculate 2 or 3 It is preferable to cause the computer to function as the above position calculation.

  In the above program, it is preferable to cause the computer to function on the assumption that the number of positions is constant regardless of changes in the value of the financial product.

(Embodiment 2)
In the present embodiment, a case where the processing in the first embodiment is realized as a stand-alone will be described.

  FIG. 13 is a block diagram of the financial information processing apparatus 3 in the present embodiment.

  The financial information processing apparatus 3 includes a storage unit 11, a payment information storage unit 12, a terminal reception unit 22, a position calculation unit 14, a storage unit 15, a present value information acquisition unit 17, a payment determination unit 18, a payment unit 19, and position information generation. Unit 20, terminal output unit 25, determination unit 26, and change unit 27.

  Next, operation | movement of the financial information processing apparatus 3 is demonstrated using the flowchart of FIG. In the flowchart of FIG. 14, the description of the same steps as those in the flowchart of FIG. 3 or FIG. 7 is omitted.

  (Step S1401) It is determined whether one or more financial transaction information has been received from the user. If one or more financial transaction information is accepted, the process proceeds to step S302. If one or more financial transaction information is not accepted, the process proceeds to step S706.

  (Step S1402) The terminal output unit 25 outputs the two or more pieces of position information configured in Step S305. The process returns to step S301.

  (Step S1403) The accumulation unit 15 accumulates two or more pieces of position information in the settlement information storage unit 12. The process returns to step S301.

  In the flowchart of FIG. 14, the process is terminated by powering off or a process termination interrupt.

  The operation of the financial information processing apparatus 3 is different from the operation of the financial information processing system in the first embodiment only in that processing is performed in a stand-alone manner. Therefore, the operation of the financial information processing apparatus 3 in the present embodiment is specific. Description of typical operations is omitted.

  As described above, according to the present embodiment, complicated settlement processing of financial products can be easily performed.

  Further, according to the present embodiment, one or more positions of financial products can be set easily and flexibly.

  Furthermore, according to the present embodiment, a position can be generated flexibly according to a change in the value of a financial product.

  Note that the software that implements the information processing apparatus according to the present embodiment is the following program. That is, in this program, the recording medium includes a settlement information storage unit that can store settlement information having one or more position information that is information on the position of the financial product whose value may fluctuate, A present value information acquisition unit that acquires present value information that is information on the present value of the financial product, and a settlement determination unit that determines whether or not the value indicated by the present value information satisfies a predetermined settlement condition A settlement unit that performs a settlement process that is a process for settlement of the financial product when the settlement determination unit determines that the value indicated by the present value information satisfies the settlement condition, and the present value information When the value of the financial product indicated by satisfies the generation conditions determined in advance, the function for functioning as a position information generation unit that generates one or more position information Is a program.

  Further, in the above program, the position information generation unit, when the value of the financial product indicated by the present value information is low enough to satisfy a predetermined generation condition, has the lowest value among the position information included in the payment information. When one or more pieces of position information having a lower value than the position information is generated, or when the value of the financial product indicated by the present value information is high enough to satisfy a predetermined generation condition, among the position information included in the settlement information, It is preferred that the computer further function as generating one or more position information of higher value than the highest value position information.

  In addition, in the above program, a reception unit that receives financial transaction information, which is information related to a transaction of a financial product, and a financial transaction in which the reception unit receives two or more positions of the financial product according to a change in the value of the financial product. It is preferable that the computer further function as a position calculation unit that calculates using information and a storage unit that stores payment information having two or more pieces of position information, which is information related to the two or more positions, in the payment information storage unit. It is.

  In the above program, the financial transaction information includes a volatility reference period, and the position calculation unit calculates a maximum fluctuation PIPS using the volatility reference period, and uses the maximum fluctuation PIPS to calculate 2 or 3 It is preferable to cause the computer to function as the above position calculation.

  FIG. 15 shows the external appearance of a computer that executes the programs described in this specification to realize the financial information processing apparatus according to various embodiments described above. The above-described embodiments can be realized by computer hardware and a computer program executed thereon. FIG. 15 is an overview of the computer system 300, and FIG. 16 is a block diagram of the system 300.

  In FIG. 15, a computer system 300 includes a computer 301 including a CD-ROM drive, a keyboard 302, a mouse 303, and a monitor 304.

  In FIG. 16, a computer 301 includes an MPU 3013, a bus 3014, a ROM 3015, a RAM 3016, and a hard disk 3017 in addition to the CD-ROM drive 3012. The bus 3014 is connected to the MPU 3013 and the CD-ROM drive 3012. The ROM 3015 stores a program such as a bootup program. The RAM 3016 is connected to the MPU 3013 and temporarily stores application program instructions and provides a temporary storage space. The hard disk 3017 is for storing application programs, system programs, and data. Although not shown here, the computer 301 may further include a network card that provides connection to a LAN.

  A program that causes the computer system 300 to execute the functions of the financial information processing apparatus according to the above-described embodiment may be stored in the CD-ROM 3101, inserted into the CD-ROM drive 3012, and further transferred to the hard disk 3017. Alternatively, the program may be transmitted to the computer 301 via a network (not shown) and stored in the hard disk 3017. The program is loaded into the RAM 3016 at the time of execution. The program may be loaded directly from the CD-ROM 3101 or the network.

  The program does not necessarily include an operating system or a third-party program that causes the computer 301 to execute the functions of the financial information processing apparatus according to the above-described embodiment. The program only needs to include an instruction portion that calls an appropriate function (module) in a controlled manner and obtains a desired result. How the computer system 300 operates is well known and will not be described in detail.

  In the above program, in the step of transmitting information, the step of receiving information, etc., processing performed by hardware, for example, processing performed by a modem or an interface card in the transmitting step (only performed by hardware). Not included).

  Further, the computer that executes the program may be singular or plural. That is, centralized processing may be performed, or distributed processing may be performed.

  Further, in each of the above embodiments, it goes without saying that two or more communication units existing in one apparatus may be physically realized by one medium.

  In each of the above embodiments, each process (each function) may be realized by centralized processing by a single device (system), or by distributed processing by a plurality of devices. May be.

  The present invention is not limited to the above-described embodiments, and various modifications are possible, and it goes without saying that these are also included in the scope of the present invention.

  As described above, the financial information processing apparatus according to the present invention has an effect of easily performing complicated settlement processing of financial products, and is useful as a financial information processing apparatus or the like.

DESCRIPTION OF SYMBOLS 1, 3 Financial information processing apparatus 2 Terminal apparatus 11 Storage part 12 Settlement information storage part 13 Reception part 14 Position calculation part 15 Accumulation part 16 Transmission part 17 Present value information acquisition part 18 Settlement judgment part 19 Settlement part 21 Terminal storage part 22 Terminal Reception unit 23 Terminal transmission unit 24 Terminal reception unit 25 Terminal output unit 25 Position output unit 26 Judgment unit 27 Change unit 221 First reception unit 222 Second reception unit 223 Third reception unit

Claims (9)

A settlement information storage unit capable of storing one or more position information, which is information about positions of financial products whose values may fluctuate;
A present value information acquisition unit for acquiring present value information which is information on the present value of the financial product;
A payment determination unit that determines whether or not the value indicated by the present value information satisfies a predetermined payment condition associated with the position information stored in the payment information storage unit;
A settlement unit that performs a settlement process that is a process for settlement of the financial product when the settlement determination unit determines that the value indicated by the present value information satisfies the settlement condition;
When the value of the financial product indicated by the present value information is low enough to satisfy a predetermined generation condition, one of the position information stored in the settlement information storage unit has a value lower than the position information having the lowest value. When the position information is generated or when the value of the financial product indicated by the present value information is high enough to satisfy a predetermined generation condition, the position information stored in the settlement information storage unit is the highest. A financial information processing apparatus comprising: a position information generating unit that generates one or more pieces of position information having a higher value than position information having a value and stores the generated one or more pieces of position information in the settlement information storage unit. A reception unit for receiving financial transaction information, which is information related to transactions of financial products;
A position calculating unit that calculates two or more positions of the financial product using the financial transaction information received by the receiving unit according to a change in the value of the financial product;
The financial information processing apparatus according to claim 1, further comprising an accumulation unit that accumulates two or more pieces of position information, which is information relating to the two or more positions, in the settlement information storage unit. The financial transaction information is:
Including a volatility reference period,
The position calculation unit
The financial information processing apparatus according to claim 2, wherein a maximum fluctuation PIPS is calculated using the volatility reference period, and two or more positions are calculated using the maximum fluctuation PIPS. The position information generation unit
When C position information (C is 1 or more) of lower value than the position information of the lowest value is generated, C position information of the upper value including the position information of the highest value is deleted, or When C position information of higher value than the position information of higher value is generated, by deleting the C position information of lower value including the position information of the lowest value,
Wherein regardless of variations in the value of financial instruments, the number of positions financial information processing apparatus according to any one of claims claims 1 to 3, constant. The financial information processing apparatus according to claim 1, wherein the financial product is FX. The financial transaction information is:
The financial information processing apparatus according to claim 2, wherein the financial information processing apparatus includes currency pairs, target asset information that is information indicating the target asset, and currency unit information. Each of the two or more pieces of position information is associated with a settlement condition,
The settlement determination unit
Of the two or more pieces of position information, position information satisfying a settlement condition is determined,
The settlement unit
The financial information processing apparatus according to claim 1, wherein a settlement process is performed on the position information determined by the settlement determination unit. The recording medium includes a settlement information storage unit that can store one or more position information that is information related to the position of the financial product whose value may fluctuate.
A financial information processing method that can be realized by a present value information acquisition unit, a payment determination unit, a payment unit, and a position information generation unit,
The present value information acquisition unit acquires present value information that is information related to the present value of the financial product;
A settlement determination step in which the settlement determination unit determines whether or not the value indicated by the present value information satisfies a predetermined settlement condition associated with the position information stored in the settlement information storage unit; ,
A settlement step for performing a settlement process that is a process for the settlement of the financial product when the settlement unit determines that the value indicated by the present value information satisfies the settlement condition in the settlement determination step;
When the position information generation unit is low enough that the value of the financial product indicated by the present value information satisfies a predetermined generation condition, the position information generation unit has the lowest value among the position information stored in the settlement information storage unit. Positions stored in the settlement information storage unit when one or more pieces of position information having a lower value than the position information are generated, or when the value of the financial product indicated by the present value information is high enough to satisfy a predetermined generation condition A position information generating step of generating one or more pieces of position information having a higher value than position information having the highest value in the information, and storing the generated one or more pieces of position information in the settlement information storage unit; Information processing method. The computer-accessible recording medium includes a settlement information storage unit that can store one or more position information that is information related to the position of a financial product whose value may fluctuate.
Computer
A present value information acquisition unit for acquiring present value information which is information on the present value of the financial product;
A payment determination unit that determines whether or not the value indicated by the present value information satisfies a predetermined payment condition associated with the position information stored in the payment information storage unit;
A settlement unit that performs a settlement process that is a process for settlement of the financial product when the settlement determination unit determines that the value indicated by the present value information satisfies the settlement condition;
When the value of the financial product indicated by the present value information is low enough to satisfy a predetermined generation condition, one of the position information stored in the settlement information storage unit has a value lower than the position information having the lowest value. When the position information is generated or when the value of the financial product indicated by the present value information is high enough to satisfy a predetermined generation condition, the position information stored in the settlement information storage unit is the highest. A program for generating one or more pieces of position information having a higher value than position information having a value and causing the generated one or more pieces of position information to function as a position information generation unit that accumulates in the settlement information storage unit.

Images