JP6147156B2 - Server apparatus, financial product transaction method, and program - Google Patents

Description

  The present invention relates to a server device or the like that performs transactions of financial products.

  Conventionally, there has been a foreign exchange margin transaction server that easily grasps the transaction content of FX, which is one of financial products (see Patent Document 1). Upon receiving a transaction status confirmation information transmission request from the customer terminal, the foreign exchange margin trading server obtains the current exchange rate, obtains the user's margin amount and transaction amount, and maintains the margin based on these. The rate and the leverage ratio are calculated, and the transaction status confirmation information including the margin maintenance ratio and the leverage ratio is transmitted to the customer terminal. Then, the customer terminal displays a transaction status confirmation screen based on the transaction status confirmation information from the foreign exchange margin transaction server.

JP 2009-217796 A (first page, FIG. 1 etc.)

  However, in the conventional technology, it has not been possible to easily conduct transactions for financial products with extremely low risk for the user.

  The server device according to the first aspect of the invention is an instruction to purchase or sell a financial product whose value fluctuates, an instruction to purchase or sell a financial product based on the first value, and a settlement with a predetermined time limit A server receiving unit that receives a user order, which is an instruction to settle when the deadline is reached, from a terminal device, and a current value acquisition unit that acquires the present value that is the value of the financial product when the settlement deadline corresponding to the user order indicates And the first value and the present value of the financial product corresponding to the user order, and a judgment unit that judges whether or not the user is profitable; And a settlement unit that performs settlement based on value.

  With this configuration, it is possible to easily perform transactions for financial products that have extremely low risk for the user.

  In the server device of the second invention, in contrast to the first invention, when the determination unit determines that the user loses the payment unit, the determination unit determines that the user gains Is a server device that performs different payments.

  With this configuration, it is possible to easily perform transactions for financial products that have extremely low risk for the user.

  The server device according to the third aspect of the invention provides option information, which is information related to options corresponding to the user order, in response to the server receiving unit receiving the user order with respect to the first or second invention. The server device further comprises an option purchasing unit configured to purchase options that can be exercised at the time of settlement due to user orders by transmitting option information to the second server device.

  With this configuration, it is possible to easily reduce the risk of a financial product trader.

  The server device according to the fourth aspect of the present invention provides the corresponding order information which is information related to the order corresponding to the user order when the server receiving unit accepts the user order with respect to any one of the first to third aspects of the invention. And a corresponding order processing unit that purchases or sells financial products equivalent to user orders by transmitting corresponding order information to the second server device or the third server device.

  With this configuration, it is possible to easily reduce the risk of a financial product trader.

  The server device according to the fifth aspect of the present invention uses a fee information storage unit that can store fee information, which is information related to a fee for a user order, and the fee information, for any of the first to fourth aspects of the invention. The server device further includes a fee settlement unit that settles a fee for the user order.

  With this configuration, it is possible to easily secure the profit of the financial product trader.

  The server device according to the sixth aspect of the present invention provides the server apparatus according to any one of the first to fifth aspects, wherein the server receiving unit issues a settlement instruction that is an instruction to perform settlement from the terminal device at a time before the settlement deadline. The present value acquisition unit can receive the present value, which is the value of the financial product at the time when the payment instruction is received, when the server reception unit receives the payment instruction from the terminal device at a time before the payment deadline. The settlement unit is a server device that performs settlement based on the present value acquired by the present value acquisition unit in response to receiving the settlement instruction.

  With such a configuration, it is possible to trade user-friendly financial products.

  Further, in the server device of the seventh invention, in contrast to any one of the first to sixth inventions, the user order has two or more predetermined settlement deadlines, and two or more discontinuous in time This is a server device having settlement deadline information which is information of one settlement deadline selected from among the settlement deadlines.

  With this configuration, a large number of orders can be processed with a small load.

  In the server device of the eighth invention, the user order is n (n is a natural number greater than or equal to 1) times the basic unit of transaction of the financial product, as compared with any one of the first to seventh inventions. A server that includes order quantity information indicating that the quantity is ordered, and the settlement unit performs settlement based on the present value for the order quantity indicated by the order quantity information when the determination unit determines that the user obtains the order. Device.

  With this configuration, a large number of orders can be processed with a small load.

  Further, in the server device of the ninth aspect of the invention, in the second to eighth aspects of the invention, the option purchase unit configures option information corresponding to the user order in synchronization with the reception of the user order, A server device that transmits option information to the second server device.

  With this configuration, options can be purchased with certainty.

  Further, in the server device of the tenth aspect of the invention, in the second to eighth aspects of the invention, the option purchase unit configures option information corresponding to the user order asynchronously with the reception of the user order, A server device that transmits option information to the second server device.

  With this configuration, a large number of options can be purchased with a small load.

  In addition, the server device of the eleventh aspect of the invention further includes a fee calculation unit that calculates a fee for a user order and acquires fee information that is information relating to the fee for any of the fourth to tenth aspects of the invention. The fee information in the fee information storage unit is a server device that is the fee information acquired by the fee calculation unit.

  With this configuration, the fee can be easily calculated.

  Further, according to the twelfth aspect of the present invention, in the eleventh aspect of the invention, the fee calculation unit calculates a fee for the user order continuously or periodically, with information on the fee. It is a server device that acquires certain fee information.

  With this configuration, an appropriate fee can be easily calculated as appropriate.

  Further, in the server device of the thirteenth invention, for the eleventh or twelfth invention, the fee calculation unit calculates a fee by an increasing function using a period corresponding to the settlement deadline as a parameter, This is a server device that acquires fee information, which is information about fees.

  With this configuration, an appropriate fee can be easily calculated.

  In the server device according to the fourteenth aspect of the present invention, it is preferable that the financial product is a server device that is a foreign exchange transaction as compared with any of the first to thirteenth inventions.

  With this configuration, it is possible to trade financial products within the range of funds secured by the user.

  According to the server device of the present invention, it is possible to easily perform transactions for financial products with extremely low risk for the user.

Conceptual diagram of financial product transaction system 1 in the first embodiment Block diagram of the financial product transaction system 1 A flowchart for explaining main operations of the server device 12 Flowchart explaining the fee processing Flowchart explaining the settlement deadline process Figure showing margin information management table Figure showing the fee information management table Figure showing the position management table Figure showing the option management table The figure which shows the example of a screen of the financial product transaction Overview of the computer system Block diagram of the computer system

  Hereinafter, embodiments of a server device 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, when a user order, which is a purchase instruction for purchasing a financial product from a user's terminal device and is a purchase instruction for a financial product indicating that payment is made within a predetermined time limit, is received A financial product transaction system that can suppress the user's risk even if the user has lost money will be described.

  In the present embodiment, a financial product transaction system for purchasing an option when a user order is received will be described. In such a case, the server device constituting the financial product transaction system purchases options for the second server device (for example, a foreign bank server device) synchronously or asynchronously with the reception of the financial product purchase instruction. Send instructions.

  Further, in the present embodiment, a financial product transaction system that purchases or sells the same financial product as the user order when the server device receives the user order will be described.

  Further, in the present embodiment, a financial product transaction system that can be settled by a user instruction before a predetermined time limit will be described.

  Further, in the present embodiment, a financial product transaction system that automatically calculates a fee corresponding to the operation of an intermediary server device will be described.

  FIG. 1 is a conceptual diagram of a financial product transaction system 1 in the present embodiment. The financial product transaction system 1 includes one or more terminal devices 11, a server device 12, and one or more second server devices 13. Moreover, the financial product transaction system 1 may include a third server device (not shown).

  The terminal device 11 is a user terminal device, and is a so-called personal computer, smartphone, notebook computer, tablet terminal, mobile phone, or the like, and the type thereof is not limited. The terminal device 11 only needs to be able to transmit an instruction to buy and sell financial products. The user is a so-called investor or the like. The server device 12 is a trader who handles financial products, is a broker's server, and may be called a broker's server. Moreover, the 2nd server apparatus 13 is a server which performs an option transaction, for example, is a server of an outside bank. The second server device 13 may function as a server that handles financial products. In addition, the owner of the server apparatus 12, an installation location, etc. are not ask | required.

  FIG. 2 is a block diagram of the financial product transaction system 1 in the present embodiment.

  The terminal device 11 includes a terminal reception unit 111, a terminal processing unit 112, a terminal transmission unit 113, a terminal reception unit 114, and a terminal output unit 115.

  The server device 12 includes a server storage unit 1200, a margin information storage unit 1201, a fee information storage unit 1202, an order information storage unit 1203, a server reception unit 1204, a corresponding order processing unit 1205, an option purchase unit 1206, a fee calculation unit 1207, A fee settlement unit 1208, a present value acquisition unit 1209, a determination unit 1210, a settlement unit 1211, a server processing unit 1212, and a server transmission unit 1213 are provided.

  The second server device 13 includes a second storage unit 131, a second reception unit 132, a second processing unit 133, and a second transmission unit 134.

  The terminal reception unit 111 constituting the terminal device 11 receives instructions and information from the user. The instruction is, for example, a user order. A user order is an instruction to purchase or sell a financial product whose value fluctuates. It can also be said that the user order is an instruction to purchase or sell a financial product based on the first value. In addition, the user order is usually an instruction to make a payment when a payment deadline which is a predetermined deadline is reached. Further, the user order may be an indication of intention to purchase or sell a financial product, for example, an instruction to purchase 1 dollar for 100 yen. The financial products are currency, foreign currency, stocks, government bonds, corporate bonds, foreign currency MMF, foreign exchange transactions (FX), gold, futures transactions, forward transactions, etc., and their types are not limited. The first value is usually the value of the financial product when the user orders the financial product, and is the unit price of the financial product. The unit price is, for example, a rate in the case of currency exchange. However, the first value may be not the unit price but the entire value of the financial product considering the quantity ordered by the user. For example, if the first value is a rate (unit price) and 1 dollar is a rate of 100 yen, if the user order is an instruction to purchase dollars in yen, the first value is 100 yen. In addition, when the first value is the value of the entire financial product and the rate is 100 yen per dollar, for example, if the user order is an instruction to purchase 2 dollars at 200 yen, the value of 2 dollars at that time A certain 200 yen is the first value. When the first value is the unit price of the financial product, the present value described later is also the unit price of the financial product. When the first value is the entire value of the financial product, the present value described later is also the entire value of the financial product. The user order is, for example, an order for selling or buying a position. Note that a position is a currency or stock that has been unsettled after trading, or the quantity thereof. Further, the position means open interest and position, and it may be considered as open interest status such as what kind of open interest or what open interest the investor uses for securities or options.

  The settlement deadline is usually specified by information indicating a period from the present, information indicating a settlement date, information indicating a settlement date and the like, and the like. In addition, the “settlement deadline that is a predetermined deadline” means that the settlement deadline has been determined at least temporarily when the financial product is ordered. Note that the payment deadline may be changed.

  The user order includes, for example, a financial product identifier, settlement deadline information, trade type information, order quantity information, and the like. The financial product identifier is information for identifying the financial product, and may be an identifier for identifying the financial product, a financial product name, or the like. Further, the payment deadline information is information indicating the date and time of payment (for example, January 1, 2014), information indicating a period in which payment is performed from the current time (for example, one week, one month, six months, etc.), etc. It is. The payment deadline information is two or more predetermined payment deadlines, and is preferably information on one payment deadline selected from two or more payment deadlines that are discontinuous in time. The trade type information is “buy” or “sell”. “Buy” is, for example, “1”, and “sell” is, for example, “0”. The order quantity information is information indicating the quantity of the order, and is, for example, an amount (for 10,000 yen), a number for the transaction unit quantity (1) (n (n is a natural number of 1 or more)), and the like. The transaction unit amount is, for example, a predetermined minimum amount of transaction such as 1,000,000 yen or $ 10,000.

  The instruction received by the terminal receiving unit 111 is, for example, a settlement instruction. The payment instruction is an instruction indicating that payment is performed at a time before a predetermined payment deadline when the user orders a financial product. The settlement instruction usually includes information identifying the transaction. The information that identifies the transaction is, for example, a user order identifier that identifies the user order.

  In addition, the instruction received by the terminal reception unit 111 is, for example, an instruction to access a web page for performing a transaction of a financial product.

  The information received by the terminal receiving unit 111 is, for example, a financial product identifier, settlement deadline information, trade type information, order quantity information, a user order identifier, a user identifier for identifying a user, and the like. The user identifier is, for example, an ID for identifying the user, a name, or an ID of the terminal device 11. The ID of the terminal device 11 is, for example, the MAC address or IP address of the terminal device 11.

  Further, the above reception means reception of information input from an input device such as a keyboard, mouse, touch panel, reception of information transmitted via a wired or wireless communication line, an optical disk, a magnetic disk, a semiconductor memory, etc. It is a concept including reception of information read from a recording medium.

  The input means such as instructions and information may be anything such as a keyboard, mouse, touch panel or menu screen. The terminal reception unit 111 can be realized by a device driver of an input unit such as a keyboard, menu screen control software, or the like.

  The terminal processing unit 112 performs processing according to the instruction and information received by the terminal receiving unit 111. The terminal processing unit 112 configures an instruction to be transmitted to the server device 12 using, for example, the instruction or information received by the terminal receiving unit 111. For example, the terminal processing unit 112 configures a user order using information received by the terminal receiving unit 111 (for example, information including financial product identifiers, settlement time limit information, and order quantity information). In addition, the terminal processing unit 112 configures a fee inquiry instruction using, for example, information received by the terminal receiving unit 111 (for example, information including financial product identifier, settlement time limit information, and order quantity information). The terminal processing unit 112 may perform processing unrelated to the instructions and information received by the terminal receiving unit 111. In addition, the process which the terminal process part 112 performs is not ask | required.

  The terminal transmission unit 113 transmits the instruction configured by the terminal processing unit 112 to the server device 12. The terminal transmission unit 113 transmits, for example, a user order, a fee inquiry instruction, a payment instruction, and the like to the server device 12. The terminal transmission unit 113 may be considered to transmit the instruction received by the terminal reception unit 111 to the server device 12.

  The terminal reception unit 114 receives information from the server device 12 in response to transmission of an instruction or the like in the terminal transmission unit 113. The information received by the terminal reception unit 114 is, for example, information indicating that processing corresponding to transmission of an instruction or the like in the terminal transmission unit 113 has been completed in the server device 12. More specifically, the received information includes, for example, information indicating that the purchase or sale of the financial product corresponding to the user order has been completed, information indicating that the payment has been completed, information regarding the fee paid by the user, and the user's profit. Or information indicating loss or the like.

  The terminal output unit 115 outputs information received by the terminal receiving unit 114. Here, the output 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 devices and others This is a concept that includes delivery of processing results to other programs.

  The server storage unit 1200 constituting the server device 12 can store a web page or the like for performing a transaction of financial products. The server storage unit 1200 may store other information. The other information is, for example, the latest information on the foreign exchange rate received by the server receiving unit 1204 described later, the latest information on the premium, and the like.

  The margin information storage unit 1201 can store margin information indicating the margin in association with the user. The margin information is, for example, 100,000 yen or 500,000 yen. The margin information storage unit 1201 stores, for example, one or more records having a user identifier and margin information.

  The fee information storage unit 1202 can store fee information. Fee information is information relating to fees for user orders. The fee information is, for example, the fee itself. The fee information is, for example, a fee calculation formula indicating a calculation formula for calculating a fee. The fee calculation formula is, for example, an increase function (a function for calculating a larger value as the period is longer) having a period corresponding to the settlement deadline as a parameter. The fee calculation formula is, for example, an increasing function using the order quantity information as a parameter. Further, the fee calculation formula is a function having parameters such as a period corresponding to the settlement deadline, trade type information, order quantity information, and the like. The fee information is, for example, a premium. The premium is a value given to the option right (the right to buy or sell). The premium is information used to calculate a fee, for example.

  The order information storage unit 1203 can store at least temporarily one or more pieces of order information. The order information is information related to the received user order. The order information may be the same information as the corresponding order information described later. The order information is information related to the transaction of the financial product. The order information includes, for example, a user identifier, a user order reception date and time, a financial product identifier, settlement deadline information, trade type information, order quantity information, and the like. The order information storage unit 1203 may store option information regarding purchased options. The option information includes, for example, an option identifier, a financial product identifier, trade type information, order quantity information, settlement deadline information, purchase date and time, exercise price information, and the like. The exercise price information is information indicating a price when the option is exercised. The exercise price information is usually information on a unit price at the time of exercising the option. The exercise price information is the same as the unit price of the first value, for example. However, the exercise price information may be higher or lower than the unit price of the first value, for example. Further, the exercise price information may be information indicating an amount in consideration of the order quantity indicated by the order quantity information.

  The server reception unit 1204 receives user orders from the terminal device 11. The server reception unit 1204 may receive a settlement instruction. The server reception unit 1204 may receive other instructions and information from the terminal device 11. The server reception unit 1204 may receive the latest information on the foreign exchange rate. The server reception unit 1204 may receive the latest premium information. The server reception unit 1204 may receive the latest information on the foreign exchange rate and the latest information on the premium from the second server device 13 or may be received from a third server device which is another server device. In addition, the server reception unit 1204 may receive information indicating that the option exercising process has been completed from the second server device 13.

  When the server receiving unit 1204 receives a user order, the corresponding order processing unit 1205 configures corresponding order information, and transmits the corresponding order information to the second server device 13 or the third server device (not shown). The processing of the corresponding order processing unit 1205 is processing for purchasing or selling financial products equivalent to user orders. The corresponding order processing unit 1205 preferably stores the configured corresponding order information in the order information storage unit 1203. The third server device is a device that is not the server device 12 and the second server device 13. Corresponding order information is information relating to orders corresponding to user orders. The corresponding order processing unit 1205 configures the corresponding order information using the user order. The corresponding order information is information indicating the same type of order as the user order. In addition, the user order and the corresponding order information are usually the same information as the financial product identifier, the trade type information, and the order quantity information that they have. For example, when the user order is an order for purchasing 1 dollar for 100 yen, the corresponding order information also includes information indicating an order for purchasing 1 dollar for 100 yen. For example, when the user order is an order that sells 1 dollar for 100 yen, the corresponding order information may be information on an order for selling 1 dollar. However, the conditions for the user order and the corresponding order information may be different. For example, when the user order is 100 yen and purchases 1 dollar, the corresponding order information may be information on an order to purchase 1 dollar at 95 yen.

  The third server device includes a third server reception unit, a third processing unit, and a third transmission unit. The third server receiving unit receives instructions such as corresponding order instructions, information, and the like from the server device 12. The third processing unit performs processing for purchasing or selling the financial product corresponding to the received corresponding order instruction. With this processing, the server device 12 can purchase a financial product equivalent to the user order.

  In response to the server receiving unit 1204 receiving the user order, the option purchasing unit 1206 configures option information that is information related to the option corresponding to the user order, and transmits the option information to the second server device 13. The process of the option purchase unit 1206 is a process of purchasing an option that can be exercised at the time of settlement due to a user order. Note that the option purchasing unit 1206 preferably stores the configured option information in the order information storage unit 1203. The option purchasing unit 1206 may accumulate option information in association with user order information, or may accumulate information without associating with user order information.

  The option purchasing unit 1206 may configure option information corresponding to the user order in synchronization with the reception of the user order, and transmit the option information to the second server device 13. Further, the option purchase unit 1206 may configure option information corresponding to the user order asynchronously with reception of the user order, and transmit the option information to the second server device 13. Asynchronous means that the option purchase unit 1206 does not immediately transmit option information to the second server device 13 in response to reception of the user order. Asynchronous means that, for example, the option purchase unit 1206 configures option information corresponding to the user order in response to reception of the user order, temporarily stores it in a buffer (not shown), and stores the stored one or more option information Are transmitted to the second server device 13 periodically (for example, once an hour) or irregularly (with a time interval).

  Here, the option is a right to trade a specific product (underlying asset) at a contract price (strike price) decided at the present time on a predetermined date. The option information usually includes settlement deadline information. That is, the option information is, for example, information indicating the right to sell 1 dollar for 100 yen at the time of settlement.

  The fee calculation unit 1207 calculates a fee for the user order, and acquires fee information that is information about the fee. The fee calculation unit 1207 may continuously calculate a fee for a user order and acquire fee information. Note that “continuously” means that it is continued periodically or non-periodically.

  It is preferable that the fee calculation unit 1207 normally calculates the fee using the above-described fee calculation formula and obtains fee information.

  The fee settlement unit 1208 uses the fee information to settle the fee for the user order. The fee settlement unit 1208 preferably settles the fee for the user order using the fee information within the margin range indicated by the margin information stored in the margin information storage unit 1201. Here, the settlement processing is, for example, processing for subtracting the fee amount from the margin and writing the result to a recording medium in which the margin is stored. Further, the fee settlement unit 1208 may settle the fee using the credit card number corresponding to the user of the terminal device 11 that has transmitted the user order. The settlement process may be any process. Since the settlement process is a known technique, a detailed description is omitted.

  The present value acquisition unit 1209 acquires the present value that is the value of the financial product at the time indicated by the payment deadline when the payment deadline corresponding to the user order received by the server reception unit 1204 is reached. Note that the present value may be the unit price (for example, the rate, the price of one share, etc.) of the financial product, or the entire value of the financial product purchased by the user, like the first value.

  The present value acquisition unit 1209 acquires the present value that is the value at the time indicated by the payment deadline when the payment deadline indicated by the payment deadline information included in the order information stored in the order information storage unit 1203 is reached. good. That is, the present value is usually the total value of the financial product corresponding to the user order (value corresponding to the order quantity information), but may be the unit price of the financial product.

  The present value acquisition unit 1209 uses, for example, the unit price of the present value, which is the value at the time indicated by the settlement deadline information included in the user order, of the financial product corresponding to the financial product identifier and the trade type information included in the user order. Received from the device 13 or the third server device. Then, the present value acquisition unit 1209 calculates the present value (total amount) corresponding to the quantity indicated by the order quantity information included in the user order, using the unit price of the present value received from the second server device 13 or the third server device. To do. The present value acquisition unit 1209 normally acquires the present value by “present value of financial product = unit price of present value × quantity indicated by order quantity information”. The present value acquisition unit 1209 may read the unit price of the financial product stored in the server device 12.

  Also, the present value acquisition unit 1209, when the server reception unit 1204 receives a settlement instruction from the terminal device 11 at a time before the settlement deadline, present value that is the value of the financial product at the time when the settlement instruction is received. You may get Note that the time when a settlement instruction is received has the same meaning as when the settlement instruction is transmitted.

  The determination unit 1210 compares the first value of the financial product corresponding to the user order with the present value, and determines whether or not the user can obtain a profit. Here, the determination unit 1210 normally determines that the user normally gains when “first value <present value”. However, the determination unit 1210 may determine that the user is profitable when “first value <= present value”. Further, the determination unit 1210 may determine whether or not the user will gain in consideration of the fee. The determination unit 1210 may determine that the user usually loses when “first value> present value”. However, the determination unit 1210 may determine that the user loses when “first value> = present value”. Further, the determination unit 1210 may determine whether or not to make a loss in consideration of the fee.

  The settlement unit 1211 performs settlement based on the present value when the determination unit 1210 determines that the user obtains. When the determination unit 1210 determines that the user loses, the payment unit 1211 performs a payment different from the case where the determination unit 1210 determines that the user gains. For example, the settlement unit 1211 does not perform settlement based on the present value when the determination unit 1210 determines that the user loses. Note that the settlement based on the present value refers to obtaining an amount corresponding to the present value and making a settlement with the amount when buying or selling a financial product. Moreover, it is preferable that the settlement unit 1211 performs settlement based on the present value acquired by the present value acquisition unit 1209 in response to receiving the settlement instruction. In addition, for example, when the determination unit 1210 determines that the user loses, the settlement unit 1211 determines the present value for only a part of the order quantity indicated by the order quantity information included in the user order. You may make the payment based on. It should be noted that the proportion and amount may be fixedly determined and may differ depending on the settlement period, order amount information, and the like.

  In addition, the settlement unit 1211 performs settlement based on the present value for the order amount indicated by the order amount information when the determination unit 1210 determines that the user obtains.

  Further, it is preferable that the settlement unit 1211 does not perform settlement when the margin indicated by the margin information is less than the fee indicated by the fee information. Here, in order not to make a settlement, a process that normally does not accept user orders is performed. However, it is also possible to accept the user order and perform the settlement processing if a margin corresponding to the fee is inserted by the time of settlement. It is preferable that at least a margin more than the fee must be present at the time of settlement.

  The server processing unit 1212 reads a web page stored in the server storage unit 1200. Further, for example, the server processing unit 1212 preferably configures order information from the user order received by the server receiving unit 1204 and accumulates the order information in the order information storage unit 1203. In addition, the server processing unit 1212 may accumulate, for example, the latest information on the foreign exchange rate received by the server receiving unit 1204, the latest information on the premium, and the like in the server storage unit 1200. The server processing unit 1212 may accumulate in the order information storage unit 1203 information indicating that the option exercise processing has been completed.

  The server transmission unit 1213 performs various transmission processes. For example, the server transmission unit 1213 transmits the web page read by the server processing unit 1212 to the terminal device 11 that has transmitted a web page transmission instruction. The server processing unit 1212 composes an error message and transmits the error message to the terminal device 11, for example, when there is an error relating to a financial product transaction instruction. For example, the server transmission unit 1213 transmits an instruction for transmitting the exchange rate information to the second server device 13 when the exchange rate inquiry timing comes. Further, the server transmission unit 1213 transmits, to the second server device 13, for example, an instruction to transmit premium information when the premium inquiry timing comes. For example, the server transmission unit 1213 may transmit the calculated fee to the terminal device 11.

  The 2nd storage part 131 which the 2nd server apparatus 13 comprises can store various information. The various information is, for example, option purchase information transmitted from the server device 12. The various types of information are information indicating that the option has been exercised. The various types of information include the present value of financial products, information on changes in value including the present value of financial products, and the like.

  The second receiving unit 132 receives instructions, information, and the like from the server device 12. Here, the instructions, information, and the like are an option purchase instruction that is an instruction to purchase an option, a corresponding order instruction that is an instruction (offer) for purchasing or selling a financial product equivalent to a user order, and the like. The option purchase instruction includes, for example, a financial product identifier, settlement deadline information, trade type information, order quantity information, strike price information, and the like. The exercise price information is information indicating the price when the option is exercised. The exercise price information is usually information on a unit price at the time of exercising the option. That is, for example, when the option is the right to purchase 1 dollar for 100 yen when the settlement deadline is reached, the exercise price is “100 yen / 1 dollar”. The option exercise instruction usually has an option identifier that identifies the option. The corresponding order instruction includes, for example, a financial product identifier, settlement deadline information, trade type information, order quantity information, and the like.

  The second processing unit 133 performs processing according to the instruction, information, etc. received by the second receiving unit 132. When the instruction received by the second receiving unit 132 is an option purchase instruction, the second processing unit 133 performs processing for accepting option purchase. In this process, for example, an option identifier is generated, and option information that is information related to an option included in the option purchase instruction is accumulated in the second storage unit 131. The option information includes, for example, information included in the option purchase instruction (for example, option identifier, financial product identifier, trade type information, order quantity information, settlement deadline information, purchase date / time, exercise price information, etc.).

  In addition, the second processing unit 133 performs processing for purchasing or selling a financial product corresponding to the corresponding order instruction in accordance with the corresponding order instruction received by the second receiving unit 132. With this processing, the server device 12 can purchase a financial product equivalent to the user order.

  Further, the second processing unit 133 may include option exercising means. The option exercising means performs processing for exercising the option using the option information. The process for exercising the option is, for example, a process for writing a flag indicating that the option has been exercised, information for transmitting to the server device 12, and a process for configuring information indicating that the option has been exercised Etc.

  The second transmission unit 134 transmits the information configured by the second processing unit 133 to the server device 12. Here, the information transmitted by the second transmission unit 134 includes, for example, the value of the current financial product, information indicating that the corresponding order instruction has been received, information indicating that the processing corresponding to the corresponding order instruction has been completed, and option purchase. Information indicating that an instruction has been accepted, information on option conditions, information indicating that an option has been exercised, and the like.

  The terminal processing unit 112, the fee calculation unit 1207, the fee settlement unit 1208, the present value acquisition unit 1209, the determination unit 1210, the settlement unit 1211, and the second processing unit 133 can be usually realized by an MPU, a memory, or the like. The processing procedure of the terminal processing unit 112 or the like 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 terminal transmission unit 113, the corresponding order processing unit 1205, the option purchase unit 1206, and the second transmission unit 134 are usually realized by wireless or wired communication means, but may be realized by broadcasting means.

  The terminal receiving unit 114, the server receiving unit 1204, and the second receiving unit 132 are usually realized by wireless or wired communication means, but may be realized by means for receiving a broadcast.

  The terminal output unit 115 may be considered as including or not including an output device such as a display or a speaker. The terminal output unit 115 may be implemented by output device driver software, or output device driver software and an output device.

  The server storage unit 1200, the margin information storage unit 1201, the fee information storage unit 1202, the order information storage unit 1203, and the second storage unit 131 are preferably non-volatile recording media, but can also be realized by volatile recording media. It is. The process in which a web page etc. is memorize | stored in the server storage part 1200 grade | etc., Is not ask | required. For example, a web page or the like may be stored in the server storage unit 1200 or the like via a recording medium, and a web page or the like transmitted via a communication line or the like may be stored in the server storage unit 1200 or the like. Alternatively, a web page or the like input via an input device may be stored in the server storage unit 1200 or the like.

  Next, the operation of the financial product transaction system 1 will be described. First, the operation of the terminal device 11 will be described. The terminal reception unit 111 of the terminal device 11 receives instructions and information from the user. And the terminal process part 112 comprises the instruction | indication transmitted to the server apparatus 12, for example using the instruction | indication and information which the terminal reception part 111 received. Next, the terminal transmission unit 113 transmits the instruction configured by the terminal processing unit 112 to the server device 12. Next, the terminal reception unit 114 receives information from the server device 12 in response to transmission of an instruction or the like in the terminal transmission unit 113. And the terminal output part 115 outputs the information which the terminal receiver 114 received.

  Next, main operations of the server device 12 will be described with reference to the flowchart of FIG.

  (Step S301) The server reception unit 1204 determines whether an instruction or the like has been received from the terminal device 11. If an instruction or the like is received, the process goes to step S302, and if no instruction or the like is received, the process goes to step S318.

  (Step S302) The server reception unit 1204 determines whether or not the instruction received in step S301 is a page access command. If it is a page access command, go to step S303, and if it is not a page access command, go to step S305. The page access command is a command for receiving a specific web page, and usually includes a URL, a URI, and the like. Here, the specific web page is, for example, a web page constituting a screen for performing a transaction of financial products.

  (Step S303) The server processing unit 1212 reads a web page stored in the server storage unit 1200.

  (Step S304) The server transmission unit 1213 transmits the web page read in step S303 to the terminal device 11 that has transmitted the instruction. The process returns to step S301.

  (Step S305) The server reception unit 1204 determines whether or not the instruction received in step S301 is a user order. If it is a user order, go to step S306, and if it is not a user order, go to step S313.

  (Step S306) The fee calculation unit 1207 and the like perform processing related to the fee. Such fee processing will be described with reference to the flowchart of FIG.

  (Step S307) In step S306, it is determined whether or not the fee settlement processing is completed. If the payment process has been completed, the process proceeds to step S308. If the payment process has not been completed, the process proceeds to step S312.

  (Step S308) The corresponding order processing unit 1205 configures corresponding order information corresponding to the user order and stores it in the order information storage unit 1203.

  (Step S309) The corresponding order processing unit 1205 transmits the corresponding order information configured in Step S307 to the second server device 13.

  (Step S310) The option purchasing unit 1206 configures option information corresponding to the user order in response to the server receiving unit 1204 receiving the user order, and accumulates the option information in the order information storage unit 1203. Note that the option purchase unit 1206 acquires, for example, a financial product identifier, settlement deadline information, and order quantity information that the user order has. Also, the option purchase unit 1206 acquires, for example, trade type information opposite to the trade type information included in the user order. Then, the option purchase unit 1206 configures option information using these pieces of information. That is, when the user order is “an order to purchase 1 dollar for 100 yen”, the option information is, for example, information indicating “a right to sell 1 dollar for 100 yen”. The option information is, for example, information indicating “right to sell 1 share for 1 million yen” when the user order is “order to purchase 1 share for 1 million yen”, for example. .

  (Step S311) The option purchasing unit 1206 transmits the option information configured in step S309 to the second server device 13. The process returns to step S301. The transmission of the option information is an option purchase instruction.

  (Step S <b> 312) The server transmission unit 1213 composes an error message and transmits it to the terminal device 11. The error message is usually a message indicating that the margin is insufficient.

  (Step S313) The server reception unit 1204 determines whether or not the instruction received in step S301 is a settlement instruction. If it is a settlement instruction, the process goes to step S314, and if it is not a settlement instruction, the process returns to step S301. The settlement instruction received here is a settlement instruction received before the settlement deadline.

  (Step S314) The present value acquisition unit 1209 presents the present value that is the value indicated by the settlement deadline information included in the user order of the financial product identifier included in the order information corresponding to the settlement instruction and the financial product corresponding to the trade type information. (Usually unit price) is acquired from the second server device 13 or the third server device. The present value may be constantly updated and held in the server storage unit 1200. Then, the present value acquisition unit 1209 uses the present value and the order quantity information included in the order information corresponding to the settlement instruction to acquire the total amount (total amount of present value) of the financial products corresponding to the settlement instruction.

  (Step S315) The settlement unit 1211 performs a settlement process for the financial product corresponding to the settlement instruction using the total amount of the financial product acquired in Step S314. That is, for example, when “$ 1” is purchased for “100 yen” and the present value of “$ 1” is “110 yen”, the settlement unit 1211, for example, Subtract 1 dollar from the account information and add 110 yen.

  (Step S316) The settlement unit 1211 transmits the settlement result in step S315 to the terminal device 11 that has transmitted the settlement instruction. The settlement results include, for example, that “1 dollar” has become “110 yen”, the dollar deposit amount has decreased by 1 dollar, and the yen deposit amount has increased by 110 yen.

  (Step S317) The determination unit 1210, the settlement unit 1211, and the like perform processing that is performed when the settlement deadline has been reached. Such a process is called a settlement deadline process. The settlement time limit process will be described with reference to the flowchart of FIG. The process returns to step S301.

  In the flowchart of FIG. 3, the timing of the settlement deadline process in step S318 is not questioned. The settlement time limit process may be performed at a predetermined time interval (for example, once a day), continuously at any time, or may be performed according to a user instruction.

  Moreover, in the flowchart of FIG. 3, the timing etc. which calculate a commission are not ask | required.

  Further, in the flowchart of FIG. 3, in response to receipt of a settlement instruction, a process for not exercising an option specified by option information paired with order information corresponding to the settlement instruction may be performed. Such unexecuted processing is, for example, an instruction having an option identifier, and is a process of transmitting an instruction for not exercising an option to the second server device 13.

  In the flowchart of FIG. 3, when it is determined in step S313 that a settlement instruction has been received, the determination unit 1210 obtains the present value acquired by the present value acquisition unit 1209 (value when the settlement instruction is received), And using the acquired first value, the user may determine whether or not to make a profit in this transaction. Then, only when it is determined to gain, in step S315, the settlement unit 1211 performs settlement processing of the financial product corresponding to the settlement instruction using the present value, and in step S316, the settlement unit 1211 displays the settlement result. Alternatively, it may be transmitted to the terminal device 11 that has transmitted the settlement instruction.

  Further, in the flowchart of FIG. 3, the process is ended by power-off or a process end interrupt.

  Next, fee processing in step S306 will be described using the flowchart of FIG.

  (Step S401) The fee calculation unit 1207 reads the financial product identifier, the transaction type information, or the calculation formula for calculating the fee corresponding to the financial product identifier and the transaction type information.

  (Step S402) The fee calculation unit 1207 acquires settlement deadline information, order quantity information, and the like that the user order has. Further, the fee calculation unit 1207 acquires parameters to be substituted into the arithmetic expression from the acquired settlement deadline information, order quantity information, and the like. Note that the parameters to be substituted into the arithmetic expression may be settlement deadline information, order quantity information, or the like, or information that can be acquired from the settlement deadline information, order quantity information, or the like.

  (Step S403) The fee calculation unit 1207 substitutes the parameter acquired in step S402 for the arithmetic expression read in step S401.

  (Step S404) The fee calculation unit 1207 executes the arithmetic expression configured in step S403, and acquires fee information.

  (Step S405) The fee settlement unit 1208 reads the margin information stored in the margin information storage unit 1201. This margin information is usually margin information corresponding to the user identifier included in the user order.

  (Step S406) The fee settlement unit 1208 determines whether or not to settle the fee. If it is determined that the fee is to be settled, the process proceeds to step S407. If it is determined that the fee is not to be settled, the process proceeds to step S409. The fee settlement unit 1208 determines whether to settle the fee using conditions necessary for the transaction. The conditions necessary for the transaction are, for example, conditions using the fee information acquired in step S404 and the margin information acquired in step S405. More specifically, the necessary condition for the transaction is, for example, “fee indicated by fee information <= margin indicated by margin information”. In addition, it is suitable that the conditions necessary for the transaction include information on required margin. For example, more specifically, the condition necessary for the transaction is, for example, “margin indicated by margin information−fee indicated by fee information> = necessary margin indicated by required margin information”. The required margin is a minimum deposit required in proportion to the amount of the transaction for the transaction of the financial product (for example, for taking a position).

  (Step S407) The fee settlement unit 1208 performs a fee settlement process corresponding to the fee information acquired in step S404. That is, the fee settlement unit 1208 subtracts the fee indicated by the fee information from the margin indicated by the margin information, for example, acquires new margin information, and accumulates it in the margin information storage unit 1201.

  (Step S408) The fee settlement unit 1208 transmits new margin information to the terminal device 11. Return to upper process.

  (Step S409) The fee settlement unit 1208 substitutes information indicating “error” into a variable into which the fee settlement result is substituted. Return to upper process.

  In the flowchart of FIG. 4, the fee calculation method is not limited. Moreover, the calculation timing of a commission is also not ask | required.

  Next, the settlement time limit processing in step S317 will be described using the flowchart of FIG.

  (Step S501) The determination unit 1210 substitutes 1 for a counter i.

  (Step S502) The determination unit 1210 determines whether or not the order information storage unit 1203 includes the i-th order information for which payment processing has not been completed. If the i-th order information exists, the process goes to step S503, and if the i-th order information does not exist, the process returns to the upper process.

  (Step S503) The determination unit 1210 acquires from the order information storage unit 1203 the i-th order information for which the settlement process has not been completed.

  (Step S <b> 504) The determination unit 1210 determines whether or not the present time is the payment deadline, using the payment deadline information included in the i-th order information. If it is the payment deadline, the process goes to step S505, and if it is not the payment deadline, the process goes to step S509.

  (Step S505) The present value acquisition unit 1209 acquires the present value of the financial product corresponding to the i-th order information. Note that the present value acquisition unit 1209 normally acquires the present value using the financial product identifier, trade type information, and order quantity information included in the i-th order information.

  (Step S506) The determination part 1210 acquires the 1st value which i-th order information has.

  (Step S507) The determination unit 1210 determines whether or not the user makes a profit in this transaction using the present value acquired in Step S505 and the first value acquired in Step S506. If it is determined to obtain, go to step S508, and if it is determined not to obtain, go to step S510.

  (Step S508) The settlement unit 1211 performs settlement based on the present value acquired in Step S505.

  (Step S509) The determination unit 1210 increments the counter i by one. The process returns to step S502.

  (Step S510) The settlement unit 1211 performs a process for completing the settlement corresponding to the i-th order information. The settlement completion process is, for example, performing settlement using the first value. The payment completion processing is, for example, adding a flag indicating completion of payment to the i-th order information. Go to step S509.

  In the flowchart of FIG. 5, when the determination unit 1210 determines not to obtain, an option exercise unit (not shown) may perform processing for option exercise. The process for exercising the option is, for example, obtaining option information corresponding to the i-th order information from the order information storage unit 1203, using the option information to construct an option exercising instruction, and exercising the option. Is sent to the second server device 13.

  Next, the operation of the second server device 13 will be described. The second receiving unit 132 of the second server device 13 receives instructions, information, and the like from the server device 12. Next, the second processing unit 133 performs processing according to the instruction, information, and the like received by the second receiving unit 132. Next, the second transmission unit 134 transmits the processing result of the second processing unit 133 to the server device 12.

  Specifically, when the second receiving unit 132 of the second server device 13 receives an option purchase instruction from the server device 12, the second processing unit 133 configures option information corresponding to the option purchase instruction, and The option information is accumulated in the second storage unit 131. In addition, the second transmission unit 134 transmits information indicating that the purchase processing of the option corresponding to the option purchase instruction has been completed to the server device 12.

  Specifically, the second processing unit 133 determines whether or not an option exercise deadline has been reached, using the settlement deadline information included in the option information. When it is determined that the deadline for exercising the option has been reached, the second processing unit 133 performs processing for exercising the option corresponding to the option information. Then, the second transmission unit 134 transmits information indicating that the option exercising process has been completed to the server device 12. The option exercise process is a process for exercising the option right. For example, a financial product identifier, trade type information, order quantity information, and exercise price information included in the option information are used. Specifically, the second processing unit 133 performs the purchase or sale process indicated by the trade type information at the price indicated by the exercise price information by the amount indicated by the order quantity information of the financial product identified by the financial product identifier. Do.

  More specifically, when the second receiving unit 132 of the second server device 13 receives the corresponding order instruction from the server device 12, the second processing unit 133 purchases or sells the financial product corresponding to the corresponding order instruction. Process for. Then, the second transmission unit 134 transmits information indicating that the purchase or sale of the financial product corresponding to the corresponding order instruction has been completed to the server device 12.

  Hereinafter, a specific operation of the financial product transaction system 1 in the present embodiment will be described. A conceptual diagram of the financial product transaction system 1 is shown in FIG. Hereinafter, two specific examples will be described.

(Specific example 1)
In specific example 1, a case of foreign exchange margin trading (hereinafter referred to as “FX trading”) will be described. In addition, for example, the second server device 13 is a server device of a broker for FX transactions, and the second server device 13 is, for example, a foreign bank server device.

  Now, the margin information storage unit 1201 of the server device 12 holds the margin information management table shown in FIG. The margin information management table is a table for managing margin information for each user, and can store one or more records having “user ID” and “margin information”. “User ID” is a user identifier, and “Margin information” indicates a margin.

  Further, the fee information storage unit 1202 holds a fee information management table shown in FIG. The fee information management table is information for calculating a fee, and can store one or more records having “ID”, “financial product identifier”, “trade type information”, and “fee calculation formula”. “ID” is information for identifying a record.

  The order information storage unit 1203 holds a position management table shown in FIG. The position management table is a table for managing the positions for which orders have been received, and stores one or more records having “user order ID” and “position information”. “Position information” includes “date and time”, “user ID”, “financial product identifier”, “order quantity information”, “buying and selling type information”, and “first value”. “Date and time” indicates the date and time when the user order for the position is received. Here, the “first value” is a unit price (rate). In FIG. 8, a record of “user order ID = 1” purchases an order quantity 1 (10,000 euros) in yen, and the first value (rate) at that time is 126.00 yen / euro. It shows that it is. In addition, the record of “user order ID = 2” is a transaction for selling dollars with an order quantity of 2 (2 million yen) to obtain yen, and the first value (rate) at that time is 99.99. It shows that it is 00 yen / dollar.

  Further, the order information storage unit 1203 holds an option management table shown in FIG. The option management table is a table for managing purchased options, and stores one or more records having “user order ID” and “option information”. The “option information” includes “financial product identifier”, “order quantity information”, “trade type information”, “exercise value information”, “settlement deadline information”, “purchase date / time”, and “option ID”. “Purchase date and time” is the date and time when the server device 12 performed the option purchase process. The “option ID” is information for identifying an option, and is usually information received from the second server device 13, but may be information generated by the server device 12. “Trade type information” has an optional value of “put” or “call”. Here, put is a put option (Put Option), which is a right to sell the underlying asset at a predetermined price on a predetermined date. A call option is a right to purchase the underlying asset at a predetermined price on a predetermined date. “Exercise value information” is information indicating the value when exercising an option, and here is a rate. In FIG. 9, the record of “user order ID = 1” indicates the right to sell the euro purchased with the order quantity 1 at a rate of 126.00 yen / euro. In FIG. 9, the record of “user order ID = 2” indicates the right to buy back the dollar sold at the order quantity 2 at a rate of 99.00 yen / dollar.

  The option management table shown in FIG. 9 has the user order ID, but may not have the user order ID. In other words, the user order does not need to correspond to the option information for management.

  Here, first, a process in which the server apparatus 12 accesses the second server apparatus 13 and accumulates the latest foreign exchange rate and the latest premium will be described.

  First, the server transmission unit 1213 of the server apparatus 12 transmits an instruction to transmit the exchange rate information to the second server apparatus 13 when the exchange rate inquiry timing comes. It is preferable that the exchange rate inquiry is performed continuously several times at regular intervals or irregularly. For example, the exchange rate inquiry is made every 5 minutes, every 1 minute, or the like.

  Next, the second reception unit 132 of the second server device 13 receives an instruction to transmit the exchange rate information, and the second processing unit 133 reads the latest exchange rate information from the second storage unit 131. . Then, the second transmission unit 134 transmits the latest information on the foreign exchange rate to the server device 12. It is assumed that the latest information on the foreign exchange rate is stored in the second storage unit 131.

  Next, the server reception unit 1204 of the server device 12 receives the latest information on the foreign exchange rate and accumulates it in the server storage unit 1200.

  Further, the server transmission unit 1213 of the server device 12 transmits an instruction for transmitting premium information to the second server device 13 when the premium inquiry timing comes. In addition, it is preferable that the premium inquiry is performed continuously several times at regular intervals or irregularly. For example, premium inquiries are made every minute.

  Next, the second reception unit 132 of the second server device 13 receives an instruction to transmit premium information, and the second processing unit 133 reads the latest premium information from the second storage unit 131. Then, the second transmission unit 134 transmits the latest premium information to the server device 12.

  Next, the server reception unit 1204 of the server device 12 receives the latest premium information and stores it in the server storage unit 1200.

  Now, it is assumed that the user inputs an instruction to access the web page stored in the server device 12 to the terminal device 11 in order to perform a transaction for the financial product. It is assumed that the user ID of this user is “A123456789”, for example, that the user has already input and is held in the terminal device 11.

  Next, the terminal reception unit 111 of the terminal device 11 receives an instruction to access the web page. Next, the terminal processing unit 112 configures an instruction to access a web page for performing a transaction for a financial product from the instruction received by the terminal receiving unit 111. Next, the terminal transmission unit 113 transmits the access instruction to the server device 12.

  Then, the server reception unit 1204 of the server device 12 receives the access instruction, and the server processing unit 1212 reads a web page corresponding to the access instruction from the server storage unit 1200. Then, the server transmission unit 1213 transmits the read web page to the terminal device 11 that has transmitted the instruction.

  Next, the terminal receiving unit 114 of the terminal device 11 receives the web page, and the terminal output unit 115 outputs the web page. An example of such output is shown in FIG. The web page according to FIG. 10 constitutes a screen for conducting a forex margin transaction (hereinafter referred to as “FX transaction”). In FIG. 10, the user designates a currency pair (1001), a transaction quantity (1002), and a position sell or buy (1003). In FIG. 10, a position is sold or bought by pressing a button (a sell (bid) button (10031) or a buy (ASK) button (10032)) on which a rate is displayed. FIG. 10 also includes the latest foreign exchange rate (1003) and a chart (1004) that shows the fluctuations. As a result, the customer is also given the judgment material at the time of the transaction instruction. Further, in FIG. 10, by checking the offset order check box (1005), the financial product of the present invention can be ordered. Note that an order for a financial product (for example, FX) based on the user order is referred to as an offset order. Further, reference numeral 1006 in FIG. 10 is an area for inputting settlement deadline information. Here, the user designates one week or one month from the order date as the settlement deadline. In FIG. 10, the current user's margin “36,800 yen” is displayed.

  In this situation, it is assumed that the user has selected the currency pair “USD / JPY” (see 1001 in FIG. 10). “USD / JPY” is a transaction between the US dollar and the Japanese yen. Further, it is assumed that the user has input the quantity “1”. Here, the quantity “1” corresponds to “10,000 dollars”. The quantity “1” is an example of the order quantity information described above. In addition, it is assumed that the user has entered the settlement deadline information “one week”.

  And by the above user's input, the terminal reception part 111 of the terminal device 11 receives "financial product identifier: USD / JPY, settlement term information: 1 week, order quantity information: 1."

  Next, the terminal processing unit 112 configures a fee inquiry instruction using the information received by the terminal receiving unit 111. The fee inquiry instruction is an instruction for inquiring the server device 12 for a fee, and here has “financial product identifier: USD / JPY, settlement deadline information: one week, order quantity information: 1”. The fee inquiry instruction also has a user ID “A123456789”.

  Then, the terminal transmission unit 113 transmits the configured fee inquiry instruction to the server device 12.

  Next, the server receiving unit 1204 of the server device 12 receives a fee inquiry instruction. Here, it is assumed that the fee inquiry instruction is an inquiry of fees for both “sell” and “buy” as the trade type information.

  Next, the fee calculation unit 1207 acquires the financial product identifier, settlement deadline information, and order quantity information included in the fee inquiry instruction. In addition, the fee calculation unit 1207 acquires information on the latest premium stored in the server storage unit 1200. The fee calculation unit 1207 is an arithmetic expression for calculating a fee corresponding to the financial product identifier, and includes a fee arithmetic expression corresponding to the sales type information “sell” and a fee arithmetic expression corresponding to the type of sales information “buy”. read out. Next, the fee calculation unit 1207 substitutes one or more pieces of information from the payment deadline information, the order amount information, and the premium information to the two read arithmetic expressions, and executes the arithmetic expressions. Then, it is assumed that the fee calculation unit 1207 calculates 6,800 yen for the sale type information “sell” and 6,700 yen for the sale type information “buy”. Further, the fee calculation unit 1207 temporarily stores 6,800 yen for the sale type information “sell” and 6,700 yen for the sale type information “buy” in a buffer (not shown) in association with the user ID “A123456789”. , And.

  Next, the server transmission unit 1213 transmits the calculated fee (“sell: 6,800 yen”, “buy: 6,700 yen”) to the terminal device 11.

  The server processing unit 1212 reads the margin information “36,800 yen” corresponding to the user ID “A123456789” as the margin information stored in the margin information management table, and the server transmission unit 1213 The gold information “36,800 yen” may be transmitted to the terminal device 11.

  Next, the terminal receiving unit 114 of the terminal device 11 receives the fee information and the margin information “36,800 yen”, and the terminal output unit 115 outputs the fee information and the margin information (FIG. 10). 1008, 1007).

  Next, it is assumed that the user inputs the trade type information “buy”. That is, it is assumed that the user presses the “buy” button (10032).

  Then, the terminal reception part 111 receives pressing of a button (10032). That is, the terminal accepting unit 111 accepts the trade type information “buy”.

  Next, the terminal processing unit 112 uses the user order received by the terminal receiving unit 111 to transmit the user order “financial product identifier: USD / JPY, settlement deadline information: one week, trade type information” to the server device 12. "Buy", order quantity information: 1 ". Note that “financial product identifier: USD / JPY, settlement deadline information: one week, order quantity information: 1” has been previously received by the terminal receiving unit 111. Then, the terminal transmission unit 113 transmits the user order configured by the terminal processing unit 112 to the server device 12.

  Next, the server reception unit 1204 receives a user order from the terminal device 11. Next, the fee settlement unit 1208 obtains a fee “6,700 yen” corresponding to the sale type information “buy” from the buffer (not shown) among the fees already calculated by the fee calculation unit 1207. Next, the fee settlement unit 1208 reads margin information “36,800 yen” corresponding to the user ID “A123456789”, which is margin information stored in the margin information management table. Next, the fee settlement unit 1208 uses the acquired fee information “6,700 yen” and the acquired margin information “36,800 yen” to determine that “fee ≦ margin” is satisfied. Then, the fee settlement unit 1208 performs a fee settlement process corresponding to the acquired fee information “6,700 yen”. The fee settlement unit 1208 subtracts the fee “6,700 yen” indicated by the fee information from the margin “36800 yen” indicated by the margin information, for example, and acquires the new margin information “30,100 yen” to obtain the user It is stored in the margin information management table in association with ID “A123456789”. Then, the fee settlement unit 1208 transmits information indicating completion of the fee settlement including the new margin information “30,100 yen” to the terminal device 11.

  Next, the terminal receiving unit 114 of the terminal device 11 receives information indicating completion of fee settlement, and the terminal output unit 115 outputs the information.

  Next, the corresponding order processing unit 1205 of the server device 12 configures corresponding order information corresponding to the user order and stores it in the order information management table. Specifically, for example, the corresponding order processing unit 1205 generates a unique user order ID “321”. Also, the corresponding order processing unit 1205 acquires the date and time “2013/9/9/10: 58” when the user order is received from a clock (not shown). Further, the corresponding order processing unit 1205 acquires the current value (first value) “92.18” acquired by the current value acquisition unit 1209. In addition, the corresponding order processing unit 1205 acquires “user ID: A100000003, financial product identifier: USD / JPY, trade type information: purchase, order quantity information: 1” included in the user order. Then, the corresponding order processing unit 1205 configures corresponding order information using the acquired information, and stores the configured corresponding order information in the order information management table of FIG. The accumulated information is a record of “user order ID = 321” in FIG.

  Next, the corresponding order processing unit 1205 transmits a corresponding order instruction including the configured corresponding order information to the second server device 13.

  Next, the second receiving unit 132 of the second server device 13 receives the corresponding order instruction. Then, the second processing unit 133 performs processing for purchasing the financial product “USD / JPY” corresponding to the corresponding order instruction. By this processing, it is assumed that the server device 12 has been able to purchase a financial product equivalent to the user order.

  Next, the option purchase unit 1206 configures option information corresponding to the user order in response to the server receiving unit 1204 receiving the user order. The option information corresponding to the user order has the same financial product identifier, settlement deadline information, and order quantity information as the user order, and has logically different (reverse) trade type information from the user order. In other words, for example, the option purchase unit 1206 acquires the current date and time “2013/9/9 10:59” from a clock (not shown). Then, the option purchase unit 1206 acquires the settlement date information “2013/9/16” to be transmitted from the current date and time and the received “settlement date information: 1 week”. Also, the option purchase unit 1206 acquires the present value “92.18” acquired by the present value acquisition unit 1209.

  Then, the option purchase unit 1206 uses the acquired information, and the option information is “financial product identifier: USD / JPY, order quantity information: 1, trade type information: put, exercise value information: 92.18, settlement deadline. Information: 2013/9/16, purchase date and time: 2013/9/9 10:59 ”. Then, the option purchasing unit 1206 accumulates the information in the option information management table of FIG. Then, the option purchase unit 1206 transmits an option purchase instruction including the configured option information to the second server device 13.

  Next, the second receiving unit 132 of the second server device 13 receives an option purchase instruction from the server device 12. Next, the second processing unit 133 configures option information corresponding to the option purchase instruction, and accumulates the option information in the second storage unit 131. Note that the information stored in the second storage unit 131 includes an option ID (for example, “7621”). The option ID is information for identifying an option, and is unique information generated by the second processing unit 133.

  In addition, the second transmission unit 134 transmits information indicating that the purchase processing of the option corresponding to the option purchase instruction has been completed to the server device 12. The information indicating that the option purchase process has been completed includes an option ID “7621”.

  Next, the server reception unit 1204 of the server apparatus 12 receives information indicating that the option purchase process has been completed, and accumulates an option ID (eg, “7621”) included in the information in the order information management table. (See “User Order ID = 321” in FIG. 8).

  Next, for example, it is assumed that one week has passed since 2013/9/9 and 2013/9/16. In other words, it is assumed that the settlement period for the user order “user order ID = 321” has come.

  In such a case, the determination unit 1210 determines that the current payment deadline is based on the payment deadline information included in the order information corresponding to “user order ID = 321”.

  Next, the present value acquisition unit 1209 acquires the present value of the financial product corresponding to the order information corresponding to “user order ID = 321”. Here, for example, it is assumed that the present value acquisition unit 1209 has acquired USD / JPY FX rate information (for example, “$ 1 / 88.12 yen”) from the server storage unit 1200. Forex rate information is present value information.

  Next, the determination unit 1210 acquires the first value “92.18” corresponding to “user order ID = 321”.

  Next, using the acquired present value “88.12” and the acquired first value “92.18”, the determination unit 1210 determines that the user loses in this transaction. Here, the determination unit 1210 determines that there is a loss because “present value−first value <0” is satisfied.

  Then, the settlement unit 1211 does not perform settlement processing.

  In the second server device 13, the second processing unit 133 exercises an option corresponding to the option ID “7621”. Then, the second transmission unit 134 transmits information indicating that the option exercising process has been completed to the server device 12.

  Next, the server reception unit 1204 of the server device 12 receives information indicating that the option exercise process has been completed. Then, the server processing unit 1212 accumulates the information. The server processing unit may add information indicating that the option exercising process has been completed to the option information corresponding to “user order ID = 321”.

  In the above specific example, the process of exercising an option when the user loses has been described. However, for example, when the USD / JPY exchange rate information acquired by the present value acquisition unit 1209 from the server storage unit 1200 is “1 dollar / 95.12 yen”, the following processing is executed. .

  That is, next, the present value acquisition unit 1209 acquires the present value “95.12”, which is information on the exchange rate.

  Next, the determination unit 1210 acquires the first value “92.18” corresponding to “user order ID = 321”.

  Next, using the acquired present value “95.12” and the acquired first value “92.18”, the determination unit 1210 determines that the user makes a profit in this transaction. Here, the determination unit 1210 satisfies “present value−first value> 0”, and therefore determines that it is to be obtained.

Next, the settlement unit 1211 performs settlement using the acquired present value “95.12”. That is, the settlement unit 1211 uses the first value “92.18”, the present value “95.12”, and the order quantity information “1” to obtain “(95.12 yen−92.18 yen) × 10000”. "Dollar" is calculated and "29400 yen" is obtained.
Next, the settlement unit 1211 performs a process of adding “29400 yen” to the user account. In addition, the addition process transmits an addition instruction of “29400 yen” to the second server device 13, for example. Then, the second server device 13 performs corresponding processing.

(Specific example 2)
In specific example 2, a case where the financial product is a stock will be described. It is assumed that the user inputs a user order for purchasing the stock “1 million yen” of company A to the terminal device 11. Further, it is assumed that the settlement deadline in this user order is 6 months. It is assumed that it is 2013/3/12 at present.

  Next, it is assumed that the terminal reception unit 111 of the terminal device 11 receives “financial product identifier: stock of company A, settlement deadline: 6 months, deposit amount: 1 million yen”. The terminal processing unit 112 then receives the user order “financial product identifier: stock of company A, settlement deadline information: 2012/9/12, first value: 1 million yen, order quantity information from the received information. : 5 shares ". It is assumed that the stock of Company A is currently 200,000 yen per share, and the terminal processing unit 112 has acquired the unit price at the time of the transaction of the stock of Company A from the server device 12, for example.

  Next, the terminal transmission unit 113 sends the user order “Financial product identifier: Company A, settlement deadline information: 2012/9/12, first value: 1 million yen, order quantity information: 5 shares” to the server device 12. Send.

  Next, the server receiving unit 1204 of the server device 12 receives the user order.

  Next, the fee calculation unit 1207 calculates a fee “10,000 yen” for 1 million yen, for example. Here, it is assumed that the fee is 1% of the deposit amount. Next, the fee settlement unit 1208 performs a fee settlement process corresponding to the acquired fee information “10,000 yen”.

  Then, it is assumed that 6 months have passed since the purchase of the user's stock and has become 2013/9/12.

  Next, the present value acquisition unit 1209 acquires the current stock price “180,000 yen / share” of the company A corresponding to the user order. The current stock price of Company A is the unit price of the present value of the financial product. Next, the present value acquisition unit 1209 multiplies the current stock price “220,000 yen / share” and the order quantity information “5 shares” to acquire the present value “1.1 million yen”.

  Next, the determination unit 1210 acquires the first value “1 million yen” corresponding to the user order.

  Next, using the acquired present value “1.1 million yen” and the acquired first value “1 million yen”, the determination unit 1210 determines that the user will gain in this transaction.

  Next, the settlement unit 1211 performs settlement using the acquired present value “1.1 million yen”. That is, the settlement unit 1211 performs processing for selling five shares of the company A. Since the settlement process is a known technique, a detailed description is omitted.

  Next, the server transmission unit 1213 of the server device 12 transmits information to the terminal device 11 that the company has sold five shares of company A to the terminal device 11 and has obtained a profit of “100,000 yen”.

  Next, the terminal device 11 receives and outputs the information.

  Note that, in the stock trading in the second specific example, as described in the first specific example, a process of purchasing an option may be performed.

  As described above, according to the present embodiment, it is possible to easily perform transactions for financial products with extremely low risk for the user.

  Moreover, according to this Embodiment, the risk of the broker of financial instruments can be easily reduced by purchasing an option in response to receiving a user order.

  Further, according to the present embodiment, it is possible to easily reduce the risk of financial product intermediaries by performing transactions for financial products equivalent to user orders in response to receiving user orders.

  Further, according to the present embodiment, an appropriate fee can be automatically calculated.

  In addition, according to the present embodiment, it is possible to make a transaction for a user-friendly financial product by enabling settlement according to a user instruction at a time before the settlement deadline.

  In addition, according to the present embodiment, a configuration in which the user can select one due date from two or more discontinuous due dates that are discontinuous in time, whereby a settlement due date candidate is determined and the settlement due date is determined. The type of fee is determined when calculating the fee. Therefore, a large number of orders can be processed with a small load.

  Further, according to the present embodiment, the option can be reliably purchased by purchasing the option in synchronization with the reception of the user order.

  Further, according to the present embodiment, a large number of options can be purchased with a small load by purchasing the options asynchronously with the reception of the user order.

  In the present embodiment, as described in the specific example 2, it is not always necessary to perform option purchase processing in response to reception of a user order. Further, as described in the specific example 2, it is not always necessary to perform processing for purchasing a corresponding financial product in response to reception of a user order. Therefore, the server device 12 includes a server receiving unit that receives a user order from the terminal device, a present value acquisition unit that acquires a present value that is the value of the financial product when the settlement deadline corresponding to the user order indicates, and the user order Compares the first value and present value of the financial product corresponding to, and determines whether or not the user is profitable, and settlement based on the present value if the determiner determines that the user is profitable It is also possible to have a configuration that only includes a settlement unit that performs the above.

  Furthermore, 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. In addition, the software which implement | achieves the server apparatus 12 in this Embodiment is the following programs. That is, this program is an instruction to purchase or sell a financial product whose value fluctuates, an instruction to purchase or sell a financial product based on the first value, and a settlement deadline that is a predetermined deadline. A server receiving unit that receives a user order, which is an instruction to settle when the user becomes, and a present value acquisition that acquires a present value that is a value of the financial product when a settlement deadline corresponding to the user order indicates A determination unit that compares the first value of the financial product corresponding to the user order with the present value, and determines whether or not the user is profitable. When it is determined, it is a program for functioning as a settlement unit that performs settlement based on the present value.

  Further, in the above program, when the determination unit determines that the user loses, the payment unit causes the computer to function as a payment different from the case where the determination unit determines that the user gains. It is preferable that it is a program.

  In the above program, in response to the server receiving unit receiving a user order, it configures option information that is information related to an option corresponding to the user order, and transmits the option information to the second server device. By doing so, it is preferable that the program further causes the computer to function as an option purchase unit that purchases options that can be exercised at the time of the settlement due to the user order.

  Further, in the above program, when the server receiving unit accepts the user order, the corresponding order information that is information related to the order corresponding to the user order is configured, and the corresponding order information is transmitted to the second server device or the third server. It is preferable that the program further causes the computer to function as a corresponding order processing unit that purchases or sells a financial product equivalent to the user order by transmitting to the apparatus.

  Further, in the above program, the program further causes the computer to function as a fee settlement unit that settles a fee for the user order by using fee information stored in a recording medium, which is information about the fee for the user order. It is preferable to be.

  In the program, the server reception unit can receive a payment instruction that is an instruction to make a payment from the terminal device at a time before the payment deadline, and the current value acquisition unit is configured so that the server reception unit If a payment instruction is received from the terminal device at a time prior to the payment deadline, a current value that is a value of the financial product when the payment instruction is received is acquired, and the payment unit It is preferable that the program causes the computer to function as a payment based on the present value acquired by the present value acquisition unit in response to the reception of.

  In the above program, the user order has two or more predetermined settlement deadlines, and is a settlement that is information of one settlement deadline selected from two or more settlement deadlines that are discontinuous in time. It is preferable that the program has a deadline information so that the computer functions.

  In the above program, the user order includes order quantity information indicating that the order is an amount of n (n is a natural number of 1 or more) times the basic unit of the transaction of the financial product, and the settlement unit Is a program that causes a computer to function as a payment based on the present value for the order amount indicated by the order amount information when the determination unit determines that the user obtains. .

  In the above program, the option purchase unit configures option information corresponding to the user order in synchronization with the reception of the user order, and transmits the option information to the second server device. It is preferable that the program functions a computer.

  In the program, the option purchase unit configures option information corresponding to the user order asynchronously with reception of the user order, and transmits the option information to the second server device. It is preferable that the program functions a computer.

  Further, in the above program, it is preferable that the program further causes the computer to function as a fee calculation unit that calculates a fee for the user order and acquires fee information that is information related to the fee.

  In the above program, the fee calculation unit causes the computer to function as calculating the fee for the user order continuously or irregularly and acquiring fee information that is information relating to the fee. It is preferable that it is a program.

  In the above program, the fee calculation unit calculates a fee by an increasing function using a period corresponding to a settlement deadline as a parameter, and obtains fee information that is information related to the fee, and causes the computer to function. It is preferable that

  In the above program, the storage medium includes a margin information storage unit that can store margin information indicating a margin in association with a user, and the fee settlement unit includes a margin indicated by the margin information. In the range of the above, the fee information is settled using the fee information, and the settlement unit does not perform the settlement when the margin indicated by the margin information is less than the fee indicated by the fee information. As a thing, it is suitable that it is a program which functions a computer.

  FIG. 11 shows the external appearance of a computer that executes the programs described in this specification to realize the server devices of the various embodiments described above. The above-described embodiments can be realized by computer hardware and a computer program executed thereon. FIG. 11 is an overview diagram of the computer system 300, and FIG. 12 is a block diagram of the system 300.

  In FIG. 11, 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. 12, a computer 301 includes an MPU 3013, a bus 3014, a ROM 3015, a RAM 3016, and a hard disk 3017 in addition to a 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 server device or the like of 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 server device or the like 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 transmission step (only performed by hardware) Processing) is 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 server device according to the present invention has an effect that transactions of financial products with extremely low risk can be easily performed, and is useful as a server device that performs transactions of financial products.

DESCRIPTION OF SYMBOLS 1 Financial instrument transaction system 11 Terminal apparatus 12 Server apparatus 13 Second server apparatus 111 Terminal reception part 112 Terminal processing part 113 Terminal transmission part 114 Terminal receiving part 115 Terminal output part 131 Second storage part 132 Second receiving part 133 Second process Unit 134 second transmission unit 1200 server storage unit 1201 margin information storage unit 1202 fee information storage unit 1203 order information storage unit 1204 server reception unit 1205 corresponding order processing unit 1206 option purchase unit 1207 fee calculation unit 1208 fee settlement unit 1209 present value Acquisition unit 1210 Judgment unit 1211 Settlement unit 1212 Server processing unit 1213 Server transmission unit

Claims (16)

This is an instruction to purchase or sell a financial product whose value fluctuates, and is an instruction to purchase or sell a financial product of the first value that is the value of the financial product when the user places an order for the financial product. A server receiving unit that receives from the terminal device a user order that is an instruction to settle when the settlement due date is reached,
A present value acquisition unit that acquires a present value that is a value of the financial product when a settlement deadline corresponding to the user order indicates;
A determination unit that compares the first value of the financial product corresponding to the user order with the present value, and determines whether or not the user gains;
Server if the user determines that the determination unit that the resulting comprising a settlement section which performs settlement the present value. The settlement unit
The server device according to claim 1, wherein when the determination unit determines that the user loses, the server device performs settlement different from the case where the determination unit determines that the user makes a profit. In response to the server receiving unit receiving the user order, the server receiving unit configures option information that is information related to the option corresponding to the user order, and transmits the option information to the second server device, thereby the user The server device according to claim 1, further comprising an option purchase unit that purchases an option corresponding to the order and that can be exercised when the settlement deadline is reached. When the server receiving unit accepts the user order, it configures corresponding order information that is information related to the order corresponding to the user order, and transmits the corresponding order information to the second server device or the third server device. The server device according to any one of claims 1 to 3, further comprising a corresponding order processing unit that purchases or sells a financial product equivalent to the user order. A fee information storage unit that can store fee information that is information about fees for the user order;
5. The server device according to claim 1, further comprising a fee settlement unit configured to settle a fee for the user order using the fee information. The server receiver is
A payment instruction that is an instruction to make a payment from the terminal device at a time before the payment deadline;
The present value acquisition unit
When the server reception unit receives a payment instruction from the terminal device at a time before the payment deadline, obtains a present value that is a value of the financial product when the payment instruction is received;
The settlement unit
The payment in response to receiving the instruction, the server device as claimed in any one of claims 5 to perform the settlement at the present value of the present value acquisition unit has acquired. The user order is
Claims 1 to 6, which have two or more predetermined settlement deadlines, and have settlement deadline information that is information on one settlement deadline selected from two or more settlement deadlines that are discontinuous in time. The server apparatus as described in any one. The user order includes order quantity information indicating that the order is n times (n is a natural number of 1 or more) times the basic unit of the transaction of the financial product,
The settlement unit
The server device according to any one of claims 1 to 7, wherein when the determination unit determines that the user obtains , the settlement is performed with the present value for the order amount indicated by the order amount information. The option purchasing department
4. The server device according to claim 3 , wherein option information corresponding to the user order is configured in synchronization with reception of the user order, and the option information is transmitted to the second server device. The option purchasing department
4. The server device according to claim 3 , wherein option information corresponding to the user order is configured asynchronously with reception of the user order, and the option information is transmitted to the second server device. A fee calculation unit that calculates a fee for the user order and obtains fee information that is information about the fee;
The server apparatus according to claim 5 , wherein the fee information in the fee information storage unit is fee information acquired by the fee calculation unit. The fee calculation unit
12. The server device according to claim 11, wherein a fee for the user order is continuously calculated periodically or irregularly, and fee information that is information relating to the fee is acquired. The fee calculation unit
The server device according to claim 11 or 12, wherein a fee is calculated by an increasing function using a period corresponding to a settlement deadline as a parameter, and fee information that is information relating to the fee is acquired. The financial product is:
The server device according to any one of claims 1 to 13, which is a foreign exchange transaction. A financial product transaction method realized by a server reception unit, a present value acquisition unit, a determination unit, and a settlement unit,
The server receiving unit is an instruction to purchase or sell a financial product whose value fluctuates, and an instruction to purchase or sell a financial product having a first value which is the value of the financial product when the user orders the financial product A server receiving step of receiving from the terminal device a user order that is an instruction to settle when a settlement deadline that is a predetermined deadline is reached;
The present value acquisition unit acquires a present value that is a value of the financial product when a settlement deadline corresponding to the user order indicates;
A determination step in which the determination unit compares the first value of the financial product corresponding to the user order with the present value, and determines whether or not the user gains;
A financial product transaction method comprising: a settlement step in which the settlement unit settles at the present value when it is determined in the determination step that the user obtains a profit. Computer
This is an instruction to purchase or sell a financial product whose value fluctuates, and is an instruction to purchase or sell a financial product of the first value that is the value of the financial product when the user places an order for the financial product. A server receiving unit that receives from the terminal device a user order that is an instruction to settle when the settlement due date is reached,
A present value acquisition unit that acquires a present value that is a value of the financial product when a settlement deadline corresponding to the user order indicates;
A determination unit that compares the first value of the financial product corresponding to the user order with the present value, and determines whether or not the user gains;
Program for when the user determines that the determination unit that the resulting function as the settlement unit that performs settlement the present value.