JP6334645B2 - Information processing device - Google Patents

Description

  The present invention relates to an information processing apparatus.

Traditionally, many financial products, including stocks, are high-risk, so investors generally do not buy only a single financial product, but in the form of a portfolio that combines multiple financial products. To do. Various methods for creating a portfolio have been proposed. For example, a method for determining a portfolio composition ratio based on an investor's investment policy has also been proposed (see, for example, Patent Document 1).
Japanese Patent Application Laid-Open No. 2004-151620 describes a method for providing advice to each investor and simply building a portfolio.

JP 2003-223555 A

  However, there is a demand for simplifying the step of creating a stock portfolio having a desired risk / return balance as compared with the conventional technique including the method described in Patent Document 1.

  The present invention has been made in view of such circumstances, and an object thereof is to further simplify the step of creating a stock portfolio having a desired risk / return balance.

In order to achieve the above object, an information processing apparatus of one embodiment of the present invention provides:
A theme reception means for receiving a theme created by the user;
A combination receiving means for receiving selection of a combination of brands of a plurality of types of financial products linked to the theme;
For each of the accepted combinations, a portfolio creation unit that calculates a purchase ratio for each brand of the financial product and creates a portfolio by a combination of brands of multiple types of financial products linked to the theme;
Is provided.

Further, for each stock of the financial product, a prospect acceptance means for accepting a prospect by a user;
Updating means for updating the purchase ratio based on the accepted prospect;
Can further be provided.

  Moreover, the said portfolio created based on the said theme can further be provided with the public means to open | release to the said other user as the object of the sale between the said user and the other user.

  In addition, the other users can purchase the portfolio published by the user.

  The combination of brands of the financial product may be a combination of brands of stocks, and the stocks may be shares of less than one unit.

  According to the present invention, the step of creating a stock portfolio having a desired risk / return balance can be further simplified.

It is a comparison figure with the outline | summary of the service of the conventional stock trading, and the outline of the service of stock trading realized by applying this invention. 1 is a configuration diagram of an information processing system including a server according to an embodiment of an information processing apparatus of the present invention, that is, an information processing system capable of realizing a stock trading service to which the present invention of FIG. 1 is applied. It is a block diagram which shows the hardware constitutions of the server of FIG. It is a functional block diagram which shows an example of a functional structure for exhibiting the theme selection function of the server of FIG. It is a flowchart explaining the theme selection process which the server of FIG. 4 performs. It is a figure which shows an example of the screen displayed on an investor terminal in the theme selection process of FIG. It is a figure which shows an example of the screen displayed on an investor terminal in the theme selection process of FIG. It is a functional block diagram which shows an example of a functional structure for exhibiting the theme preparation function of the server 1 of FIG. It is a flowchart explaining the theme creation process which the server of FIG. 8 performs. It is a figure which shows an example of the screen displayed on an investor terminal in the theme creation process of FIG. It is a figure which shows an example of the screen displayed on an investor terminal, when an individual investor applies the theme based on an own idea.

First, before describing an embodiment of the present invention, an outline of a stock trading service to which the present invention is applied will be described.
FIG. 1 is a comparison diagram between an overview of a conventional stock trading service and an overview of a stock trading service realized by applying the present invention.

In Japan adopting the unit stock system, a unit stock is determined as a unit of stock trading, and trading is performed for each unit stock. Unit shares are determined for each stock issue in the articles of incorporation of the company issuing the stock.
For this reason, in the conventional stock trading service, as shown in FIG. 1A, the individual investor UI has to buy and sell stock in units of unit stock.
For example, it is assumed that the individual investor U1 purchases stocks stocked by Company A (hereinafter referred to as “Company A stock”) among stocks sold by the securities company S. In this case, if the unit stock preliminarily determined by the articles of incorporation of Company A is 100 shares, individual investor U1 must purchase Company A shares in units of 100 shares.
Further, for example, it is assumed that the individual investor U1 purchases a stock (hereinafter referred to as “B company stock”) whose brand is Company B, which is a stock issuing company. In this case, if the unit stock previously determined by the company B's articles of incorporation is 10 shares, the individual investor U1 must purchase the company B shares in units of 10 shares.
For this reason, in the conventional stock trading service, when individual investor U1 intends to purchase a stock portfolio of Company A stock and Company B stock, 100 units for Company A stock and 10 for Company B stock. It will be purchased in stock units. For this reason, the individual investor U1 had to prepare a set of funds in advance. That is, the individual investor U1 who can purchase the stock portfolio is inevitably limited to those who can afford.

Here, the stock portfolio is a combination of stocks of a plurality of types of stocks, and the purchase ratio (purchase amount as required) for each stock is determined.
The purchase ratio refers to the ratio of purchase with respect to the entire brands constituting the combination when the percentage of purchases of the combination of multiple types of stocks linked to a certain theme is 100%. Specifically, for example, if the combination of multiple types of stocks associated with a certain theme is a combination of two types of stocks of Company A stock and Company B stock, the purchase ratio of Company A stock is 40%. If so, the purchase ratio of Company B shares is 60%. The purchase amount refers to the amount of each stock brand calculated based on the purchase ratio within a preset amount of money per theme.
In the stock portfolio, in order to diversify the risks associated with holding shares, safe assets with low risk due to fixed profits and high-risk assets with high risk that earnings (returns) are uncertain due to fluctuations in market prices And what percentage should be held.
However, as described above, in the conventional stock trading service, those who can purchase the stock portfolio are inevitably limited to those who can afford. For this reason, it was not common to manage assets using a stock portfolio for individual assets that should be protected by diversifying the risks associated with stock ownership. In other words, it was unfamiliar to buy a stock portfolio with conventional stock buying and selling services for individuals who have no financial resources such as office workers, housewives and students.

On the other hand, in the stock trading service to which the present invention is applied, the number of stocks less than one unit stock (hereinafter referred to as “less than one unit stock”) can be dealt with. The number of shares less than one unit is the number of shares less than the unit shares specified in the company's Articles of Incorporation, mainly due to stock splits. Shares less than one unit cannot be bought or sold in the normal stock market, but are subject to trading under the prescribed rules established by the service provider P, such as being subject to relative transactions between the service provider P and individual investors U It can be. That is, the service provider P can buy and sell shares with the securities company S in units of unit shares, while it can buy and sell shares with individual investors U2 and U3 in units of shares of less than one unit.
For example, the service provider P uses the information processing apparatus to which the present invention is applied to purchase 100 unit shares of A company and 10 unit shares of B company from the securities company S. The service provider P makes it possible to buy and sell these stocks in the state of subdivided shares of less than one unit with individual investors U2, U3 and the like.
Thereby, individual investors U2, U3, etc. can purchase a stock portfolio within the range of funds that can be prepared.

Specifically, for example, as shown in FIG. 1B, the individual investor U2 purchases 30 shares of A company's less than one unit share and 6 shares of B company's less than one unit share from the service provider P. Can do. Further, if necessary, the individual investor U2 can sell 10 shares of the company A less than one unit to the service provider P.
Further, for example, the individual investor U3 can purchase 70 shares less than one unit of company A and 4 shares less than one unit of company B from the service provider.
In this way, individual investors U2, U3, etc., who receive the stock trading service to which the present invention is applied, can conduct transactions in units of shares less than one unit with the service provider P. You can easily buy a stock portfolio even if you don't have that much.

  FIG. 2 includes an information processing system capable of realizing a stock trading service to which the present invention is applied as illustrated in FIG. 1B, that is, a server according to an embodiment of the information processing apparatus of the present invention. It is a block diagram of an information processing system.

The information processing system shown in FIG. 2 has a server 1 managed by a service provider P in order to realize a stock trading service to which the present invention is applied as shown in FIG. Each of the investor terminals 2-1 to 2-n is operated by n individual investors (n is an arbitrary integer value) individual investors U1 to Un.
The server 1 and each of the investor terminals 2-1 to 2-n are connected to each other via a network N such as the Internet.
Hereinafter, when there is no need to distinguish between the individual investors U1 to Un and the investor terminals 2-1 to 2-n, these are collectively referred to as “individual investor U”, “investor terminal 2”. Are called each.

The server 1 executes various processes in order to provide a stock trading service to which the present invention is applied as shown in FIG. 1B to an individual investor U who operates the investor terminal 2. To do.
The investor terminal 2 is an information processing apparatus operated by the individual investor U, and is configured by, for example, a smartphone.
The information processing system configured as shown in FIG. 2 performs the following operation (processing), for example.

The investor terminal 2 selects a theme based on the operation of the individual investor U. The server 1 acquires the theme selected by the investor terminal 2.
Here, the theme refers to a concept or theme that is the basis when a combination of stocks of a plurality of types of stocks is selected. Themes can be classified into categories such as the latest topics, news, and events, for example, and can be classified into a plurality of fields according to the contents.

Individual investor U who is a prospective buyer of stock does not purchase a random portfolio of stocks of multiple types as a stock portfolio, but a combination of stocks of multiple types associated with a desired theme. Purchase a structured stock portfolio.
Specifically, for example, if the individual investor U is interested in “drone” and desires to purchase a stock portfolio by combining a plurality of types of stocks linked to “drone”, the investor terminal By operating 2, the “drone” can be selected as a theme.

For example, the individual investor U can select the following theme by operating the investor terminal 2 of FIG.
That is, the individual investor U can select a theme such as “Drone” or “Tokyo Governor Election” from the category “Latest Topics”, for example. For example, the individual investor U can select a theme such as “game” or “Olympic” from the category “news”.
A specific example of theme selection by the individual investor U will be described later with reference to FIG.

When the server 1 acquires the theme from the investor terminal 2, the server 1 selects a combination of stocks of a plurality of types of stocks associated with the acquired theme. Note that stocks of multiple types of stock that are “linked” to a theme are those that have some relationship with the theme, such as providing products or services that are directly or indirectly related to the theme. I mean. For example, if the theme is “drone”, the following stocks of companies can be included in stocks of multiple types of stocks linked to “drone”.
In other words, brands such as drone manufacturing companies, drone transportation service contractors, companies that provide communication means used for drone operations, insurance companies that provide insurance products related to drone accidents, It can be included in stocks that are “linked”.

Information relating to themes (hereinafter referred to as “theme information”) and information relating to stocks (hereinafter referred to as “stock information”) are stored and managed in association with each other by the server 1.
The theme information includes, for each theme, an image indicating the theme, a brief description of the theme, a category to which the theme belongs, a field to which the theme belongs, and the like.
Stock information includes information on stocks such as the number of shares issued and stock prices for each stock, information on the business of the stock and companies such as products and services provided, and themes associated with the stock. It is.

The number of themes associated with one type of stock is not limited to one. Two or more themes can be linked to one stock stock. For example, if company A is a company that undertakes a drone transportation service, and the president of company A is running for the governor's election, company A as a brand may have multiple themes “Drone” and “Tokyo There is a possibility that it will be linked to the “Governor Election”.
Of course, one or more stocks can be linked to one theme. For this reason, when “drone” is acquired as a theme, a combination of one or more types of stocks linked to and managed by the drone is selected.

When the server 1 selects a combination of multiple types of stocks associated with the theme as described above, the server 1 executes the following process. That is, the server 1 uses an initial value of a purchase ratio (hereinafter referred to as “initial purchase ratio”) and an initial value of purchase price (hereinafter referred to as “initial purchase price”) for each stock constituting the stock portfolio based on a predetermined algorithm. Call). Further, the stock portfolio in which the initial purchase ratio and the initial purchase amount for each stock are determined is hereinafter referred to as “initial stock portfolio”.
Note that the calculation method for deriving the initial purchase ratio and the initial purchase amount is not particularly limited. For example, the server 1 quantifies each of the risk and return, and calculates these values as variables to obtain a purchase ratio that takes into account the balance between risk and return (hereinafter referred to as “risk / return balance”) and The purchase amount can also be calculated.

The initial purchase ratio and initial purchase amount calculated as a result of the calculation by the server 1 are invested as a table or a pie chart in which each stock constituting the initial stock portfolio and the initial purchase ratio and initial purchase amount are displayed. It is displayed on the home terminal 2.
At this time, the individual investor U can operate the investor terminal 2 to update the initial purchase ratio and the initial purchase price to the purchase ratio and the purchase price having contents in accordance with his / her preference.
Here, it is troublesome for the individual investor U that the individual investor U decides specific numerical values for the purchase ratio and purchase price for each brand. For this reason, specific numerical values of the purchase ratio and the purchase amount are automatically calculated by the server 1. That is, the individual investor U does not adjust the specific values of the purchase ratio and the purchase amount, for example, the initial purchase ratio and the initial purchase amount to the purchase ratio and purchase amount in accordance with his own approach to risk / return balance. You can also update the amount.
Specifically, for example, the server 1 causes the investor terminal 2 to display a plurality of patterns for updating the initial purchase ratio and the initial purchase amount according to the preference of the individual investor U. Thereby, the individual investor U can easily select, for example, a purchase ratio and a purchase price pattern from a plurality of patterns in accordance with his / her own risk / return balance.

The server 1 acquires the pattern selected by the user U from the investor terminal 2. Then, the server 1 updates the initial purchase ratio and the initial purchase price to the purchase ratio and the purchase price based on the acquired pattern. The server 1 redisplays on the investor terminal 2 a table or pie chart in which each brand constituting the stock portfolio, the updated purchase ratio and the purchase price are displayed.
As a result, individual investor U can set the purchase ratio and the purchase price for each stock by selecting a theme and setting up a stock portfolio consisting of combinations of stocks of multiple types of stock in accordance with the theme. Can be purchased without.

  Thus, the individual investor U can purchase a stock portfolio by selecting an existing theme. In addition, the individual investor U can create a theme and a stock portfolio composed of stocks of a plurality of types of stocks linked to the theme, and make this a target for trading.

The individual investor U creates a theme by operating the investor terminal 2 when creating a theme and a stock portfolio composed of a plurality of types of stocks linked to the theme.
The server 1 receives a theme created by the individual investor U.
The individual investor U operates the investor terminal 2 to select, from the stock information managed by the server 1, a combination of a plurality of types of stocks associated with the theme created by the individual investor U.
The server 1 accepts a combination of multiple types of stocks selected by the individual investor U, and calculates an initial purchase ratio and an initial purchase amount for the combination of multiple types of stocks. Thereby, the server 1 creates an initial stock portfolio.
The server 1 executes control to display the created stock portfolio on the investor terminal 2.

In the initial stock portfolio displayed on the investor terminal 2, an initial value of “forecast” is displayed for each brand. Here, the “outlook” indicates the degree of intention to purchase the selected brand. The individual investor U can select the degree of purchase intention by operating the investor terminal 2 for the prospect for each brand.
When the prospect for each brand is selected by the individual investor U, the server 1 accepts the selection.
The server 1 recalculates the purchase ratio and purchase price based on the contents of the selection. Accordingly, the server 1 updates the stock portfolio by updating the initial purchase ratio and the initial purchase amount.
The server 1 executes control for causing the investor terminal 2 to display the updated stock portfolio.

The server 1 evaluates the risk for each stock portfolio based on a predetermined evaluation standard, and quantifies the evaluation result. The server 1 displays the quantified evaluation result on the investor terminal 2 as a risk level. At this time, the display method of the risk level on the investor terminal 2 by the server 1 is not particularly limited. The numerical value of the evaluation result that has been digitized may be displayed as it is, or the risk level may be displayed using a graphic that is easy for the investor U to grasp visually (for example, shown in the display area X of FIG. 10). Risk level display). Thereby, the individual investor U can grasp | ascertain easily the investment risk for every stock portfolio.
The risk level evaluation method in the server 1 is not particularly limited. For example, based on the information on the stock portfolio stored by the server 1, the risk level can be calculated by relative evaluation using the evaluation of a specific stock portfolio as a reference value.

The server 1 stores and manages information related to the stock portfolio. The information on the stock portfolio can also include information on themes, information on issues, information on past returns, information on the presence or absence of disclosure, and the like.
The server 1 manages trading between the individual investor U and other individual investors U for the created theme and the stock portfolio associated with the theme.
That is, the individual investor U creates a stock portfolio for a combination of stocks of multiple types of stocks that he / she wishes to invest in, and a theme associated with the stock portfolio, and sells them easily to other individual investors U Can do. The individual investor U can also purchase a theme created by another individual investor U and a stock portfolio associated with the theme.

  FIG. 3 is a block diagram showing a hardware configuration of the server 1 in the information processing system of FIG.

  The server 1 includes a CPU (Central Processing Unit) 101, a ROM (Read Only Memory) 102, a RAM (Random Access Memory) 103, a bus 104, an input / output interface 105, an output unit 106, an input unit 107, A storage unit 108, a communication unit 109, and a drive 110.

The CPU 101 executes various processes according to a program recorded in the ROM 102 or a program loaded from the storage unit 108 to the RAM 103.
The RAM 103 also stores data necessary for the CPU 101 to execute various processes as appropriate.

  The CPU 101, ROM 102, and RAM 103 are connected to each other via a bus 104. An input / output interface 105 is also connected to the bus 104. An output unit 106, an input unit 107, a storage unit 108, a communication unit 109, and a drive 110 are connected to the input / output interface 105.

The output unit 106 includes a display, a speaker, and the like, and outputs various types of information as images and sounds.
The input unit 107 includes a keyboard, a mouse, and the like, and inputs various information.

The storage unit 108 includes a hard disk, a DRAM (Dynamic Random Access Memory), and the like, and stores various data.
The communication unit 109 communicates with other devices (in the example of FIG. 2, the investor terminal 2) via the network N including the Internet.

A removable medium 120 made of a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is appropriately attached to the drive 110. The program read from the removable medium 120 by the drive 110 is installed in the storage unit 108 as necessary.
The removable medium 120 can also store various data stored in the storage unit 108 in the same manner as the storage unit 108.

  Although not shown, the investor terminal 2 of the information processing system in FIG. 1 has basically the same configuration as the hardware configuration shown in FIG.

  FIG. 4 is a functional block diagram showing an example of a functional configuration for causing the server 1 to select a theme in the information processing system of FIG.

In the CPU 101 of the server 1, a DB management unit 301, a selected theme acquisition unit 302, a combination selection unit 303, a portfolio creation unit 304, a pattern acquisition unit 305, and a display control unit 306 function.
A stock DB 401 and a theme DB 402 are provided in one area of the storage unit 108 (FIG. 3).

  In the server 1, the DB management unit 301 stores and manages one or more pieces of stock information in the stock DB 401. The DB management unit 301 stores and manages one or more pieces of theme information in the theme DB 402.

The selected theme acquisition unit 302 acquires the theme selected by the investor terminal 2 based on the operation of the individual investor U.
The combination selection unit 303 selects a combination of multiple types of stocks associated with the acquired theme. Specifically, the combination selection unit 303 selects a combination of stocks of a plurality of types of stocks associated with a theme based on stock information and theme information managed by the DB management unit 301.

The portfolio creation unit 304 calculates an initial purchase ratio and an initial purchase amount for each brand for a combination of multiple types of stocks selected by the combination selection unit 303.
Here, the portfolio creation unit 304 calculates an initial purchase price for each brand within a preset range of the price per theme. For example, when the preset amount per theme is 100,000 yen, the portfolio creation unit 304 calculates the total initial purchase amount for each brand to be within 100,000 yen.
Thereby, the individual investor U can efficiently purchase the stock portfolio within the range of his / her budget.
Further, the portfolio creation unit 304 recalculates the purchase ratio and the purchase amount based on the pattern acquired by the pattern acquisition unit 305 described later. Thereby, the initial purchase ratio and the initial purchase amount are updated.
That is, the portfolio creation unit 304 creates a stock portfolio by calculating the purchase ratio and purchase price for each brand. In addition, the portfolio creation unit 304 updates the stock portfolio by recalculating the purchase ratio and purchase price for each brand.

The individual investor U can select one pattern from a plurality of patterns by operating the investor terminal 2.
When one pattern is selected from the plurality of patterns by the investor terminal 2, the pattern acquisition unit 305 acquires the selected pattern.

The display control unit 306 executes control for causing the investor terminal 2 to display the stock portfolio created by the portfolio creation unit 304. Specifically, the display control unit 306 executes control for causing the investor terminal 2 to display a table or a pie chart in which each brand constituting the stock portfolio, its purchase ratio and purchase price are displayed.
In addition, the display control unit 306 executes control for displaying a plurality of patterns on the investor terminal 2.
As a result, the individual investor U can easily grasp and select the purchase ratio and purchase price pattern that suit his / her preference.

Next, a series of processes (hereinafter referred to as “theme selection process”) from when the server 1 acquires the theme until the investor terminal 2 outputs the purchase ratio and purchase price of the stock desired by the individual investor U. ).
FIG. 5 is a flowchart for explaining the theme selection process executed by the server 1.

In step S <b> 1, the selected theme acquisition unit 302 determines whether an operation for selecting a theme has been performed on the investor terminal 2.
If the operation for selecting a theme is not performed on the investor terminal 2, it is determined as NO in Step S1, and the process returns to Step S1. That is, the determination process in step S1 is repeated until an operation for selecting a theme is performed on the investor terminal 2. Thereafter, when an operation for selecting a theme is performed at the investor terminal 2, it is determined as YES in Step S1, and the process proceeds to Step S2.

In step S2, the selected theme acquisition unit 302 acquires the theme selected by the investor terminal 2 in step S1.
In step S3, the combination selection unit 303 selects a plurality of types of stocks associated with the theme based on the stock information managed by the DB management unit 301 and the theme information about the theme acquired in the process of step S2. Select a brand combination.

In step S4, the portfolio creation unit 304 calculates an initial purchase ratio and an initial purchase amount for a combination of multiple types of stocks selected in the process of step S3. That is, the initial stock portfolio is created by the portfolio creation unit 304.
In step S5, the display control unit 306 executes control for causing the investor terminal 2 to display the initial purchase ratio and the initial purchase price, which are the results calculated in the process of step S4. That is, the initial stock portfolio is displayed on the investor terminal 2 by the display control unit 306.

In step S <b> 6, the display control unit 306 executes control for causing the investor terminal 2 to display a plurality of patterns.
In step S <b> 7, the pattern acquisition unit 305 determines whether an operation for selecting a pattern has been performed on the investor terminal 2.
When the operation for selecting the pattern is not performed on the investor terminal 2, it is determined as NO in Step S7, and the process ends.
When an operation for selecting a pattern is performed on the investor terminal 2, it is determined as YES in Step S7, and the process proceeds to Step S8.

In step S8, the pattern acquisition unit 305 acquires the pattern selected by the investor terminal 2 in step S7.
In step S9, the portfolio creation unit 304 recalculates the purchase ratio and the purchase amount based on the pattern acquired in the process of step S8. As a result, the initial purchase ratio and the initial purchase amount are updated. That is, the portfolio creation unit 304 updates the initial stock portfolio.
In step S10, the display control unit 306 executes control for causing the investor terminal 2 to display the stock portfolio updated in the process of step S9. Thus, the process ends.
In this way, the individual investor U operates the investor terminal 2 to select a desired theme, and to obtain the theme and the stock portfolio associated with the theme, the purchase ratio for each brand and the initial value. Purchases can be made without setting the purchase price.

6 and 7 are diagrams illustrating an example of a screen displayed on the investor terminal 2 in the theme selection process described with reference to FIG.
FIG. 6 is an example of a screen displayed on the investor terminal 2 in order to allow the individual investor U to select a theme.
In the investor terminal 2, a plurality of themes are classified and displayed in a plurality of categories so that the individual investor U can easily select the theme in step S1 of FIG. As shown in FIG. 6, the specific screen structure is displayed for each of the categories divided into “latest topic”, “news”, “investor-created theme”, and “everyone's theme”. It consists of category display areas C1 to C34. In each of the category display areas C1 to C34, buttons T indicating a plurality of themes belonging to each category are displayed.
For example, a button T indicating a theme such as “Drone”, “Tokyo Governor Election”, “Game”, or the like is displayed in the category area C1 indicating “latest topic”. In the category area C2 indicating “News”, buttons T indicating themes such as “Olympic”, “Typhoon”, and “Earthquake” are displayed.
In addition, a button T indicating a theme created by the individual investor U is displayed in the category area C3 indicating “investor created theme”. For example, a button T indicating a theme such as “IoT”, “Koshien”, or “Hybrid car” is displayed. The creation of the theme by the individual investor U will be described later with reference to FIGS.
In addition, in the category area C4 indicating “everyone's theme”, a theme in which a stock portfolio is created by the server 1 for a theme having a large number of votes by a general vote among a plurality of themes applied by the individual investor U is displayed. A button T is displayed. At this time, the risk level and past returns can be displayed inside the button T. Specifically, for example, a button T indicating a theme such as “British EU withdrawal”, “IoT”, “Yoga” or the like is displayed. And inside the button T indicating “Leaving UK EU”, a figure indicating that the risk level is “high” and a numerical value indicating that the past return is “+ 44.00%” in the past year. Is displayed. In addition, inside the button T indicating “IoT”, there is a figure indicating that the risk level is “medium” and a numerical value indicating that the past return is “+ 32.80%” in the past year. Is displayed. In addition, inside the button T indicating “yoga”, there is a figure indicating that the risk level is “medium” and a numerical value indicating that the past return is “+ 29.30%” in the past year. Is displayed.
A method for applying a theme by the investor U and a general voting method for a plurality of themes applied by the investor U will be described later with reference to FIG.

Next, a case where the individual investor U selects “Drone” among the themes belonging to “Latest Topic” as the theme will be described in correspondence with the theme selection processing of FIG.
When the individual investor U selects “Drone” (hereinafter, simply referred to as “Drone”) as the theme in Step S1 of FIG. 5, “Drone” belonging to the category area C1 indicating “Latest Topic” of FIG. ”Button T is pressed.
When the button T indicating “Drone” is pressed, the theme acquisition unit 302 of the server 1 acquires “Drone” in Step S2 of FIG. At this time, in step S <b> 3 of FIG. 5, the combination selection unit 303 selects a combination of stocks of a plurality of types associated with “drone”. Next, in step S4 of FIG. 5, the portfolio creation unit 304 creates an initial stock portfolio by calculating the initial purchase ratio and the initial purchase price for a plurality of types of stocks linked to “drone”.

Next, in step S5 of FIG. 5, the display control unit 306 executes control for causing the investor terminal 2 to display the contents of the created initial stock portfolio. 5, the display control unit 306 causes the investor terminal 2 to display a button for selecting a pattern that matches the preference of the individual investor U.
FIG. 7 shows an example in which the investor terminal 2 makes the investor terminal 2 check the initial value of the stock portfolio and select a pattern for updating the stock portfolio as necessary in step S7 of FIG. It is an example of the screen displayed.
As shown in FIG. 7, the specific screen configuration includes a display area K, a display area L, a display area M, a display area F, a display area Q, and a display area R.

The theme is displayed in the display area K. Specifically, characters and images indicating “drone” are displayed. In addition to the categories, the fields to which the theme belongs can be provided in advance in each hierarchy, and the fields to which “drone” belongs, such as “energy” and “technology”, can be displayed in the display area K. In the display area K, the risk level, the past return, and the operation period as a guide can be displayed.
In the display area L, the number of companies to be invested and the explanatory text of the theme are displayed. Specifically, the number of companies related to “drone” and a brief explanation about “drone” are displayed. For example, “Invest in 10 companies related to unmanned aerial vehicles (drones). Unmanned aerial vehicles (drones) were originally developed for military use, but nowadays they are also active in the world of logistics and entertainment. "There is a view that the market size of Japan will exceed 1.5 billion yen next year and 40 billion yen in 10 years," and the text is displayed along with the theme. Thereby, the individual investor U can grasp | ascertain the number of the companies used as an investment destination, and the simple outline | summary of a theme.

In the display area M, a table showing the breakdown of the theme is displayed. Specifically, a table showing the breakdown of stocks of a plurality of types of stock constituting the stock portfolio associated with “drone” is displayed. For example, a table showing brands, purchase ratio, number of shares, and purchase price is displayed. In the example of FIG. 7, ten types of brands associated with “drone” are selected by the portfolio creation unit 304. Specifically, the brand “A Co., Ltd.” has the top purchase ratio of “26.2%”, the number of shares is “28 shares”, and the purchase price is “26,264 yen”. It can also be seen that the brand “B Corporation” has the second purchase ratio of “24.98%”, the number of shares is “80 shares”, and the purchase price is “25,040 yen”. In addition, it can be seen that the brand “C Corporation” has the third purchase ratio of “10.34%”, the number of shares is “6 shares”, and the purchase price is “10,368 yen”. Note that the purchase ratio, the number of shares, and the purchase price for 7 types of stocks (D Corporation, Company E, etc.) other than these 3 types are as shown in the display area M of FIG. It is.
In the display area F, the purchase ratio for each brand is displayed as a pie chart. Specifically, the pie chart of the purchase ratio of each stock constituting the stock portfolio, the subtotal of the investment amount when purchasing the stock portfolio linked to the “drone”, the transaction fee, and the total of these amounts (Price) is displayed.
As a result, the individual investor U can confirm the contents displayed in the display area M and the display area F at a glance to understand the purchase ratio in the stock portfolio and the cost required for the purchase. This can be used as a useful judgment material at the time of investment.

In the display area Q, a plurality of patterns are displayed. Specifically, in step S7 of FIG. 5, a plurality of buttons for selecting a pattern that matches the preference of the individual investor U is displayed. Specifically, for example, in the example of FIG. 7, buttons indicating four types of patterns are displayed in the display area Q as buttons for selecting a pattern that matches the preference of the individual investor U.
That is, the individual investor U presses a button having a pattern of “balance emphasis” when he / she wants to emphasize the balance between risk and return. Then, in step S <b> 8 of FIG. 5, the pattern acquisition unit 305 acquires the selected “balance-oriented” pattern. In step S9 of FIG. 5, the portfolio creation unit 304 converts the initial purchase ratio and the initial purchase price into the purchase ratio and the purchase price based on the idea of emphasizing the balance between risk and return in the pattern of “balance-oriented”. Update.
Further, when the individual investor U wants to emphasize the small risk, the individual investor U presses a button having a pattern of “risk minimization”. Then, in step S8 of FIG. 5, the pattern acquisition unit 305 acquires the selected pattern “risk minimization”. In step S9 of FIG. 5, the portfolio creation unit 304 sets the initial purchase ratio and the initial purchase price based on the concept of “risk minimization” with an emphasis on minimizing risk. Update to
Further, when the individual investor U wants to emphasize the growth of the brand, the individual investor U presses a button having a pattern of “emphasis on growth”. Then, in step S <b> 8 of FIG. 5, the pattern acquisition unit 305 acquires the selected “growth-oriented” pattern. In step S9 of FIG. 5, the portfolio creation unit 304 updates the initial purchase ratio and the initial purchase price to the purchase ratio and the purchase price based on the idea of emphasizing the growth of the brand in the pattern of “emphasis on growth”. To do.
Further, when the individual investor U wants to emphasize the discount of the brand, the individual investor U presses a button having a pattern of “emphasis on discount”. Then, in step S <b> 8 of FIG. 5, the pattern acquisition unit 305 acquires the selected pattern “emphasis on cheapness”. In step S9 of FIG. 5, the portfolio creation unit 304 updates the initial purchase ratio and the initial purchase price to the purchase ratio and the purchase price based on the idea of emphasizing the cheapness of the brand in the pattern of “emphasis on cheapness”. To do.

In this way, when the individual investor U selects a pattern that matches his / her preference, the portfolio creation unit 304 purchases the initial purchase ratio and the initial purchase price based on the pattern that matches the preference of the individual investor U. Update to ratio and purchase price. This updates the stock portfolio.
When the stock portfolio is updated, the display control unit 306 executes control to display the updated stock portfolio on the investor terminal 2 in step S10 of FIG.

  In this way, the individual investor U can set the purchase ratio and the purchase amount for each stock by setting the stock portfolio by combining the stocks of multiple types of stocks in accordance with the theme simply by selecting the theme. Can be purchased without.

  In the display area R, operation buttons, information on individual investors U, and the like are displayed. Specifically, for example, in the display area R, the amount of money that the individual investor U can spend for purchasing the stock portfolio, the purchase history of the stock portfolio, and the like can be displayed.

Next, with reference to FIGS. 8 to 10, a method in which the individual investor U creates a theme and buys and sells the theme and a stock portfolio associated with the theme will be described.
FIG. 8 is a functional block diagram showing an example of a functional configuration for exhibiting the theme creation function of the server 1 of FIG.

  In the CPU 101 of the server 1, the DB management unit 301, the portfolio creation unit 304, and the display control unit 306 function in the same manner as the functional configuration shown in FIG. In the functional configuration illustrated in FIG. 8, the creation theme reception unit 310, the combination reception unit 311, the prospect reception unit 312, the trade management unit 313, and the risk level evaluation unit 314 further function.

Similar to the functional configuration shown in FIG. 4, the DB management unit 301 stores and manages one or more pieces of stock information in the stock DB 401. The DB management unit 301 stores and manages one or more pieces of theme information in the theme DB 402. Further, in the functional configuration shown in FIG. 8, the DB management unit 301 further stores and manages information on one or more stock portfolios in the portfolio DB 403.
The created theme reception unit 310 receives a theme created by the individual investor U operating the investor terminal 2. Details of specific operations for the individual investor U to create a theme will be described later with reference to FIG.
The combination accepting unit 311 accepts a combination of multiple types of stocks selected by the individual investor U from the stock information stored in the stock DB 401.

The portfolio creation unit 304 calculates an initial purchase ratio and an initial purchase amount for a combination of a plurality of types of stocks accepted. Thereby, the portfolio creation unit 304 creates an initial stock portfolio.
Further, when the prospect acceptance unit 312 described later receives a selection of prospects for each issue, the portfolio creation unit 304 recalculates the purchase ratio and the purchase amount based on the prospects, and updates the initial purchase ratio and the initial purchase amount. . Thereby, the portfolio creation unit 304 updates the stock portfolio.

The display control unit 306 executes control for causing the investor terminal 2 to display the stock portfolio created by the portfolio creation unit 304, similarly to the functional configuration shown in FIG.
The prospect reception part 312 receives the selected prospect, when the individual investor U operates the investor terminal 2 and the prospect for every brand is selected. A specific method for the individual investor U to select the prospect will be described later with reference to FIG.

  The trading management unit 313 manages trading between individual investors U who trade the created theme and the stock portfolio associated with the theme. Specifically, for example, investor terminals 2-2 to 2 in which individual investors U2 to Un other than the individual investor U1 operate a theme created by the individual investor U1 and a stock portfolio associated with the theme. The control to display also on -n is executed. Thereby, the individual investors U2 to Un can purchase the theme created by the individual investor U1 and the stock portfolio associated with the theme. Similarly, the individual investor U1 can purchase a theme created by the individual investors U2 to Un and a stock portfolio associated with the theme.

The risk level evaluation unit 314 evaluates the risk for each stock portfolio based on a predetermined evaluation standard, and quantifies the evaluation result. The display control unit 306 displays the quantified evaluation result on the investor terminal 2 as a risk level. In addition, the risk level evaluation method by the risk level evaluation unit 314 is not particularly limited. For example, among the information on a plurality of stock portfolios stored in the portfolio DB 403, it can be calculated by a relative evaluation using an evaluation for a specific stock portfolio as a reference value.
Thereby, the individual investor U can grasp | ascertain easily the investment risk for every stock portfolio.

Next, after the server 1 accepts the theme created by the investor terminal 2 based on the operation of the individual investor U, the theme that the individual investor U wants to create in the investor terminal 2 and the theme A series of processes until the attached stock portfolio is output (hereinafter referred to as “theme creation process”) will be described.
FIG. 9 is a flowchart illustrating theme creation processing executed by the server 1.

In step S <b> 21, the creation theme reception unit 310 determines whether an operation for creating a theme has been performed on the investor terminal 2.
If an operation for creating a theme is not performed in the investor terminal 2, it is determined as NO in Step S21, and the process returns to Step S21. That is, the determination process in step S21 is repeated until the investor terminal 2 performs an operation for creating a theme. Thereafter, when an operation for creating a theme is performed in the investor terminal 2, it is determined as YES in Step S21, and the process proceeds to Step S22.

In step S22, the creation theme reception unit 310 accepts the theme created by the operation of the investor terminal 2 in step S21.
In step S <b> 23, the combination receiving unit 311 determines whether or not an operation for selecting a plurality of stock brands has been performed on the investor terminal 2.
When the operation of selecting a plurality of stocks is not performed at the investor terminal 2, it is determined as NO in Step S23, and the process returns to Step S23. That is, the determination process of step S23 is repeated until an operation for selecting a plurality of stocks is performed at the investor terminal 2. Thereafter, when an operation of selecting a plurality of stocks is performed at the investor terminal 2, it is determined as YES in Step S23, and the process proceeds to Step S24.

In step S24, the portfolio creation unit 304 calculates an initial purchase ratio and an initial purchase amount for a combination of stock brands accepted in step S22. That is, the portfolio creation unit 304 creates an initial stock portfolio.
In step S25, the display control unit 306 executes control for causing the investor terminal 2 to display the initial purchase ratio and the initial purchase amount created in the process of step S22. That is, the display control unit 306 executes control to display the initial stock portfolio on the investor terminal 2. At this time, the stock portfolio displayed on the investor terminal 2 displays a button for allowing the individual investor U to select a prospect for each brand. The specific contents of the button for allowing the individual investor U to select the prospect for each brand will be described later with reference to FIG.

In step S <b> 26, the prospect reception unit 312 determines whether or not an operation for selecting a prospect for each brand has been performed in the investor terminal 2.
When the operation for selecting the prospect for each brand is not performed at the investor terminal 2, it is determined as NO in Step S26, and the process ends. In this case, the content of the stock portfolio displayed on the investor terminal 2 remains the initial value.
When an operation for selecting a prospect for each brand is performed on the investor terminal 2, it is determined as YES in Step S26, and the process proceeds to Step S27.

In step S <b> 27, the prospect acceptance unit 312 accepts the selection result when the prospect is selected by the individual investor U operating the investor terminal 2.
In step S28, the portfolio creation unit 304 recalculates the purchase ratio and the purchase amount based on the prospect selection result accepted in step S22. Thereby, the portfolio creation unit 304 updates the initial purchase ratio and the initial purchase amount of the stock portfolio.
In step S29, the display control unit 306 executes control for causing the investor terminal 2 to display the stock portfolio updated in the process of step S22. Thus, the process ends.

Next, the specific operation content for the individual investor U to create the theme will be described with reference to the example of the screen displayed on the investor terminal 2 in correspondence with the theme creation processing of FIG.
FIG. 10 is a diagram showing an example of a screen displayed on the investor terminal 2 so that the individual investor U can easily create a theme in step S21 of FIG.

As shown in FIG. 10, the specific screen configuration includes a display area V, a display area W, a display area X, a display area Y, and a display area Z.
In the display area V, an entry field for the individual investor U to input basic information on the theme is displayed in step S21 of FIG. Specifically, in the display area V, a field for inputting a theme name, a button for selecting a category to which the theme belongs, and an individual investor U spends purchasing a predetermined theme and a stock portfolio associated with the theme. A field for inputting an available amount (a field for the amount per theme), a field for inputting a brief explanation about the theme, and a field for uploading an image indicating the theme are displayed.
The individual investor U creates a theme by inputting the basic information of the display area V. Specifically, the individual investor U operates, for example, the investor terminal 2 when the theme is “IoT” and the purchase amount per theme is “100,000 yen”. Thus, the following input is performed. That is, the individual investor U enters “IoT” in the theme name column, enters “100,000” in the amount of money per theme, and simply describes IoT in the explanation column. Enter a brief description. The individual investor U can also select a category to which the theme “IoT” belongs and upload an image indicating the theme. At this time, in step S <b> 22 of FIG. 9, the created theme reception unit 310 receives the theme created by the individual investor U.
In this way, the individual investor U can create an original theme. At this point, stock portfolios have not yet been created because multiple types of stocks are not linked to the theme.

In the display area W, a list of brands selected by the individual investor U is displayed. The individual investor U selects a combination of multiple types of stocks linked to the theme “IoT”. Specifically, the individual investor U selects and adds a brand associated with the entered keyword by entering the keyword in the “add brand” column displayed in the display area W. At this time, in step S <b> 23 of FIG. 9, the combination receiving unit 311 receives a combination of a plurality of brands selected by the individual investor U. Thereby, the individual investor U can freely select and add a plurality of stocks that he / she wishes to invest in.
For example, in the example of “selected brand list” displayed in the display area W, the following nine kinds of brands are selected by the individual investor U.
That is, the identification code “6701”, the name “A Corporation”, the identification code “6702”, the name “B Corporation”, the identification code “7013”, and the name “C Stock” A brand called “Company”, a brand whose identification code is “6301”, a name whose name is “D Corporation”, a brand whose identification code is “7911”, whose name is “E Corporation”, and whose identification code is “6724” "F Corporation", the identification code is "4205", the name is "G Corporation", the identification code is "7422", the name is "H Corporation", the identification code is "5632", the name Is selected as “I Corporation”.
As shown in the display area W, a delete button for deleting the selected brand can be provided. Thereby, the individual investor U can add or delete a brand suitably.

When a combination of multiple types of stocks is selected by the individual investor U, the portfolio creation unit 304 calculates an initial purchase ratio and an initial purchase amount in step S24 of FIG. In step S25 of FIG. 9, the display control unit 306 executes control for causing the investor terminal 2 to display the initial stock portfolio. Specifically, the number of shares based on the initial purchase ratio is displayed in the “Number of shares” column of “Selected list of stocks” in the display area W, and the initial purchase price for each brand is displayed in the “Purchase price” column. The
In the example shown in FIG. 10, the brand “A Corporation” is displayed with the number of shares “180 shares” and the purchase amount “12,684 yen”. The brand “B Co., Ltd.” is displayed with the number of shares as “130 shares” and the purchase amount as “3,160 yen”. The brand “C Corporation” is displayed with the number of shares as “100 shares” and the purchase amount as “6,360 yen”. The brand “D Corporation” is displayed with the number of shares “80 shares” and the purchase amount “2,130 yen”. The brand “E Co., Ltd.” is displayed with the number of shares “70 shares” and the purchase amount “4,226 yen”. The brand “F Corporation” is displayed with the number of shares “40 shares” and the purchase amount “2,130 yen”. The brand “G Co., Ltd.” is displayed with the number of shares as “60 shares” and the purchase amount as “3,160 yen”. The brand “H Co., Ltd.” is displayed with the number of shares as “30 shares” and the purchase amount as “2,123 yen”. The brand “I Co., Ltd.” is displayed with the number of shares as “30 shares” and the purchase amount as “2,120 yen”.

In the display area X, a pie chart displaying each brand constituting the stock portfolio and the purchase ratio for each brand is displayed. Further, below the pie chart displayed in the display area X, a graphic indicating the risk level is displayed. In the example shown in FIG. 10, the risk level is “medium”. The purchase ratio of the brand “A Co., Ltd.” with the highest purchase ratio is “33.3%”. The purchase ratio of the brand “C Corporation” with the second highest purchase ratio is “16.7%”. The purchase ratio of the brand “E Inc.” with the third highest purchase ratio is “11.1%”. The purchase ratios of other brands are as shown in the pie chart displayed in the display area X.
As a result, the individual investor U can easily grasp the purchase ratio of the stock portfolio he / she created, the purchase price of the stock portfolio, and the level of investment risk.

When the initial stock portfolio is displayed on the investor terminal 2, the individual investor U can select a prospect for each stock constituting the stock portfolio in step S26 of FIG. Specifically, the individual investor U can select the prospect for each issue by pressing the selection button in the “forecast” column in the “selected issue list” in the display area W. For example, the prospects for each brand such as “bullish”, “slightly bullish”, and “normal” can be selected.
When the prospect is selected by operating the investor terminal 2 by the individual investor U, the prospect acceptance unit 311 accepts an operation for selecting the prospect by the individual investor U in step S27 of FIG. Specifically, after selecting a prospect for each brand, the individual investor U presses a button “optimize portfolio” displayed below the pie chart in the display area X. As a result, the prospect acceptance unit 311 accepts an operation for selecting a prospect by the individual investor U. In step S28 of FIG. 9, the portfolio creation unit 304 recalculates the purchase ratio and purchase amount based on the selected prospect. This updates the stock portfolio. For example, for a stock for which “bullish” is selected as the prospect, the purchase ratio and the purchase amount are set to be relatively high.

Further, when the individual investor U wants to minimize the risk, the individual investor U can also update the initial purchase ratio and the initial purchase price to the purchase ratio and the purchase price based on the idea of minimizing the risk. In this case, the individual investor U presses a button “minimize risk” arranged below the pie chart in the display area X. At this time, the portfolio creation unit 304 updates the stock portfolio by recalculating the purchase ratio and the purchase amount so that the investment risk is the lowest.
In this way, the individual investor U can create a stock portfolio with the risk / return balance desired by himself / herself by performing a simple operation without considering the number of stocks for each issue.

  In the display area Y, past returns are displayed. As illustrated in the display area Y of FIG. 10, investment returns for each past stock portfolio can be displayed in a time-series line graph as “past returns”. In the example of FIG. 10, the vertical axis represents the investment return of the theme “IoT” in the past month, and the horizontal axis represents time. In addition, as illustrated in FIG. 10, the Nikkei average investment return is also shown in a line graph, the investment return for the past year (−25.40% in the example shown in FIG. 10), the investment return for the past month ( The investment return (+ 0.13% in the example shown in FIG. 10) compared with the previous day can be displayed numerically.

In the display area Z, a selection button for handling the theme is displayed.
The individual investor U can select whether or not to open the stock portfolio associated with the theme “IoT” created by the individual investor U to other individual investors U. Specifically, the individual investor U presses one of the “not open” button and the “open” button displayed in the display area Z. When the “not open” button is pressed by the individual investor U, the stock portfolio associated with the theme “IoT” created by the individual investor U is not disclosed to other individual investors U. On the other hand, when the “Publish” button is pressed by the individual investor U, the stock portfolio associated with the theme “IoT” created by the individual investor U is disclosed to other individual investors U, and the individual investors U It becomes the object of buying and selling between U.

  The individual investor U can also purchase a stock portfolio associated with the theme “IoT” created by himself / herself. Specifically, the individual investor U can purchase a stock portfolio associated with the theme “IoT” created by himself / herself by pressing a “Purchase” button displayed in the display area Z.

The individual investor U can also save a draft of the stock portfolio associated with the theme “IoT” being created. Specifically, the individual investor U can press the “Save draft” button displayed in the display area Z to save the stock portfolio associated with the theme “IoT” being created. At this time, the stock portfolio associated with the theme “IoT” is stored in the portfolio DB 403 of the server 1.
In this way, the individual investor U creates a stock portfolio with the risk / return balance he / she desires by performing simple operations without considering the number of stocks for each issue, and sells them. It can be.

The individual investor U can apply to the service provider P for a new theme based on his own idea. In this case, the service provider P can make the theme applied by the individual investor U (hereinafter referred to as “application theme”) the subject of the general vote, and is tied to the application theme that has received a large number of votes in the general vote. A stock portfolio can be created.
FIG. 11 is a diagram illustrating an example of a screen displayed on the investor terminal 2 when the individual investor U applies for a theme based on his / her idea.

As shown in FIG. 11, the specific screen configuration includes a display area D and a display area E.
In the display area D, the period during which the individual investor U can apply for a theme based on his / her idea, the period during which a general vote for a plurality of applied themes is held, and the result of the general vote The announcement date is displayed. Specifically, for example, the period of “recruitment of ideas”, which is a period in which the individual investor U can apply for a theme based on his / her own idea, can be set to “9/1 to 20”. In addition, the period of “voting time”, which is the period during which general voting for the application theme is held, is set to “9 / 21-30”, and the date of “result announcement”, which is the date when the result of general voting is announced It can be “10/1”.
The individual investor U applies a theme based on his / her idea during the period “9/1 to 20” to the server 1 managed by the service provider P by operating the investor terminal 2. Then, during the period “9/21 to 30”, the server 1 conducts a general vote for the application theme, and announces the result of the general vote to “10/1”. In addition, the implementation method of general vote is not specifically limited. For example, a general vote may be implemented by providing a predetermined general vote Web site on the Internet.

In the display area E, a field for inputting a theme that the individual investor U intends to apply for is displayed. Specifically, for example, a field for inputting a theme name of a theme to be applied, a field for inputting a comment about the theme, and a button for applying the theme are displayed.
The individual investor U inputs a theme name of a theme to be applied and a comment about the theme in these input fields displayed in the display area E, and presses a button for applying the theme. Thereby, the application theme applied by the individual investor U is transmitted from the investor terminal 2 to the server 1.
The server 1 acquires the application theme transmitted from the investor terminal 2 and performs the above-described general vote. Specifically, although not shown, the application theme is acquired by an application theme acquisition unit provided in the server 1. Moreover, although not shown in figure, the some application theme acquired by the application theme acquisition part becomes the object of the general vote implemented by the general vote implementation part with which the server 1 is provided.
A stock portfolio is created by the portfolio creation unit 304 of the server 1 and displayed on the investor terminal 2 for the application theme that has acquired a predetermined number of votes by the general vote conducted by the general vote implementation unit of the server 1. Specifically, it is displayed as “everybody's theme” in the category display area C4 shown in FIG. As a result, an individual investor U who applied for an application theme that has obtained a predetermined number of votes in a general vote, for example, if there is no other legal regulation, the stock portfolio linked to the application theme is transferred to another individual investment. You can sell it to the house U, or you can purchase the application theme and the stock portfolio associated with the application theme.
Further, for example, the service provider P may sell another application portfolio based on the application theme itself or a theme based on the application theme itself to another individual investor U. In this case, the service provider P may return a part of the profit to the individual investor U who applied for the application theme that has obtained a predetermined number of votes in the general vote. Further, for example, the service provider P may be allowed to do nothing for the individual investor U.

  In the above example, each individual investor U freely selects an application theme. However, the present invention is not particularly limited thereto. For example, the service provider P determines a certain standard or range, and each individual investor U May choose an application theme within its standards and scope. Specifically, for example, the service provider P prepares a format for selecting companies from a certain range in advance, and each individual investor U selects a company using the format, and the selected company, etc. You may apply for a theme that includes.

  Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and modifications, improvements, and the like within the scope that can achieve the object of the present invention are included in the present invention. It is.

For example, in the above-described embodiment, the stocks of a plurality of types of stock constituting the stock portfolio are described on the assumption that the stock is less than one unit, but it is not necessary to be a stock of less than one unit, and may be a unit stock.
In the above-described embodiment, the description is given on the assumption that the service is provided to the individual investor, but the institutional investor may be included in the service providing destination without being limited to the individual investor.
Further, the screen configuration displayed on the investor terminal 2 shown in FIG. 6 is merely an example, and is not limited to the example of FIG. For example, categories other than “latest topic”, “news”, and “investor creation theme” illustrated in FIG. 6 may be employed.

Moreover, the screen structure displayed on the investor terminal 2 shown in FIG.7 and FIG.10 is an illustration to the last, and is not limited to the example of FIG.7 and FIG.10. Screen configurations other than the screen configurations illustrated in FIGS. 7 and 10 may be employed. For example, in the example of FIG. 10, the individual investor U can delete the selected brand from the “selected brand list” by pressing the “delete” button in the display area W. You may provide the button (display ON / OFF function) which selects whether a brand is displayed on a list, without providing.
In FIGS. 7 and 10, each brand constituting the portfolio and its purchase ratio and purchase price are displayed in a list and a pie chart. However, the present invention is not limited to the embodiment, and each brand constituting the portfolio If the purchase ratio and the purchase price are displayed, the display form is not limited.

Further, in the above-described embodiment, a method for dealing with a theme and a stock portfolio associated with the theme has been described. However, the present invention is not limited to buying and selling, for example, a theme and a stock portfolio associated with the theme are gift cards or the like. It is also possible to make a gift for others in the form of Note that the present invention is not limited to a theme and a stock portfolio associated with the theme, and a unit of unit stock or a unit of less than one unit can also be a gift for others in the form of a gift card or the like.
Further, in the above-described embodiment, the initial purchase ratio and the initial purchase price are set to the purchase ratio and the purchase price that match the preference of the individual investor U by pressing the buttons indicating the four types of patterns shown in FIG. Updated. However, the patterns are not limited to four types. For example, the risk that can be accepted by the individual investor U may be input in a bar format, or may be input by a number (for example, 0 to 100).
In the above-described embodiment, the initial purchase ratio and the initial purchase amount, which are the calculation results based on the theme created by the individual investor U, are shown by the individual investor U according to the risk that the individual investor U can accept. It is updated by selecting “line of sight” for each brand shown in 10 display areas W. However, the method for updating the initial purchase ratio and the initial purchase amount is not particularly limited. For example, the risk that can be accepted by the individual investor U may be input in a bar format, or may be input by a number (for example, 0 to 100).

Further, in the above-described embodiment, the purchase ratio and purchase price of the brands constituting the stock portfolio are updated based on the risk tolerance of the individual investor U and the brand growth. However, it is not limited to the risk tolerance of individual investors U and the growth potential of the brand, but for example, the purchase ratio and purchase amount are updated according to the amount of assets that individual investors U want to achieve in five years. You can also As a result, the individual investor U can purchase a theme and a stock portfolio associated with the theme while clarifying future goals in stock investment.
In the embodiment described above, the server 1 automatically selects a plurality of types of stocks based on the theme selected by the individual investor U. It may be possible to specify the brand and the number of shares.
In the embodiment described above, the purchase ratio and purchase price of stocks of a plurality of types of stocks selected by the individual investor U are automatically calculated by the server 1, but the individual investor U arbitrarily sets the number of shares. It may be possible to specify.

Furthermore, in the above-described embodiment, the stock portfolio is targeted. However, the present invention is not particularly limited to this, and the present invention can be applied to other financial products such as general financial products.
Here, as financial products, for example, in Japan, the first and second types of financial product trading business and insurance products defined in the Insurance Law are included. Specifically, for example, securities, deemed securities, ETF (listed investment trust), RIET (real estate investment trust), derivatives, crowdfunding, bonds, foreign exchange, commodities (oil etc.), life insurance, non-life insurance, Three-sector insurance is included in financial products.
Other products that can be invested include, for example, virtual currency.

  Further, for example, the hardware configuration shown in FIG. 3 is merely an example for achieving the object of the present invention, and is not particularly limited.

  Further, the functional block diagrams shown in FIGS. 4 and 8 are merely examples, and are not particularly limited. That is, it is sufficient that the information processing apparatus has a function capable of executing the above-described series of processing as a whole, and what functional block is used to realize this function is particularly the example shown in FIGS. It is not limited to.

Further, the location of the functional block is not limited to that shown in FIGS. 4 and 8, and may be arbitrary.
In addition, one functional block may be constituted by hardware alone, software alone, or a combination thereof.
For example, at least a part of functions such as the DB management unit 301 of the server 1 can be transferred to the investor terminal 2.

When the processing of each functional block is executed by software, a program constituting the software is installed on a computer or the like from a network or a recording medium.
The computer may be a computer incorporated in dedicated hardware. The computer may be a computer capable of executing various functions by installing various programs, for example, a general-purpose smartphone or personal computer other than a server.

  The recording medium including such a program is not only constituted by a removable medium distributed separately from the apparatus main body in order to provide a program to each individual investor, but also in a state of being incorporated in the apparatus main body in advance. Consists of recording media provided to individual investors.

  In the present specification, the steps for describing the program recorded on the recording medium are not limited to the processing performed in time series according to the order, but may be performed in parallel or individually even if not necessarily performed in time series. The process to be executed is also included.

For example, in the theme selection process of FIG. 5 described above, the investor terminal 2 displays the pattern (step S6) after the initial stock portfolio display (step S5).
However, it is sufficient that the initial stock portfolio and the pattern are displayed at the time of determination as to whether or not the pattern is selected in the investor terminal 2 (the time of determination in step S7). Each timing with the display of the pattern is not particularly limited.
For example, the initial stock portfolio may be displayed on the investor terminal 2 after the pattern is displayed. The pattern display and the initial stock portfolio display may be performed in parallel (simultaneously). Usually, the pattern and the initial stock portfolio are displayed simultaneously on the same screen.

  Further, in the present specification, the term “system” means an overall apparatus composed of a plurality of devices, a plurality of means, and the like.

In summary, the information processing apparatus to which the present invention is applied only needs to have the following configuration, and can take various embodiments.
In other words, an information processing apparatus to which the present invention is applied (for example, the server 1 in FIG. 4)
Acquisition means (for example, the theme acquisition unit 302 of FIG. 4) for acquiring the theme selected by the user (for example, the individual investors U1 to Un of FIG. 2);
A selection means (for example, the combination selection unit 303 in FIG. 4) for selecting a combination of brands of a plurality of types of financial products associated with the acquired theme;
Initial calculation means (for example, portfolio creation unit 304 in FIG. 4) for calculating an initial value of a purchase ratio for each brand of the financial product for each selected combination;
Pattern acquisition means (for example, the pattern acquisition unit 305 in FIG. 4) for acquiring a pattern selected by the user among a plurality of purchase ratio patterns;
Update means for updating the purchase ratio based on the acquired pattern (for example, portfolio creation unit 304 in FIG. 4);
Is provided.
In this way, for example, an investor (user) simply selects a theme that suits his / her preference, and a stock portfolio (combination of financial product combinations) consisting of a combination of a theme and multiple types of stocks linked to the theme. Can be purchased without setting the purchase ratio for each brand. Less than

In addition, at least one of the plurality of patterns may be set in advance based on a predetermined idea.
Thereby, the investor can select the composition of the stock portfolio that suits his / her preference.

In addition, at least one of the plurality of patterns may be set in advance based on a balance between risk and return.
Thereby, the investor can select the composition of the stock portfolio that can expect the maximum return within the range of his / her risk tolerance.

The updating means includes
The purchase ratio can be updated based on a combination of risk tolerances input for each brand of financial product.
Thereby, an investor can purchase a theme portfolio that matches his / her preference and a stock portfolio associated with the theme.

The stock may be less than one unit.
Thereby, the investor can diversify from a small amount.

An information processing apparatus to which the present invention is applied (for example, the server 1 in FIG. 8)
Theme receiving means for receiving a theme created by the user (for example, the theme receiving unit 310 in FIG. 8);
Combination accepting means (for example, the combination accepting unit 311 in FIG. 8) for accepting selection of combinations of brands of a plurality of types of financial products linked to the theme;
For each of the accepted combinations, a portfolio creation means for calculating a purchase ratio for each brand of the financial product and creating a portfolio based on a combination of multiple types of financial products linked to the theme (for example, portfolio creation in FIG. 8) Part 304),
Is provided.
Thereby, for example, an investor (user) can create a stock portfolio (an example of a portfolio of stocks of financial products) by performing a simple operation without considering the number of stocks and the amount of money for each stock. .

Further, for each brand of the financial product, a prospect acceptance unit (for example, a prospect acceptance unit 312 in FIG. 8) that accepts a prospect by a user;
Updating means for updating the purchase ratio based on the accepted prospect (for example, portfolio creation unit 304 in FIG. 8);
Can further be provided.
Thereby, the investor can create a stock portfolio of the risk / return balance desired by performing a simple operation without considering the number of stocks for each issue.

Also, a disclosure means for publishing the stock portfolio created based on the theme to other users as a target of trading between the user and other users (for example, the trading management unit 313 in FIG. 8). Can further be provided.
As a result, an investor can create a stock portfolio with the risk / return balance that he / she desires by performing simple operations without considering the number of shares for each issue, and make this a target for trading. it can.

Further, the other users can purchase the portfolio published by the user.
Thereby, the investor can purchase the theme created by the other investor and the stock portfolio associated with the theme.

The stock may be less than one unit.
Thereby, the investor can diversify from a small amount.

DESCRIPTION OF SYMBOLS 1 ... Server 2, 2-1, 2-n ... Investor terminal 101 ... CPU
102 ... ROM
103 ... RAM
104 ... Bus 105 ... Input / output interface 106 ... Output unit 107 ... Input unit 108 ... Storage unit 109 ... Communication unit 110 ... Drive 120 ... Removable media 301 ... DB management unit 302 ... selected theme acquisition unit 303 ... combination selection unit 304 ... portfolio creation unit 305 ... pattern acquisition unit 306 ... display control unit 310 ... creation theme reception unit 311・ ・ Combination reception unit 312 ... Outlook reception unit 313 ... Trade management unit 314 ... Risk level evaluation unit 401 ... Stock DB
402 ... Theme DB
403 ... Portfolio DB
C1, C2, C3 ... Category display area D, E, F, K, L, M, Q, R, V, W, X, Y, Z ... Display area N ... Network P ... Service provider S ... Securities company T ... Button U, U1, U2, U3, Un ... Individual investors

Claims (4)

For themes that are the ideas and themes that form the basis of the combinations created by the user, the theme name and the amount of money that the user can spend to purchase the theme and the portfolio associated with the theme are entered. A theme receiving means for receiving the theme created by the user,
A combination receiving means for receiving selection of a combination of brands of a plurality of types of financial products linked to the theme;
For each of the accepted combinations, a portfolio creation unit that calculates a purchase ratio and a purchase price for each brand of the financial product and creates a portfolio by a combination of brands of multiple types of financial products linked to the theme;
A publishing means for publishing the portfolio created based on the theme to the other users as a target of sales between the user and the other users;
An information processing apparatus comprising: A prospect acceptance means for accepting a prospect by a user for each brand of the financial product;
Updating means for updating the purchase ratio and the purchase price based on the accepted prospect;
Further comprising
The information processing apparatus according to claim 1. The other users can purchase the portfolio published by the user,
The information processing apparatus according to claim 1 or 2. The brand combination of financial products is a combination of stock brands,
The stock is a share of less than one unit,
The information processing apparatus according to any one of claims 1 to 3.

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