JP6640170B2 - Information processing device - Google Patents

Description

  The present invention relates to an information processing device.

  2. Description of the Related Art Conventionally, there has been proposed a method of selecting a candidate stock for trading based on conditions designated by an investor in buying and selling stock via a network (for example, see Patent Document 1). In addition, many financial products, including equities, are risky, so investors generally do not buy only a single financial product, but rather a portfolio that combines multiple financial products. . Various methods of creating a portfolio have been proposed, for example, a method of determining the composition ratio of a portfolio based on an investor's investment policy (for example, see Patent Document 2).

JP 2007-140926 A JP 2003-223555 A

  However, compared to the conventional technology including the method described in Patent Document 1, there has been a demand for simplifying the step of purchasing a preferred one as a stock portfolio of a plurality of types of stocks associated with a desired theme. This is the situation that has been mentioned.

  The present invention has been made in view of such circumstances, and has as its object to further simplify the step of selecting and purchasing a suitable stock portfolio of a plurality of types of stocks associated with a desired theme. And

In order to achieve the above object, an information processing device of one embodiment of the present invention
Acquisition means for acquiring a theme selected by the user;
Selecting means for selecting a combination of brands of a plurality of types of financial instruments associated with the acquired theme,
Initial calculating means for calculating an initial value of a purchase ratio for each brand of the financial instrument for each of the selected combinations;
A pattern acquisition unit that acquires a pattern selected by the user among the plurality of purchase ratio patterns;
Updating means for updating the purchase ratio based on the acquired pattern;
Is provided.

  Further, at least one of the plurality of patterns may be set in advance based on a predetermined idea.

  Further, at least one of the plurality of patterns may be set in advance based on a balance between risk and return.

Further, the updating means includes:
The purchase ratio can be updated based on a combination of risk tolerances input for each brand of the financial product.

  Further, the combination of brands of the financial instrument is a combination of brands of stocks, and the stocks may be less than one unit.

  ADVANTAGE OF THE INVENTION According to this invention, the step which an investor selects and purchases what is suitable as a stock portfolio of the stock of several types of stocks linked with the desired theme can be further simplified.

FIG. 11 is a comparison diagram of an outline of a conventional stock trading service and an outline of a stock trading service realized by applying the present invention. 1 is a configuration diagram of an information processing system capable of realizing a stock trading service to which the present invention of FIG. 1 is applied, that is, an information processing system including a server according to an embodiment of an information processing apparatus of the present invention. FIG. 3 is a block diagram illustrating a hardware configuration of the server in FIG. 2. FIG. 4 is a functional block diagram illustrating an example of a functional configuration for exerting a theme selecting function of the server in FIG. 3. 5 is a flowchart illustrating a theme selection process executed by the server in FIG. 4. FIG. 6 is a diagram illustrating an example of a screen displayed on the investor terminal in the theme selection processing of FIG. 5. FIG. 6 is a diagram illustrating an example of a screen displayed on the investor terminal in the theme selection processing of FIG. 5. FIG. 4 is a functional block diagram illustrating an example of a functional configuration for exerting a theme creating function of the server 1 of FIG. 3. 9 is a flowchart illustrating a theme creation process executed by the server in FIG. 8. FIG. 10 is a diagram illustrating an example of a screen displayed on the investor terminal in the theme creation processing of FIG. 9. 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 of an outline of a conventional stock trading service and an outline of a stock trading service realized by applying the present invention.

In Japan, which adopts the unit share system, a unit share is defined as a trading unit of stock, and trading is performed for each unit share. A unit share is determined for each stock 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 a stock having the name of the company A (hereinafter referred to as “company A stock”) among the stocks sold by the securities company S. In this case, if the unit share predetermined by the articles of association of Company A is 100, the individual investor U1 must purchase the shares of Company A in units of 100 shares.
Further, for example, it is assumed that the individual investor U1 purchases a stock (hereinafter, referred to as “company B stock”) whose brand is company B, which is a stock issuing company. In this case, if the unit share predetermined by the articles of incorporation of Company B is 10, the individual investor U1 must purchase the shares of Company B in units of 10 shares.
Therefore, in the conventional stock trading service, when individual investor U1 tries to purchase a stock portfolio of A company stock and B company stock, individual investor U1 obtains 100 stock units for A company stock and 10 stocks for B company stock. It will be purchased in stock units. For this reason, the individual investor U1 had to prepare a large amount of funds in advance. That is, the individual investors U1 who can purchase the stock portfolio are necessarily limited to those who can afford.

Here, the stock portfolio is a combination of brands of a plurality of types of stocks, and the purchase ratio (purchase amount as necessary) of each brand is determined.
The purchase ratio refers to the ratio of purchase to the total number of brands constituting the combination, when the ratio of purchase of the entire combination of brands of a plurality of types of stocks linked to a certain theme is 100%. Specifically, for example, when the combination of brands of a plurality of types of stocks linked to a certain theme is a combination of two types of stocks of company A's stock and company B's stock, the purchase ratio of company A's stock is assumed to be 40%. Then, the purchase ratio of the company B shares is 60%. The purchase price refers to a price per stock brand calculated based on a purchase ratio within a range of a predetermined price per theme.
In the equity portfolio, in order to diversify the risks associated with holding stocks, safe assets with low risks due to fixed income and high risk assets with uncertain returns 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 necessarily limited to those who can afford. For this reason, it has not been common practice to use a stock portfolio to manage assets that should be protected by diversifying the risks associated with stock ownership. That is, for individuals who cannot afford such a large amount of money, such as salaried workers, housewives, and students, it has been unfamiliar to purchase a stock portfolio using conventional stock trading services.

On the other hand, in the stock trading service to which the present invention is applied, the number of shares less than one unit (hereinafter, referred to as “less than one unit”) can be traded. The number of shares less than one unit is the number of shares less than the number of unit shares stipulated in the articles of incorporation of the company, which is mainly caused by the split of shares. Shares less than one unit cannot be traded in the ordinary stock market, but are subject to trade under the prescribed rules determined by the service provider P, such as subject to bilateral 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, and can buy and sell shares with the individual investors U2, U3, and the like in units of shares less than unit.
For example, the service provider P uses the information processing apparatus to which the present invention is applied to purchase 100 shares of the unit shares of the company A and 10 shares of the unit shares of the company B from the securities company S. The service provider P makes it possible to buy and sell these shares with the individual investors U2, U3, etc. in the state of the sub-unit shares.
Thereby, the individual investors U2, U3, etc. can purchase the stock portfolio within the range of the funds that can be prepared.

Specifically, for example, as shown in FIG. 1B, the individual investor U2 purchases 30 shares less than one unit of company A and 6 shares less than one unit of company B from the service provider P. Can be. Thereafter, if necessary, the individual investor U2 can sell 10 shares of the unit less than one unit to the service provider P.
Further, for example, the individual investor U3 can purchase 70 shares of less than one unit of the company A and 4 shares of less than one unit of the company B from the service provider.
As described above, the individual investors U2, U3, etc., who are provided with the stock trading service to which the present invention is applied, can trade with the service provider P in units of less than one unit, and Even if you can't afford it, you can easily buy a stock portfolio.

  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. 1 is a configuration diagram of an information processing system.

The information processing system shown in FIG. 2 includes a server 1 managed by a service provider P so as to realize a stock trading service to which the present invention is applied as illustrated in FIG. It is configured to include each of the investor terminals 2-1 to 2-n operated by each of n (n is an arbitrary integer) 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.
In the following, when it is not necessary to distinguish the individual investors U1 to Un and the investor terminals 2-1 to 2-n, these are collectively referred to as “individual investor U” and “investor terminal 2”. ".

The server 1 executes various processes in order to provide an individual investor U operating the investor terminal 2 with a stock trading service to which the present invention is applied as illustrated in FIG. I do.
The investor terminal 2 is an information processing device operated by the individual investor U, and is composed of, for example, a smartphone or the like.
The information processing system having the configuration shown in FIG. 2 executes, for example, the following operation (processing).

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 an idea or a subject that is a keynote when a combination of a plurality of types of stock brands is selected. Themes can be classified into categories such as, for example, the latest topics, news, and events, or can be classified into a plurality of fields according to the content.

The individual investor U, who is a prospective purchaser of the stock, does not buy a stock of multiple types of stocks at random as a stock portfolio, but rather a combination of stocks of multiple types of stocks linked to a desired theme. Buy a structured stock portfolio.
Specifically, for example, if the individual investor U is interested in the “drone” and desires to purchase a stock portfolio based on a combination of a plurality of types of stocks linked to the “drone”, the investor terminal By operating 2, "Drone" can be selected as the theme.

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

When acquiring the theme from the investor terminal 2, the server 1 selects a combination of a plurality of types of stock brands associated with the acquired theme. Note that a plurality of types of stocks that are “tied to” a theme are those that have some kind of relevance with the theme, such as providing products or services that are directly or indirectly related to the theme. Means For example, if the theme is "Drone", the following stock issues of the company can be included in a plurality of types of stock issues linked to "Drone".
In other words, the names of a drone manufacturing company, a drone transportation service contractor, a company providing communication means used for drone operations, an insurance company providing insurance products related to drone accidents, etc. It can be included in “tied” stock issues.

The information on the theme (hereinafter, referred to as “theme information”) and the information on the stock (hereinafter, referred to as “stock information”) are stored by the server 1 and associated with each other and managed.
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.
The stock information includes, for each issue, information on the issue, such as the number of shares issued and the stock price, information on the company, such as the type of the issue, the products and services provided, and the theme associated with the issue. It is.

Note that the number of themes linked to one type of stock is not limited to one. Two or more themes can be linked to one stock type. For example, if Company A is a company that undertakes transport services using drones, and if the President of Company A ran for the Governor of Tokyo, Company A as a brand will have several themes, “Drone” and “ Governor election ".
In addition, one or more types of stocks can naturally be linked to one theme. Therefore, when “drone” is acquired as the theme, a combination of one or more types of stock brands linked and managed with the drone is selected.

When selecting a combination of a plurality of types of stocks associated with the theme as described above, the server 1 executes the following processing. That is, the server 1 determines the initial value of the purchase ratio (hereinafter, referred to as “initial purchase ratio”) and the initial value of the purchase amount (hereinafter, “initial purchase amount”) for each issue constituting the stock portfolio based on a predetermined algorithm. Call). Further, in the stock portfolio, the one in which the initial purchase ratio and the initial purchase amount for each brand are determined respectively is hereinafter referred to as “initial stock portfolio”.
The calculation method for deriving the initial purchase ratio and the initial purchase price is not particularly limited. For example, the server 1 quantifies each of the risk and the return, and calculates these variables as variables, thereby obtaining a purchase ratio and a risk-return balance (hereinafter, referred to as “risk / return balance”) that are considered. The purchase price can also be calculated.

The initial purchase ratio and the initial purchase amount calculated as a result of the calculation by the server 1 are represented by a table or a pie chart in which each issue constituting the initial stock portfolio and their initial purchase ratio and the initial purchase amount are displayed. It is displayed on the home terminal 2.
At this time, by operating the investor terminal 2, the individual investor U can update the initial purchase ratio and the initial purchase price to the purchase ratio and the purchase price of the contents according to his / her preference.
Here, it is a cumbersome operation for the individual investor U to determine specific numerical values for the purchase ratio and the purchase amount for each brand by himself. Therefore, specific numerical values of the purchase ratio and the purchase price 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 by himself, but, for example, adds the initial purchase ratio and the initial purchase amount to the purchase ratio and the purchase amount based on the concept of his own risk / return balance. The amount can be updated.
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 the pattern of the purchase ratio and the purchase amount from the plurality of patterns, for example, in accordance with his / her own concept of 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 a table or a pie chart on which each brand constituting the stock portfolio and the updated purchase ratio and purchase price are displayed on the investor terminal 2.
Thereby, the individual investor U can set the purchase ratio and the purchase price for each stock by simply selecting a theme and setting a stock portfolio composed of a combination of stocks of a plurality of types of stocks having contents according to the theme. Can be purchased without.

  Thus, the individual investor U can purchase a stock portfolio by selecting an existing theme. Further, the individual investor U can also create a theme and a stock portfolio composed of a plurality of types of stocks associated with the theme, and make this a target for trading.

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

In the initial stock portfolio displayed on the investor terminal 2, an initial value of “outlook” is displayed for each issue. Here, "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 of 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 the purchase price based on the content of the selection. Thereby, the server 1 updates the stock portfolio by updating the initial purchase ratio and the initial purchase amount.
The server 1 executes control for displaying the updated stock portfolio on the investor terminal 2.

The server 1 evaluates the risk for each stock portfolio based on a predetermined evaluation criterion, and quantifies the evaluation result. The server 1 causes the investor terminal 2 to display the quantified evaluation result as a risk level. At this time, the method of displaying the risk level on the investor terminal 2 by the server 1 is not particularly limited. The numerical value of the quantified evaluation result 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, as shown in the display area X in FIG. 10). Display of risk level). Thereby, the individual investor U can easily grasp the investment risk for each stock portfolio.
The method of evaluating the risk level 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 on the stock portfolio. The information on the stock portfolio can also include information on the theme, information on the brand, information on past returns, information on whether or not it has been disclosed, and the like.
The server 1 manages trading between the individual investor U and another individual investor 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 a plurality of types of stocks that he or she wants to invest, and a theme to which it is linked, and easily sells these to other individual investors U. Can be. Further, the individual investor U can also purchase a theme created by another individual investor U and a stock portfolio linked to 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 appropriately stores data and the like necessary for the CPU 101 to execute various processes.

  The CPU 101, the ROM 102, and the RAM 103 are mutually connected via a bus 104. An input / output interface 105 is also connected to the bus 104. The output unit 106, the input unit 107, the storage unit 108, the communication unit 109, and the 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 another device (investor terminal 2 in the example of FIG. 2) via a 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 mounted on the drive 110. The program read from the removable medium 120 by the drive 110 is installed in the storage unit 108 as needed.
Further, 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 also has a configuration basically similar to the hardware configuration shown in FIG.

  FIG. 4 is a functional block diagram showing an example of a functional configuration for exerting the theme selecting function of the server 1 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.
In one area of the storage unit 108 (FIG. 3), a stock DB 401 and a theme DB 402 are provided.

  In the server 1, the DB management unit 301 manages one or more pieces of stock information by storing it 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 brands of a plurality of types of stocks linked to the acquired theme. Specifically, based on the stock information and the theme information managed by the DB management unit 301, the combination selection unit 303 selects a combination of a plurality of types of stock brands associated with the theme.

The portfolio creation unit 304 calculates an initial purchase ratio and an initial purchase amount for each of the brand combinations of the plurality of types of stocks selected by the combination selection unit 303.
Here, the portfolio creating unit 304 calculates the initial purchase amount for each brand within a preset range of the amount per theme. For example, if the preset amount per theme is 100,000 yen, the portfolio creating unit 304 calculates so that the total initial purchase amount for each brand is within 100,000 yen.
As a result, the individual investor U can efficiently purchase the stock portfolio within the range of his / her budget.
Further, the portfolio creating 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 price are updated.
That is, the portfolio creation unit 304 creates a stock portfolio by calculating the purchase ratio and purchase amount for each brand. Further, the portfolio creating unit 304 updates the stock portfolio by recalculating the purchase ratio and the purchase amount 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 a plurality of patterns by the investor terminal 2, the pattern obtaining unit 305 obtains the selected pattern.

The display control unit 306 executes control for displaying the stock portfolio created by the portfolio creating unit 304 on the investor terminal 2. Specifically, the display control unit 306 executes control to cause the investor terminal 2 to display a table or a pie chart in which each issue constituting the stock portfolio, the purchase ratio and the purchase amount are displayed.
In addition, the display control unit 306 executes control for displaying a plurality of patterns on the investor terminal 2.
Thereby, the individual investor U can easily grasp and select the pattern of the purchase ratio and the purchase price according to his / her taste.

Next, the server 1 obtains a theme and a series of processing (hereinafter, referred to as “theme selection processing”) from the time when the individual investor U outputs the desired stock purchase ratio and purchase price at the investor terminal 2. ) Will be described.
FIG. 5 is a flowchart illustrating a theme selection process performed by the server 1.

In step S <b> 1, the selected theme obtaining unit 302 determines whether an operation for selecting a theme has been performed on the investor terminal 2.
If no operation for selecting a theme has been performed on the investor terminal 2, it is determined to be NO in step S1, and the process returns to step S1. That is, the determination process of step S1 is repeated until an operation of selecting a theme is performed on the investor terminal 2. Thereafter, when an operation of selecting a theme is performed on the investor terminal 2, it is determined to be 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, based on the stock information managed by the DB management unit 301 and the theme information on the theme acquired in the process of step S2, the combination selection unit 303 selects a plurality of types of stocks associated with the theme. Select a combination of brands.

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

In step S6, the display control unit 306 executes control for displaying a plurality of patterns on the investor terminal 2.
In step S7, the pattern acquisition unit 305 determines whether an operation of selecting a pattern has been performed on the investor terminal 2.
If the operation of selecting a pattern has not been performed on the investor terminal 2, it is determined to be NO in step S7, and the process ends.
When an operation of selecting a pattern is performed on the investor terminal 2, it is determined to be 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 creating unit 304 recalculates the purchase ratio and the purchase price based on the pattern acquired in the processing in step S8. Thus, the initial purchase ratio and the initial purchase amount are updated. That is, the portfolio creating unit 304 updates the initial stock portfolio.
In step S10, the display control unit 306 executes control to display the stock portfolio updated in the process of step S9 on the investor terminal 2. Thus, the process ends.
In this way, by operating the investor terminal 2, the individual investor U simply selects a desired theme, and stores the theme and the stock portfolio associated with the theme with the purchase ratio and initial It is possible to purchase without having to set the purchase price by himself / herself.

FIG. 6 and FIG. 7 are diagrams illustrating an example of a screen displayed on the investor terminal 2 in the theme selection processing described in FIG.
FIG. 6 is an example of a screen displayed on the investor terminal 2 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, a specific screen configuration displays categories of “latest topic”, “news”, “investor-created theme”, and “everybody's theme”. It is composed of category display areas C1 to C34. In each of the category display areas C1 to C34, a button T indicating a plurality of themes belonging to each category is displayed.
For example, a button T indicating a theme such as “Drone”, “Governor's Election”, “Game” 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.
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.
Further, in a category area C4 showing “Everybody's Theme”, among the plurality of themes applied by the individual investors U, the theme for which the number of votes obtained by the general voting is large, and for which the stock portfolio is created by the server 1, is displayed. Button T is displayed. At this time, the risk level and the past return can be displayed inside the button T. More specifically, for example, a button T indicating a theme such as “withdrawal from the UK”, “IoT”, and “yoga” is displayed. Then, inside the button T indicating “England UK”, 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. Further, inside the button T indicating “IoT”, a graphic indicating that the risk level is “medium” and a numerical value indicating that the past return is “+ 32.80%” in the past year are shown. Is displayed. Also, inside the button T indicating “yoga”, 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 are shown. Is displayed.
A method of applying for a theme by the investor U and a method of general voting 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” as the theme among the themes belonging to the “Latest Topic” will be described in association with the theme selection processing of FIG.
When selecting “drone” (hereinafter simply referred to as “drone”) as the theme in step S1 in FIG. 5, the individual investor U selects “drone” belonging to the category area C1 indicating “latest topic” in FIG. 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 S3 of FIG. 5, the combination selection unit 303 selects a combination of brands of a plurality of types of stocks linked to “drone”. Next, in step S4 of FIG. 5, the portfolio creating unit 304 creates an initial stock portfolio by calculating the initial purchase ratio and the initial purchase amount 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 displaying the contents of the created initial stock portfolio on the investor terminal 2. In step S6 of FIG. 5, the display control unit 306 causes the investor terminal 2 to display a button for selecting a pattern that matches the taste of the individual investor U.
FIG. 7 shows that in step S7 of FIG. 5, the investor terminal 2 allows the individual investor U to confirm the initial value of the stock portfolio and to select a pattern for updating the stock portfolio as necessary. It is an example of the screen displayed.
As shown in FIG. 7, a 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 or images indicating “drone” are displayed. In addition to the categories, the field to which the theme belongs can be provided in advance for each layer, and the field to which "drone" belongs, such as "energy" and "technology", can be displayed in the display area K. In the display area K, a risk level, a past return, and a reference operation period can be displayed.
In the display area L, the number of companies to be invested and a description of the theme are displayed. Specifically, the number of companies related to the "drone" and a brief description of the "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 have recently become active in the logistics and entertainment world. There is a view that the size of the Japanese market will exceed 1.5 billion yen next year and 10 billion yen in the next 10 years. " Thereby, the individual investor U can grasp the number of companies to be invested and a brief outline of the theme.

In the display area M, a table showing the breakdown of the theme is displayed. Specifically, a table showing the breakdown of the brands of a plurality of types of stocks constituting the stock portfolio linked to “drone” is displayed. For example, a table showing the brand, 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 creating unit 304. Specifically, it can be seen that the brand “A Corporation” has the top purchase ratio of “26.2%”, the number of shares is “28 shares”, and the purchase price is “26,264 yen”. In addition, it can be seen that the brand “B Corporation” has the second purchase ratio “24.98%”, the number of shares is “80”, and the purchase price is “25,040 yen”. Further, it can be seen that the brand “C Co., Ltd.” has the third purchase ratio “10.34%”, the number of shares is “6 shares”, and the purchase price is “10,368 yen”. The purchase ratio, the number of shares, and the purchase price of the seven brands (D Corporation, E Corporation, etc.) other than these three brands 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 in a pie chart. Specifically, a pie chart of the purchase ratio for each issue that makes up the stock portfolio, a subtotal investment amount, transaction fee, and the total amount of these amounts when purchasing the stock portfolio linked to "Drone" (Price) is displayed.
Thereby, the individual investor U can see at a glance the purchase ratio in the stock portfolio and the cost required for the purchase by confirming the contents displayed in the display area M and the display area F. This can be used as a useful judgment factor when investing.

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 matching the preference of the individual investor U are 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 taste of the individual investor U.
That is, when the individual investor U wants to emphasize the balance between the risk and the return, the individual investor U presses the button of the pattern “emphasis on balance”. Then, in step S8 of FIG. 5, the pattern acquisition unit 305 acquires the selected pattern of “balance-oriented”. Then, in step S9 of FIG. 5, the portfolio creation unit 304 converts the initial purchase ratio and the initial purchase amount into the purchase ratio and the purchase amount based on the idea of emphasizing the balance between risk and return in the pattern of “balance emphasis”. Update.
In addition, when the individual investor U wants to attach importance to the small risk, the individual investor U presses a button having a pattern of “minimize risk”. Then, in step S8 of FIG. 5, the pattern acquisition unit 305 acquires the selected “risk minimization” pattern. Then, in step S9 of FIG. 5, the portfolio creating unit 304 sets the initial purchase ratio and the initial purchase amount to the purchase ratio and the purchase amount based on the idea of minimizing risk in the pattern of “minimizing risk”. Update to
When the individual investor U wants to emphasize the growth potential of the brand, he presses the button of the pattern “emphasis on growth potential”. Then, in step S8 in FIG. 5, the pattern acquisition unit 305 acquires the selected pattern “emphasis on growth”. Then, in step S9 in FIG. 5, the portfolio creating unit 304 updates the initial purchase ratio and the initial purchase amount to the purchase ratio and the purchase amount based on the idea that emphasizes the growth potential of the brand in the pattern of “emphasis on growth potential”. I do.
In addition, when the individual investor U wants to emphasize the value of the brand, the individual investor U presses a button of a pattern of “emphasis on cheapness”. Then, in step S8 of FIG. 5, the pattern acquisition unit 305 acquires the selected pattern of “emphasis on cheapness”. Then, in step S9 in FIG. 5, the portfolio creating unit 304 updates the initial purchase ratio and the initial purchase amount to the purchase ratio and the purchase amount based on the idea of placing importance on the cheapness of the brand in the pattern of “weight saving”. I do.

In this way, when the individual investor U selects a pattern that matches his / her preference, the portfolio creating unit 304 sets the initial purchase ratio and the initial purchase amount based on the pattern that matches the individual investor U's preference. Update to the ratio and purchase price. This updates the stock portfolio.
When the stock portfolio is updated, in step S10 in FIG. 5, the display control unit 306 executes control to display the updated stock portfolio on the investor terminal 2.

  As described above, the individual investor U sets the purchase ratio and the purchase amount for each issue by simply selecting the theme and setting the stock portfolio based on the combination of the issues of a plurality of types of stocks having the contents according to the theme. Can be purchased without.

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

Next, 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 with reference to FIGS.
FIG. 8 is a functional block diagram showing an example of a functional configuration for causing the server 1 of FIG. 3 to perform the theme creation function.

  In the CPU 101 of the server 1, a DB management unit 301, a portfolio creation unit 304, and a display control unit 306 function similarly to the functional configuration illustrated in FIG. In the functional configuration illustrated in FIG. 8, a creation theme receiving unit 310, a combination receiving unit 311, a prospect receiving unit 312, a trading management unit 313, and a risk level evaluating unit 314 further function.

The DB management unit 301 stores and manages one or more pieces of stock information in the stock DB 401, similarly to the functional configuration shown in FIG. The DB management unit 301 stores and manages one or more pieces of theme information in the theme DB 402. In the functional configuration illustrated 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 receiving unit 310 receives a theme created by the individual investor U operating the investor terminal 2. It should be noted that a specific operation content for the individual investor U to create a theme will be described later with reference to FIG.
The combination receiving unit 311 receives a combination of brands of a plurality of types of stock selected by the individual investor U from among the stock information stored in the stock DB 401.

The portfolio creating unit 304 calculates the initial purchase ratio and the initial purchase amount for the combination of the received brands of the plurality of types of stocks. Thereby, the portfolio creating unit 304 creates an initial stock portfolio.
In addition, when the prospect selection unit 312 described later receives selection of a prospect for each brand, the portfolio creation unit 304 recalculates the purchase ratio and the purchase price based on the prospect and updates the initial purchase ratio and the initial purchase price. . Thereby, the portfolio creating unit 304 updates the stock portfolio.

The display control unit 306 executes control to display the stock portfolio created by the portfolio creation unit 304 on the investor terminal 2 as in the functional configuration shown in FIG.
When the individual investor U operates the investor terminal 2 to select an outlook for each brand, the outlook accepting unit 312 accepts the selected outlook. The specific method by which the individual investor U selects the outlook will be described later with reference to FIG.

  The trading management unit 313 manages trading between the individual investors U who buy and sell the created theme and the stock portfolio linked to the theme. Specifically, for example, the theme created by the individual investor U1 and the stock portfolio linked to the theme are investor terminals 2-2 to 2 operated by individual investors U2 to Un other than the individual investor U1. A control is also performed so that the display is also performed at −n. As a result, 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 criterion, and quantifies the evaluation result. The display control unit 306 causes the investor terminal 2 to display the quantified evaluation result as a risk level. The risk level evaluation method by the risk level evaluation unit 314 is not particularly limited. For example, it can be calculated by relative evaluation using evaluation of a specific stock portfolio as a reference value among information on a plurality of stock portfolios stored in the portfolio DB 403.
Thereby, the individual investor U can easily grasp the investment risk for each stock portfolio.

Next, the server 1 accepts the theme created by the investor terminal 2 based on the operation of the individual investor U, and then associates the theme that the individual investor U wants to create with the investor terminal 2 with 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 a theme creation process performed by the server 1.

In step S21, the creation theme receiving 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 has not been performed on the investor terminal 2, it is determined as NO in step S21, and the process returns to step S21. That is, the determination process of step S21 is repeated until an operation for creating a theme is performed on the investor terminal 2. Thereafter, when an operation for creating a theme is performed on the investor terminal 2, it is determined to be YES in step S21, and the process proceeds to step S22.

In step S22, the created theme receiving unit 310 receives the theme created by operating the investor terminal 2 in step S21.
In step S23, the combination receiving unit 311 determines whether an operation of selecting a plurality of stock brands has been performed on the investor terminal 2.
If an operation of selecting a plurality of stock brands has not been performed on 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 of selecting a plurality of stock brands is performed on the investor terminal 2. Thereafter, when an operation of selecting a plurality of stock brands is performed on the investor terminal 2, it is determined to be YES in step S23, and the process proceeds to step S24.

In step S24, the portfolio creating unit 304 calculates an initial purchase ratio and an initial purchase amount for a combination of a plurality of stock brands accepted in the processing in step S22. That is, the portfolio creating unit 304 creates an initial stock portfolio.
In step S25, the display control unit 306 executes control to cause the investor terminal 2 to display the initial purchase ratio and the initial purchase amount created in step S22. That is, the display control unit 306 executes control for displaying 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 content of the button for allowing the individual investor U to select the outlook for each brand will be described later with reference to FIG.

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

In step S27, the prospect receiving unit 312 receives the selection result when the individual investor U selects the prospect by operating the investor terminal 2.
In step S28, the portfolio creating unit 304 recalculates the purchase ratio and the purchase price based on the result of the selection of the prospect received in the process of step S22. Thereby, the portfolio creating 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 displaying the stock portfolio updated in the process of step S22 on the investor terminal 2. Thus, the process ends.

Next, a specific operation content for the individual investor U to create a theme will be described with reference to an example of a screen displayed on the investor terminal 2 and corresponding to the theme creating process 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.

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, as shown in FIG.
In the display area V, an input field or the like for the individual investor U to input the basic information of 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 individual investors U spending for purchasing a predetermined theme and a stock portfolio associated with the theme are used. A column for inputting the amount of money that can be entered (a column for the amount of money per theme), a column for inputting a brief description of the theme, and a column for uploading an image indicating the theme are displayed.
The individual investor U creates a theme by inputting basic information of the display area V. Specifically, the individual investor U operates the investor terminal 2 when the theme is, for example, “IoT” and the purchase price per theme is “100,000 yen”. As a result, the following input is performed. That is, the individual investor U inputs “IoT” in the column of the theme name, inputs “100,000” in the column of the amount of money per theme, and enters a simple description of IoT in the column of the description. Enter a unique 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 S22 of FIG. 9, the created theme receiving unit 310 receives the theme created by the individual investor U.
In this manner, the individual investor U can create an original theme. At this point, no stock portfolio has been created yet, since there are no multiple types of stocks linked to the theme.

In the display area W, a list of brands selected by the individual investors U is displayed. The individual investor U selects a combination of brands of a plurality of types of stocks associated with the theme “IoT”. Specifically, the individual investor U selects and adds a brand associated with the input keyword by inputting a keyword in the “add brand” column displayed in the display area W. At this time, in step S23 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 brands of a plurality of stocks that the individual investor U wants to invest.
For example, in the example of “Selected Brand List” displayed in the display area W, the following nine brands are selected by the individual investor U.
That is, a brand with an identification code of “6701” and a name of “A Corporation”, a brand with an identification code of “6702” and a name of “B Corporation”, an identification code of “7013”, and a name of “C A brand with the identification code “6301” and a name “D Corporation”, a brand with the identification code “7911”, a brand with the name “E Corporation”, an identification code “6724”, and a name Is a brand name of “F Corporation”, an identification code is “4205”, a name is “G Corporation”, an identification code is “7422”, a name is “H Corporation”, an identification code is “5632”, and a name is Is selected as a brand name "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 brands as appropriate.

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

In the display area X, a pie chart displaying each issue constituting the stock portfolio and the purchase ratio of each issue is displayed. 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 Corporation” having the highest purchase ratio is “33.3%”. The purchase ratio of the brand “C Corporation”, which has the second highest purchase ratio, is “16.7%”. The purchase ratio of the brand “E Corporation” having the third highest purchase ratio is “11.1%”. The purchase ratios of the other brands are as shown in the pie chart displayed in the display area X.
Thereby, the individual investor U can easily grasp the purchase ratio of the stock portfolio created by himself, the purchase amount of the stock portfolio, and the level of investment risk.

When the initial stock portfolio is displayed on the investor terminal 2, in step S26 in FIG. 9, the individual investor U can select a prospect for each issue constituting the stock portfolio. Specifically, the individual investor U can select a prospect for each brand by pressing a selection button in a “prospect” column of the “list of selected brands” in the display area W. For example, it is possible to select a prospect for each brand such as “bullish”, “somewhat bullish”, and “normal”.
When the prospect is selected by the individual investor U operating the investor terminal 2, the prospect accepting unit 311 accepts the operation of selecting the prospect by the individual investor U in step S27 of FIG. Specifically, the individual investor U presses a button “optimize portfolio” displayed below the pie chart in the display area X after selecting a prospect for each brand. As a result, the prospect receiving unit 311 receives the operation of selecting the prospect by the individual investor U. Then, in step S28 in FIG. 9, the portfolio creating unit 304 recalculates the purchase ratio and the purchase price based on the selected prospect. This updates the stock portfolio. For example, for a brand for which “bullish” has been selected as the outlook, the purchase ratio and the purchase price are set relatively high.

In addition, when it is desired to minimize the risk, the individual investor U can update the initial purchase ratio and the initial purchase amount to the purchase ratio and the purchase amount 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 creating unit 304 updates the stock portfolio by recalculating the purchase ratio and the purchase amount so that the investment risk is minimized.
In this way, the individual investor U can create a stock portfolio with a desired risk-return balance by performing a simple operation without considering the number of shares for each issue.

  In the display area Y, past returns are displayed. As exemplified in the display area Y of FIG. 10, as the “past return”, past investment returns for each stock portfolio can be displayed in a time-series line graph. In the example of FIG. 10, the vertical axis represents the investment return for the last month under the theme “IoT”, and the horizontal axis represents time. As illustrated in FIG. 10, the Nikkei 225 investment return is added to the line graph, the investment return in the past year (-25.40% in the example shown in FIG. 10), the investment return in the past month ( The investment return (+ 0.13% in the example shown in FIG. 10) as 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 release the stock portfolio associated with the theme “IoT” created by himself to other individual investors U. More specifically, the individual investor U presses one of the “do not disclose” button and the “disclose” button displayed in the display area Z. When the “do not disclose” 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 opened to other individual investors U, and It is subject to trading between U.

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

In addition, the individual investor U can also save a stock portfolio linked to the theme “IoT” being created as a draft. More specifically, the individual investor U can save the stock portfolio linked to the theme “IoT” being created by pressing the “draft save” button displayed in the display area Z. 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 having a desired risk-return balance by performing a simple operation without considering the number of shares for each issue, and sells the stock portfolio as a target for trading. It can be.

In addition, the individual investor U can apply to the service provider P for a new theme based on his / her idea. In this case, the service provider P can set the theme applied for by the individual investor U (hereinafter referred to as “application theme”) as a target of the general voting, and link the theme applied for in the general voting with the number of votes obtained in the general voting. Attached stock portfolios 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.

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

In the display area E, a column for inputting a theme to which the individual investor U intends to apply is displayed. Specifically, for example, a field for inputting the theme name of the theme to be applied, a field for inputting a comment on the theme, and a button for applying for the theme are displayed.
The individual investor U inputs a theme name of the theme to be applied and a comment on 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-mentioned general voting. Specifically, although not shown, the application theme is acquired by an application theme acquisition unit provided in the server 1. Although not shown, the plurality of application themes acquired by the application theme acquisition unit are subject to general voting performed by the general voting execution unit of the server 1.
The application theme for which a predetermined number of votes has been obtained by the general voting performed by the general voting section of the server 1 is created by the portfolio creating section 304 of the server 1 and displayed on the investor terminal 2. Specifically, it is displayed as “theme for everyone” in the category display area C4 shown in FIG. As a result, the individual investor U who has applied for the application theme that has obtained a predetermined number of votes in the general voting can, for example, transfer the stock portfolio linked to the application theme to another individual investment unless there is another legal regulation or the like. It is possible to sell to the house U, or to purchase the application theme and the stock portfolio associated with the application theme by yourself.
Further, for example, the service provider P may sell the applied theme itself or another stock portfolio based on the theme based on the applied theme 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 has applied for the application theme for which the predetermined number of votes has been obtained by general voting. Further, for example, the service provider P may be configured to prevent the individual investor U from doing anything.

  In the above-described example, each individual investor U freely selects an application theme. However, the present invention is not particularly limited to this. For example, the service provider P determines a certain standard or range and sets each individual investor U May choose an application theme within its criteria and scope. Specifically, for example, the service provider P prepares in advance a format for selecting a company or the like from a certain range, and each individual investor U selects a company or the like using the format, and selects the company or the like. May be applied as an application theme.

  As described above, one embodiment of the present invention has been described. However, the present invention is not limited to the above-described embodiment, and includes modifications and improvements as long as the object of the present invention can be achieved. It is.

For example, in the above-described embodiment, the description has been made on the assumption that the plurality of types of stocks constituting the stock portfolio are shares less than one unit, but need not be less than one unit and may be unit shares.
Further, in the above-described embodiment, the description is given on the assumption that the service is provided to the individual investors.
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 the “latest topic”, “news”, and “investor-created theme” illustrated in FIG. 6 can be adopted.

The screen configuration displayed on the investor terminal 2 shown in FIGS. 7 and 10 is merely an example, and is not limited to the examples shown in FIGS. 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. Instead of providing a button, a button (display ON / OFF function) for selecting whether or not to display a brand in a list may be provided.
Further, in FIGS. 7 and 10, each issue constituting the portfolio and the purchase ratio and purchase price thereof are displayed in a list and a pie chart. However, the present invention is not particularly limited to the embodiment. As long as the purchase ratio and the purchase price are displayed, the display form does not matter.

Also, in the above-described embodiment, the method of trading a theme and a stock portfolio associated with the theme has been described. However, the present invention is not limited to trading, and for example, a theme and a stock portfolio associated with the theme may be converted into a gift card or the like. In the form of a gift for another person. The present invention is not limited to the theme and the stock portfolio associated with the theme, but can be a target of present to others in the form of a gift card or the like in units of unit shares or shares less than one unit.
In the above-described embodiment, the initial purchase ratio and the initial purchase amount are reduced to the purchase ratio and the purchase amount that match the taste of the individual investor U by pressing the buttons indicating the four types of patterns shown in FIG. Be updated. However, the patterns are not limited to four types. For example, the risk that the individual investor U can tolerate may be input in the form of a bar, or may be input in 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 determined by the individual investor U in accordance with the risk that the individual investor U can tolerate. The information is updated by selecting “outlook” for each brand shown in the ten display areas W. However, the method of updating the initial purchase ratio and the initial purchase amount is not particularly limited. For example, the risk that the individual investor U can tolerate may be input in the form of a bar, or may be input in a number (for example, 0 to 100).

Further, in the above-described embodiment, the purchase ratio and purchase price of the issues constituting the stock portfolio are updated based on the risk tolerance of individual investors U and the growth potential of the issues. However, without being limited to the risk tolerance of the individual investor U and the growth potential of the brand, for example, the purchase ratio and the purchase amount may be updated according to the asset amount that the individual investor U wants to achieve in five years. You can also. Thereby, the individual investor U can purchase the theme and the stock portfolio associated with the theme while clarifying the future target in the stock investment.
Further, in the above-described embodiment, the plurality of types of stocks are automatically selected by the server 1 based on the theme selected by the individual investor U. The number of stocks and the number of shares may be specified.
Further, in the above-described embodiment, the purchase ratio and the purchase price 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 can arbitrarily calculate the number of shares. You may enable it to be specified.

Furthermore, in the above-described embodiment, the stock portfolio is targeted, but the present invention is not limited to this, and the present invention can be applied to financial products in general and other products that can be invested.
Here, the financial products include, for example, in the case of Japan, the first and second types of the financial product trading business, and the insurance products specified in the Insurance Law. Specifically, for example, securities, deemed securities, ETFs (listed investment trusts), RIETs (real estate investment trusts), 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.

  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.

  The functional block diagrams shown in FIGS. 4 and 8 are merely examples, and are not particularly limited. That is, it is sufficient for the information processing apparatus to have a function capable of executing the above-described series of processes as a whole, and what kind of functional blocks are used to realize this function is described in particular in the examples of FIGS. It is not limited to.

The location of the functional block is not limited to FIGS. 4 and 8 and may be arbitrary.
In addition, one functional block may be configured by hardware alone, may be configured by software alone, or may be configured by a combination thereof.
For example, at least a part of the functions of the server 1 such as the DB management unit 301 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 embedded in dedicated hardware. In addition, the computer may be a computer that can execute various functions by installing various programs, for example, a general-purpose smartphone or a personal computer in addition to a server.

  The recording medium containing such a program is not only constituted by a removable medium, which is distributed separately from the apparatus main body to provide the program to each individual investor, but also in a state in which the recording medium is incorporated in the apparatus main body in advance. It consists of a recording medium provided to individual investors.

  In this specification, steps for describing a program to be recorded on a recording medium include, in addition to the processing performed in chronological order according to the order, the processing is not necessarily performed in chronological order, but may be performed in parallel or individually. This also includes the processing to be executed.

For example, in the theme selection processing of FIG. 5 described above, after the initial stock portfolio is displayed (Step S5), the pattern is displayed (Step S6) on the investor terminal 2.
However, it is sufficient that the display of the initial stock portfolio and the display of the pattern are performed at the time of determining whether or not the pattern is selected on 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, an initial stock portfolio may be displayed on the investor terminal 2 after the pattern is displayed. The display of the pattern and the display of the initial stock portfolio may be performed in parallel (simultaneously). Normally, the pattern and the initial stock portfolio are simultaneously displayed on the same screen.

  Also, in this specification, the term system refers to an entire device including a plurality of devices and a plurality of means.

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.
That is, the 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 in FIG. 4) for acquiring a theme selected by the user (for example, the individual investors U1 to Un in FIG. 2);
A selection unit (for example, a 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 of the selected combinations;
A pattern acquisition unit (for example, the pattern acquisition unit 305 in FIG. 4) for acquiring a pattern selected by the user from among a plurality of purchase ratio patterns;
Updating means (for example, the portfolio creating unit 304 in FIG. 4) for updating the purchase ratio based on the acquired pattern;
Is provided.
Thus, for example, an investor (user) simply selects a theme that suits his / her taste, and a stock portfolio (combination of stocks of financial instruments) composed of a theme and a plurality of stocks of stocks linked to the theme. Can be purchased without setting the purchase ratio for each brand by itself. Less than

Further, at least one of the plurality of patterns may be set in advance based on a predetermined idea.
This allows the investor to select a composition of the stock portfolio that suits his / her preferences.

Further, at least one of the plurality of patterns may be set in advance based on a balance between risk and return.
As a result, the investor can select the composition of the stock portfolio in which the maximum return can be expected within his or her risk tolerance.

Further, the updating means includes:
The purchase ratio can be updated based on a combination of risk tolerances input for each brand of the financial product.
This allows the investor to purchase a theme that suits his or her taste and a stock portfolio associated with that theme.

Further, the shares may be less than one unit.
This allows investors to make diversified investments from a small amount.

The information processing apparatus to which the present invention is applied (for example, the server 1 in FIG. 8)
A theme receiving means for receiving a theme created by the user (for example, the theme receiving unit 310 in FIG. 8);
Combination receiving means (for example, a combination receiving unit 311 in FIG. 8) for receiving a selection of a combination of brands of a plurality of types of financial products associated with the theme;
Portfolio creation means (for example, the portfolio creation shown in FIG. 8) that calculates the purchase ratio of each of the brands of the financial product for each of the accepted combinations and creates a portfolio by combining brands of a plurality of types of financial products associated with the theme. Part 304),
Is provided.
Thus, for example, an investor (user) can create a stock portfolio (an example of a portfolio of stocks of financial instruments) by performing a simple operation without considering the number of shares or the amount of each stock. .

Further, a prospect receiving unit (for example, a prospect receiving unit 312 in FIG. 8) for receiving a prospect from a user for each brand of the financial product,
Updating means (for example, the portfolio creating unit 304 in FIG. 8) for updating the purchase ratio based on the received outlook,
Can be further provided.
This allows the investor to create a stock portfolio with a desired risk-return balance by performing simple operations without considering the number of shares for each issue.

In addition, a publishing unit that publishes the stock portfolio created based on the theme to the other users as an object of trading between the user and other users (for example, the trading management unit 313 in FIG. 8). Can be further provided.
As a result, investors can create a stock portfolio with the desired risk-return balance by performing simple operations without considering the number of shares for each issue, and use this as a target for trading. it can.

Also, the other user can purchase the portfolio published by the user,
This allows an investor to purchase a theme created by another investor and a stock portfolio associated with that theme.

Further, the shares may be less than one unit.
This allows investors to make diversified investments 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 · · · Trading 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 (2)

When a combination of brands of a plurality of types of financial products is selected by a user, a plurality of themes are provided to the user, with the theme being an idea or a subject that is a keynote of the combination , which can be classified into categories or fields. Presenting means for presenting;
Acquiring means for acquiring a theme selected by the user among the plurality of themes presented by the presenting means,
Selecting means for selecting a combination of brands of a plurality of types of financial instruments associated with the acquired theme,
Initial calculating means for calculating an initial value of a purchase ratio and a purchase price for each brand of the financial instrument for each of the selected combinations;
An information processing apparatus comprising: The combination of brands of the financial product is a combination of brands of stocks,
The share is a fractional share,
The information processing device according to claim 1.

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