JP6952828B2 - Financial product purchase system, financial product purchase method, communication terminal device, and computer program - Google Patents

Description

The present invention provides a financial product purchasing system, a financial product purchasing method, a communication terminal device, etc., which enables prepaid payments such as prepaid cards to be applied as purchase costs when purchasing financial products such as stocks via a network. And computer programs.

Conventionally, a service that allows investors to buy and sell financial products such as stocks online via a network using a communication terminal device such as a computer, a smartphone, or a mobile phone having a communication function has been widely used. There is. In this way, online financial product transactions such as stocks require the user to open an account with a securities company, and the deposit amount of the account is applied to the purchase cost of the financial product. In stock trading, it is common to trade in units of the number of shares that specify the number of shares, but a service that trades in units of the amount of money (specifying the amount of money) that specifies the trading amount is also provided. It is also possible to buy stock for a small amount.

On the other hand, in Patent Document 1 below, securities (for example, stock index-linked investment trust beneficiary certificates: ETFs) can be purchased at retail stores using a prepaid card that can be used for payment at retail stores. The trading method of securities is disclosed. Similarly, Patent Documents 2 and 3 below also disclose the content that securities and the like can be purchased using a prepaid card or the like from a terminal (device) installed in a store or the like.

On the other hand, Patent Document 4 below discloses the content of constructing a website imitating a pachinko amusement park on a network and purchasing stocks as if playing pachinko, and a prepaid card from a securities company's account. By debiting to, you can buy stocks as if you were buying a prepaid card. Further, Patent Document 5 below discloses that a smart card is used to purchase stocks and the like.

Japanese Unexamined Patent Publication No. 2005-196316 Japanese Unexamined Patent Publication No. 2006-31669 Japanese Unexamined Patent Publication No. 2015-38671 Japanese Unexamined Patent Publication No. 2001-142973 Japanese Unexamined Patent Publication No. 11-328295

As shown in Patent Documents 1, 2, 3 and the like described above, conventionally, the purchase of financial products such as stocks with a prepaid card has been performed at stores such as retail stores. In Patent Document 4, stocks are purchased as if purchasing a prepaid card on a website constructed on a network, but since the deposit to the prepaid card uses an account set up by a securities company, it is practically It is a stock purchase using the account of a securities company. Therefore, when purchasing financial products such as stocks online via a network, it has not been conventionally practiced to use a prepaid card or other prepaid payment method.

On the other hand, when purchasing general products other than financial products such as stocks via the online shop of the website built on the network, it is common practice to use prepaid cards sold at stores. However, when using a prepaid card, it is necessary to perform an input operation such as a card ID written on the prepaid card on a website, which causes a problem that such an input operation is troublesome. In particular, in recent years, a wireless mobile terminal such as a tablet computer or a smartphone is often used for browsing a website instead of a personal computer equipped with a conventional physical keyboard. Since the terminal does not have a physical keyboard and the input operation is performed using the soft keyboard displayed on the touch panel type display, the problem that the above-mentioned input operation such as the card ID becomes troublesome is even more remarkable. It has become.

In addition, as in the past, in order to purchase financial products online via a network, the purchase cost must be paid in advance to the user's account, but depending on the amount of financial products purchased, the purchase amount will be the amount deposited in the account. In some cases, the cost will be insufficient. Therefore, the user is required to keep track of the deposit amount in the account of the securities company, which causes a problem that the burden on the user is heavy. In addition, if there is a shortage in the amount deposited in the account for the purchase of financial products, it is necessary to deposit the required amount from the account owned by the user to the account of the user of the securities company at a financial institution such as a bank. In addition to the time and effort required for the deposit work, there is also a problem that such a deposit operation hinders the purchase of financial products at a timing desired by the user.

The present invention has been made in view of such circumstances, and a card ID of a prepaid cart or the like is used to purchase financial products such as stocks online via a network by using a prepaid method such as a prepaid card. It is an object of the present invention to provide a financial product purchase system, a financial product purchase method, a transaction server, and a computer program that can be performed without inputting the above.
Further, in the present invention, by linking a user account used for purchasing a financial product and a prepaid card, even if the deposit amount of the account is insufficient for the purchase cost of the financial product, it is supplemented with a prepayment such as a prepaid card. It is an object of the present invention to provide a financial product purchasing system, a financial product purchasing method, a transaction server, and a computer program that enable smooth purchase of financial products.

In order to solve the above problems, in the financial product purchasing system according to the present invention, a transaction server having payment information of a user account related to a financial product transaction receives a financial product purchase instruction sent from a communication terminal device. Along with this, in a financial product purchase system that processes the purchase of financial products, a prepayment management server that manages information according to the user's prepayment related to the prepaid method is provided for each user, and the transaction server is the communication terminal device. When the user login information sent from is received, a means for performing the user login process based on the received user login information and a means for transmitting the prepayment inquiry information for the user who has completed login to the prepayment management server. When the prepayment management server receives the inquiry information, the prepayment management server is provided with a means for transmitting the prepayment information notifying the prepayment of the user to be inquired to the transaction server, and the transaction server further provides the prepayment. When the money information is received, the means for generating the purchase screen information related to the purchase screen that can accept the operation of instructing the purchase of the financial product using the prepayment notified by the received prepayment information, and the generated purchase The communication terminal device includes means for transmitting screen information to the communication terminal device, and when the communication terminal device receives purchase screen information, means for generating and displaying a purchase screen based on the received purchase screen information, and a displayed purchase. When the screen accepts an operation to instruct the purchase of a financial product using a prepayment, it is characterized by providing a means for transmitting a purchase instruction to purchase the financial product using the prepayment to the transaction server. do.

Further, in the method for purchasing a financial product according to the present invention, the transaction server having the payment information of the user account related to the transaction of the financial product receives the purchase instruction of the financial product sent from the communication terminal device, and the financial product. In the method of purchasing financial products in the financial product purchasing system that processes the purchase of
The financial product purchase system includes a prepayment management server that manages information according to a user's prepayment related to the prepaid method for each user, and the transaction server receives user login information sent from the communication terminal device. In this case, the prepayment management server includes a step of performing a user login process based on the received user login information and a step of transmitting prepayment inquiry information relating to the user who has completed login to the prepayment management server. Provided a step of transmitting the prepayment information notifying the prepayment of the user to be inquired to the transaction server when the inquiry information is received, and the transaction server further receives the prepayment information when it is received. A step of generating purchase screen information related to a purchase screen that can accept an operation for instructing the purchase of a financial product using the prepayment notified by the prepayment information, and transmitting the generated purchase screen information to the communication terminal device. When the communication terminal device receives purchase screen information, the communication terminal device generates and displays a purchase screen based on the received purchase screen information, and finances using a prepayment on the displayed purchase screen. When an operation for instructing the purchase of a product is accepted, it is characterized by including a step of transmitting a purchase instruction to the effect of purchasing a financial product using a prepayment to the transaction server.

The transaction server according to the present invention has payment information of a user account related to a transaction of a financial product, and purchases the financial product in response to receiving a purchase instruction of the financial product sent from an external communication terminal device. When the transaction server that performs processing receives user login information sent from an external communication terminal device, the means for performing user login processing based on the received user login information and the prepayment for the user who has completed login A means of sending inquiry information to an external prepayment management server that manages information according to the user's prepayment related to the prepaid method for each user, and a prepayment that notifies the user's prepayment along with the transmission of inquiry information. When the money information is received, the means for generating the purchase screen information related to the purchase screen that can accept the operation of instructing the purchase of the financial product using the prepayment notified by the received prepayment information, and the generated purchase It is characterized by providing a means for transmitting screen information to an external communication terminal device.

The transaction server according to the present invention is a means for comparing the purchase cost of a financial product with the total amount of the prepayment amount notified by the received prepayment information and the deposit amount of the user account, and the total purchase cost of the financial product. If the amount exceeds the amount, it is provided with a means for generating non-purchasable screen information related to the non-purchasable screen indicating that the purchase of financial products is not possible, and a means for transmitting the generated non-purchasable screen information to an external communication terminal device. It is characterized by that.

When the purchase cost of the financial product exceeds the total amount, the transaction server according to the present invention generates a means for calculating the shortfall amount for the purchase of the financial product and the non-purchasable screen information related to the non-purchasable screen indicating the calculated shortage amount. It is characterized by being designed to do so.
In addition, the transaction server according to the present invention cannot be purchased, including at least one notation of adding a down payment, depositing to a user account, or reducing the purchase amount of a financial product so that the non-purchasable financial product can be resolved. It is characterized in that the non-purchasable screen information related to the screen is generated.
The transaction server according to the present invention is characterized in that it generates information on a non-purchasable screen related to a non-purchasable screen capable of accepting an instruction operation for switching to a screen for designating a purchase amount of a financial product.

The transaction server according to the present invention provides a means for comparing the purchase cost of a financial product with the amount of the prepayment notified in the prepayment information when the purchase cost of the financial product is less than or equal to the total amount, and purchases the financial product. When the cost exceeds the amount of the prepayment, the purchase screen information related to the purchase screen that can accept the purchase instruction operation to instruct the purchase of the financial product using the prepayment and the deposit amount of the user account is generated. It is characterized by being.

The transaction server according to the present invention includes a means for comparing the purchase cost of a financial product with the deposit amount of the user account when the purchase cost of the financial product is less than or equal to the total amount, and the purchase cost of the financial product is the deposit of the user account. When the amount exceeds the amount, the purchase screen information related to the purchase screen that can accept the purchase instruction operation to instruct the purchase of the financial product using the deposit amount and the prepayment of the user account is generated. And.

The transaction server according to the present invention is provided with a means for comparing the purchase cost of the financial product with the amount of the advance payment notified in the advance payment information, and when the purchase cost of the financial product is less than or equal to the amount of the advance payment, the purchase screen. It is characterized in that it is designed to generate information.
Further, the transaction server according to the present invention indicates a means for calculating the shortfall amount for the purchase of the financial product and the calculated shortage amount when the purchase cost of the financial product exceeds the amount of the advance payment, and also indicates the purchased amount of the financial product. It is characterized by having a means for generating non-purchasable screen information related to a non-purchasable screen capable of accepting an instruction operation to switch to a screen for specifying, and a means for transmitting the generated non-purchasable screen information to an external communication terminal device. And.

The transaction server according to the present invention transmits the amount specification screen information related to the amount specification screen capable of accepting the advance payment or the operation of specifying the amount of the user account to the external communication terminal device with respect to the purchase cost of the financial product. If you receive the amount specification information including the fact that you specify the amount of the advance payment for the purchase cost of the financial product in response to the transmission of the amount specification screen information by providing means, the advance payment notified by the advance payment information From the above, the purchase screen information related to the purchase screen that can accept the purchase instruction operation to instruct the purchase of the financial product using the amount of the advance payment specified in the received amount specification information is generated. It is characterized by being.

In the method for purchasing a financial product according to the present invention, a transaction server having payment information of a user account related to a transaction of a financial product receives a purchase instruction for the financial product sent from an external communication terminal device, and the financial product is purchased. When the user login information sent from an external communication terminal device is received in the financial product purchase method that performs the purchase process of, the step of performing the user login process based on the received user login information and the user who has completed the login The step of sending the inquiry information of the prepayment to an external prepayment management server that manages the information according to the user's prepayment related to the prepaid method for each user, and the user's prepayment along with the transmission of the inquiry information. When the prepayment information is received, the step of generating the purchase screen information related to the purchase screen that can accept the operation of instructing the purchase of the financial product using the prepayment notified by the received prepayment information It is characterized by including a step of transmitting the generated purchase screen information to an external communication terminal device.

In the method for purchasing a financial product according to the present invention, a transaction server having payment information of a user account related to a transaction of a financial product receives a purchase instruction for the financial product sent from an external communication terminal device, and the financial product is purchased. When the user login information sent from an external communication terminal device is received in the financial product purchase method that performs the purchase process, the step of performing the user login process based on the received user login information and the user who has completed the login The step of sending the inquiry information of the prepayment to an external prepayment management server that manages the information according to the user's prepayment related to the prepaid method for each user, and the user's prepayment along with the transmission of the inquiry information. When the prepayment information is received, the prepayment used to purchase the financial product or the amount specification screen information related to the amount specification screen that can accept the operation to specify the amount of the user account is transmitted to the external communication terminal device. When the amount specification information that specifies the amount to be used for purchasing the financial product is received along with the step and the transmission of the amount specification screen information, the purchase of the financial product is instructed using the amount specified in the received amount specification information. It is characterized by including a step of generating purchase screen information related to a purchase screen capable of accepting an operation to be performed, and a step of transmitting the generated purchase screen information to an external communication terminal device.

The computer program according to the present invention purchases a financial product by causing a server computer having payment information of a user account related to a transaction of the financial product to receive a purchase instruction of the financial product sent from an external communication terminal device. In the computer program for executing the process, when the server computer receives the user login information sent from the external communication terminal device, the step of performing the user login process based on the received user login information and the login process. In the step of sending the inquiry information of the prepayment related to the completed user to the external prepayment management server that manages the information according to the user's prepayment related to the prepaid method for each user, and with the transmission of the inquiry information, When the prepayment information that notifies the user's prepayment information is received, the purchase screen information related to the purchase screen that can accept the operation of instructing the purchase of the financial product using the prepayment that is notified by the received prepayment information is displayed. It is characterized in that a step of generating and a step of transmitting the generated purchase screen information to an external communication terminal device are executed.

The computer program according to the present invention purchases a financial product by causing a server computer having payment information of a user account related to a transaction of the financial product to receive a purchase instruction of the financial product sent from an external communication terminal device. In the computer program for executing the process, when the server computer receives the user login information sent from the external communication terminal device, the step of performing the user login process based on the received user login information and the login process. In the step of sending the inquiry information of the prepayment related to the completed user to the external prepayment management server that manages the information according to the user's prepayment related to the prepaid method for each user, and with the transmission of the inquiry information, When the prepayment information that notifies the user's prepayment is received, the prepayment used for purchasing financial products or the amount specification screen information related to the amount specification screen that can accept the operation to specify the amount of the user account is displayed on the external communication terminal. When the amount specification information that specifies the amount to be used for purchasing the financial product is received along with the step of transmitting to the device and the transmission of the amount specification screen information, the financial product uses the amount specified in the received amount specification information. It is characterized in that a step of generating purchase screen information related to a purchase screen capable of accepting an operation for instructing the purchase of the above and a step of transmitting the generated purchase screen information to an external communication terminal device are executed.

In the present invention, the transaction server uses the login completion as a trigger to acquire the advance payment information of the logged-in completed user from the advance payment management server, and the advance payment related to the acquired information is used as the purchase cost of the financial product. Since the user is presented with a screen on which the purchase instruction can be issued so that the user can be allocated, the user can purchase the financial product online with a prepayment such as a prepaid card by simply operating the purchase instruction. Therefore, the troublesome operation of inputting an ID such as a prepaid card is released. The prepayment related to the prepaid method in the present invention corresponds to the prepayment according to the prepaid card issued by various business entities, and further, a bank is provided to a user who has opened an account with a financial institution such as a bank. Since the debit card issued by the above can be used for purchasing various products, in the present invention, the deposit of the account according to the debit card also corresponds to the prepaid payment according to the prepaid method in a broad sense.

Further, the financial product in the present invention generally means a product including "securities" and "derivative products (financial derivatives)", and specific examples of "securities" include stocks, bonds, real estate securities, and investment trusts. Specific examples of "derivative products (financial derivatives)" include future transactions, CFD (Contract for Difference), and stock acquisition rights. Further, as a product applicable as a financial product according to the present invention, a financial product having a broad meaning other than the above can be applied. For example, convertible corporate bonds, margin trading, domestic bonds, foreign bonds, MMFs, medium-term Government bond funds, MRF, REIT, CFD, ETF, ETN, foreign exchange, gold, platinum, commodity futures, various time deposits, various structured deposits, various savings, various savings, investment trusts, various insurances, money trusts, foreign currency deposits, etc. be. Furthermore, the present invention can be applied to both bilateral transactions and consignment transactions by securities companies and the like. The present invention can deal with both transaction (purchase) in monetary units and transaction (purchase) in product units (for example, number of shares).

In the present invention, when the purchase cost of the financial product is less than or equal to the amount of the advance payment, a purchase screen on which the user can operate the purchase instruction is presented. Therefore, the advance payment such as a prepaid card is used. You can purchase financial products online smoothly.

Further, in the present invention, when the purchase cost of the financial product exceeds the amount of the advance payment, the user is presented with a non-purchasable screen showing the shortage amount for the purchase of the financial product, so that the advance payment by the prepaid method cannot be used. It becomes possible for the user to understand it, and it is possible to prevent the user from becoming unnecessarily confused. In addition, on this non-purchasable screen, it is possible to accept instructions to switch to the screen for specifying the purchase amount of financial products, so it is an opportunity to switch screens to reduce the purchase amount and enable the purchase of financial products. Can be provided to users.

In the present invention, when the purchase cost of the financial product exceeds the total amount of the advance payment and the user account, a non-purchasable screen indicating that the purchase of the financial product is not possible is presented to the user. It becomes possible for the user to understand that money cannot be dealt with, and it is possible to prevent the user from becoming unnecessarily confused.
Further, in the present invention, since the shortage amount for the purchase of the financial product is presented on the non-purchasable screen, the user can grasp the specific shortage amount and deal with the fact that the financial product cannot be purchased. It will be easier to consider.

In the present invention, in order to eliminate the non-purchasable financial product on the non-purchasable screen, specific contents such as addition of advance payment, deposit to the user account, or reduction of the purchase amount of the financial product are provided. At least one is presented, which makes it easier for the user to consider a specific response.
Further, in the present invention, since it is possible to accept an instruction operation to switch to the screen for specifying the purchase amount of the financial product on the non-purchasable screen, the user can smoothly respond when reducing the purchase amount. It will be easier to do.

In the present invention, when the purchase cost of the financial product is less than or equal to the total amount, but the amount of the advance payment is exceeded, the purchase screen on which the instruction to purchase the financial product can be operated using the advance payment and the user account is displayed. Since the purchase screen information is generated, when the advance payment is insufficient, it can be compensated by the user account, and the convenience of the user can be ensured by not missing the purchase opportunity of the financial product.

Further, in the present invention, when the purchase cost of the financial product is less than or equal to the total amount, but the deposit amount of the user account is exceeded, it is possible to operate the instruction to purchase the financial product using the user account and the advance payment. Since the purchase screen information related to the purchase screen is generated, the shortage of the user account can be immediately applied with the advance payment, so even if you do not make a deposit to the user account, you can purchase financial products by linking the user account and the advance payment. Opportunities can be secured and user convenience can be improved.

In the present invention, the amount used for payment of the purchase of a financial product is sent to the user side with the amount specification screen information related to the amount designation screen that can be specified from the advance payment or the user account, and the user side sends the financial product. When the information that specifies the amount of the advance payment to be used for the purchase is received, the user presents the purchase screen information related to the purchase screen that can operate the purchase instruction according to the specification to the user, so that the user can use the advance payment or You can freely specify the amount in the user account to purchase financial products, and you can increase the degree of freedom of payment method at the user's discretion.

In the present invention, the transaction server acquires the information related to the user's advance payment from the advance payment management server and presents the user with a purchase screen on which the advance payment can be purchased for a financial product. You can easily purchase financial products online using advance payments such as prepaid cards, without having to enter.
Further, in the present invention, when the purchase cost of the financial product is less than or equal to the amount of the advance payment, the purchase screen is presented so that the user can operate the purchase instruction. Therefore, online using the advance payment such as a prepaid card. You can purchase financial products smoothly at.

In the present invention, when the purchase of a financial product becomes impossible due to the relationship of the amount of advance payment or the like with respect to the purchase cost of the financial product, a non-purchase screen showing the shortage amount for the purchase of the financial product is presented to the user. , The user can understand that the advance payment by the prepaid method cannot be dealt with, and the user can be prevented from becoming unnecessarily confused.
Further, in the present invention, in order to eliminate the inability to purchase financial products, a specific notation such as addition of advance payment, payment to a user account, or reduction of purchase amount of financial products is displayed on the non-purchase screen. Since it is shown by, the user can consider a specific response to the non-purchasable.

In the present invention, when the purchase cost of the financial product is less than or equal to the total amount, but the amount of the advance payment is exceeded, a purchase screen capable of operating the instruction to purchase the financial product using the advance payment and the user account is displayed. Since it is presented, even when the advance payment is insufficient, it can be supplemented with the user account to smoothly purchase the financial product, and the convenience of the user can be ensured.

Further, in the present invention, when the purchase cost of the financial product is less than or equal to the total amount, but the deposit amount of the user account is exceeded, it is possible to operate the instruction to purchase the financial product using the user account and the advance payment. Since the purchase screen is presented, the shortage of the user account can be immediately applied with the advance payment, and financial products can be purchased by linking the user account and the advance payment without making a deposit to the user account. You can avoid letting go.

In the present invention, the purchase of a financial product sent from the user side is presented to the user on an amount specification screen in which the amount used for payment of the purchase of the financial product can be specified from the advance payment or the user account. When the information for specifying the amount of the advance payment to be used for is received, the purchase screen information related to the purchase screen capable of operating the purchase instruction according to the specification is presented to the user, so that the advance payment or the user The user can freely specify the amount in the account to purchase financial products, and can secure a payment method at the user's own discretion.

It is the schematic which shows the overall structure of the financial product purchase system which concerns on 1st Embodiment of this invention. It is a block diagram which shows the main internal structure of the advance payment management server. It is a chart which shows an example of a prepaid DB (database). It is a block diagram which shows the main internal structure of a transaction server. It is a chart which shows an example of a user DB. It is a schematic diagram which shows the outline of the contents of an account DB. It is a chart which shows an example of the contents of a user account table. It is a block diagram which shows the main internal structure of the smartphone (communication terminal device) which is an example of a user terminal. It is a schematic diagram which shows the login screen. (A) is a schematic view showing a prepaid use setting screen, and (b) is a schematic view showing a card setting screen. It is a schematic diagram which shows the transaction screen. It is the schematic which shows the non-purchasable screen. It is a schematic diagram which shows the purchase screen at the time of making a purchase using a prepaid card. It is a schematic diagram which shows the purchase screen at the time of making a purchase using a prepaid card and a user account. It is a schematic diagram which shows the purchase screen at the time of making a purchase using a user account. It is a schematic diagram which shows the purchase screen at the time of making a purchase using a user account and a prepaid card. It is a schematic diagram which shows the amount specification screen. It is the schematic which shows the purchase completion screen. It is a 1st flowchart which shows the processing procedure of the financial product purchase method. It is a 2nd flowchart which shows the processing procedure of the financial product purchase method. It is a 3rd flowchart which shows the processing procedure of the financial product purchase method. It is a 4th flowchart which shows the processing procedure of the financial product purchase method. (A) is a schematic diagram showing the stored contents of the user terminal according to the second embodiment, and (b) is a schematic diagram showing the stored contents of the transaction server of the second embodiment.

FIG. 1 shows the overall outline configuration of the financial instrument purchasing system 1 according to the first embodiment of the present invention. The financial product purchase system 1 enables the use of advance payments related to a prepaid method (for example, various cards such as prepaid cards) for payments required for online purchase of financial products. At that time, the prepaid card or the like can be used. It is characterized by making it possible to use advance payments such as prepaid cards without inputting the card ID of the above, which enhances the convenience of the user.

In the present embodiment, the advance payment included in the prepaid card is used as the advance payment related to the prepaid method, and the advance payment related to the prepaid method is either a single-use type or a chargeable type of the advance payment. Although it can be used, it is necessary that the user who uses the advance payment can be identified by the business entity that manages the advance payment. Therefore, in the present embodiment, in identifying the user who uses the advance payment, a prepaid advance payment issued by an entity that collects expenses for the user at regular intervals (for example, on a monthly basis) is used. Is preferable.

Examples of cost collection at regular intervals include utility costs related to the use of water and sewage, electricity, and gas, communication costs related to the use of fixed / mobile phones (including smartphones) and data communication, newspapers / magazines, etc. Purchase costs, leasing costs for various leased products, rental costs for rental properties, security costs to be paid to security companies, purchase costs for subscription products, etc. can be assumed, and advance payments are included in these costs paid in fixed period units. By collecting the amount of money in addition to the amount, it is possible to create a situation in which the user's advance payment is surely generated at regular intervals and the advance payment can be applied to the purchase of financial products.

In the present embodiment shown in FIG. 1, a prepaid card issued by a communication carrier business entity that collects communication costs related to communication equipment used by a user is used as an example. The telecommunications carrier business entity has constructed a telecommunications carrier system 4 in order to perform various management processes associated with communication, and in this system, the usage status of the user's prepaid card, etc. (balance of advance payment related to the prepaid card). Etc.) is included in the advance payment management server 5. The advance payment management server 5 can provide amount information according to the advance payment related to the prepaid card through the network NW.

Further, in the present embodiment shown in FIG. 1, a case where stocks are handled as an example of a financial product is described, and a securities company system 2 constructed by a securities company that accepts stock purchase orders from users is a financial product. The purchase system 1 is used. The securities company system 2 is composed of a trading server 80 or the like that receives an order for stock purchase from a user through a network NW. In addition, the user needs to open his / her own account (user account) with the securities company that handles the purchase of stocks in advance, and the transaction server 80 receives the payment information of the user account opened in advance. It is owned by each user.

The securities company system 2 of the securities company in which the user opens an account performs the trading process of the stock by bilateral trading (transaction in which the trading method, transaction price, and transaction volume are determined between the trading parties without going through the market). In addition, by providing a service that conducts transactions in units of money (specifying the amount) that specify the trading amount of the stock, it is possible to purchase stock at a small amount. Then, the securities company system 2 can also communicate with the exchange system 3 that conducts stock market transactions, and transmits / receives information related to processing based on the stock trading with the user to the exchange system 3. The exchange system 3 receives various information (stock unit price of each stock, fluctuation status of unit price, etc.) related to the transaction of each stock from the securities company system 2 and performs a predetermined transaction process.

Although not shown in FIG. 1, an information collection system that provides information for investors regarding corporations, etc. of stocks to be traded is also connected to the network NW, and such a collection of information species. Information distributed from the system can also be provided to the user via the securities company system 2.

In addition, users (U1, U2, U3, etc.) who are investors are registered in the online stock trading service provided by the securities company system 2 of the securities company in order to use online stock trading, and each user is registered. It is assumed that the user ID has been assigned (issued). The user terminals T1, T2, T3 and the like used by such a user correspond to a communication terminal device, and specifically, a personal computer (stationary type or portable personal computer) having a communication function, a portable user terminal. A kind of computer-like device having a communication function such as (tablet, smartphone, PDA with communication function, mobile phone, etc.) can be applied as a user terminal. Hereinafter, the first embodiment of the present invention will be described in detail.

FIG. 2 shows the main internal configuration of the advance payment management server 5 included in the communication carrier system 4. The advance payment management server 5 manages the amount information related to the advance payment according to the user's prepaid card for each user. Although FIG. 2 shows an aspect of one server device as the prepayment management server 5, the prepayment management is performed by performing distributed processing for the management process related to the prepaid cart and also distributing the data management to the database device. It is also possible to construct the server 5 by combining a plurality of server computers, a database system, and the like, and even when the server 5 is constructed by such a plurality of devices, it corresponds to the prepayment management server 5 in the present invention.

A general server computer is applied as the prepayment management server 5 in the present embodiment, and various devices and the like are connected to the MPU 5a (control unit 5a) that performs overall control and various processes by an internal connection line 5h. The various devices include a communication module 5b, a RAM 5c, a ROM 5d, an input interface 5e, an output interface 5f, a large-capacity storage system (HDD system) 5g, and the like.

The communication module 5b is a communication device (communication means) corresponding to a connection module with the network NW, and corresponds to a required communication standard (for example, a LAN module). The communication module 5b is connected to the network NW via a required communication device (not shown, for example, a router or the like), and enables communication with the transaction server 80 or the like of the securities company system 2.

The RAM 5c temporarily stores the contents, files, and the like associated with the processing of the MPU 5a, and the ROM 5d stores the programs and the like that define the basic processing contents of the MPU 5a. The input interface 5e is connected to a keyboard 5i, a mouse, etc. that receive operation instructions and the like from the system administrator of the communication carrier system 4, and transmits the operation instructions and the like received from the system administrator and the like to the MPU 5a. A display 5j (display output device) is connected to the output interface 5f, and the contents associated with the processing of the MPU 5a are output to the display 5j so that the system administrator or the like can check the current processing contents. ..

The large-capacity storage system 5g (corresponding to the storage medium means) stores a program, a database (DB), etc., and in the present embodiment, the server system program P1, the management program P2, the prepaid DB (database) 6 and the like are stored. I remember.

The server system program P1 defines various processes according to the operation system for the server, and the MPU5a executes the processes based on the specified contents, so that the advance payment management server 5 is basic as a server. Fulfill function. The management program P2 will be described later, and the prepaid DB6 and the like will be described first.

FIG. 3 shows an example of the contents of the prepaid DB6, and the communication carrier business entity that collects the communication fee related to the communication device used by the user has a contract with the user regarding the use of the communication device, etc. At this time, in order to specify the communication volume of the communication device for each user, a communication user ID for user identification is issued for each user, and the Propaid DB6 has a communication PW (password) and a card in the items of this communication user ID. Various information of the user is managed by associating items such as ID, prepaid amount, and usage history, and storing information for each user in each item in association with the user ID.

The user can apply for the use of the prepaid card issued by the telecommunications carrier when making a contract with the telecommunications carrier regarding the use of communication equipment, etc., or after the contract, use the prepaid card. The user who applied will pay a prepayment (fixed amount) for the prepaid card in addition to the monthly communication fee. When applying for a monthly advance payment for a prepaid card, the user can select multiple types of fixed amounts.

For example, as a monthly advance payment for a prepaid card, the user selects one of 10,000 yen, 20,000 yen, 30,000 yen, 50,000 yen, 100,000 yen, etc., and communicates with this selected amount. The user pays the telecommunications carrier company monthly the amount including the communication cost according to the amount. Since the prepaid card used in this embodiment has the above-mentioned specifications, it is a rechargeable type, and the prepaid card actually delivered to the user is given a card ID like the conventional prepaid card. It has become a thing, and it can be used not only for purchasing stocks but also for purchasing various other products.

The communication PW (password) associated with the communication user ID in the prepaid DB 6 of FIG. 3 is information indicating a password set by the user (registered user) who receives various services from the communication carrier business entity. This communication PW will be used together with the communication user ID at the time of processing that requires user authentication. Further, the card ID associated with the communication user ID in the prepaid DB 6 is information for identifying the prepaid card distributed to the user according to the communication user ID. Further, the prepayment amount associated with the communication user ID in the prepaid DB6 is information indicating the latest balance of the prepaid card used by the user according to the communication user ID (corresponding to the amount information of the prepayment). This prepayment amount is updated at any time by using the prepaid card or charging the prepaid card (payment of the monthly prepayment).

Then, in the usage history item in the prepaid DB6, information indicating the history of the user using the prepaid card according to the communication user ID is sequentially stored in chronological order. The stored information includes the date of use of the prepaid card and the amount used (a negative amount means the purchase of goods and services using the prepaid card, and a positive amount means the charge to the prepaid card. ), The target of use, etc. are included. The information stored in this usage history item corresponds to the information (purchase completion information, etc.) sent from the server related to the institution / business entity to which the prepaid card is used to the advance payment management server 5. As will be described later, when the MPU5a of the advance payment management server 5 receives such information, it will be stored in the usage history item of the prepaid DB6.

Next, the programming contents defined by the management program P2 stored in the large-capacity storage system 5g will be described. The management program P2 is installed in the large-capacity storage system 5g via a storage medium such as an optical disk, and the processing contents defined by the management program P2 are mainly the construction / update of the prepaid DB 6 shown in FIG. 3 described above. There are processing related to the above, payment-related processing associated with the use of prepaid cards, etc., and the control contents performed by MPU5a for these processing are specified.

First, as a process related to the construction / update of the prepaid DB6, a user who newly applies for the use of the prepaid card is generated, and the information (communication user ID, communication PW, card ID, etc.) of this user is used as the communication carrier system 4. When notified to the prepayment management server 5, the MPU 5a will perform a process of newly storing the notified user information in the prepaid DB 6. Further, when the payment process associated with the use of the user's prepaid card is completed, the MPU 5a performs a process of storing the payment content in the usage history item of the prepaid DB 6 together with the completion date and time of the payment process. Further, when the advance payment management server 5 or the like trusts the information (information indicating the communication user ID, the amount of use or charge, etc.) associated with the charge of the prepaid card, the MPU5a sends the received information together with the reception date and time of the information. A control process is performed in which the item of the usage history of the prepaid DB 6 is stored in association with the communication user ID included in the received date and time. Then, when the MPU5a updates the usage history item of the prepaid DB6 as described above, the amount of the advance payment stored in the prepaid amount item of the prepaid DB6 is also updated according to the fluctuation of the usage history. Performs the process of updating to the amount of.

In addition, when the prepayment management server 5 receives the prepaid card prepayment inquiry information (information including the communication user ID) from an external server affiliated with the use of the prepaid card, the MPU5a uses the inquiry information as the inquiry information. The prepayment amount associated with the included communication user ID is specified from the prepaid DB 6, and the control process of transmitting the prepayment information notifying the specified prepayment amount to the server outside the inquiry source is performed. In addition, when purchase completion information (communication user ID, information indicating the amount of advance payment used, etc.) is received from an external server, the process for settling the amount included in the information is performed by the sender of the information. MPU5a performs this for the server. With the completion of this settlement, the MPU5a will update the items of the usage history of the prepaid DB6 described above.

FIG. 4 shows a transaction server 80 included in the securities company system 2. The transaction server 80 constitutes a core part of the securities company system 2 and performs processing necessary for providing an online stock service to a user. Although FIG. 4 shows only one transaction server 80, for example, a transaction server 80 is configured by combining a plurality of server computers, a database system, and the like by performing distributed processing and the like for various processes performed by the transaction server 80. However, even in the case of such a configuration with a plurality of devices, it corresponds to the transaction server 80 in the present invention. Hereinafter, the transaction server 80 will be described.

As the transaction server 80 in this embodiment, a general server computer is applied, and various devices and the like are connected to the MPU 80a (control unit 80a) that performs overall control and various processes by an internal connection line 80h. The various devices include a communication module 80b, a RAM 80c, a ROM 80d, an input interface 80e, an output interface 80f, a large-capacity storage system (HDD system) 80g, and the like.

The communication module 80b is a communication device (communication means) corresponding to a connection module with a network, and conforms to a required communication standard (for example, a LAN module). The communication module 80b is connected to a network (internal network or external network of securities company system 2) via a required communication device (not shown, for example, a router or the like), and user terminals T1, T2, T3. Etc. and various external servers (prepayment management server of communication carrier system 4, server of exchange system 3, etc.) can be communicated.

The RAM 80c temporarily stores the contents, files, and the like associated with the processing of the MPU 80a, and the ROM 80d stores the programs and the like that define the basic processing contents of the MPU 80a. The input interface 80e is connected to a keyboard 80i, a mouse, etc. that receive operation instructions and the like from the system administrator of the securities company system 2, and transmits the operation instructions and the like received from the system administrator and the like to the MPU 80a. A display 80j (display output device) is connected to the output interface 80f, and the contents associated with the processing of the MPU 80a are output to the display 80j so that the system administrator or the like can check the current processing contents or the like. ..

The large-capacity storage system 80 g (corresponding to a storage medium means) stores a program, a database (DB), etc., and in the present embodiment, the system program P10, the transaction program P11, the brand information DB81, the user DB82, the account DB83, And the user-owned brand DB84 and the like are stored.

The system program P10 defines various processes according to the operation system for the server, and when the MPU 80a executes the processes based on the specified contents, the transaction server 80 performs the basic functions as a server computer. Fulfill. The transaction program P11 will be described later, and the brand information DB81 and the like will be described first.

The stock information DB 81 stores the latest information (latest price, lowest price, highest price of the day) and daily information (closing price, lowest price, highest price) for each stock handled by the securities company system 2. It is a database, and information on required stocks can be extracted in response to requests from users. The information stored in the brand information DB 81 is acquired from an external server (such as a server of an information collection system), and the brand information DB 81 is appropriately updated by storing the acquired new information. ..

FIG. 5 shows an outline of the contents of the user DB 82. The user DB 82 is a database that stores various information of a user who has registered in the online stock trading service provided by the securities company system 2 and opened a trading account, and a user ID that identifies the user is generated according to the user registration. It is assigned to a registered user by the securities company system 2, and various information is stored in the user DB 82 in association with the assigned user ID. Specifically, the user DB 82 stores the user's name, address, telephone number, e-mail address, UID (identification information of the user terminal), occupation, PW (password), etc. for each user ID. In this embodiment, the registered e-mail address is used as the login ID at the time of login, and the PW uses the alphanumeric information set by the user at the time of user registration.

In addition, the securities company that operates the securities company system 2 is affiliated with the prepaid card service provided by the telecommunications carrier operator that operates the telecommunications carrier system 4, and this telecommunications carrier entity uses the issued prepaid card to make shares. Is available for purchase. Therefore, the information necessary for using the prepaid card is also stored in the user DB 82 for the user who applied for the use of the prepaid card of the telecommunications carrier at the time of opening the user's account or after opening the account. In the user DB 82, the items of information necessary for using the prepaid card include a card usage item indicating that the user terminal has set the use of the prepaid card, a communication user ID issued by the communication carrier company, and the communication user ID issued by the user. And items for storing the card ID of the prepaid card used by the user, and information corresponding to these items is stored in association with the user ID. In the present embodiment, the prepaid card cannot be used for stock purchase only by applying to the telecommunications carrier to use the prepaid card, and the prepaid card is displayed on the prepaid usage setting screen of FIG. 10A, which will be described later. By setting the use of the card, you will be able to use the prepaid card to purchase shares.

In addition, the user who has set the use of the prepaid card can set the usage of the prepaid card as described later, and as the usage of the prepaid card, when the prepaid card is preferentially used, the user account. When using with priority, the amount of money used for the prepaid card may be specified for each purchase. Therefore, in the card setting item of the user DB 82 in FIG. 5, the information "card priority" is stored when the user account is used with priority, and "account priority" is stored when the user account is used with priority. Information is stored, and when the usage amount is specified for each purchase, the information "amount specification" is stored.

The user information stored in the user DB 82 is also updated as appropriate, and when a new user opens a user account for the securities company system 2, information about the new user is added to the user DB 82, and the user account is opened. When the contract is canceled, the information about the user is deleted from the user DB 82. For users who apply to a securities company to start a prepaid card when opening a user account, information indicating the communication user ID, card ID, card settings, etc. related to the prepaid card is sent to the securities company system 2 along with information about the user. Is provided, and the information provided by the user is stored in the user DB 82 in association with the user ID. When an application for using a prepaid card is made after opening a user account, card usage information notifying the communication user ID, card ID, etc. is transmitted from the user terminal to the transaction server 80, so that the MPU 80a has received it. A process is performed in which the communication user ID and the like included in the card usage information are associated with the user ID and stored in the user DB 82.

FIG. 6 shows an outline of the contents of the account DB 83 stored in the above-mentioned large-capacity storage system 80 g. The account DB 83 is an aggregate of user account tables 900, 901, 902 and the like that store account information related to user accounts (transaction accounts used for transactions of securities companies) for each registered user (user ID).

FIG. 7 shows an outline of the contents of the user account table 900 having the user ID of 0001 as an example of the user account table stored in the account DB 83. The user account table 900 stores the latest balance (deposit amount) of the registered user's user account and the history of stock trading transactions (amount / date used for stock purchase, amount / date obtained by selling stock, etc.). It has become a thing. Therefore, the account DB 83 includes the user account table for each user as described above, so that the account information (payment information) is held and grasped for each user (user ID).

Further, the user-owned stock DB 84 stored in the large-capacity storage system 80 g basically has the same configuration as the account DB 83 described above, and the user who stores the owned stock stock and the owned amount for each user (user ID). It is a collection of stock holding tables, so that the securities company system 2 can grasp the stock stocks owned by each user and the information associated with their trading processing.

Next, the processing content defined by the transaction program P11 stored in the large-capacity storage system 80g in the transaction server 80 of the securities company system 2 will be described. The transaction program P11 of the present embodiment is installed in the large-capacity storage system 80 g via a storage medium such as an optical disk, and various control processes and the like executed by the MPU 80a regarding user login, sales transaction, use of a prepaid card, and the like. It is the one that regulates. First, regarding the user's login, when the user's login information (user's email address, password, UID of the user's terminal, etc.) sent from the user terminal is received by the communication module 80b, the received login information is shown in FIG. The transaction program P11 defines that the MPU 80a performs a process (login process) for determining whether or not matching information is stored in the user DB 82.

When it is determined that the received login information (user login information) is not stored in the user DB 82, the login impossible information indicating that the login information does not match is transmitted to the user terminal of the login information source using the communication module 80b. The transaction program P11 defines that the MPU 80a controls the control. On the other hand, when it is determined that the received login information is stored in the user DB 82, the login is completed for the user ID corresponding to the login information, the user ID is set to the logged-in state, and the user ID is in the logged-in state. The login status information indicating that the login is stored in the RAM 80c or the like, and the MPU 80a performs a process of transmitting the login completion information indicating that the login is completed to the user terminal of the user who has completed the login. The login status information is stored in the RAM 80c together with the user ID until the logoff information from the user terminal is received.

For the logged-in user, the MPU 80a performs a process of determining whether or not the information "use" is stored in the "card use" item of the user DB 82. When the "use" information is stored, the inquiry information (information including the communication user ID and the card ID) for inquiring the prepaid card prepayment of the logged-in user (user who has completed the login) is sent to the communication carrier system. The MPU 80a performs a process of transmitting to the prepayment management server 5 of 4. It is assumed that the address information for sending the information to the prepayment management server 5 is notified to the securities company system 2 in advance and stored in the large-capacity storage system 80g of the transaction server 80, and the MPU 80a stores this storage. Various information is transmitted to the prepayment management server 5 based on the provided address information.

Then, when the advance payment information for notifying the advance payment of the user to be inquired is received from the advance payment management server 5 along with the transmission of the inquiry information, the received advance payment information is transmitted to the RAM 80c to the login status information of the user. The MPU80a will perform the process of storing in association with.

If the "use" information is not stored in the "card use" item of the user DB 82, the above inquiry information transmission process is not performed. Further, when the transaction server 80 receives the prepaid usage information indicating that the prepaid card is used from the user terminal, the transaction server 80 is associated with the user ID included in the prepaid usage information, and "use" is displayed in the "card use" item of the user DB 82. The MPU80a performs a process of storing the information.

Then, if the information is already stored in each item of "communication user ID", "card ID" and "card setting" of the user DB 82 in association with the user ID storing the information "use", the card is used. The MPU 80a performs a process of transmitting the card usable information notifying the possibility to the user terminal that has transmitted the prepaid usage information.

On the other hand, when the information is not yet stored in each item of "communication user ID", "card ID" and "card setting" associated with the user ID storing the information "use", the MPU80a relates to the card setting. The MPU 80a performs a process of transmitting the card setting request information to the effect that the information is requested to the user terminal of the transmission source of the prepaid usage information. When the transaction server 80 receives the card setting information sent from the user terminal in response to the transmission of the card setting request information, it is associated with the user ID included in the card setting information and the "communication" of the user DB 82 is performed. The MPU80a performs a process of storing communication user ID, card ID, and card setting information included in the card setting information in each item of "user ID", "card ID", and "card setting", and also displays card usable information. The MPU 80a performs a control process of transmitting to the user terminal.

On the other hand, when the transaction server 80 receives the prepaid non-use information indicating that the prepaid card is not used from the user terminal, it corresponds to the user ID included in the prepaid non-use information and is displayed in the "card use" item of the user DB 82. The MPU 80a performs a process of storing the information "not used", and the MPU 80a performs a control process of transmitting the non-prepaid information to the user terminal. The setting of use or non-use of the prepaid card can be changed at any time based on the information sent from the user terminal in this way, and with such a change, items related to the prepaid card in the user DB 82 (card use, communication user). The information stored in each item of ID, card ID, and card setting) is also updated as appropriate.

Further, when the transaction server 80 receives the purchase order information for specifying the stock brand to be purchased and the purchase amount (purchase amount) from the user terminal of the logged-in user, the MPU 80a sends the purchase order information. It is determined whether or not the user of the user terminal has set the use of the prepaid card. This determination is made based on whether or not the "use" information is stored in the "card use" item in the user DB 82.

If it is determined that the user of the user terminal that sent the purchase order information has not set the use of the prepaid card, the MPU80a identifies the purchase amount related to the purchase order information and compares it with the latest balance included in the account DB83. , Determine if the purchase price is less than or equal to the latest balance. If the purchase amount is less than or equal to the latest balance, MPU80a determines that the specified stock can be purchased in the specified amount (amount), and instructs the purchase of the specified stock using the user account. Performs a process of generating purchase screen information related to a purchase screen capable of accepting purchase instruction operations and transmitting it to a user terminal. On the other hand, if the purchase amount exceeds the latest balance, the MPU80a determines that the purchase is not possible, and the specified amount of the designated stock is not available for purchase, and the non-purchase screen information related to the non-purchase screen indicating the shortage for the purchase is generated. And perform the process of sending to the user terminal.

When it is determined that the user of the user terminal that has sent the purchase order information has set the use of the prepaid card, the MPU80a transfers the purchase amount included in the received purchase order information to the logged-in user included in the account DB83. The MPU80a determines whether the purchase amount exceeds the total amount by comparing with the latest balance (deposit amount) stored in the user account table and the total amount of the prepayment indicated by the prepayment information of the RAM 80c. If the purchase amount exceeds the total amount, the purchase funds will be insufficient, so the shortage amount will be calculated, and the MPU80a will determine that the purchase is not possible based on the contents related to the received purchase order information.

When it is determined that the purchase is not possible, the MPU80a generates the non-purchasable screen information for displaying the non-purchasable screen indicating that the purchase is not possible on the user terminal, and the user terminal that has sent the purchase order information. The process of sending to is performed. This non-purchasable screen information generated corresponds to the non-purchasable screen that includes information for eliminating the shortfall for the purchase in addition to the shortage for the purchase of the specified amount of the designated stock. ing. Specific information for resolving the shortfall includes charging the prepaid card (addition of advance payment), depositing to the user account, and reducing the specified amount of designated stocks (reduced to less than the total amount). It corresponds to the notation. Furthermore, the non-purchasable screen information is an instruction operation to switch the display to the transaction screen (corresponding to the screen for setting the purchase amount of the designated stock stock) so that the user can smoothly reduce the purchase amount of the designated stock stock. It contains information that instructs the user terminal to generate a non-purchasable screen that can be accepted.

On the other hand, if it is determined that the purchase amount does not exceed the total amount and is less than or equal to the total amount, the MPU80a determines that the total amount can be purchased, and the subsequent processing is performed in the card setting item of the user DB82. It will be different depending on whether "priority", "account priority", or "amount designation" is set.

When the information "card priority" is stored in the card setting item of the user DB 82, the MPU80a compares the purchase amount with the advance payment, and if the purchase amount is less than or equal to the advance payment amount, the MPU80a uses the advance payment. Process to generate purchase screen information including the content to confirm that the specified amount of the designated stock is to be purchased (for example, the content to confirm that the purchase is made using the advance payment of 30,000 yen) and send it to the user terminal. conduct. On the other hand, when the information "card priority" is stored and the purchase amount exceeds the advance payment amount, the specified amount of the designated stock issue cannot be purchased by the advance payment alone, so the shortfall amount exceeding the advance payment amount Calculate and then use the full amount of the advance payment and confirm that the purchase will be made using the deposit amount of the user account for the shortage (for example, use the advance payment of 20,000 yen and the user account of 10,000 yen). The MPU80a generates purchase screen information including (contents for confirming the purchase) and transmits it to the user terminal.

Further, when the information "account priority" is stored in the card setting item of the user DB 82, the MPU 80a compares the purchase amount with the latest balance (deposit amount) of the user account, and the purchase amount is the latest balance of the user account. In the following cases, purchase screen information including the content to confirm that the specified amount of the designated stock stock will be purchased using the user account (for example, the content to confirm that the purchase will be made from the user account using 30,000 yen) Performs the process of generating and sending to the user terminal. On the other hand, when the information "account priority" is stored and the purchase amount exceeds the latest balance (deposit amount) of the user account, the specified amount of the specified stock issue cannot be purchased by the user account alone, so the user account Calculate the shortfall amount that exceeds the latest balance of the user account, and then confirm that the full amount of the latest balance of the user account will be used and that the shortage amount will be purchased using the advance payment (for example, 20,000 from the user account). The MPU80a generates purchase screen information including (contents for confirming that the purchase is made using yen and an advance payment of 10,000 yen), and performs a process of transmitting the purchase screen information to the user terminal.

Further, when the information "amount designation" is stored in the card setting item of the user DB 82, the MPU 80a does not immediately generate the purchase screen information, but indicates the advance payment and the latest balance (deposit amount) of the user account. At the same time, generate the amount specification screen information for displaying the amount specification screen that can accept the advance payment to be used for the purchase amount or the amount specification operation of the user account on the user terminal, and send it to the target user terminal. Processing will be performed.

This amount specification screen information includes information related to automatic processing of a script system that can perform a certain calculation process, and when either the advance payment or the user account amount is set, the set amount is set. It is equipped with a process to automatically set the other amount by deducting it from the purchase amount of the designated stock. For example, if the purchase amount of the specified amount of the designated stock is 50,000 yen, and the user specifies that the advance payment of 20,000 yen will be used on the amount specification screen displayed on the user terminal, the user will be subjected to the above-mentioned automatic processing. The amount specification screen information is generated with the specification that automatically specifies that 30,000 yen will be used from the account.

Then, when the transaction server 80 receives the information (amount specification information) for which the amount is specified from the user terminal in connection with the transmission of the amount specification screen information described above, the MPU 80a specifies the payment method notified by the amount specification information. Purchase screen information including the content confirming that the specified amount of stocks will be purchased will be generated and transmitted to the target user terminal. For example, if the purchase amount of the specified amount of the stock stock specified by the user is 50,000 yen, and the user specifies that the advance payment is 20,000 yen and the user account uses 30,000 yen, the MPU80a is the advance payment. Control is performed to generate purchase screen information that confirms that 20,000 yen and 30,000 yen will be used in the user account and send it to the user terminal. In addition, if the purchase amount of the specified amount of the stock brand specified by the user is 50,000 yen, the advance payment is 60,000 yen, and the user specifies to use 50,000 yen out of the 60,000 yen, MPU80a Controls to generate purchase screen information for confirming that the advance payment of 50,000 yen will be used and send it to the user terminal.

When the transaction server 80 receives the purchase instruction sent from the user terminal in connection with transmitting the purchase screen information of any of the above contents, the MPU 80a executes the purchase process according to the received purchase instruction. .. Then, when the purchase process is completed, the MPU 80a performs a process of transmitting the purchase completion information notifying that the purchase of the designated amount of the designated stock brand is completed to the target user terminal. In addition, when the advance payment is used in the completed purchase process, the MPU80a specifies the amount of the advance payment used, and the advance payment usage information (user of the user who purchased the brand) notifies the specified amount of the advance payment. A process of transmitting the information including the ID) to the advance payment management server 5 is performed.

FIG. 8 shows a main internal configuration of a smartphone 10 (communication terminal device) which is an example of a user terminal (T1, T2, T3, etc.). The smartphone 10 corresponds to a kind of computer (computer provided with communication means and storage means) that performs various processes according to a program. The smartphone 10 has a CPU 10a (processor 10a) that performs overall control and various processes, and a communication / communication module 10b (corresponding to a communication means), a RAM 10c, a ROM 10d, an input / output interface 10e, and an operation via an internal connection line 10i. Various devices such as a unit 10h and a storage unit (corresponding to a storage means) 10g are connected. Even if the user terminal is a communication terminal device other than a smartphone (computer or tablet having a communication function, etc.), the basic configuration is the same as that shown in FIG. 8, so FIG. 8 shows all types. It shows the outline of the communication terminal device of.

The communication / call module 10b of the smartphone 10 has a function of making a call to a predetermined telephone number (calling function) and a function of receiving a call (calling function) according to the control of the CPU 10a, in addition to wireless communication processing via a network. Has. The RAM 10c temporarily stores the contents, files, and the like associated with the processing of the CPU 10a. The ROM 10d stores a program or the like that defines the basic processing contents of the CPU 10a, and also stores identification information (UID) or the like that identifies the smartphone 10. It should be noted that this UID is included in the transmission content when communicating (transmitting) with the communication / call module 10b described above (for example, the UID is included in the header of the transmission packet and transmitted).

The input / output interface 10i is connected to a display 10f having a touch panel function, and performs a process of outputting various screens (see screens shown in FIGS. 9 to 18 and the like) generated by the control process of the CPU 10a to the display 10f. As a result, the output screen content is displayed on the display 10f. The input / output interface 10e also performs a process of sending the received operation content to the CPU 10a by touching the surface of the display 10f by the user. The operation content received by the user by touching the surface of the display 10f changes as appropriate according to the screen content being displayed.

The operation unit 10h is a hard button provided on the housing of the smartphone 10, and when the operation unit 10h is operated, the operation is notified to the CPU 10g. The meaning of the operation of the operation unit 10h varies depending on the processing status of the smartphone 10. For example, when the operation unit 10h is operated while the application is running, the operation of terminating the application is performed. In this case, the operation of the operation unit 10h receives the end instruction of the application from the user. In the case of the present invention, as will be described later, since the stock trading application P21 (installed in the storage unit 10g) for the online stock trading service is used, the operation unit 10h is activated while the stock trading application P21 is running. Is operated, the smartphone 10 accepts the termination instruction of the stock trading application P21, and the log-off instruction of the stock trading application P2 is transmitted to the securities company system 2.

The storage unit 10g stores (installs) programs such as the OS program P20, the stock trading application P21, and various other applications. The OS program P20 is a basic program corresponding to an operating system, and defines the processing of the CPU 10a for the smartphone 10 to function as a kind of computer. One of the basic processes defined by the OS program P20 is to first display the home screen on the display 10f when the smartphone 10 is ready for use, and the home screen is stored. Arranging icons and the like corresponding to various applications installed in the unit 10g is also due to the process specified by the OS program P20.

The stock trading application P21 stored in the storage unit 10g is an application program (computer program) for an online stock trading service provided by the securities company system 2, and displays various screens for stock trading on the user terminal. , It is stipulated that the CPU 10a performs various controls according to a process of transmitting a trading instruction or the like to the securities company system 2 in accordance with a user operation on the screen. It will function as a screen generation means. In addition to the program code that defines the processing, the stock trading application P21 also includes screen data corresponding to each part (button, etc.) arranged in various screens.

First, the stock trading application P2 acquired on the smartphone 10 through download or storage medium is installed in the storage unit 10g, and when the installation is completed, the stock trading application P21 is started in the home screen 11 based on the OS program P1. A stock trading icon is arranged so that it can be selected. Then, when the smartphone 10 accepts the user operation for selecting the stock trading icon, if it is already logged in at that time, the brand selection screen is displayed on the display 10f, and if it is not logged in, the CPU 10a is for login. A process of generating a screen and displaying it on the display 10f is performed.

FIG. 9 shows an example of the login screen 15 displayed on the display 10f, which is generated based on the screen data for the login screen by the processing of the CPU 10a. The login screen 15 has an e-mail address input field 15a, a password input field 15b, and a selectable login button 15c. The data of the parts corresponding to each part arranged in this way also includes the screen data for the login screen. With the login screen 15 displayed, the soft keyboard 14 is displayed on the display 10f by the function corresponding to the process defined by the OS program P20 described above, and the user operates each key included in the soft keyboard 14. , The predetermined contents are input to the respective input fields 15a and 15b. The password to be entered is set for each user when the user is registered in the stock trading service.

Then, when the smartphone 10 accepts the selection operation of the login button 15c with the predetermined contents entered in the input fields 15a and 15b, the entered contents are directed to the securities company system 2 as the user's login information. It is built to be transmitted, and the data (data described in script language etc.) that defines the contents of such built-in is also included in the screen data for the login screen (such selection). The contents related to the button are the same for other screen data). If the smartphone 10 receives the login prohibition information from the securities company system 2 in response to the transmission of the login information via the login screen 15, the passwords do not match in order to secure another input opportunity. The CPU 10a performs a process of displaying a login screen (configuration equivalent to that of FIG. 9) on the display 10f.

On the other hand, when the login completion information is received from the securities company system 2 in response to the transmission of the login information, the CPU 10a performs a process of displaying a stock selection screen for selecting a stock for stock trading on the display 10f. The brand selection screen includes buttons for switching to other screen contents according to portfolio, notification, history, menu, etc. at the bottom of the screen (see each button included in the menu bar 19 at the bottom of the screen in FIG. 11). For example, when the selection operation of the switching button for the menu is accepted, the CPU 10a performs a process of displaying the menu screen on the display 10f. Various settings can be made on the menu screen. For example, there is a menu that allows settings to enable stock purchase using a prepaid card.

FIG. 10A shows an example of the prepaid use setting screen 16 for setting the use of the prepaid card as a payment method of the stock purchase cost. The prepaid use setting screen 16 includes a selectable prepaid use selection field 16a and a prepaid non-use selection field 16b, and only one of the selection fields 16a and 16b can be selected. Further, the prepaid use setting screen 16 has an OK button 16c and a back button 16d selectable, and when the selection operation of the back button 16d is accepted, the CPU 10a performs a process of switching the display of the display 10f to the original brand selection screen. Do.

Further, when the smartphone 10 accepts the selection operation of the OK button 16c while the prepaid use selection field 16a is selected on the prepaid use selection screen 16, the CPU 10a performs a process of transmitting the prepaid use information to the transaction server 80. become. Then, when the smartphone 10 receives the prepaid usable information sent from the transaction server 80 in response to the transmission of the prepaid usage information, the prepaid card usage setting is completed, and the CPU 10a displays the display 10f on the brand selection screen. Performs the process of switching.

On the other hand, when the smartphone 10 receives the card setting request information sent from the transaction server 80 in response to the transmission of the prepaid usage information, the communication user ID input field and the prepaid card given by the communication carrier business entity of the prepaid card issuer. The CPU 10a performs a process of displaying the card information input screen having the card ID input field and the OK button on the display 10f. Then, when the OK button selection operation is performed while the necessary information such as each ID is input on the card information input screen, the input information is transmitted to the transaction server 80, and then the card setting screen is displayed. The CPU 10a controls the display on the 10f.

FIG. 10B shows an example of the card setting screen 17 displayed on the display 10f. The card setting screen 17 includes a prepaid priority selection field 17a, an account priority selection field 17b, an amount designation selection field 17c, and an OK button 17d and a back button 17e. Only one of the selection fields 17a to 17c can be selected, and when the smartphone 10 accepts the selection operation of the OK button 17d with any one selected, the contents of the selected field are displayed. The CPU 10a transmits the card setting information to be notified to the transaction server 80. When the smartphone 10 receives the prepaid usable information from the transaction server 80 in response to the transmission of the card setting information, the CPU 10a performs a process of switching the display of the display 10f on the brand selection screen. When the back button 17e is selected on the card setting screen 17, the display of the display 10f is switched to the prepaid use setting screen 16 of FIG. 10A.

Further, when the smartphone 10 accepts the selection operation of the OK button 16c while the prepaid non-use selection field 16b is selected on the prepaid use setting screen 16 of FIG. 10A, the prepaid non-use information is transmitted to the transaction server 80. The CPU 10a performs the process of transmitting. Then, when the smartphone 10 receives the prepaid non-use information from the transaction server 80 in response to the transmission of the prepaid non-use information, the prepaid card is set to the unusable state, and then the CPU 10a displays on the brand selection screen. A process of switching the display of 10f is performed. In this way, the setting of the use or non-use of the prepaid card can be switched, and various settings when the prepaid card is used (see FIG. 10B) can be appropriately performed on the user terminal side in the present embodiment. It enhances convenience.

Further, on the stock selection screen that will be displayed on the display 10f due to the above-mentioned circumstances, one stock to be traded can be selected from a plurality of stock stocks, and the user can trade by user operation. When the smartphone 10 accepts the operation of selecting the desired stock issue, the CPU 10a performs a control process of displaying the transaction screen of the selected stock issue on the display 10f.

FIG. 11 shows an example of the transaction screen 45 displayed on the display 10f, and the stock issue to be traded is the stock of company A. This transaction screen 45 shows the transaction status of the purchase (purchase) of the shares of Company A, and the upper side of the screen is the first common unit 46, and the vicinity of the lower center of the screen is the purchase transaction unit 48 dedicated to the purchase transaction status. The lower part of the screen is the second common part 47, and the menu bar 19 is arranged at the lowermost part of the screen. The transaction screen 45 for a specific issue is switched between a purchase transaction state shown in FIG. 11 and a sale transaction state for a sell transaction (not shown), and the first common part 46 and the second common part 47 are screens. Even if the state is switched, it is a part that has the same configuration in common without switching, while the vicinity of the lower center of the screen is a part where the configuration is switched according to the switching of the screen state.

The first common portion 46 has a return button 46g arranged in the upper left corner of the screen and a guide button 46h arranged in the upper right corner of the screen. The return button 46g is a selectable button for returning to the above-mentioned brand selection screen, and will be selected when moving to a transaction of another brand. The guidance button 46h is a selectable button for displaying information related to the transaction, and when selected, the transaction screen 45 is switched to the information menu screen (not shown), and display is desired on this information menu screen. You will select the item you want to do. Items on the information menu screen include pre-transaction delivery documents, risk dispositions, etc., and if the transaction brand belongs to a foreign company, the contents of foreign securities, etc. will also be included in the items. In addition, the item on the information menu screen may include the transaction history of the user so far, and when the item of the transaction history is selected, the user history related to the stock issue (company A) on the displayed transaction screen 45. The request is transmitted to the securities company system 2, and the transaction history received in response to the transmission of the request is displayed.

Further, on the transaction screen 45, a buy transaction button 46a and a sell transaction button 46b that can accept selection operations are arranged below the screen title (title of company A stock trading) in the first common unit 46. One of these buttons 46a and 46b is in a selectable state (active state), and by operating the selectable one, the purchase transaction state and the sale transaction state can be appropriately switched. There is. That is, in the buy transaction state, only the sell transaction button 46b can be selected (active state), while in the sell transaction state, only the buy transaction button 46a can be selected, and the active state button 46a or 46b can be selected. By performing, the purchase / sale transaction status is switched.

Further, on the transaction screen 45, the brand column 46c is arranged below the buy / sell transaction buttons 46a and 46b in the first common unit 46, and the amount setting column 46e is arranged below the stock column 46c. The amount setting column 46e sets the amount of money when conducting a buy transaction (purchase transaction). In this embodiment, the amount of money is set in the amount unit (in units of 10,000 yen) in which all the fourth and lower digits are set to 0 in Japanese yen. It is a specification to set, and by touching the surface of the display 10f according to the amount setting field 46e, the amount display in units of 10,000 yen rotates like a slot machine (when used in smartphones etc.) The set amount is the amount displayed in the amount frame 46f provided in the amount setting field 46e (specification called "picker"). Therefore, the user can easily perform an operation of touching the surface of the display 10f so as to rotate the amount setting field 46e like a slot machine (an operation of tracing the display surface upward or downward). It is possible to set the amount of money (specify the amount of money), and in particular, since the amount of money is also set in units of 10,000 yen, it is possible to quickly set a wide range of amounts even if the amount of rotation is small.

Further, the transaction screen 45 arranges a buy transaction unit 48 below the first common unit 46 described above, and the buy transaction unit 48 includes a purchase button 48a and an amount confirmation column 48b. The purchase button 48a is a button that accepts a user operation of a purchase order (purchase order) for the shares of company A. When the user operation is accepted by the purchase button 48a, the shares of company A are set in the amount setting field 46e. The CPU10a has accepted the operation of the purchase order (purchase order) for the amount of money, and the CPU10a provides the purchase order information (the brand to be purchased and the purchase amount) to purchase the stock of company A for 50,000 yen. Information to be notified) will be transmitted to the transaction server 80.

The amount confirmation column 48b below the purchase button 48a automatically displays the amount synchronized with the amount contained in the amount frame 46f of the above-mentioned amount setting column 46e by the control process of the CPU 10a. By confirming the text shown in the amount confirmation column 48b (eg, "Invest 50,000 yen!"), The user can surely grasp the amount of the buy transaction. Further, on the transaction screen 45, a second common section 47 is arranged below the buy transaction section 48, and the second common section 47 has an average buy unit price column 47a, a current stock price column 47b, a total investment column 47c, and a current evaluation. Information related to the investment decision is presented to the user by including the amount column 47d. The transaction screen 45 having such a configuration corresponds to a screen for designating the purchase amount (purchase amount) of the stock (designated stock issue) which is a financial product.

FIG. 12 shows a case where the purchase order information is transmitted by the operation of the transaction screen 45 of FIG. 11, and when the use of the prepaid card is set, the total amount of the advance payment of the prepaid card and the balance of the user account is the purchase amount. An example of a non-purchasable screen 20 indicating that the product cannot be purchased because it is insufficient for (purchase cost) is shown. On this non-purchasable screen 20, the prepayment for the current prepaid card is 10,000 yen for the purchase of the specified amount of the designated stock (purchase of 50,000 yen of company A stock), and the user account (transaction). Since the balance of the account) is 30,000 yen, the screen contains information indicating that a shortfall of 10,000 yen will occur even with the total amount (40,000 yen) of both.

When the prepaid card and user account are as described above and the user terminal sends purchase order information (order to purchase 50,000 yen worth of company A stock) to the transaction server 80, the transaction server 80 processes the prepayment. Since the purchase amount of company A stock is 50,000 yen, which is 10,000 yen and the balance of the user account is 30,000 yen, it is not possible to purchase because it exceeds the total amount of the prepaid money and the user account balance of 40,000 yen. , The non-purchasable screen information for displaying the non-purchasable screen on the user terminal, which indicates the shortage amount of 10,000 yen and can accept the user instruction operation to switch to the transaction screen, is transferred from the transaction server 80 to the smartphone 10 (user terminal). Will be sent.

Therefore, when the smartphone 10 receives the non-purchasable screen information, the smartphone 10 reduces the content indicating the shortage amount included in the received non-purchasable screen information and the designated amount of the designated stock issue based on the reception of the non-purchasable screen information. Generates a non-purchasable screen 20 with a text section 20c, an OK button 20a, and a button 20b for returning to the transaction screen, which describes the content, the content for charging the prepaid card, the content for depositing to the user account, etc., and displays it on the display 10f. The CPU 10a performs the process.

In addition, on the non-purchasable screen 20 shown in FIG. 12, the information that "the stock of company A cannot be purchased for 50,000 yen" and the information that "the shortage amount is 10,000 yen" contained in the text section 20c are transactions. It uses the information included in the non-purchasable screen information sent from the server 80, and the information on how to deal with it in the text part 20 (reduction of purchase amount (purchase amount), prepaid card charge, to user account (Deposit) uses the information included in advance in the stock trading application P21. Further, the OK button 20a and the button 20b for returning to the transaction screen arranged on the non-purchasable screen 20 are displayed based on the parts data included in advance in the stock transaction application P21.

Further, when the martphone 10 accepts the selection operation of the OK button 20a on the non-purchasable screen 20, the CPU 10a performs a process of switching the display to the brand selection screen. Further, when the smartphone 10 accepts the selection operation of the button 20b returning to the transaction screen, the CPU 10a performs a process of switching the display to the transaction screen 45 of FIG. We are trying to provide users with an opportunity to make it easier to smoothly reduce the purchase price of company stock.

Further, FIG. 13 shows an example of the purchase screen 21 displayed on the display 10f by the CPU 10a in response to the transmission of purchase order information (for example, an order for purchasing the stock of company A for 50,000 yen). This purchase screen 21 is displayed when the use of the prepaid card is set with priority and the amount of the advance payment related to the prepaid card is independently equal to or greater than the purchase amount (50,000 yen or more in this example). The screen is displayed.

In this case, when the above-mentioned purchase order information is transmitted to the transaction server 80, the processing of the transaction server 80 includes, for example, confirmation that the company A stock is purchased for 50,000 yen using a prepayment of 50,000 yen. Since the purchase screen information for displaying the screen is transmitted from the transaction server 80 to the smartphone 10 (user terminal), when the smartphone 10 receives the purchase screen information, the smartphone 10 receives the purchase screen information based on the receipt of the purchase screen information. Text part 21c, OK button 21a (button that can accept purchase instruction operation), and back button that describe the confirmation contents (contents of purchasing company A stock of 50,000 yen with advance payment) included in the purchased purchase screen information The CPU 10a performs a process of generating the purchase screen 21 on which the 21b is arranged and displaying it on the display 10f.

When the smartphone 10 accepts the selection operation of the OK button 21a on the purchase screen 21, the purchase is to purchase the stock of company A for 50,000 yen using the prepayment related to the prepaid card (50,000 yen in the example of FIG. 13). The instruction operation is accepted, and the CPU 10a performs a process of transmitting a purchase instruction to the transaction server 80 to purchase the stock of company A for 50,000 yen using the 50,000 yen of the advance payment. When the selection operation of the return button 21b is accepted on the purchase screen 21, the CPU 10a performs a control process for switching to the display of the transaction screen 45 of FIG.

Further, FIG. 18 shows an example of the purchase completion screen 27 displayed on the display 10f when the purchase process according to the purchase instruction is completed in connection with the transmission of the purchase instruction described above. When the transaction server 80 receives the purchase instruction from the smartphone 10, it performs a purchase process, and when the process is completed, the purchase completion information is transmitted from the transaction server 80 to the smartphone 10, so that the smartphone 10 is the transaction server 80. Along with receiving the purchase completion information from, the purchase completion screen 27 is displayed. The purchase completion screen 27 includes a text unit 27a indicating that the purchase has been completed, a confirmation button 27b, and a portfolio button 27c. When the confirmation button 27b is selected, the display switches to the stock selection screen again, and the portfolio is displayed. When the button 27c is selected, the display switches to a screen (not shown) showing the user's portfolio reflecting the latest purchase contents.

FIG. 14 shows an example of the purchase screen 22 in other cases. In this purchase screen 22, the use of the prepaid card is set with priority, and the advance payment related to the prepaid card is the purchase amount (for example, 50,000 yen). However, if the total amount of the advance payment and the user account balance is less than the purchase amount, the screen is displayed when it exceeds the purchase amount. In this case, for example, if the prepayment is 10,000 yen and the latest balance of the user account is 40,000 yen or more, the above purchase order information (order to purchase 50,000 yen of company A stock) is sent to the transaction server 80. When it is sent to, for example, by processing the transaction server 80, it is confirmed that the company A stock will be purchased for 50,000 yen using the advance payment of 10,000 yen and the balance of the user account (transaction account) of 40,000 yen. The purchase screen information for displaying the including screen is transmitted from the transaction server 80 to the smartphone 10 (user terminal).

When the smartphone 10 receives this purchase screen information, based on the receipt of the purchase screen information, the confirmation content included in the received purchase screen information (prepaid 10,000 yen for company A stock of 50,000 yen and user account) The CPU 10a performs a process of generating a purchase screen 22 in which a text unit 22c, an OK button 22a, and a back button 22b indicating (contents to be purchased for 40,000 yen) are arranged and displayed on the display 10f.

The content when the OK button 22a and the back button 22b are selected on the purchase screen 22 is basically the same as that of the purchase screen 21 shown in FIG. For example, when the smartphone 10 accepts the selection operation of the OK button 22a on the purchase screen 22, the advance payment of 10,000 yen for the prepaid card and 40,000 yen in the balance of the user account are used to 50,000 yen for the stock of company A. It means that the purchase instruction operation to purchase the shares has been accepted, and the transaction server 80 gives the purchase instruction to purchase the shares of company A for 50,000 yen using the advance payment of 10,000 yen and the user account of 40,000 yen. The CPU 10a will perform the process of transmitting to. When the smartphone 10 receives the purchase completion information from the transaction server 80 in response to the purchase instruction being transmitted in this way, the purchase completion screen 27 of FIG. 18 is displayed on the display 10f as in the case described above.

FIG. 15 also shows an example of the purchase screen 23 in other cases. In this purchase screen 23, the use of the user account is set with priority, and the latest balance of the user account is equal to or more than the purchase amount (for example, 50,000 yen). The screen is displayed when the above) is displayed. In this case, when the above-mentioned purchase order information is transmitted to the transaction server 80, the processing of the transaction server 80 indicates that the company A stock will be purchased for 50,000 yen using the balance of the user account (transaction account) of 50,000 yen. The purchase screen information for displaying the screen including the contents to be confirmed is transmitted from the transaction server 80 to the smartphone 10 (user terminal). Therefore, when the smartphone 10 receives this purchase screen information, based on the receipt of the purchase screen information, the confirmation content included in the received purchase screen information (content of purchasing 50,000 yen worth of company A stock from the user account). The CPU 10a performs a process of generating a purchase screen 23 in which the text unit 23c, the OK button 23a, and the back button 23b are arranged, and displaying the purchase screen 23 on the display 10f.

The contents of the purchase screen 23 when the OK button 23a and the back button 23b are selected are basically the same as those of the purchase screen 21 shown in FIG. For example, when the smartphone 10 accepts the selection operation of the OK button 23a on the purchase screen 23, it means that the purchase instruction operation to purchase the stock of company A for 50,000 yen using the user account of 50,000 yen is accepted. The CPU 10a will perform a process of transmitting a purchase instruction to the transaction server 80 to purchase the stock of company A for 50,000 yen with the user account of 50,000 yen. Then, the display content of the display 10f is switched to the purchase completion screen 27 of FIG. 18 by receiving the purchase completion information in response to the transmission of the purchase instruction, as in the case described above.

FIG. 16 also shows an example of the purchase screen 24 in still another case. In this purchase screen 24, the use of the user account is set with priority, and the latest balance of the user account is the purchase amount (for example, 50,000 yen). ), But if it is the total amount of the latest balance of the user account and the advance payment, it is the screen that is displayed when it exceeds the purchase amount. In this case, for example, if the latest balance of the user account is 40,000 yen and the prepayment is 10,000 yen or more, the above purchase order information (order to purchase 50,000 yen of company A stock) is sent to the transaction server 80. When sent to, the transaction server 80 processes the balance of the user account to display a screen containing confirmation that the company A stock will be purchased for 50,000 yen using 40,000 yen and a prepayment of 10,000 yen. The purchase screen information of is transmitted from the transaction server 80 to the smartphone 10 (user terminal).

When the smartphone 10 receives this purchase screen information, based on the receipt of the purchase screen information, the confirmation content included in the received purchase screen information (company A stock 50,000 yen worth of user account 40,000 yen and advance payment) The CPU 10a performs a process of generating a purchase screen 24 in which a text portion 24c, an OK button 24a, and a back button 24b indicating (contents to be purchased for 10,000 yen) are arranged and displayed on the display 10f.

Also on the purchase screen 24, the content when the OK button 24a and the back button 24b are selected is basically the same as that of the purchase screen 21 shown in FIG. For example, when the smartphone 10 accepts the selection operation of the OK button 24a on the purchase screen 24, the stock of company A is 50,000 yen using the balance of the user account of 40,000 yen and the advance payment of 10,000 yen related to the prepaid card. It means that the purchase instruction operation to purchase the stock is accepted, and the purchase instruction to purchase the stock of company A for 50,000 yen with the user account of 40,000 yen and the advance payment of 10,000 yen is sent to the transaction server 80. The CPU 10a will perform the processing. Even when the smartphone 10 receives the purchase completion information from the transaction server 80 in response to the transmission of the purchase instruction in this way, the purchase completion screen 27 of FIG. 18 is displayed on the display 10f as in the case described above. become.

Further, FIG. 17 shows a case where the user has set the use of the prepaid card, and when the content of "amount designation" is stored in the card setting item of the user DB 82, the above-mentioned purchase order information is transmitted. The amount designation screen 25 displayed on the display 10f is shown accordingly. In this case, for example, the advance payment is 60,000 yen and the latest balance of the user account is 70,000 yen, and in this situation, the purchase order information to purchase the company A stock of 50,000 yen is transmitted to the transaction server 80. Then, by the processing of the transaction server 80, the usage amount of the prepayment can be specified in the range of 0 to 50,000 yen, and the usage amount of the user account can be accepted in the range of 0 to 50,000 yen. When the operation to specify the amount of either the prepayment or the user account is accepted, the processing information etc. that is automatically specified by subtracting the specified amount from 50,000 yen for the other amount is embedded. However, the amount specification screen information related to the amount specification screen is transmitted from the transaction server 80 to the smartphone 10 (user terminal).

When the smartphone 10 receives the above-mentioned amount designation screen information, the CPU 10a performs a process of generating the amount designation screen 25 shown in FIG. 17 based on the amount designation screen information. The amount designation screen 25 has a text portion 25c at the upper part of the screen indicating that the user specifies the advance payment or the user account for the purchase of the designated amount of the designated stock, and the advance payment designation column 26 and the user below the text portion 25c. Includes account designation field 27. The advance payment designation field 26 and the user account designation field 27 have the same configuration as the amount setting field 46e in the transaction screen 45 shown in FIG.

That is, the prepayment designation column 26 and the user account designation column 27 each display an amount display in a selectable range of 0 to 50,000 yen, which is an upper limit of 50,000 yen, which is the purchase amount of company A stock, in a slot machine shape. It has a monetary amount rotating portion 26a, 27a designed to rotate in units, and a monetary amount frame 26b, 27b fixedly arranged in the monetary amount rotating portion 26a, 27a. Then, for example, when the operation of specifying the amount display stored in the amount frame 26b is performed by the rotation operation of the amount rotation unit 26a of one of the advance payment designation fields 26, the amount rotation unit 27a of the other user account designation field 27 is performed. Is automatically rotated in conjunction with the above operation, and the CPU 10a controls the rotation of the amount rotating unit 27a so that the amount satisfying the purchase amount of 50,000 yen of the company A stock is within the amount frame 27b. Become.

For example, when the advance payment designation field 26 is specified as 0 yen, the user account designation field 27 specifies 50,000 yen and the advance payment designation field 26 is specified as 10,000 yen. When the user account specification field 27 automatically specifies 40,000 yen, and further, when the advance payment specification field 26 is specified as 20,000 yen, the user account specification field 27 automatically specifies 30,000 yen. If you specify and then specify the advance payment specification field 26 to 30,000 yen, the user account specification field 27 automatically specifies 20,000 yen, and the advance payment specification field 26 becomes 40,000 yen. When the specified operation is performed, the user account specification field 27 automatically specifies 10,000 yen, and finally, when the advance payment specification field 26 is specified as 0 yen, the user account specification field 27 is 50,000 yen. Is automatically specified.

In the above example, the case of operating the advance payment designation field 26 has been described, but when the operation of specifying the amount in the user account designation field 27 is performed, the advance payment designation field 26 is automatically set to the amount in conjunction with the operation. Will be specified. Immediately after the amount designation screen 25 is displayed on the display 10f, it is assumed that the advance payment designation field 26 specifies 50,000 yen and the user account designation field 27 specifies 0 yen as a default. Further, in the above example, the amount specification screen 25 is shown when the advance payment is 60,000 yen and the latest balance of the user account is 70,000 yen in the case of purchasing the stock of company A of 50,000 yen. , When purchasing company A stock of 50,000 yen and the advance payment is 20,000 yen and the latest balance of the user account is 60,000 yen, the advance payment designation field 26 can be selected from 0 to 20,000 yen. (Because the advance payment of 20,000 yen is less than the purchase amount of company A's stock of 50,000 yen, the advance payment of 20,000 yen is displayed as the upper limit), and the user account designation column 27 is 0 to 50,000 yen. The amount of money that can be selected is displayed. When simplifying the specifications of the amount designation screen 25, the advance payment designation field 26 and the user account designation field 27 may not be linked and may be configured to be able to independently accept the designation of the amount. ..

Further, the amount designation screen 25 has an OK button 25a and a back button 25b arranged below the user account designation field 27, and when the selection operation of the back button 25b is accepted, the process of switching the display of the display 10f to the transaction screen 45 is performed. Is performed by the CPU 10a. In addition, when the selection operation of the OK button 25a is accepted, the amount specified in the advance payment designation field 26 and the amount specified in the user account designation field 27 are used for the purchase of the designated stock stock, and the stock of company A is 50,000. The CPU 80a will perform a process of transmitting the amount designation information to the effect of purchasing the yen to the transaction server 80.

When the transaction server 80 receives the amount specification information, as described above, the transaction server 80 processes the transaction server 80 to purchase the specified amount of the designated stock issue by the payment method specified by the received amount specification information. Purchase screen information including the contents to be confirmed is generated and transmitted from the transaction server 80 to the smartphone 10. Therefore, when the smartphone 10 receives the purchase screen information, the smartphone 10 generates and displays a purchase screen having the same contents and configuration as the purchase screen 24 and the like shown in FIG. 14 based on the reception of the purchase screen information. .. Even on the purchase screen displayed in this way, the confirmation content included in the received purchase screen information (contents of purchasing company A stock of 50,000 yen with a user account of 40,000 yen and an advance payment of 10,000 yen) is shown. The text portion, the OK button, and the back button are included, and the subsequent contents when the selection operation of the OK button and the back button is accepted are the same as those of the purchase screen 24 of FIG.

Next, the processing content of the financial product purchasing method based on a series of processing by the prepayment management server 4, the transaction server 80, the user terminal T1 and the like (for example, the smartphone 10) of the financial product purchasing system 1 having the above-described configuration is shown in FIG. The explanation will be given based on the first to fourth flowcharts of 19 to 22 (the processing itself of the transaction server 80 also corresponds to the method of purchasing a financial product). At the stage of starting the processing of the first flowchart, the use of the prepaid card is set in advance on each screen of FIGS. 10A and 10B, and the payment method of the prepaid card (card priority, account). Priority, amount designation) shall be set.

The first flowchart of FIG. 19 shows a processing procedure from the time when the user logs in to the securities company system 2 (transaction server 80) that provides the online stock trading service by using the user terminal T1. This first flowchart is from a state in which the user performs a stock trading icon selection operation according to the online stock trading service on the home screen on the user terminal T1 (smartphone 10) and displays the login screen 15 of FIG. It shall be started (S1). On the login screen 15, the user terminal T1 determines whether or not there is a login operation such as an e-mail address input operation, a password input operation, and a login button 15c selection operation (S2). If there is no login operation (S2: NO), the state is waiting for the login operation, and if there is a login operation (S2: YES), the user's login information (entered e-mail address and password, and user terminal are displayed. The user terminal transmits (information including the UID and the like to be identified) to the transaction server 80 of the securities company system 2 (S3).

The transaction server 80 (MPU80a) is in the stage of determining whether or not the login information has been received (S10), and if the login information is not received (S10: NO), the transaction server 80 (MPU80a) is in a state of waiting for reception. When the login information is received (S10: YES), whether or not the e-mail address, password, etc. included in the received login information match among the information stored in the user DB 82 shown in FIG. Is determined by the transaction server 80 (S11). If the matching information is not stored (S11: NO), the transaction server 80 sends a mismatch notification to the access source user terminal. In this case, the user terminal T1 is triggered by the reception of the mismatch notification, returns to the stage of S1, displays the login screen 15 again, and presents the user with an opportunity to input the correct login information.

On the other hand, when there is a user DB 82 that matches the received login information (S11: YES), the transaction server 80 indicates that the user who has sent the login information is in the login state (login status information (S11: YES). Information including the user ID and the like) is stored in the RAM 80c, and login completion information for notifying the completion of login is transmitted to the user terminal T1 (S12). The user terminal T1 switches the display of the display 10f from the login screen 15 to the display of the stock selection screen (top page screen) for online stock trading, triggered by the reception of the login completion information from the trading server 80. (S4) By accepting a desired operation from the user, a stock issue to be traded is selected, and an operation of specifying a transaction amount (purchase amount) is accepted on the transaction screen 45 of FIG. 11 (S5). ..

Further, the transaction server 80 determines whether or not the information "use" is stored in the "card use" item of the user DB 82 for the user who has completed login (S13). If the information "use" is not stored (S13: NO), the process related to the purchase of the stock issue will be performed by payment from the user account as in the conventional case, so the description in this case will be omitted. On the other hand, when the information "use" is stored (S13: YES), the transaction server 80 receives inquiry information (information including the communication user ID and the card ID) for inquiring the prepayment of the prepaid card of the logged-in user. , Send to the prepayment management server 5 of the communication carrier system 4 (S14)

The advance payment management server 5 of the communication carrier system 4 is at the stage of determining whether or not the inquiry information from the transaction server 80 has been received (S20), and if the inquiry information is not received (S20: NO), it is received. It is in a waiting state. On the other hand, when the inquiry information is received (S20: YES), the advance payment management server 5 specifies the amount of the advance payment associated with the communication user ID included in the inquiry information from the prepaid DB 6 of FIG. S21). Then, the transaction server 80 transmits the advance payment information notifying the amount of the specified advance payment to the transaction server 80 (S22).

Further, the transaction server 80 determines whether or not the advance payment information has been received after transmitting the inquiry information (S15), and if the advance payment information has not been received (S15: NO), the transaction server 80 is waiting for reception. When the state is set and the advance payment information is received (S15: YES), the received advance payment information is stored in the RAM 80c in association with the login status information of the user (S16).

In the second flowchart of FIG. 20, on the user terminal T1, the purchase amount is set in the amount setting field 46e on the transaction screen 45 of FIG. 11, and the process starts from the state where the selection operation of the purchase button 48a is accepted. In this case, the user terminal T1 transmits purchase order information (for example, information for notifying the purchase order of company A stock for 50,000 yen) to the transaction server 80 in response to the acceptance of the selection operation of the purchase button 48a. (S30).

The transaction server 80 determines whether or not the purchase order information has been received (S40), and if it has not received it (S40: NO), it is in a state of waiting for reception. On the other hand, when the purchase order information is received (S40: YES), the transaction server 80 transfers the purchase cost (purchase amount) related to the purchase order notified by the received purchase order information to the user's advance payment amount (RAM 80c). Compared with the total amount of the memorized advance payment information) and the latest balance of the user account (the deposit amount stored in the user account table 900 in FIG. 7), the designated stock issue related to the purchase order (for example, Company A) It is determined whether or not the specified amount (for example, 50,000 yen) of the stock) can be purchased (S41).

When the purchase cost exceeds the total amount, the transaction server 80 determines that the content of the purchase order cannot be purchased (S41: NO), calculates the shortage amount of the total amount for the purchase cost, and calculates the shortage amount and the purchase. The non-purchasable screen information related to the non-purchasable screen indicating that the content related to the order (for example, the purchase of 50,000 yen of the stock of company A) cannot be purchased is transmitted to the user terminal T1 (S42). When the transaction server 80 transmits the non-purchasable screen information, the transaction server 80 returns to the stage of S40 and determines whether or not the purchase order information has been received.

After transmitting the purchase order information, the user terminal T1 determines whether or not the non-purchasable screen information sent from the transaction server 80 has been received (S31), and when the non-purchasable screen information is received (S31: YES). ), Using the information included in the non-purchasable screen information (information indicating that the purchase is not possible and the shortage amount), the non-purchasable screen 20 shown in FIG. 12 is generated (S33), and the generated non-purchasable screen 20 is generated. Is displayed on the display 10 (S34).

As a user's option after the user terminal T1 displays the non-purchasable screen 20, the coping method described in the text part 20c of the non-purchasable screen 20 (reduction of purchase amount, addition of advance payment, deposit to user account) In addition to this, since it is possible to assume a plurality of contents such as giving up the purchase of the order contents, the processing after the display of the non-purchasable screen 20 is omitted in the second flowchart. As a countermeasure, when reducing the purchasing power, the user performs a selection operation of the button 20b returning to the transaction screen of the non-purchasable screen 20, displays the transaction screen 45 of FIG. 11, and displays the amount setting field 46e. By operating, the purchase amount is set so that the shortage amount shown on the non-purchase screen 20 does not occur, and the purchase order is placed again. Further, when adding the advance payment, depositing to the user account, or giving up the purchase of the order contents, the user will perform the selection operation of the OK button 20a on the non-purchasable screen 20.

Returning to the processing on the transaction server 80 side, at the stage of S41, when it is determined that the specified amount (for example, 50,000 yen) of the designated stock brand (for example, company A stock) related to the purchase order can be purchased (for example). S41: YES), then the transaction server 80 determines whether or not the content of "amount designation" is set in the card setting item of the user DB 82 of FIG. 5 (S43). If the content of "specify amount" is not set (S43: NO), either "card priority" or "account priority" is stored in the card setting item of the user DB 82, so it is stored. According to the contents, the transaction server 80 compares with the purchase cost and generates purchase screen information based on the result (S44).

Specifically, when "card priority" is stored in the card setting item of the user DB 82, the transaction server 80 compares the purchase amount notified in the purchase order information with the advance payment of the prepaid card, and the purchase amount. Is less than or equal to the amount of the advance payment, the purchase screen information related to the purchase screen (see the purchase screen 21 of FIG. 13) including the content for confirming to the user that the purchase is made using the advance payment is generated. Further, when "card priority" is stored and the purchase amount exceeds the advance payment amount, the transaction server 80 calculates a shortage amount exceeding the advance payment amount, and then uses the advance payment amount in full and the shortage amount. For the amount, the purchase screen information related to the purchase screen (purchase screen 22 in FIG. 14) including the content for confirming to the user that the purchase is made using the user account is generated.

Further, when "account priority" is stored in the card setting item of the user DB 82, the transaction server 80 compares the purchase amount notified in the purchase order information with the deposit amount (latest balance) of the user account and purchases. When the amount is less than or equal to the amount deposited in the account, the purchase screen information related to the purchase screen (see the purchase screen 23 in FIG. 15) including the content for confirming to the user that the purchase is made using the user account is generated. Further, when "account priority" is stored and the purchase amount exceeds the account amount, the transaction server 80 calculates a shortage amount exceeding the account amount, and then uses the entire account amount and makes the shortage amount. On the other hand, the purchase screen information related to the purchase screen (purchase screen 24 in FIG. 16) including the content for confirming to the user that the purchase is made using the advance payment of the prepaid card is generated. Then, the transaction server 80 transmits the purchase screen information generated as described above to the user terminal T1 (S45).

When the purchase screen information is transmitted from the transaction server 80 to the user terminal T1 in this way, the user terminal T1 proceeds to the case where the non-purchasable screen information is not received (S31: NO) at the stage of S31, and then proceeds to the purchase screen. When it is determined whether or not the information has been received (S32) and the purchase screen information has been received (S32: YES), the user terminal T1 performs the process shown in the third flowchart of FIG.

In the third flowchart of FIG. 21, the user terminal T1 generates a purchase screen using the received purchase screen information (S50). In this case, when the purchase screen 21 shown in FIG. 13 is generated, the user in the text section 21c on the purchase screen 21 asks "Can I purchase the stock of company A from 50,000 yen of the prepaid card?" The confirmation content of is using the information included in the purchase screen information, and the other OK button 21a and the back button 21b are generated based on the parts data included in advance in the stock trading application P21. Further, when the purchase screen 22 shown in FIG. 14 is generated, "the stock of company A for 50,000 yen may be purchased from the prepaid card of 40,000 yen and the user account of 10,000 yen" in the text section 22c of the purchase screen 22. The confirmation content to the user, "Is it?", Uses the information included in the purchase screen information.

Further, when the purchase screen 23 shown in FIG. 15 is generated, the user is asked "Can I purchase the stock of company A from 50,000 yen in the user account?" In the text section 23c on the purchase screen 23. The information included in the confirmation contents and purchase screen information is used. Furthermore, when the purchase screen 24 shown in FIG. 16 is generated, "Purchase 50,000 yen of company A stock from 40,000 yen of the user account and 10,000 yen of the prepaid card" in the text part 24c on the purchase screen 24. The content of the confirmation to the user, "Is it okay?", Uses the information included in the purchase screen information. Then, the user terminal T1 displays any one of the purchase screens 21 to 24 generated as described above on the display 10f (S51).

Then, the user terminal T1 determines whether or not the selection operation of the OK buttons 21a to 24a is accepted on the displayed purchase screens 21 to 24 (S52), and if the selection operation of the OK button 21a or the like is not accepted, the following It is determined whether or not the selection operation of the back buttons 21b to 24b has been accepted (S53). When the selection operation of the back button 21b or the like is accepted (S53: YES), the process returns to the stage S5 of the first flowchart of FIG. 19, and the user terminal T1 switches the display of the display 10f to the transaction screen 45 of FIG. If the selection operation of the back button 21b or the like is not accepted (S53: NO), the process returns to the stage of S52 and determines whether or not the selection operation of the OK button 21a or the like is accepted.

Then, when the selection operation of the OK button 21a or the like is accepted (S52: YES), the user terminal T1 accepts the purchase instruction operation according to the confirmation content described in the text portion 21c or the like in the purchase screen 21 or the like. Therefore, a purchase instruction according to the confirmation content is transmitted to the transaction server 80 (S54). For example, when the selection operation of the OK button 21a on the purchase screen 21 of FIG. 13 is accepted, the user terminal T1 transmits a purchase instruction to purchase the stock of company A for 50,000 yen using the 50,000 yen of the prepaid card. Below, when the selection operation of the OK button 22a on the purchase screen 22 of FIG. 14 is accepted, the purchase to the effect that the stock of company A is purchased using the prepaid card of 40,000 yen and the user account of 10,000 yen. When the user terminal T1 sends an instruction and accepts the selection operation of the OK button 23a on the purchase screen 23 of FIG. 15, a purchase instruction to purchase the stock of company A for 50,000 yen using the user account of 50,000 yen. When the user terminal T1 transmits and accepts the selection operation of the OK button 24a on the purchase screen 24 of FIG. The user terminal T1 will transmit a purchase instruction to the effect of purchasing.

After transmitting the purchase screen information at the stage of S45, the transaction server 80 determines whether or not the purchase instruction from the user terminal T1 has been received (S60), and if not (S60: NO). ), Waiting for reception. When the purchase instruction is received (S60: YES), the transaction server 80 performs a purchase process according to the purchase instruction in a bilateral transaction based on the received purchase instruction (S61). The transaction server 80 also stores the purchase processing contents in the account DB 83 when the purchase processing is completed. Then, the transaction server 80 transmits the purchase completion information to the user terminal T1 (S62).

After transmitting the purchase instruction at the stage of S54, the user terminal T1 determines whether or not the purchase completion information from the transaction server 80 has been received (S55), and if not (S55: NO). ), Waiting for reception. When the purchase completion information is received (S55: YES), the user terminal T1 displays the purchase completion screen 27 shown in FIG. 18 (S56). From the purchase completion screen 27, the user confirms that the purchase process according to the purchase instruction has been completed. After displaying the purchase completion screen 27, the user terminal T1 appropriately switches the display of the display 10f by accepting selection operations such as the confirmation button 27b and the portfolio button 27c, but the details are omitted in the third flowchart. ..

Further, after transmitting the purchase completion information at the stage of S62, the transaction server 80 determines whether or not the purchase was made using the prepaid card in the purchase process at the stage of S61 (S63), and the prepaid card. (S63: NO), a series of processes related to the purchase instruction this time is temporarily terminated without performing any particular process. On the other hand, when the purchase process is performed using the prepaid card (S63: YES), the transaction server 80 specifies the amount of money used for the prepaid card, and the advance payment usage information (purchased the brand) that notifies the specified amount of money used. Information including the user ID of the user) is transmitted to the advance payment management server 5 (S64).

As shown in the first flowchart of FIG. 19, the advance payment management server 5 determines whether or not the advance payment usage information from the transaction server 80 has been received after the advance payment information has been transmitted at the stage of S22. (S23), when the advance payment information is not finally received (S23: NO), the series of processes this time is temporarily terminated without performing any particular process. On the other hand, when the advance payment information is received (S23: YES), the settlement processing of the amount of the advance payment included in the received advance payment information is performed (S24), and the usage history of the prepaid DB 6 is updated when the settlement is completed.

Further, when "amount designation" is set in the card setting item of the user DB 82 of FIG. 5 at the stage of S43 of the second flowchart of FIG. 20 (S43: YES), the actual size is shown in the fourth flowchart of FIG. Then, the transaction server 80 generates the amount designation screen information related to the amount designation screen 25 shown in FIG. 17 (S80), and transmits the generated amount designation screen information to the user terminal T1 (S81).

On the other hand, when the user terminal T1 does not receive the purchase screen information at the stage of S32 of the second flowchart of FIG. 20 (S32: NO), the amount of money from the transaction server 80 at the stage of S70 of the fourth flowchart of FIG. 22 It is determined whether or not the designated screen information has been received (S70). When the amount designation screen information is not received (S70: NO), the process returns to the stage S31 of the second flowchart of FIG. 20 again, and the reception determination of the non-purchasable screen information from the transaction server 80 is performed. When the amount designation screen information is received (S70: YES), the user terminal T1 generates the amount designation screen 25 shown in FIG. 17 using the information included in the received amount designation screen information (S71). The generated amount designation screen 25 is displayed on the display 10f (S72).

Then, the user terminal T1 determines on the amount specification screen 25 whether or not the operation of specifying the amount of money used for the prepaid card or the amount of money used for the user account has been accepted (S73), and if not, the user terminal T1 is in a state of waiting for the operation (S73). S73: NO), when the designated operation is accepted (S73: YES), the amount of money specification information (for example, the amount of money to use the prepaid card is 40,000 yen and the user account is 10,000 yen) according to the accepted designated operation. The designated information) is transmitted to the transaction server 80 (S74). The processing of the user terminal T1 after the transmission of the amount designation information goes to the stage of S31 in the second flowchart of FIG.

On the other hand, the transaction server 80 determines whether or not the amount designation information from the user terminal T1 has been received after the amount designation screen information is transmitted at the stage of S81 (S82), and receives the amount designation information. If not (S82: NO), the state is waiting for reception, and if the amount designation information is received (S82: YES), the process proceeds to the stage S44 of the second flowchart of FIG. Based on this, purchase screen information is generated (S44). In the subsequent processing, as shown in the second flowchart, the generated purchase screen information is transmitted to the user terminal T1 (S45), and the purchase screens 21 to 24 are displayed on the display 10f of the user terminal T1. The subsequent processing is the same as in the case described above.

As described above, in the present invention, when the stock is purchased online using the prepaid card, the settlement is automatically performed without inputting the card ID of the prepaid card. You can use the prepaid card smoothly. Further, in the present invention, even if an attempt is made to purchase shares using a prepaid card, if the advance payment of the prepaid card is insufficient, the shortfall can be applied to the user account. It is useful when the user purchases the desired stock.

Further, in the present invention, when the user account is preferentially used for the payment of stock purchase, if the deposit balance of the user account is insufficient, the shortage can be applied with the prepaid card, so that the user account does not need to be deposited. However, the stock purchase can be continued, and the user's convenience can be improved by not missing the purchase opportunity at the stock price desired by the user during the time-consuming work of depositing to the user account.

The first embodiment of the present invention is not limited to the above-mentioned contents, and various modifications can be considered. For example, as shown in Fig. 10 (b), how to use a prepaid card is to select from three types: "card priority", "account priority", and "amount specification", as well as "card priority" and "account priority". , "Card priority" and "Specify amount", and "Account priority" and "Specify amount". good. Furthermore, if the card setting screen as shown in FIG. 10B is omitted and the use of the "prepaid card" is set, any one of "card priority", "account priority", or "amount designation" is performed. It is also possible to make specifications that guide the user's usage of the prepaid card by limiting the usage to.

Further, from the viewpoint of increasing the frequency of use of the prepaid card, the item "card only" may be selectably provided in the card setting screen (see FIG. 10B) for the usage of the prepaid card. This item "card only" uses only the advance payment of the prepaid card for the purchase of shares and does not use the user account. In this case, in determining whether or not the purchase is possible (No. 20 in FIG. 20). 2), the transaction server 80 compares the purchase cost related to the purchase order information with the prepayment notified in the prepayment information, and if the purchase cost is less than or equal to the amount of the prepayment, the purchase screen information is displayed. If the purchase cost exceeds the amount of the advance payment, the non-purchasable screen information corresponding to the non-purchasable screen 20 of FIG. 12 will be generated. As described above, this "card only" can be limited to the "card only" usage by omitting the card setting screen and setting the use of a prepaid card.

Further, in the above example, the use of the prepaid card is set through the prepaid use setting screen 16 of FIG. 10 (a), but when the user account is opened in the securities company system 2, the use of the prepaid card is applied. Then, if items necessary for using the prepaid card such as "communication user ID" and "card ID" in the user DB 82 of FIG. 5 are already stored, it is assumed that the use of the prepaid card is set, and FIG. The display of the prepaid use setting screen 16 or the like in a) may be omitted, and the process of using the prepaid card may be performed.

Further, in the above example, the prepaid card usage setting is set through the prepaid usage setting screen 16 and the like in FIG. 10A in the preparatory stage before the stock purchase, but the transaction screen 45 in FIG. 11 It is also possible to set the use of the prepaid card each time a purchase order is placed at. Specifically, when the user terminal T1 accepts the selection operation of the purchase button 48a for placing a purchase order on the transaction screen 45 of FIG. 11 and transmits the purchase order information to the transaction server 80, the transaction server 80 displays the purchase order in FIG. When the prepaid use setting screen 16 of a) is displayed on the user terminal T1 and the prepaid use selection field 16a is selected, the card setting screen 17 of FIG. 10B is not displayed, and the system specifications and the like are displayed. Depending on the situation, the process will proceed with either "card priority" or "specify amount" (note that in order to set the use of the prepaid card for each purchase order, the user DB 82 needs the prepaid card in advance. Information such as communication user ID and card ID is stored).

When proceeding with "card priority", when the prepaid use selection field 16a is selected on the prepaid use setting screen 16 of FIG. 10A, the processing after the stage S41 of the second flowchart of FIG. 20 is performed. It will be. On the other hand, when proceeding with the "amount designation", when the prepaid use selection field 16a is selected on the prepaid use setting screen 16 of FIG. 10A, the amount designation screen 25 of FIG. 17 is displayed on the user terminal T1. The processing is performed, and the processing of the fourth flowchart of FIG. 22 (the transaction server 80 is the processing after S80, and the user terminal T1 is the processing after S70). In this way, it is possible to flexibly respond to the user's intention to use the prepaid card, which is preferable.

Further, as shown in FIG. 12, the non-purchasable screen 20 presents three notations of reduction of the purchase amount, charge of the prepaid card, and deposit of the user account as a method of dealing with the shortage amount, but all of them are presented. Is not always presented, and at least one of these three may be indicated in consideration of system specifications, business priority, and the like.

For example, if you want to promote the use of prepaid card business, you can write only the charge of the prepaid card, and if you want to promote the use of user account business, you can deposit the user account. If you want to promote the use of both the prepaid card and the user account for business purposes, it is preferable to list only the prepaid card charge and the user account deposit. Become.

Further, when reducing the processing load of the transaction server 80, it is possible to make the specification that the processing related to the decision on whether or not to purchase (the processing of S41 to S44 in the second flowchart of FIG. 20) is performed on the user terminal side. be. In this case, when the transaction server 80 receives the advance payment information from the advance payment management server 5 and acquires it (see S15 in the first flowchart of FIG. 19), the acquired advance payment information and the login specified from the account DB 83 are in progress. The latest balance of the user account according to the user of is transmitted to the user terminal T1.

When the user terminal T1 receives the advance payment information and the latest balance of the user account, it temporarily stores the advance payment information in the RAM 10c, and when the purchase order is accepted on the transaction screen 45 of FIG. 11 (when the selection operation of the purchase button 48a is accepted). Instead of sending the purchase order information to the trading server 80, the purchase cost of the designated stock is compared with the total amount of the advance payment related to the advance payment information stored in the RAM 10c and the latest balance of the user account. As a result of comparison, when the purchase cost exceeds the total amount, the process of generating and displaying the non-purchasable screen 20 as shown in FIG. 12 is performed by the user terminal itself (the wording of the text part 20c is on the user terminal side). Generated by). If the purchase cost is less than or equal to the total amount, it is determined that the purchase is possible, and the purchase screens 21 to 24 according to any one of FIGS. 13 to 16 are generated and displayed by the user terminal itself. In this case, either "card priority" or "account priority" is set on the user terminal side.

Further, when processing related to the determination of whether or not to purchase is performed on the user terminal side as in the above modified example, after receiving the purchase order on the transaction screen 45, before displaying the purchase screens 21 to 24 of FIGS. 13 to 16. A process of displaying the amount of money designation screen 25 of FIG. 17 on the user terminal T1 may be performed, and the purchase screens 21 to 24 may be displayed according to the content of the amount of money specified on the amount of money designation screen 25. The processing after displaying the non-purchasable screen 20 or the purchase screens 21 to 24 is the same as the case described based on the second and third flowcharts of FIGS. 20 and 21.

Further, although the present invention has been described in the purchase transaction in the amount unit, it is of course applicable to the purchase transaction in the product unit (for example, the number of shares unit). In this case, the transaction server 80 or the user terminal side has the unit of the number of shares. The transaction is converted into a monetary amount, and processing according to the monetary amount is performed in the same manner as above. Furthermore, the present invention can be applied to both bilateral transactions and consignment transactions by securities companies and the like.

Further, the present invention has described the case of stocks as a purchase target, but the stocks can be treated in the same manner for stocks of foreign companies in addition to stocks of Japanese companies. Further, the financial product in the present invention generally means a product including "securities" and "derivative products (financial derivatives)", and specific examples of the "securities" include bonds, in addition to the above-mentioned stocks. Real estate securities, investment trusts, etc. can be applied to the present invention as financial products, and specific examples of "derivative products (financial derivatives)" include future transactions, CFD (Contract for Difference), and stock acquisition rights. It is applicable to the present invention. Furthermore, as products applicable as financial products according to the present invention, financial products having a broad meaning other than those described above can be applied, for example, convertible corporate bonds, credit transactions, domestic bonds, foreign bonds, MMFs. , Medium-term Bond Fund, MRF, REIT, CFD, ETF, ETN, Foreign Exchange, Gold, Platinum, Commodity Futures, Various Time Deposits, Various Structured Deposits, Various Savings, Various Savings, Investment Trusts, Various Insurances, Money Trusts, Foreign Currency Deposits Etc. can also be applied to the present invention.

Further, as the issuer of the prepaid card used in the present invention, in the above-described embodiment, the communication carrier business entity that collects the communication cost related to the communication device has been described, but the present invention is not limited to this, and the unit is for a certain period of time. If it is a prepaid card prepayment issued by an entity that can collect (identify and collect the user) by adding the amount of the prepayment to the cost paid by the user in It can be used as a prepayment for the prepaid method in the invention. Further, since a debit card issued by a financial institution such as a bank can be used for purchasing various products, in the present invention, the deposit in the account corresponding to the debit card is also used as the prepayment related to the prepaid method. In this case, the server device constituting the system for managing the debit card in a financial institution such as a bank corresponds to the prepayment management server, and performs the above-mentioned processing with the transaction server 80. become.

The financial product purchasing system according to the second embodiment of the present invention performs the above-described processing according to the first embodiment on a website basis, and uses various screens shown in FIGS. 9 to 18 as web page screens of the website as a user terminal. It is intended to be displayed in. Since the hardware configuration of the second embodiment is the same as that of the first embodiment, the contents of the second embodiment will be described below using the same reference numerals as those of the first embodiment. ..

In the second embodiment, the securities company system 2 constructs a stock trading website on the network NW, and the trading server 80 included in the securities company system 2 plays a role of a web server from a user terminal. By displaying various screens described in the first embodiment on the user terminal via the website according to the access, the user can purchase financial products.

FIG. 23A shows the contents of the program and the like in the second embodiment stored in the storage unit 10g by the smartphone 10 (see FIG. 8) as an example of the user terminal, and is unique to the second embodiment. , Newly stores the browser program P22. This browser program P22 performs processing in cooperation with the stock trading program P21'for the second embodiment. For example, when the stock trading icon on the home screen of the user terminal is selected, the securities company system 2 (transaction server) The website constructed by 80) is accessed, and after the access, the CPU 10a generates and generates a web page screen based on the web page data transmitted from the securities company system 2 based on the process defined by the browser program P22. Each of the created web page screens will be displayed on the display 10f. In addition, when the selection operation of each button included in the web page screen is accepted, it is also stipulated in the browser program P22 to send an operation notification to the effect that the button has been selected to the securities company system 2 (transaction server 80). Based on this, the CPU 10a will control it.

FIG. 23 (b) shows the contents of a program or the like stored in the large-capacity storage system 80 g of the transaction server 80 of the securities company system 2, and is a new web server program P12 unique to the second embodiment. The website DB85, which stores web page data corresponding to a plurality of web pages constituting the website constructed on the network, is also stored. The web server program P12 reads the screen information constituting the required web page from the website DB85 and transmits it to the access source user terminal according to the access status from the user terminal. The required screen information will be transmitted according to the information indicating the operation content to be transmitted.

Further, the transaction program button P11'of the second embodiment performs processing in cooperation with the processing of the web server program P12, and the processing content to be executed (decision on whether or not to purchase, etc.) is basically the first. It is the same as the embodiment. In the second embodiment as well, it is assumed that the application for using the prepaid card is made to the securities company in advance, and the communication user ID, card ID, card setting, etc. are also stored in the user DB 82 at the time of application.

In the second embodiment described above, when the user terminal first accesses the transaction server 80, the transaction server 80 transmits the login screen information for displaying the login screen 15 of FIG. 9 to the user terminal in response to the access. Then, when the user terminal receives the login screen information, the login screen 15 is generated by the processing of the browser program P22 based on the login screen information and displayed on the display 10f. In addition, on the login screen 15 displayed as a web page, the same user operation as in the first embodiment is performed, and the login information of the user is transmitted from the user terminal to the transaction server 80. , The processing content described in the first flowchart of FIG. 19 of the first embodiment is performed.

Then, when the login is completed, in the second embodiment, the login completion notification is not transmitted to the user terminal, but the screen information corresponding to the brand selection screen is transmitted from the transaction server 80 to the user terminal as a web page. The brand selection screen is displayed on the user terminal. Then, when an operation of selecting a brand to be purchased is performed on this brand selection screen, the selected content is transmitted from the user terminal to the trading server 80, and responds to the trading screen of the selected brand (see the trading screen 45 in FIG. 11). The transaction screen information is transmitted from the transaction server 80 to the user terminal, and the user terminal generates and displays the transaction screen 45 as a web page based on the received transaction screen information.

When the purchase order is operated on the displayed transaction screen 45, the purchase order information is transmitted from the user terminal to the transaction server 80 as in the first embodiment, and thereafter, the second flowchart of FIG. 20 of the first embodiment will be described. However, the non-purchasable screen information and the purchase screen information sent from the transaction server 80 to the user terminal are information for displaying the non-purchasable screen and the purchase screen as a web page on the user terminal. However, it is different from the first embodiment.

That is, in the second embodiment, the non-purchasable screen information transmitted from the transaction server 80 to the user terminal is information for displaying the non-purchasable screen 20 shown in FIG. 12 as a web page generated by the user terminal. The contents (each button 20a, 20b, text part 20c, etc.) constituting the non-purchasable screen 20 include the description of the markup language system such as HTML language. Similarly, in the second embodiment, the purchase screen information transmitted from the transaction server 80 to the user terminal is information for displaying the purchase screens 21 to 24 shown in FIGS. 13 to 16 as web pages generated by the user terminal. The contents (each button, text part, etc.) constituting the purchase screens 21 to 24 include the description of the markup language system such as HTML language.

This is the same even when the amount designation screen 25 of FIG. 17 is displayed on the user terminal in the second embodiment, and when "amount designation" is set as the usage of the prepaid card (for example, the first (See S80, 81, etc. in the second flowchart of FIG. 22 of the embodiment), the amount designation screen information transmitted to the user terminal is information for displaying the amount designation screen 25 shown in FIG. 17 as a web page on the user terminal. The contents (each button, each amount designation field, etc.) constituting the amount designation screen 25 include the description of the markup language system such as HTML language. In addition, except for the contents described above, the second embodiment basically has the same configuration as the first embodiment, and the same processing is performed.

As described above, the invention according to the second embodiment is such that the content according to the first embodiment is performed on a website basis, thereby performing the processing content of the present invention with a flexible system configuration. There is a merit that can be done. Also in the second embodiment, the contents of the various modifications described in the first embodiment can be applied with the contents according to the second embodiment. For example, when determining whether or not to purchase on the user terminal side, a script system corresponding to the determination process is included in the screen information transmitted from the transaction server 80 to the user terminal in order to display each screen as a web page on the user terminal. The information that describes the processing of is included so that the required processing can be performed on the web page as appropriate.

INDUSTRIAL APPLICABILITY The present invention can be suitably used for smoothly using a prepaid card for payment of purchase costs of financial products such as stocks online.

1 Financial product purchase system 2 Securities company system 3 Exchange system 4 Communication carrier system 5 Prepaid money management server 10 Smartphone 10a CPU
16 Prepaid usage setting screen 17 Card setting screen 20 Non-purchasable screen 21 to 24 Purchase screen 25 Amount specification screen 80 Transaction server P11 Transaction program T1 to T3 User terminal U1 to U3 User (investor)

Claims (9)

In a financial product purchasing system including a transaction server that stores account information of a user account used for trading financial products and a communication terminal device that accepts a financial product purchase instruction operation.
The communication terminal device is
A means of displaying an amount specification screen including a prepayment specification field in which the amount of prepayment used can be specified and a user account specification field in which the amount of user account used can be specified for the payment method related to the purchase of financial products. When,
A purchase instruction to purchase a financial product with the specified usage amount in accordance with the acceptance of the usage amount designation for the payment method in the advance payment designation field and the user account designation field included in the amount designation screen. A means to display a purchase screen that can accept operations,
When the purchase instruction operation to purchase the financial product with the specified usage amount is received on the purchase screen, the purchase instruction for the financial product is transmitted to the transaction server.
The transaction server
A financial product purchasing system, characterized in that, when a purchase instruction transmitted from the communication terminal device is received, a means for processing the purchase of the financial product at a specified usage amount is provided. In a financial product purchasing method using a financial product purchasing system including a transaction server that stores account information of a user account used for trading financial products and a communication terminal device that accepts a financial product purchase instruction operation.
The communication terminal device is
Step to display the amount specification screen including the advance payment specification field that allows you to specify the amount of advance payment used and the user account specification field that allows you to specify the amount of user account used for the payment method related to the purchase of financial products. When,
A purchase instruction to purchase a financial product with the specified usage amount in accordance with the acceptance of the usage amount designation for the payment method in the advance payment designation field and the user account designation field included in the amount designation screen. Steps to display the purchase screen where operations can be accepted, and
When the purchase instruction operation to purchase the financial product with the specified usage amount is accepted on the purchase screen, the step of transmitting the purchase instruction of the financial product to the transaction server is executed.
The transaction server
A method for purchasing a financial product, which comprises executing a step of performing a process relating to the purchase of a financial product at a specified usage amount when a purchase instruction transmitted from the communication terminal device is received. In a communication terminal device that sends a financial product purchase instruction to an external transaction server that stores the account information of the user account used for financial product transactions when the financial product purchase instruction operation is accepted.
A means of displaying an amount specification screen including a prepayment specification field in which the amount of prepayment used can be specified and a user account specification field in which the amount of user account used can be specified for the payment method related to the purchase of financial products. When,
A purchase instruction to purchase a financial product with the specified usage amount in accordance with the acceptance of the usage amount designation for the payment method in the advance payment designation field and the user account designation field included in the amount designation screen. A means to display a purchase screen that can accept operations,
A communication terminal provided with a means for transmitting a purchase instruction for a financial product to an external transaction server when a purchase instruction operation for purchasing a financial product is received on the purchase screen. Device. Equipped with a means to display a transaction screen that can accept the operation of setting the purchase amount of financial products
The communication terminal device according to claim 3, wherein the amount designation screen is displayed when the operation for setting the purchase amount of a financial product is accepted on the transaction screen. When the amount specification screen is displayed when the advance payment is equal to or greater than the purchase amount of the financial product, the purchase amount of the financial product is automatically specified as the usage amount in the advance payment specification field, and 0 is displayed in the user account specification field. The communication terminal device according to claim 4, wherein the yen is automatically designated. Equipped with a means to display a setting screen that can accept settings related to the amount of advance payment
The communication terminal device according to any one of claims 3 to 5, wherein the amount designation screen is displayed when a setting relating to the amount designation of the advance payment is accepted on the setting screen. In the financial product purchase method, when the communication terminal device receives the financial product purchase instruction operation, the financial product purchase instruction is transmitted to an external transaction server that stores the account information of the user account used for the financial product transaction. ,
The communication terminal device is
Step to display the amount specification screen including the advance payment specification field that allows you to specify the amount of advance payment used and the user account specification field that allows you to specify the amount of user account used for the payment method related to the purchase of financial products. When,
A purchase instruction to purchase a financial product with the specified usage amount in accordance with the acceptance of the usage amount designation for the payment method in the advance payment designation field and the user account designation field included in the amount designation screen. Steps to display the purchase screen where operations can be accepted, and
When a purchase instruction operation to purchase a financial product with a specified usage amount is received on the purchase screen, the step of sending the purchase instruction of the financial product to an external transaction server is executed. How to purchase a product. When a computer with a communication function receives a financial product purchase instruction operation, it sends a financial product purchase instruction to an external transaction server that stores the account information of the user account used for financial product transactions. In a computer program to execute a process
On the computer
Step to display the amount specification screen including the advance payment specification field that allows you to specify the amount of advance payment used and the user account specification field that allows you to specify the amount of user account used for the payment method related to the purchase of financial products. When,
A purchase instruction to purchase a financial product with the specified usage amount in accordance with the acceptance of the usage amount designation for the payment method in the advance payment designation field and the user account designation field included in the amount designation screen. Steps to display the purchase screen where operations can be accepted, and
A computer characterized in that when a purchase instruction operation to purchase a financial product with a specified usage amount is received on the purchase screen, a step of sending a purchase instruction of the financial product to an external transaction server is executed. program.



On the computer
A step to display a setting screen that can accept settings related to the amount of advance payment, and
The computer program according to claim 8, wherein when the setting related to the amount designation of the advance payment is accepted on the setting screen, the step of displaying the amount designation screen is executed.

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