WO2017221956A1

WO2017221956A1 - Device for executing trading of securities

Info

Publication number: WO2017221956A1
Application number: PCT/JP2017/022787
Authority: WO
Inventors: 和久柴山; 稔白土; 健一加納; 有賀　博; 史朗牛山; 智秀保科
Original assignee: ウェルスナビ株式会社
Priority date: 2016-06-22
Filing date: 2017-06-21
Publication date: 2017-12-28

Abstract

A server device pertaining to an embodiment comprises: a storage means for at least storing realized gains, interest, distributions, dividends, and unrealized losses of a predetermined user in a specific year in association with securities held in an account of the predetermined user at a certain financial institution; a selection means for selecting, with regard to the predetermined user, at least one security as a security of interest from among securities which generated realized gains and/or interest, distributions, and dividends, and at least one security as a specified security from among the securities with unrealized losses; and a calculation means for calculating the quantity of each of the specified securities to be traded on the basis of the total amount of realized profit and/or the total amount of interest, distributions, and dividends pertaining to each security of interest, the unrealized losses and the quantity held of each of the specified securities, and the total amount of unrealized losses pertaining to all specified securities.

Description

Equipment that executes trading of securities

The technology disclosed in the present application relates to an apparatus for performing trading of securities.

A device disclosed in Japanese Patent No. 5823084 (Patent Document 1) is known as an apparatus used for trading securities. Patent Document 1 discloses a device that executes a sale process according to profits in response to a profit-sale instruction from a user (the disclosure of Patent Document 1 is incorporated herein by reference). Incorporated).

Japanese Patent No. 5823084

Various embodiments of the present invention provide an apparatus for performing trading of securities configured to provide new services to users.

The server apparatus according to one aspect of the present invention relates to a realized profit, interest / distribution in a specific year in association with each brand held in an account opened by a predetermined user for a predetermined user. Storage means for storing at least gold / dividend and unrealized loss, and for the predetermined user, based on at least one of the total realized profit and the total of interest / distribution / dividend for at least one issue And calculating means for calculating the quantity to be bought and sold for the specific issue with the unrealized loss, and for the predetermined user, after executing the sale process for selling the quantity of the specific issue, within a predetermined time, Buying and selling processing means for executing a purchase process for purchasing the specific brand in the same quantity as the quantity.
The server device according to another aspect of the present invention relates to a predetermined user in association with each brand held in an account opened by the predetermined user in a certain financial institution, realized gain, interest / Storage means for storing at least distribution / dividend and unrealized loss, and for the predetermined user, at least one issue from among issues in which at least one of realized gain and interest / distribution / dividend is generated Selection means for selecting at least one issue from among issues that have been selected as target issues and causing unrealized losses, and for the given user, the total realized profit and interest / distribution amount for each target issue At least one of the total dividends, the unrealized loss and holding quantity for each specific issue, and the total unrealized loss for all specified issues, Based on the calculation means for calculating the quantity to be bought and sold for each specific brand, and for the predetermined user, after executing the sale process of selling the quantity for each specific brand, within a predetermined time, each specific brand is Buying and selling processing means for executing purchase processing for purchasing the same quantity as the quantity.
A trading method according to an aspect of the present invention is a trading method executed by a computer, and for a predetermined user, the predetermined user is associated with each brand held in an account opened in a certain financial institution, Storing at least the realized gain, interest / distribution / dividend and unrealized loss in a specific year, and the total realized gain and interest / distribution / dividend for at least one issue for the given user; Based on at least one of the total amount of gold, a step of calculating a quantity to be bought / sold for a specific brand in which an unrealized loss has occurred and a sale process for selling the quantity of the specific brand for the predetermined user are executed And performing a purchase process for purchasing the specific brand in the predetermined time in the same amount as the quantity.
A trading method according to another aspect of the present invention is a trading method executed by a computer, wherein a predetermined user is associated with each brand held in an account opened by the predetermined user at a certain financial institution. Storing at least one of realized gain, interest / distribution / dividend and unrealized loss in a specific year, and at least one of realized gain and interest / distribution / dividend for the predetermined user; Selecting at least one issue from among the issues that have occurred and selecting at least one issue as a specific issue from issues with unrealized losses, and realizing each target issue for the given user At least one of the total amount of profit and the total amount of interest, distribution, dividends, unrealized loss and quantity held for each specified issue, and all specified Based on the total amount of the unrealized loss for the pattern, calculating the quantity to be bought and sold for each specific brand, and for the predetermined user, after executing the sale process to sell the quantity for each specific brand, And executing a purchase process for purchasing each specific brand in the predetermined time in the same quantity as the quantity.
A computer program according to an aspect of the present invention relates to a realized gain, interest / distribution money for a predetermined user in association with each stock held in an account established by the predetermined user at a certain financial institution. A storage means for storing at least dividends and unrealized losses;
For the predetermined user, at least one brand is selected as a target brand from the brands in which at least one of realized gain and interest, distribution, dividends is generated, and at least one of the brands in which an unrealized loss occurs Selection means for selecting one brand as a specific brand, and for the given user, at least one of the total realized profit and the total amount of interest, dividends, and dividends for each target brand, and unspecified for each specific brand Calculation means for calculating the quantity to be bought and sold for each specific brand based on the realized loss and the possessed quantity and the total amount of the unrealized loss for all the specific brands, and each specific brand for the predetermined user A sale processing means for executing a purchase process for purchasing each specific brand in the same amount as the quantity within a predetermined time after executing the sale process for selling the quantity. It is intended to function with.

FIG. 1 is a block diagram showing an example of the configuration of a securities trading system 1 according to an embodiment of the present invention. FIG. 2 is a block diagram showing an example of the configuration of the trading server 10 (each server constituting the trading server 10) used in the securities trading system 1 shown in FIG. FIG. 3 is a block diagram showing an example of the configuration of the terminal device 30 used in the securities trading system 1 shown in FIG. FIG. 4 is a block diagram showing an example of functions of the trading server 10 used in the securities trading system 1 shown in FIG. FIG. 5 is a flowchart showing an example of operations performed in the securities trading system 1 shown in FIG. FIG. 6 is a diagram showing an example of information related to user assets stored in the database server 16 of the trading server 10 used in the securities trading system 1 shown in FIG. FIG. 7 is a diagram showing an example of market price information provided from the securities server 16 of the trading server 10 used in the securities trading system 1 shown in FIG. FIG. 8 is a diagram showing an example of transaction information stored in the database server 16 of the trading server 10 used in the securities trading system 1 shown in FIG.

Hereinafter, various embodiments of the present invention will be described with reference to the accompanying drawings. In the accompanying drawings, common constituent elements are denoted by the same reference numerals.

1. Overview of Securities Trading System According to One Embodiment A securities buying and selling system according to one embodiment includes a tax (income tax, resident tax, reconstruction tax, etc.) that is taxed on profits generated by a user through a securities transaction. ) (Hereinafter referred to as “income tax”) is provided to the user with a new service. Specifically, for the purpose of tax law, it is possible to offset the gain on transfer and interest / distribution / dividend (hereinafter referred to as “distribution etc.” for the sake of convenience) generated in securities transactions in a specific year with the loss on transfer. As a premise, at least one stock is selected as a “target stock” from stocks that have realized (at least one of) realized profit and distribution etc. for a certain user at a certain point in time, and is not yet realized Select at least one issue from among the issues with losses as a “specific issue” and offset the amount and realized loss against the total amount of realized gains and distributions (at least one) generated for the subject issue After calculating the quantity (number of shares, number of shares, face value, etc.) of the specified issue to be sold in order to sell the specified issue, the predetermined number In time, the specific stocks by executing purchase processing to buy the same quantity and the quantity is causing a realized loss without causing fluctuations in the possession quantity for the specific brand. As a result, the user shall be subject to income tax, etc., which is the amount obtained by offsetting the realized loss incurred for the specific issue from the total of realized gains and / or distributions (at least one) etc. As a result, the income tax to be paid can be reduced as compared with the case where only realized profits and distributions (at least one of them) are generated.

The name “target brand” is used in this application for the purpose of identifying the brand selected from the brands in which at least one of realized gains and distributions is generated. . Therefore, it is possible to use any other name instead of the name “target brand”. Similarly, the name “specific brand” is used for convenience in the present application for the purpose of identifying a brand selected from brands with unrealized losses. Therefore, it is possible to use other arbitrary names instead of the name “specific brand”.

FIG. 1 is a block diagram showing an example of the configuration of a securities trading system according to an embodiment of the present invention. As shown in FIG. 1, a securities trading system 1 mainly includes a trading server 10 and a plurality of terminal devices 30-1 connected to the trading server 10 via a communication network 20 including the Internet. 30-2,..., 30-N (hereinafter sometimes collectively referred to as “terminal device 30”).

In the present embodiment, the trading server 10 is connected to the calculation server 12, the web server 14 connected to the calculation server 12, the database server 16 connected to the calculation server 12 and the web server 14, and the database server 16. Securities server 18. In another embodiment, the trading server 10 is configured as one or a plurality of databases so as to perform all of the functions performed by each of the calculation server 12, the web server 14, the database server 16, and the securities server 18. It may be.

The web server 14 generates HTML data for displaying a web page using various information received from the calculation server 12 and the database server 16 according to the information received from the terminal device 30 and transmits the HTML data to the terminal device 30. To do. The database server 16 stores information received from each of the web server 14, the calculation server 12, and the securities server 18, and transmits the stored information to the calculation server 12 and the web server 14. The calculation server 12 executes various processes and operations based on information received from the web server 14 and the database server 16, and transmits the results of such processes and operations to the web server 14 and the database server 16. . The stock server 18 receives various information related to securities from a server device (not shown) arranged on a stock exchange (not shown) (Tokyo Stock Exchange, New York Stock Exchange, etc.). The information received as such is transmitted to the database server 16.

The user transmits / receives various information to / from the trading server 10 (particularly the web server 14) using the terminal device 30 of the user, and thereby various services related to trading of securities (hereinafter referred to as “securities trading service”). ")".

2. Configuration of Trading Server 10 The configuration that the calculation server 12, the web server 14, the database server 16, and the securities server 18 that constitute the trading server 10 have in common will be described with reference to FIG. FIG. 2 is a block diagram showing an example of the configuration of the trading server 10 (each server constituting the trading server 10) used in the securities trading system shown in FIG.

As shown in FIG. 2, each server includes a CPU 101, a main memory 102, a user interface (I / F) 103, a communication interface (I / F) 104, an external memory 105, and a disk drive 106. These components are electrically connected to each other via a bus 107.

The CPU 101 loads an operating system, a program for realizing various functions, and the like from the external memory 105 into the main memory 102, and executes instructions included in the loaded program. The main memory 102 is used for storing a program executed by the CPU 101, and is constituted by a DRAM, for example.
The CPU 101 mounted on the calculation server 14 executes various processes and calculations based on information received from each of the web server 14 and the database server 16. The CPU 101 mounted on the web server 14 generates HTML data for displaying a web page using various information received from the calculation server 12 and the database server 16 in accordance with the information received from the terminal device 30. To do.

The user I / F 103 includes, for example, an information input device such as a keyboard and a mouse that receives an operator's input, and an information output device such as a liquid crystal display that outputs a calculation result of the CPU 101. The communication I / F 104 is implemented as hardware, firmware, communication software such as a TCP / IP driver or a PPP driver, or a combination thereof.
Note that the calculation server 12, the web server 14, the database server 16, and the securities server 18 are communicably connected to other servers using the communication I / F 104. Further, the web server 14 is configured to be able to communicate with the terminal device 30 via the communication network 20 using the communication I / F 104.

The external memory 105 is composed of, for example, a magnetic disk drive, and stores various programs such as programs for realizing various functions. The external memory 105 can also store various data used in these programs.

The disk drive 106 reads data stored in various storage media such as CD-ROM, DVD-ROM, and DVD-R, or writes data to these storage media.
In the above, the structure which the calculation server 12, the web server 14, the database server 16, and the securities server 18 which comprise the buying and selling server 10 have in common was demonstrated.

Here, paying attention to the web server 14 having such a configuration, the web server 14 is a web server that manages a website composed of a plurality of web pages having a hierarchical structure. Trading services can be provided. The browser software provided in the terminal device 30 acquires HTML data for displaying the web page from the web server 14, analyzes the acquired HTML data, and presents the web page to the user of the terminal device 30. Can do. HTML data for displaying the web page can also be stored in the external memory 105. The HTML data includes an HTML document described in a markup language such as HTML, and various images can be associated with the HTML document using tags. A program written in a script language such as ActionScript or Javascript (registered trademark) can be embedded in the HTML document.
In this way, the web server 14 manages the website that provides the securities trading service, and distributes the web pages constituting the website in response to a request from the terminal device 30, thereby allowing the user to buy / sell securities. Service can be provided.

3. The terminal device 30 of the terminal device 30 is an arbitrary information processing device capable of displaying a web page of a website acquired from the trading server 10 on a web browser in one embodiment, for example, a mobile phone, Including but not limited to smartphones, personal computers and touchpads.

The configuration of the terminal device 30 will be described with reference to FIG. FIG. 3 is a block diagram showing an example of the configuration of the terminal device 30 used in the securities trading system 1 shown in FIG. As shown in FIG. 3, the terminal device 30 includes a CPU 31, a main memory 32, a user interface (I / F) 33, a communication interface (I / F) 34, and an external memory 35. The components are electrically connected to each other via a bus 36.

The CPU 31 loads various programs such as an operating system from the external memory 35 into the main memory 32, and executes instructions included in the loaded program. The main memory 32 is used for storing a program executed by the CPU 31, and is constituted by, for example, a DRAM.

The user I / F 33 includes, for example, an information input device such as a touch panel that accepts user input, a keyboard, buttons, and a mouse, and an information output device such as a liquid crystal display that outputs a calculation result of the CPU 31. The communication I / F 34 is implemented as hardware, firmware, communication software such as a TCP / IP driver or a PPP driver, or a combination thereof, and is configured to be able to communicate with the server device 10 via the communication network 20.
The external memory 35 is configured by, for example, a magnetic disk drive, a flash memory, or the like, and stores various programs such as an operating system.

The terminal device 30 having such a configuration includes, for example, browser software for interpreting an HTML format file (HTML data) and displaying the screen, and the HTML acquired from the trading server 10 by the function of the browser software. The data can be interpreted to display a web page corresponding to the received HTML data. The terminal device 30 also includes plug-in software (for example, FLASH Player provided by Adobe Systems) (FLASH is a trademark) incorporated in browser software, and a SWF format file embedded in HTML data is provided. The SWF format file obtained from the trading server 10 can be executed using browser software and plug-in software.

When the terminal device 30 interprets an HTML format file (HTML data), for example, an animation and an operation icon specified in the file are displayed on the screen of the terminal device 30. The user can input an instruction to advance the securities trading service using an input interface (for example, a touch screen or a button) of the terminal device 30. The instruction input from the user is transmitted to the trading server 10 through a platform function such as a browser of the terminal device 30.

4). Function of Trading Server 10 FIG. 4 is a block diagram showing an example of the function of the trading server 10 used in the securities trading system 1 shown in FIG. As shown in FIG. 4, the trading server 10 mainly includes a storage unit 110, a selection unit 112, a calculation unit 120, and a trading processing unit 130.

The storage unit 110 is realized by associating each user with each of a plurality of brands held in an account opened by the user at a certain financial institution (here, “WN company” which is a financial product transaction company). Various information including profits, distributions, etc. and unrealized losses can be stored. Financial institutions include deposit handling financial institutions (banks, credit unions, credit agricultural cooperative associations, etc.), financial product traders, and insurance companies. Furthermore, financial institutions include financial institutions defined by laws of other countries.

The selection unit 112 selects, for each user, at least one brand from among brands in which at least one of realized gains and distributions is generated as a target brand, and at least one brand from among brands in which an unrealized loss occurs. As a specific brand.

For each user, the calculation unit 120 includes at least one (or both) of the total realized profit and the total amount of distributions, etc., for each target brand selected by the selection unit 112, and each selected by the selection unit 112. Calculate the quantity (number of units) to be bought and sold for each specific issue based on the unrealized loss and quantity held for the specific issue and the total unrealized loss for all the specific issues selected by the selection unit 112 Can do. In addition, the calculation unit 120 can calculate the quantity to be bought and sold for each specific brand based on the ratio of the unrealized loss of each specific brand to the total unrealized loss for all the specific brands.

For each user, the sale processing unit 130 may execute a purchase process for purchasing the specific brand in the predetermined amount after the sale process for selling the specific brand in the predetermined amount. it can.

Each function of the trading server 10 can be realized by using the configuration shown in FIG.

5). Operation of Securities Trading System An example of an operation performed to provide a securities trading service in the securities trading system 1 having the above configuration will be described.
First, an outline of operations performed in the securities trading system 1 will be briefly described with reference to FIG. FIG. 5 is a flowchart showing an example of operations performed in the securities trading system 1 shown in FIG.

First, in step (hereinafter referred to as “ST”) 40, a user (here “User A”) uses the terminal device 30 to execute a securities trading service provided by the web server 14 of the trading server 10. A predetermined site for providing is accessed, and various information is input and transmitted to the web server 14. The user A can designate various information including the amount of money spent for purchasing the securities and transmit it to the web server 14. Such information is transmitted to the calculation server 12 via the web server 14. Thereby, the calculation server 12 automatically generates a portfolio including a plurality of issues for the user A according to a predetermined algorithm.

In ST42, the calculation server 12 executes a rebalance process. Specifically, the calculation server 12 monitors the state of the portfolio of the user A, and sets each brand so that each asset of a plurality of brands constituting this portfolio occupies a specific ratio with respect to the entire asset. Perform rebalancing process to sell or purchase the appropriate number of units. The ratio of the assets of each brand with respect to the total assets is not limited, and may be set values provided in advance or set values designated by the user A.

In ST44, the calculation server 12 generates (updates) information related to the assets of the user A. As a result, the calculation server 12 generates (updates) information related to the asset of the user A and stores it in the database server 16.

FIG. 6 is a diagram showing an example of information related to user assets stored in the database server 16 of the trading server 10 used in the securities trading system 1 shown in FIG. As illustrated in FIG. 6, for the user A identified by the customer ID “0001”, the database server 16 stores the brand A to the brand G held in the account opened by the financial institution trader (WN company). For example, it is possible to store, for example, the number of units held, average acquisition unit price, realized profit, cumulative distribution amount, market price, unrealized loss (note that the target realized loss, number of trading units and average after trading shown in FIG. 6) The acquisition unit price is for explaining the processing in ST46, and is not stored in the database server 16).

Among these pieces of information, the “market price (yen)” is calculated by the calculation server 12 based on, for example, the market price information shown in FIG. 7 (this is information provided from the securities server 18 to the database server 16). It is. For example, “11792 (yen)” which is the “market price (yen)” of the brand A is “106.28 (yen)” which is the exchange rate between the US dollar and the Japanese yen, and the price of the brand A is “106. 93 (dollars) ". Therefore, it can be said that the “market price (yen)” of each brand changes from time to time depending on the market price information provided from the securities server 18.

Of the information stored in the database server 16 for the user A, the “unrealized gain / loss (yen)” is also substantially calculated by the calculation server 12 based on the market price information shown in FIG. It is. For example, “-9240 (yen)”, which is “unrealized gain / loss (yen)” of brand A, is “average acquisition unit price (yen)” of brand A from “11792 (yen)”, which is “market price” of brand A. Is calculated by multiplying the value obtained by subtracting “12100 (yen)”, which is “30”, which is the “number of shares” of the brand A. Therefore, it can be said that the “unrealized gain / loss (yen)” of each brand also changes from time to time depending on the market price information provided from the securities server 18.

The database server 16 can store the above information not only for the user A but also for other users (that is, for each user).

Returning to FIG. 5, in ST45, the calculation server 12 selects at least one brand from among the brands in which realized gain and / or distribution etc. (one or both) are generated, and the brand in which an unrealized loss has occurred. At least one brand is selected as a specific brand. The calculation server 12 can automatically perform selection of the target brand using a computer program, or alternatively or in combination with the selection, the operator selects the target brand via the trading server 10. It can also be executed based on the input information or the information input by the user via the terminal device 30 and transmitted to the trading server 10.

In ST46, the calculation server 12 determines each of the target brands selected in ST45 based on at least one of the realized gain and distribution, etc., and the unrealized loss and holding quantity of each target brand selected in ST45. Calculate the number of units to buy or sell a specific issue.

In ST48, the calculation server 12 sells each specified issue selected in ST45 for sale in the number of units calculated in ST46, and purchase for purchasing each specified issue selected in ST45 in the same number as the number calculated in ST46. Execute the process.

Thereafter, the above-described processing (ST40 to ST48) is repeated. In this case, if the user A does not input any information in ST40, no processing is performed, and the processing moves to ST42.
In ST42, the rebalancing process is executed only when, for example, the ratio of the assets of any brand to the total assets is different from the ratio set for this brand. And / or may be executed every predetermined cycle (for example, any cycle such as one week, two weeks, one month, three months, etc.).
Furthermore, in ST44, the update of the information related to the assets of the user A is also executed, for example, every predetermined cycle (for example, every cycle (for example, every day at 5 am, every week, every month, etc.)). Alternatively, and / or each time the rebalancing process at ST42 and / or the trading process for the specific brand at ST48 is executed.
Furthermore, in ST48, the trading process for a specific brand may be executed at a predetermined cycle (daily, weekly, monthly, quarterly, yearly or other fixed period), or at least one brand may be executed. When the distribution amount is updated, when at least one brand is sold, when the rebalancing process in ST42 is executed, and in ST40, a predetermined signal (execution processing for a specific brand is executed from the terminal device 30 of the user A) And / or any of the trading server 10 (calculation server 12, web server 14, database server 16 and securities server 18). By an operator operating this trading server 10 via a user interface (I / F) 103 provided in the When the inputted predetermined signal is detected by the CPU 101 of the trading server 10 (for example, an operator clicks a predetermined icon or the like to execute trading processing of a specific brand for a specific user, or from the keyboard It may be executed at the time of inputting predetermined information.

5-1. Regarding the specific example of selection of the target brand and the specific brand (ST45) , as described above, the calculation server 12 selects at least one brand (of course, all of the brands from which realized profit and / or distribution etc. (one or both) are generated). (May be a brand) is selected as a target brand, and at least one brand (which may of course be all brands) is selected as a specific brand from brands in which an unrealized loss has occurred. Any method can be used as a method of selecting the target brand and the specific brand.
Hereinafter, a specific example of the selection method of the target brand and the specific brand will be described.

(Selection of target brand)
The calculation server 12 has a predetermined absolute value (or the smallest) of the absolute value (at least one of the realized gain and the distribution) among the issues in which at least one of the realized profit and the distribution is generated. A number of brands can be selected as target brands. Referring to the example shown in FIG. 6, when the predetermined number is set to “2”, the stock A having the largest absolute value of the total amount (5100 yen) of the realized gain and distribution and the realized gain And the brand C having the next largest absolute value of the total amount (4200 yen) of distribution etc. is selected as the target brand. In addition, when the predetermined number is set to “3”, in addition to the brand A and the brand C, the brand B having the second largest absolute value of the total amount (4000 yen) of realized profit and distribution is the next. , Selected as the target brand.

Instead of this, the calculation server 12 has a predetermined number with the largest (or smallest) absolute value of the “other parameter” among the stocks in which at least one of the realized gain and the distribution is generated. Can be selected as the target brand. The “other parameters” may include various parameters including, for example, “number of units”, “average acquisition unit price”, “market price”, and the like shown in FIG. In an aspect using “market price” as a parameter, brand E (market price: 12586 yen) and brand D (market price: 12183 yen) are selected as target brands (when two brands having the largest absolute value of market price are selected). . Further, in the aspect using the “average acquisition unit price” as the parameter, the brand C (average acquisition unit price: 3850 yen) and the brand B (average acquisition unit price: 4300 yen) are selected as target brands (the absolute value of the average acquisition unit price is Select the two smallest stocks). Note that such parameters can be stored in the database server 16.

In another embodiment, the calculation server 12 selects a predetermined number of brands whose identification information is newest (or oldest) from among brands in which at least one of realized gain and distribution is generated. Can also be selected. Referring to the example shown in FIG. 6, the brands on which at least one of realized gain, distribution, etc. is generated are brands A to E and G. For example, identification information of “00003”, “00502”, “01394”, “12356”, “22226”, and “82239” (information for uniquely specifying each brand) is assigned to these brands. Suppose that When the predetermined number is set to “2”, in the aspect in which the two newest brands are selected as the target brands, the brand G (82239) and the brand E (22226) are selected as the target brands, and the oldest 2 In a mode in which one brand is selected as the target brand, brand A (00003) and brand B (00502) are selected as the target brand. Such identification information can be stored in the database server 16.

The predetermined number described above need not always be fixed, and may be set or changed to an arbitrary number at an arbitrary timing, or information input to the trading server 10 by an operator or the user May be set or changed based on information input to the terminal device 30 and transmitted to the trading server 10.

In this example, the case where a predetermined number of issues with the largest absolute value of the total amount of realized gains and distributions is selected as the target issue, but the absolute value of only realized gains or only distributions etc. A predetermined number of brands having the largest value may be selected as the target brand.

Furthermore, the calculation server 12 can simultaneously select the brand selected as the specific brand as the target brand.

In addition, the calculation server 12 may select at least one brand selected at random as the target brand from among the brands in which at least one of the realized profit and the distribution money is generated.

Instead of or in addition to the method described above, the calculation server 12 follows the information input to the buying and selling server 10 by the operator among the brands in which at least one of the realized profit and the distribution money is generated. And / or at least one brand specified according to the information input to the terminal device 30 by the user and transmitted to the trading server 10 may be selected as the target brand. Thereby, at least one brand specified by the operator and / or the user can be selected as the target brand from among the brands in which at least one of the realized gain and the distribution money is generated.

(Selection of specific brands)
The calculation server 12 can select, as the specific brand, a predetermined number of brands having the largest (or smallest) absolute value (of the unrealized loss) among the brands in which the unrealized loss occurs. Referring to the example shown in FIG. 6, when the predetermined number is set to “2”, the brand B having the largest absolute value of unrealized loss (23529 yen) and the absolute value of unrealized loss ( The brand A having the second largest price (9240 yen) is selected as the specific brand. In addition, when the predetermined number is set to “3”, in addition to the brand B and the brand A, the brand C having the second largest absolute value of unrealized loss (5304 yen) is selected as the target brand. Is done.

Instead of this, the calculation server 12 selects, as the specific brand, a predetermined number of brands having the largest (or smallest) absolute value of the “other parameter” among the brands in which the unrealized loss has occurred. You can also The “other parameters” may include various parameters including, for example, “number of units”, “average acquisition unit price”, “market price”, and the like shown in FIG. In the mode using “market price” as a parameter, brand C (market price: 3694 yen) and brand B (market price: 4047 yen) are selected as target brands (when two brands having the smallest absolute value of market price are selected) ). Further, in the aspect using the “average acquisition unit price” as the parameter, the brand A (average acquisition unit price: 12100 yen) and the brand G (average acquisition unit price: 9000 yen) are selected as target brands (the absolute value of the average acquisition unit price is Select the two largest stocks). Note that such parameters can be stored in the database server 16.

In another embodiment, the calculation server 12 may select a predetermined number of brands having the newest (or oldest) identification information among the brands in which the unrealized loss occurs as the specific brand. Referring to the example shown in FIG. 6, brands A to C and G have an unrealized loss. It is assumed that identification information “00003”, “00502”, “01394”, and “82239” (information for uniquely specifying each brand) is assigned to these brands. When the predetermined number is set to “2”, in the aspect in which the two newest brands are selected as the target brands, the brand G (82239) and the brand C (01394) are selected as the target brands, and the oldest 2 In a mode in which one brand is selected as the target brand, brand A (00003) and brand B (00502) are selected as the target brand. Such identification information can be stored in the database server 16.

Furthermore, the calculation server 12 can simultaneously select the brand selected as the target brand as the specific brand.

In addition, the calculation server 12 may select, as the specific brand, at least one brand selected at random from the brands causing the unrealized loss.
Instead of or in addition to the method described in this way, the calculation server 12 determines whether the unrealized loss has occurred according to information input to the trading server 10 by the operator and / or by the user. You may select as a specific brand at least 1 brand specified according to information inputted into terminal unit 30 and transmitted to trade server 10. Thereby, at least one brand specified by the operator and / or the user can be selected as the specific brand from the brands in which the unrealized loss occurs.

5-2. About a specific example of calculation of the number of units to be traded for a specific issue (ST46) (specific example 1)
A specific example of calculating the number of units to be traded for each specific issue (for user A) performed in ST46 described above will be specifically described. Here, using the example shown in FIG. 6, as a preferred embodiment, a brand A (distribution money), which is a brand in which at least one of realized gain, distribution, etc. is generated from the brands A to G, “All” of Brand B (Distribution), Brand C (Realized Gain and Distribution), Brand D (Realized Gain and Distribution), Brand E (Distribution) and Brand G (Realized Gain and Distribution) is ST45. “All” of brand A, brand B, brand C and brand G, which are brands that have been selected as target brands and have unrealized losses from brands A to G, are selected as specific brands in ST45. The case will be described.

First, as a precondition, the following data is used for each user (the market unit price is common to all users).
Stock ID i (i∈I, I = {1, 2, 3,..., N})
Number of holdings Amount _i
Acquisition unit price AC _i
Market unit price MV _i
Realized gain / loss (for this year) RP _i
Cumulative distribution amount (for this year) DV _i
Unrealized gain / loss UP _i
ID ai of the alternative brand of the brand i (however, i is not included in the set I)
The alternative brands of the brand i will be described later in “6. Modifications”.

Steps 1 to 3 described below are executed by the calculation server 12.
(1) Step 1
The total amount of realized profit / loss (at least one of realized profit / loss and distribution, etc.) for all target brands of user A is calculated according to the following formula.

Here, 5100 (yen) is the distribution of the brand A, 4000 (yen) is the distribution of the brand B, 1500 (yen) is the realized gain of the brand C, 2700 (yen) is the distribution, and the brand D Realized gain of 800 (yen) and distribution of 300 (yen), distribution of stock E of 100 (yen), realized gain of brand G of 1100 (yen) and distribution of 1000 (yen) ) Is calculated as TRP = 16600 (yen) as the total of realized gains, distributions, etc. for all target brands.
(2) Step 2
Let U (U 特定 I) be the set of IDs of the selected specific brand. This set U includes IDs of brand A, brand B, brand C, and brand G.
(3) Step 3
The total unrealized loss for all specific issues is calculated according to the following formula:

In the example shown in FIG. 6, TUL = 39773 (circle).
In the present embodiment, when the user promises to sell and purchase the same issue on the same day, it is assumed that the purchase is made first and then the sale is made for tax purposes, and the transfer profit / loss for tax purposes is calculated. Assumption. Then, even if the entire number of issues with unrealized losses is purchased and sold, the amount that can be lost is up to half of the total unrealized losses (see paragraph 0044). Then, if half of the total unrealized loss (TUL / 2) is less than or equal to the realized gain to be offset, a transaction that realizes all unrealized losses, that is, maximum loss is performed. If this is not the case, the realized gain to be offset is allocated to the specific issue in proportion to the amount of the unrealized loss according to the following formula:

Thus, (Note target realized loss T _i is calculated for each particular brand, in the example shown in FIG. 6, the target realized loss T _i is described as "target realized loss (yen)" in FIG. 6 ). Therefore, the number X _{i of} each specific brand to be bought and sold is calculated according to the following formula.
X _i = Amount _i × T _i ÷ (−UP _i −T _i ) (1)
In this way, the number X _i to be bought and sold for each specific brand is calculated. Here, as described above, the brand A, the brand B, the brand C, and the brand G correspond to specific brands, and the number of units to be traded for these is 22, 67, 25, and 3, respectively.
If these specific issues are purchased (or sold) in the calculated number of units, and if these specified issues are sold (or purchased) in the same number of units as calculated, the amount of loss realized is: 16796 (yen). On the other hand, the total realized profit is 16600 (yen) as described above. In this way, the total amount of realized gains and distributions, etc., for all target issues selected in ST45 and the realized loss caused by selling the corresponding number of specific issues selected in ST45 are substantially equal. It is understood that it is offset by
Note that the following equation (2) can also be used when it is considered appropriate for taxation, such as when the account opened by the user A at WN, which is a financial product transaction company, is a general account.
X _i = T _i ÷ (AC _i −MV _i ) (2)

Further, when calculating the number X _i to be traded for each specific issue using the above formula (1) or the above formula (2), in another embodiment, instead of using T _i as it is, it may be used after performing a predetermined operation on T _i. For example, a predetermined position (1-position, 2, 10, any position, such as 100 in place) substituting those rounded to T _i (or rounded up or down) in the formula (1) or the formula (2) Substituting a value obtained by subtracting a predetermined numerical value from T _i into the above equation (1) or the above equation (2) and / or multiplying T _i by a predetermined coefficient (coefficient less than 1) Or can be substituted into the equation (1) or the above equation (2). Even in the case of using such a technique, finally, (as compared with the case where the T _i used as is tax savings although the effect is likely to fall there) user Jia, reduces still income tax owed be able to.

Next, how the equation (1) described above is derived will be briefly described.
First, the following are set as preconditions.
Target loss amount T yen (> 0)
Acquisition price of specific brands a yen Market price of specific brands b yen (<a)
Current number of units held n units Number of units purchased / sold X units (this is the value that should be obtained)

The acquisition price after purchase is determined by the following formula.
(An + bX) ÷ (n + X)
Realized loss on sale is determined by the following formula.
bX−X × ((an + bx) ÷ (n + X)) = − T
Rearranging both equations gives the following equation:
^{(N + X) bX-anX} -bX 2 = - (n + X) T
bnX-anX + TX = -nT
Solving this gives the following equation:
X = nT ÷ (an−bn−T)
Thereby, the above-described formula (1) is derived.

It is assumed that the target amount T is smaller than the amount of unrealized loss (= (ab) n yen). The closer the target amount is to the amount of unrealized loss (= (ab) n yen), the closer (an−bn−T) becomes to 0 and X becomes extremely large. In other words, in order to make a full loss, it is necessary to make the acquisition price after sale / purchase as close as possible to the current market price, and in order to do so, it is necessary to sell and purchase a very large number of units.
(Example) In order to lose 150,000 yen when there is an unrealized loss of 200,000 yen, it is necessary to buy and sell 3 times the current number of holdings, but this is not possible.
In order to limit the number of trading units X to the number n of holdings, first solve the following equation: X = nT + (an−bn−T) ≦ n
Thereby, the following expression is obtained.
T ≦ (an−bn) ÷ 2
Thus, it is understood that the loss can be up to half of the included loss.

(Specific example 2)
Next, using the example shown in FIG. 6, as another embodiment, among the issues in which at least one of realized gain and distribution etc. is generated from issues A to G, realized gain (1500 yen) Only the issue C is selected as the subject issue in ST45, and only the issue B that has an unrealized loss (23529 yen) among issues that have unrealized losses from issues A to G However, the case where it selects as a specific brand in ST45 is demonstrated.

First, in step 1 described above, TRP = 1500 (yen) is calculated as 1500 (yen) itself, which is the realized gain of the brand C, as the total of realized gains for all target brands.
Next, in step 2 described above, the set U includes only the ID of the brand B.
Further, in step 3 described above, the total amount of unrealized loss for all the specific issues is calculated as TUL = 23529 (yen).
Thereafter, the target realization loss T of the specific brand B is calculated as T = 1500 × (23529/23529) = 1500. Further, the number X of units to be sold for the specified brand B is calculated as X = 93 (number of units held) × 1500 ÷ (23529-1500) = 6.3 (for example, rounded down to 6) according to the above formula (1). The

In this example, when the specified brand B is sold with the calculated number of units 6 and then purchased with the same number of units 6 with which the specified brand B is calculated, the realized loss amount is 1426 (yen). . On the other hand, the total realized profit is 1500 (yen) as described above. In this way, the total realized profit for the target issue C selected in ST45 and the realized loss caused by selling the corresponding number of the specific issue B selected in ST45 are substantially offset. Is understood.

(Specific example 3)
Next, using the example shown in FIG. 6, as another embodiment, among the issues in which at least one of realized gains and distributions is generated from issues A to G, realized gain (1500 yen) Only brand C and brand G with realized gain (1000 yen) are selected as target brands in ST45, and brands A to G have unrealized losses. The case where only the brand A in which the unrealized loss (9240 yen) occurs and the brand B in which the unrealized loss (23529 yen) occurs are selected as specific brands in ST45 will be described.

First, in Step 1 described above, the total amount of realized gain of 1500 (yen) for the brand C and 1100 (yen) of the realized profit of the brand G is calculated as TRP = 2600 as the total realized profit for all the target brands. (Yen) is calculated.
Next, in step 2 described above, the set U includes only the IDs of the brand A and the brand B.
Further, in step 3 described above, the total amount of unrealized loss for all the specific issues is calculated as TUL = 32769 (yen).
Thereafter, the target realization loss T of the specific brand A is calculated as T = 2600 × (9240/32769) = 733.1319, and the target realization loss T of the specific brand B is T = 2600 × (23529/32769) = Calculated as 1866.868.
Furthermore, the number of units X to be sold for the specific issue A is X = 30 (number of units held) × 733.1319 ÷ (9240−733.1319) = 2.585 (for example, rounded down to 2 according to the above formula (1)). Calculated). Similarly, the number of units X to be sold for the specified issue B is X = 93 (number of units held) × 1866.6868 ÷ (23529−1866.868) = 8.014 (for example, rounded down to 8) Calculated).

In this example, if you sell the specified brand A in 2 units, sell the specified brand B in the calculated 8 units, then purchase the specified brand A in 2 units and purchase the specified brand B in 8 units. The amount of loss to be realized is 2442 (yen). On the other hand, the total realized profit is 2600 (yen) as described above. As described above, the total realized profit for the target brand C and the target brand G selected in ST45, and the realized loss caused by selling the corresponding number of the specific brand A and the specific brand B selected in ST45, Is understood to be substantially offset.

5-3. Details of the specific brand trading process (ST48) The specific brand trading process performed in ST48 described above (for user A) will be specifically described.

Calculation server 12, after executing the sale process for each specific brand (calculated in the ST46) number of units T _i sale within a predetermined time, the purchase processing of each particular brand purchased same number of units as the number of units Execute. The predetermined time here may be an arbitrary time such that the date when the sale process is executed and the date when the purchase process is executed are the same day.

Specifically, in the example illustrated in FIG. 6, when focusing on the specific brand A, the calculation server 12 executes the sale process of selling the specific brand A in 22 units, and then performs the specific brand A within a predetermined time. A purchase process for purchasing 22 units is executed. Specifically, as such sale processing and purchase processing, for example, the calculation server 12 stores information illustrated in FIG. 8 as transaction information in the database server 16, for example.

In FIG. 8, in the first line, “User A” identified by the customer ID “0001” sells the specific brand A to the WN company in 22 units, thereby obtaining 259424 yen (market price of 11792 × 22 units) from the WN company. ) Is recorded, and in the second line, “User A” also purchases 22 specific stocks A from WN, and pays 259424 yen to WN (market price 11792 × 22) Is recorded.
Although not shown in FIG. 8, the calculation server 12 records the same information on the database server 16 for other specific brands (that is, the specific brand B, the specific brand C, and the specific brand G).

In this embodiment, as is clear from the example shown in FIG. 8, the calculation server 12 buys and sells the specific brand A according to the partition transaction. That is, the calculation server 12 has a market price (for example, the closing price of the previous day) (a price agreed in advance or a price calculated according to a predetermined calculation method) at a predetermined time point “11792 (yen ) ", The specified brand A is purchased at" 11792 (yen) "which is the same price as the market price.

In the example illustrated in FIG. 8, the calculation server 12 sets the execution date related to the sale process of the specified issue A and the execution date related to the purchase process of the specified issue A to “the same day” (May 28, 2016). Set the delivery date related to the sale process of the specified issue A and the delivery date related to the purchase process of the specified issue A to “same day” (June 2, 2016), and execute the sale process and purchase process ing. However, the calculation server 12 sets the execution date related to the sale process of the specified issue A and the execution date related to the purchase process of the specified issue A to “different day” and / or related to the sale process of the specified issue A. The delivery process and the purchase process may be executed by setting the delivery date and the delivery date related to the purchase process of the specific brand A to “different day”. In other words, the calculation server 12 sets the execution date related to the sale process of the specified issue A and the execution date related to the purchase process of the specified issue A on the same day or different days, and / or relates to the sale process of the specified issue A. The delivery process and the purchase process may be executed by setting the delivery date and the delivery date related to the purchase process of the specific brand A on the same day or different days.

In the present embodiment, as an example, a case has been described in which all of the specific issues selected in ST45 are sold at the same time (on the same day) and then all of these specific issues are purchased again. In another embodiment, it is not necessary to sell all the specific brands at the same time (same day), and some of the specific brands may be sold at a different timing from the other specific brands. For example, in ST45, when brands A to D are selected as specific brands among the brands in which unrealized losses have occurred, brands at the first timing (for example, the first day or the first time [9 o'clock]). Sell only the corresponding quantity of A (and then purchase the same quantity of the stock A), then only the stock B at the second timing (for example, the second day or the second time [9:05]) Sell the corresponding quantity (and then purchase the same quantity of brand B), then sell only the corresponding quantity of brand C at the third time (for example, the third day or the third time [10:00]). (After that, the same amount of the stock C is purchased), and after the fourth timing (for example, the 4th day or the 4th time [12:00]), only the stock D is sold (the stock after the corresponding amount). Purchase the same quantity of D) Good. Alternatively, for example, at the first timing (for example, the first day or the first time), only the brand A and the brand B are sold by the corresponding quantities respectively (then, the brand A and the brand B are purchased by the same quantity). In addition, at the second timing (for example, the second day or the second time), only the brand C and the brand D may be sold in corresponding quantities (then, the brand C and the brand D may be purchased by the same quantity).

As a result of executing the above-described buying and selling process, the information regarding the assets of each user as illustrated in FIG. 6 needs to be updated. Specifically, the “average acquisition unit price (yen)” shown in FIG. 6 is no longer an accurate value. That is, for example, for the specific issue A, the “average acquisition unit price (yen)” is not “12100”, but “11970” (= It must be updated to (12100 × 30 + 11792 × 22) ÷ (30 + 22)). Such an update is executed in ST44 as described above.

The amount of income tax, etc. paid by a user for a certain transaction for a certain year is based on the total amount of realized gains and losses and distributions, etc., for that securities, or in addition to other income. , Decided. In the present embodiment, at least one brand is selected as a “target brand” from the brands in which realized gain and / or distribution etc. (at least one) are generated, and at least one brand is selected from the brands in which the unrealized loss occurs. Is selected as a “special issue” and the specified issue is traded based on (at least one of) realized gains and distributions, etc. for the subject issue, and unrealized loss and quantity held for the specified issue After calculating the power quantity (number of units) and executing the sale process of selling the specified brand in the quantity, the purchase process for purchasing the specified brand in the same amount as the quantity within a predetermined time is executed. As a result, a realization loss can be caused for the specific brand. As a result, at the time of final filing, the user shall set the amount of income tax, etc., that is the amount obtained by offsetting the realized loss that occurred for the specified issue from the total realized profit and the total distribution amount, etc. , You can reduce the income tax to be paid.

In addition, for users who conduct the above transactions through a specific account, after executing the sale process of selling the specified stock in the above-mentioned number of units, the purchase process of purchasing the same number of the same stock on the same day is executed. Even if the method (hereinafter referred to as “Method A” for convenience) is adopted, the current Japanese tax law assumes that the purchase is made first and then sold, and the realized profit or loss subject to taxation is It is supposed to be calculated.
However, if Japan's tax law is amended and Method A is implemented, it may be treated as if it was sold first and then purchased in the same way as the actual transaction. It is done. In addition, in the case of the user who uses a general account, the current Japanese tax law treats it as if it was sold first and then purchased in the same way as the transaction actually performed when Method A was adopted. Some users are also

6). Modification will be described Various modifications of the embodiments described above.
In the above-described embodiment, a case has been described in which the calculation server 12 performs the sale process and purchase process for a specific issue “on the same day”. However, in another embodiment, the calculation server 12 can execute the sale process and the purchase process on “another day” instead of “the same day” (for example, the purchase process on the day after the sale process). In this case, even under the current Japanese tax law, the user must calculate the realized loss for this specific issue at the time of final tax return from the total realized profit and the total amount of distributions etc. for at least one issue. It is allowed to offset. For example, if the calculation server 12 executes the sale process at 11:59 pm on June 9, Japan time and executes the purchase process at 0:01 am on June 10, Japan time, the Japan currently in effect According to national tax law, the user can offset the realized loss caused for the specific issue from the total realized profit and the total amount of distribution, etc. generated for at least one issue at the time of final tax return. In this example, only about two minutes have passed between the execution of the sale process and the execution of the purchase process, so in particular, in the case of a consignment transaction in which a specific stock is bought and sold at a contracted market price, that is, When selling a specified issue at the market price at the time of the sale process and purchasing the specified issue at the market price at the time of the purchase process, the specified issue is between the execution of the sale process and the purchase process. Since it is assumed that there is a low possibility that the market price will fluctuate significantly, there is a possibility that the price difference between the sale process and the purchase process can be minimized.

In the above embodiment, the case where the calculation server 12 buys and sells a specific brand according to the partition transaction has been described. However, the calculation server 12 may follow not only a partition transaction but also a consignment transaction when buying and selling a specific brand. As described above, a partition transaction is a market price (for example, the closing price of the previous day) at a predetermined point in time (or a price agreed in advance or a price calculated according to a predetermined calculation method). The transaction of the method of buying and selling securities is meant, and the consignment transaction means the transaction of buying and selling securities at the market price at the time of buying and selling.

Further, in the above embodiment, when calculating the number of units for which a specific issue should be bought and sold (ST46), the calculation server 12 assigns each issue held in the account opened by the user A to the financial product trader (WN company). We explained the case of using only those included in the account as realized gains and distributions. However, the calculation server 12 includes the realized gain (distribution etc.) generated for the brand by the transaction through the “other” financial institution as the realized gain (distribution etc.) for the certain brand. It is also possible to calculate the number of units to buy and sell a specific issue. That is, the calculation server 12 calculates the total realized profit / loss (distribution) from the total realized profit (total amount of distribution etc.) for at least one issue from the above-mentioned at least one issue by transactions through other financial institutions. It is also possible to calculate the number of units for which a specific issue should be traded. Thereby, the user A can optimize the income tax or the like that is more effectively taxed on the gain or loss of the transfer of the securities based on the contents of all the portfolios that the user A has. Here, the information on the realized profit (distribution etc.) generated for the brand by the transaction through such “other” financial institution is obtained by the user A at the terminal device 30 of the user A, for example, at ST40 (FIG. 5). The data may be input and stored in the database server 16 via the communication network 20 and the web server 14 and may be provided to the calculation server 12.

In one embodiment, when the target brand is determined (ST45), the calculation server 12 is a brand held in an account (first account) opened by the user A in a financial product dealer (WN company) and realized profit. And brands that generate at least one of distributions, etc., and brands held in the account (second account) opened by the user A in another financial institution, and at least one of realized profit and distributions etc. has occurred From the brands, at least one brand may be selected as the target brand. Even if the brands held in the second account are included in the target brands selected in this way, the calculation server 12 selects the target brands held in such a second account as the first account. The amount to be bought and sold for each specific brand can be calculated by treating the same brand as the target brand held in the above and performing the same process as described in ST46. For example, when the stock X selected in ST45 includes the stock X of the second account, in step 1 described in ST46, the realized profit / loss (realized gain / loss and distribution) for all the target stocks of user A The total amount (TRP) of at least one of the gold and the like includes the realized gain of the stock X of the second account and the distribution or the like (one or both of them).

In the above embodiment, a mode has been described in which the user terminal device 30 is provided with the securities trading service from the trading server 10 by accessing the web server 14 of the trading server 10. However, a function equivalent to that performed by each of the calculation server 12, the database server 16, and the securities server 18 included in the buying and selling server 10 by the user's terminal device 30 executing, for example, a predetermined application program installed therein. It is also possible to adopt a configuration configured to execute Thereby, the user can receive provision of the securities trading service without accessing the trading server 10 by using only the terminal device 30. In this case, the terminal device 30 needs to have a function equivalent to that illustrated in FIG. 4 (the storage unit 10, the calculation unit 120, and the sale processing unit 130).

In the above embodiment, when the trading process (ST48) for a specific brand is executed, as a most preferable example, after the calculation server 12 sells the calculated quantity (number of units) for a specific brand, The case where the same number of brands as the brand is purchased in the same quantity as described above has been described. However, in another embodiment, after the calculation server 12 sells the calculated quantity of a specific brand, the calculation server 12 purchases a brand different from the specific brand in the same quantity as the above quantity or a quantity different from the above quantity. You may make it do. Specifically, in the above-described embodiment, for example, when the calculation server 12 sells a quantity 2 of a brand K (a brand linked to the index S) whose price is 500 yen, the price is 500 yen thereafter. The same brand K is purchased in the same quantity 2 as the above quantity, but in another embodiment, after selling the quantity 2 of the brand K having a price of 500 yen, for example, another brand L having a price of 1000 yen ( (Stocks linked to index S) may be purchased in quantity 1. Brands M whose price is 250 yen (stocks linked to index S) may be purchased in quantity 4. Brands whose price is 500 yen. N (stocks linked to the index S) may be purchased in quantity 2.

Here, when purchasing a brand different from a specific brand, such brand is preferably a brand whose price movement approximates, such as being linked to the same stock price index as the particular brand to be sold. It doesn't have to be.

In the following, after the calculation server 12 sells the calculated quantity of a specific brand, a brand (substitute brand) different from the specific brand is purchased in a quantity equal to or different from the above quantity. Now, how to calculate the quantity of alternative brands to be purchased will be described.

The preconditions used in “5-1. Details of Calculation of Number of Units to Buy / Sell Specific Brand (ST46)” are applied as they are.
First, steps 1 to 3 described above are executed. Thereafter, a new step (4) described below is executed.
The database server 16 stores at least one alternative brand ai of the brand i in association with each brand i. The alternative stock ai may be determined so that the characteristics of the user's portfolio do not change significantly when the specific stock i is sold and the alternative stock ai is purchased. For example, the alternative brand ai may be a brand whose price movement approximates, such as being linked to the same stock price index as the corresponding specific brand i.
The calculation server 12 selects any alternative brand ai from at least one alternative brand stored in association with the specific brand i to be sold. Furthermore, the calculation server 12 can calculate the quantity Y _i to purchase the alternative brand a _i according to the following equation.
Y _i = X _i × MV _i ÷ MV _ai
As a result, in ST48, the calculation server 12 executes a sale process of selling the specific brand i for the quantity X _i and then executes a purchase process for purchasing the alternative brand a _i for the quantity Y _i .

In the various embodiments described above, as a most preferable form, the calculation server 12 makes the specific brand (substitute brand) so that the price of the specific brand to be sold and the price of the specific brand (or alternative brand) to be purchased are the same. ) Was explained. However, the price of the specific brand to be sold and the price of the specific brand (or alternative brand) to be purchased are not necessarily completely the same. It is most preferable that the sale price when a certain amount of a specific brand is sold and the purchase price when a certain amount (or alternative brand) is purchased are the same, (1) The various formulas available in the embodiment include formulas that cannot be divided because they include division, and (2) the price of the specific issue to be sold and the specific issue (or alternative issue) to be purchased. Due to various factors including the price is not necessarily the same amount, the sale price when a certain amount of a certain issue is sold and the purchase when a certain amount (or alternative) is purchased. The forehead may not be the same. Even in such a case, it is clear that the income tax that should be paid can be reduced without significantly changing the portfolio characteristics. Therefore, the invention disclosed in the present application purchased a certain amount of sale of a certain issue and a certain issue (or alternative issue) as long as the income tax to be paid can be reduced. This includes not only the case where the purchase amount at the time is the same, but also the case where the purchase amount is almost the same.

Furthermore, the various embodiments described above can be used in combination with each other as long as no contradiction occurs.

The processes and procedures described in this specification can be realized not only by those explicitly described in the embodiment but also by software, hardware, or a combination thereof. Specifically, the processes and procedures described in this specification are realized by mounting logic corresponding to the processes on a medium such as an integrated circuit, a volatile memory, a nonvolatile memory, a magnetic disk, or an optical storage. Is done. Further, the processes and procedures described in this specification can be implemented as a computer program and executed by various computers.

Even though the processes and procedures described herein are described as being performed by a single device, software, component, or module, such processes or procedures may include multiple devices, multiple software, It may be executed by multiple components and / or multiple modules. Further, even if it is described that the data, table, or database described in this specification is stored in a single memory, such data, table, or database may be stored in a single device. Or a plurality of memories arranged in a distributed manner in a plurality of devices. Further, the software and hardware elements described herein may be realized by integrating them into fewer components or by disassembling them into more components.

This international application consists of Japanese Patent Application No. 2016-123611 filed on June 22, 2016 with the name of the invention as “device for performing trading of securities” and the name of the invention as “Buying and Selling Securities”. Claiming priority under the Paris Convention based on Japanese Patent Application No. 2016-246466 filed on Dec. 20, 2016 as "Apparatus for Implementing". The entire disclosures of these Japanese applications are incorporated herein by reference.

DESCRIPTION OF SYMBOLS 1 Trading system 10 Trading server 12 Calculation server 14 Web server 16 Database server 17 Securities server 20 Communication network 30 Terminal device 110 Storage part 112 Selection part 120 Calculation part 130 Trading process part

Claims

For a given user, at least the realized gain, interest / distribution / dividend and unrealized loss for a specific year are stored in association with each stock held in an account opened by the given user at a certain financial institution Storage means for
For the given user, the quantity to be bought or sold for a specific issue that has an unrealized loss based on at least one of the total realized profit and the total amount of interest, distribution and dividends for at least one issue Calculating means for calculating
For the predetermined user, after executing a selling process for selling the quantity of the specific brand, within a predetermined time, buying and selling processing means for executing a purchase process for purchasing the specific brand in the same quantity as the quantity;
A server device comprising:
The calculating means is based on at least one of the total realized profit and the total amount of interest / distribution / dividend in a specific year for all issues held by the predetermined user in the predetermined account. The server device according to claim 1, wherein the server device calculates a quantity to be bought and sold for a specific brand in which a realization loss has occurred.
The calculation means is configured to determine a quantity to be bought and sold for the specific brand based on a ratio of the unrealized loss of the specific brand to the total unrealized loss for all the specific brands held by the predetermined user in the predetermined account. The server device according to claim 1, which calculates.
2. The server according to claim 1, wherein the calculation unit calculates a quantity to be bought and sold for the specific issue by adding or subtracting a total realized profit or loss generated by a transaction through another financial institution from the total realized profit. apparatus.
The calculation means should buy and sell the specified stock by adding or subtracting the total amount of interest, distribution and dividends generated by transactions through other financial institutions from the total amount of interest, distribution and dividends. The server apparatus according to claim 1, wherein the quantity is calculated.
2. The server according to claim 1, wherein the sale processing unit sets the execution date related to the sale process and the execution date related to the purchase process to the same day or different days, and executes the sale process and the purchase process. apparatus.
2. The server according to claim 1, wherein the sale processing unit sets the delivery date related to the sale process and the delivery date related to the purchase process to the same day or different days, and executes the sale process and the purchase process. apparatus.
The buying and selling processing means sells the specific brand in the selling process at a price agreed in advance, a price calculated according to a predetermined calculation method, or a market price at a predetermined time, and the specific processing in the purchasing process. The server apparatus according to claim 1, wherein the brand is purchased at the same price as the price.
The said buying and selling processing means sells the specific brand at the market price at the time of the sale process in the sale process, and purchases the specific brand at the market price at the time of the purchase process in the purchase process. Server device.
The buying and selling processing means sells the purchase process and the sale process every day, every week, every month, every quarter, every other fixed period, when a distribution amount for at least one brand is updated, at least one brand is sold. Input by the operator of the server device via a user interface provided in the server device, when a rebalancing process is executed, when a predetermined signal is received from the terminal device of the predetermined user, The server device according to claim 1, wherein the server device is executed at a timing of at least one of the time points when the predetermined signal is detected.
A trading method executed by a computer,
For a given user, at least the realized gain, interest / distribution / dividend and unrealized loss for a specific year are stored in association with each stock held in an account opened by the given user at a certain financial institution And the stage of
For the given user, the quantity to be bought or sold for a specific issue that has an unrealized loss based on at least one of the total realized profit and the total amount of interest, distribution and dividends for at least one issue Calculating
For the predetermined user, after executing a selling process for selling the quantity of the specific brand, in a predetermined time, executing a purchase process for purchasing the specific brand in the same quantity as the quantity;
The buying and selling method characterized by including.
For a given user, at least the realized gain, interest / distribution / dividend and unrealized loss for a specific year are stored in association with each stock held in an account opened by the given user at a certain financial institution Storage means for
For the predetermined user, at least one brand is selected as a target brand from the brands in which at least one of realized gain and interest, distribution, dividends is generated, and at least one of the brands in which an unrealized loss occurs A selection means for selecting one stock as a specific stock,
For the given user, at least one of the total realized profit and the total amount of interest / distribution / dividend for each target brand, unrealized loss and quantity held for each specific brand, and all specific brands A calculating means for calculating a quantity to be bought and sold for each specific issue based on the total unrealized loss for
For the predetermined user, after executing the selling process for selling the quantity of each specific brand, within a predetermined time, buy and sell processing means for executing a purchase process for purchasing the same quantity as the quantity,
A server device comprising:
The selection means selects, as the target brand, a predetermined number of brands having the largest absolute value among the brands in which at least one of realized profit and interest, distribution, dividend is generated. The server apparatus of description.
The server device according to claim 12, wherein the selection means selects a predetermined number of brands having the largest absolute value among brands having unrealized losses as the specific brand.
13. The server device according to claim 12, wherein the selection means selects, as the target brand, all brands in which at least one of realized gain and interest / distribution / dividend is generated.
The server device according to claim 12, wherein the selection unit selects all brands having unrealized losses as the specific brand.
The calculation means calculates the quantity to be bought and sold for each specific issue based on a ratio of the unrealized loss for each specific issue to the total unrealized loss for all of the specific issues. The server apparatus of description.
The server according to claim 12, wherein the calculation means calculates the quantity to be bought and sold for each specific issue by adding or subtracting the total amount of realized gains and losses generated by transactions through other financial institutions from the total amount of realized gains. apparatus.
The calculation means should buy and sell each specific issue by adding or subtracting the total amount of interest, distribution and dividends generated by transactions through other financial institutions from the total amount of interest, distribution and dividends. The server device according to claim 12, which calculates a quantity.
The server according to claim 12, wherein the sale processing unit sets the execution date related to the sale process and the execution date related to the purchase process to the same day or different days, and executes the sale process and the purchase process. apparatus.
The server according to claim 12, wherein the sales processing means sets the delivery date related to the sale processing and the delivery date related to the purchase processing to the same day or different dates, and executes the sale processing and the purchase processing. apparatus.
The buying and selling processing means sells each specified issue at the sale process at a price agreed in advance, a price calculated according to a predetermined calculation method, or a market price at a predetermined time, and The server apparatus according to claim 12, wherein a brand is purchased at the same price as the price.
13. The sales processing unit according to claim 12, wherein each of the specific brands is sold at a market price at the time of the sale process in the sale process, and each of the specific brands is purchased at a market price at the time of the purchase process in the purchase process. Server device.
The buying and selling processing means sells the purchase process and the sale process every day, every week, every month, every quarter, every other fixed period, when a distribution amount for at least one brand is updated, at least one brand is sold. Input by the operator of the server device via a user interface provided in the server device, when a rebalancing process is executed, when a predetermined signal is received from the terminal device of the predetermined user, The server device according to claim 12, wherein the server device is executed at a timing of at least one of the time points when the predetermined signal is detected.
A trading method executed by a computer,
For a given user, at least the realized gain, interest / distribution / dividend and unrealized loss for a specific year are stored in association with each stock held in an account opened by the given user at a certain financial institution And the stage of
For the predetermined user, at least one brand is selected as a target brand from the brands in which at least one of realized gain and interest, distribution, dividends is generated, and at least one of the brands in which an unrealized loss occurs Selecting one stock as a specific stock,
For the given user, at least one of the total realized profit and the total amount of interest / distribution / dividend for each target brand, unrealized loss and quantity held for each specific brand, and all specific brands Calculating a quantity to be bought and sold for each specific issue based on the total unrealized loss for
For the predetermined user, after performing a sale process for selling the specific brands in the quantity, performing a purchase process for purchasing each specific brand in the same amount as the quantity within a predetermined time;
The buying and selling method characterized by including.