Information generation device, information generation system, and information generation program

Abstract

To provide evaluation regarding buying and selling data of an investment commodity.SOLUTION: A server (3) which generates information regarding transaction of investment commodity includes: an acquisition unit which acquires transaction data of an investment commodity; a calculation unit which calculates transaction profit and loss and latent profit and loss from the acquired transaction data; and an information generation unit (321) which generates, after classifying the transaction data into types according to combinations of each of the calculated evaluation indexes, information regarding diagnosis for each of the types.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an information generating device, an information presentation system, and an information generating program. [Background technology]

[0002] Conventionally, a system for advising individual investors has been known. For example, Patent Document 1 discloses financial investment management, portfolio management, and educational and analytical tools for members via an Internet site. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2003-531444 (published October 21, 2003, international publication October 25, 2001) Summary of the Invention [Problem to be solved by the invention]

[0004] While there are tools that can evaluate and diagnose static portfolios and stocks, there are currently no tools that can obtain an investor's trading data, evaluate and diagnose dynamically changing trading data based on that investor's trading data, compare it with others, and provide advice.

[0005] Although buying and selling is a major factor in investor disparities, the current situation is that there are no services that evaluate, diagnose, compare, or advise on it.

[0006] In the past, salesmen at securities companies would use the trading data of individual investors as a free service to compare them with other customers, grasp their current situation, and make suggestions for improvement. However, with the recent spread of securities trading via the Internet, the functions of securities companies that have trading data, such as suggestions, diagnosis, and comparison with others, have been lost, especially in online securities companies, and the above problems seem to have become even more pronounced.

[0007] It is no longer possible to compare or understand the current situation to see whether the buying and selling is correct, and the advice function has been lost, resulting in a widening investment gap between individual investors and encouraging speculative buying and selling. The current situation is not moving in the direction of investment. Investors no longer know what kind of buying and selling they should be doing, and this is causing confusion.

[0008] One aspect of the present invention is It will be possible to provide more appropriate information based on evaluation indicators obtained from users' trading data. The purpose of this document is to: [Means for solving the problem]

[0009] In order to solve the above problem, an information generating device according to one aspect of the present invention includes: An information generating device that generates information regarding the buying and selling of investment products includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates an evaluation index from the acquired user buying and selling data, and an information generating unit that classifies the user's buying and selling status into types according to the combination of the calculated evaluation indexes and generates an explanation of the type for the user's buying and selling status.

[0010] In addition, an information generating device according to one embodiment of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates an evaluation index from the acquired user buying and selling data, and an information generating unit that classifies the user's buying and selling status into types corresponding to the combination of the calculated evaluation indexes, diagnoses the user's buying and selling status, and generates information regarding the diagnosis.

[0011] Furthermore, an information generating device according to an aspect of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates an evaluation index from the acquired user buying and selling data, and an information generating unit that classifies users who have bought and sold the investment products into types according to the combination of the calculated evaluation indexes, and generates information regarding diagnosis for each type.

[0012] In addition, an information generating device according to one embodiment of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates an evaluation index regarding buying and selling profits and losses and an evaluation index regarding unrealized profits and losses from the acquired user buying and selling data, and an information generating unit that classifies users who have bought and sold the investment products into types according to the combination of the calculated evaluation indexes, and generates information regarding diagnoses for each type.

[0013] Furthermore, an information generating device according to an aspect of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates an evaluation index related to the number of times a traded stock is bought and sold and an evaluation index related to the average holding period of the traded stock from the acquired user buying and selling data, and an information generating unit that classifies users who have bought and sold the investment products into types according to the combination of the calculated evaluation indexes, and generates information regarding diagnosis for each type.

[0014] In the information generating device according to an aspect of the present invention, one of the evaluation indexes included in the combination of evaluation indexes may be a cash ratio.

[0015] In the information generating device according to an aspect of the present invention, one of the evaluation indexes included in the combination of evaluation indexes may be an average holding period for traded issues.

[0016] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may classify the buying and selling situation into types according to combinations of the evaluation indexes including turnover and winning profit rate.

[0017] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may classify the trading situation into a type according to a combination of the evaluation indexes further including the number of days for principal turnover and a loss rate.

[0018] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may classify the buying and selling situation into a type according to a combination of the evaluation indexes further including a rotational force diagnosis and a winning pattern analysis weight.

[0019] In the information generating device according to an aspect of the present invention, the information generating section may compare and rank the classified types with respect to each of the evaluation indexes.

[0020] In the information generating device according to an aspect of the present invention, the information generating section may compare and rank the evaluation indexes for each classified type.

[0021] In addition, an information generation system according to one aspect of the present invention is an information generation system including an information generation device described in each of the above aspects and a terminal device, and the terminal device may be configured to display information generated by the information generation device on the terminal device itself.

[0022] Furthermore, an information generation program according to one aspect of the present invention may be an information generation program for causing a computer to function as the information generation device described in each of the above aspects, and may be configured to cause a computer to function as the above-mentioned information generation unit. Effect of the Invention

[0023] According to one aspect of the present invention, To provide more appropriate information according to evaluation indicators obtained from users' trading data. can be done. [Brief description of the drawings]

[0024] [Figure 1] 1 is a diagram illustrating a hardware configuration of an advice presentation system according to a first embodiment of the present invention. [Diagram 2] 1 is a block diagram showing the configurations of a terminal and a server according to a first embodiment of the present invention. [Diagram 3] FIG. 1 is a diagram illustrating an outline of a process performed by an advice presentation system according to a first embodiment of the present invention. [Figure 4] FIG. 2A is a diagram showing an example of trading data of an investment product according to the first embodiment of the present invention, and FIG. 2B is a diagram showing an example of an evaluation index of the trading data according to the first embodiment of the present invention. [Diagram 5] 4 is a flowchart showing a diagnosis process based on a principal turnover period according to the first embodiment of the present invention. [Figure 6] 1 is a flowchart showing a diagnosis process based on a winning return rate according to the first embodiment of the present invention. [Figure 7] 1 is a flowchart showing a diagnosis process based on a loss rate according to the first embodiment of the present invention. [Figure 8] 4 is a flowchart showing a diagnostic process based on trading profit and loss according to the first embodiment of the present invention. [Figure 9] 4 is a flowchart showing a classification process of buying and selling patterns according to the first embodiment of the present invention. [Figure 10] 1 is a flowchart showing a diagnostic process based on the rate of change of held stocks in accordance with embodiment 1 of the present invention. [Figure 11] 1 is a flowchart showing a ranking process based on principal increase / decrease rate according to the first embodiment of the present invention. [Figure 12] 4 is a flowchart showing a process of an overall profit and loss analysis according to the first embodiment of the present invention. [Figure 13] FIG. 13 is a diagram showing examples of evaluation values ​​of total profit / loss, trading profit / loss, and unrealized profit / loss according to the level of detail according to the first embodiment of the present invention. [Figure 14] FIG. 2 is a diagram showing an example of evaluation indexes for owned products according to the first embodiment of the present invention. [Figure 15] FIG. 2 is a diagram showing an example of a pattern of owned merchandise according to the first embodiment of the present invention. [Figure 16] FIG. 11 is a diagram showing an example of an initial screen of a stock investment simulation according to the second embodiment of the present invention. [Figure 17] FIG. 11 is a diagram showing an example of a question screen for a stock investment simulation according to the second embodiment of the present invention. [Figure 18] FIG. 11 is a diagram showing the transition of stock prices in a stock investment simulation according to the second embodiment of the present invention. [Figure 19] FIG. 13 is a diagram showing the progress of the valuation amount for each branch of each question in the stock investment simulation according to the embodiment 2 of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0025] [Embodiment 1] Hereinafter, the first embodiment of the present invention will be described in detail. Note that the diagnosis results, advice, and other contents shown below are merely examples and do not limit the present invention.

[0026] (Advice presentation system 1) An advice presentation system (information presentation system) 1 according to this embodiment will be described with reference to the drawings. Fig. 1 is a diagram showing a hardware configuration of the advice presentation system 1 according to this embodiment. As shown in Fig. 1, the advice presentation system 1 includes a terminal (terminal device) 2 and a server (information generating device) 3. The terminal 2 and the server 3 are configured to be able to communicate with each other via a network 4.

[0027] The terminal 2 acquires trading data by user operation, reading from a recording medium, etc., and displays advice according to the trading data, and is, for example, a PC, a tablet terminal, a smartphone, etc. The server 3 generates advice regarding the buying and selling of investment products. The network 4 is a network including the Internet. The investment products include stocks (including Japanese stocks and foreign stocks), investment trusts, exchange-traded funds (ETFs), foreign exchange margin trading (FX), etc.

[0028] FIG. 2 is a block diagram showing the configuration of the terminal 2 and the server 3 according to this embodiment.

[0029] (Terminal 2) 2, the terminal 2 includes a communication unit 21, a control unit 22, a display unit 23, and an operation reception unit 24. The communication unit 21 is a unit that communicates with the server 3. The control unit 22 controls the entire terminal 2, and is, for example, one or more processors. The display unit 23 displays data in response to instructions from the control unit 22, and is, for example, a liquid crystal display. The operation reception unit 24 receives user operations, and is, for example, a keyboard, a mouse, a touch panel, etc.

[0030] (Server 3) 2, the server 3 includes a communication unit 31, a control unit 32, and a storage unit 33. The communication unit 31 is a part that communicates with the terminal 2. The control unit 32 controls the entire server 3, and is, for example, one or more processors. The storage unit 33 stores data according to instructions from the control unit 22, and is, for example, a hard disk device, a flash memory, or the like.

[0031] The control unit 32 includes an advice generating unit (information generating unit) 321. The advice generating unit 321 acquires trading data of investment products, acquires basic data from the acquired trading data, calculates an evaluation index by referring to the acquired basic data, and generates information indicating the calculated evaluation index. Next, the advice generating unit 321 performs a diagnosis by referring to the evaluation index, and generates information indicating a result of the diagnosis. Then, the advice generating unit 321 generates information indicating advice according to the result of the diagnosis.

[0032] Here, evaluation refers to calculating and evaluating each indicator from trading data, diagnosis refers to diagnosing what kind of trading has been done based on those indicators, and advice refers to giving advice based on the evaluation and diagnosis results. However, the processes of evaluation, diagnosis, and advice are not essential and may be provided separately.

[0033] Furthermore, the advice generating unit 321 may obtain a total profit and loss from the buying and selling data, calculate an evaluation index by referring to the total profit and loss, and generate information indicating the calculated evaluation index. Next, the advice generating unit 321 may obtain a total buying and selling profit and loss and a total unrealized profit and loss from the buying and selling data, calculate an evaluation index by referring to the total buying and selling profit and loss and the total unrealized profit and loss, and generate information indicating the calculated evaluation index. Then, the advice generating unit 321 may obtain a total winning profit, a total losing loss, and a total unrealized profit and loss from the buying and selling data, calculate an evaluation index by referring to the total winning profit, the total losing loss, and the total unrealized profit and loss, and generate information indicating the calculated evaluation index.

[0034] Furthermore, the advice generating unit 321 may obtain the traded data from the trading data, classify the traded data into patterns according to the purchase price, the sale price, and the market value after the sale, calculate the total profit and loss for each pattern, calculate an evaluation index by referring to the total profit and loss for each pattern, and generate information indicating the calculated evaluation index. The market value after the sale indicates the market value after a certain period of time after the sale, and includes, for example, the market value three months after the sale, the market value one year later, the market value at the time of evaluation, etc. The terminal 2 presents the information generated by the advice generating unit 321 to the user.

[0035] The advice generating unit 321 may also calculate an evaluation index by referring to trading data, compare and rank investors by referring to the calculated evaluation index, and generate information indicating the comparison and ranking of the investors as an evaluation index. The comparison here refers to comparing the evaluation index of the investor with the evaluation index of other investors, the average value of the evaluation index, etc.

[0036] (Processing overview of advice presentation system 1) 3 is a diagram showing an outline of the processing performed by the advice presentation system 1 according to this embodiment. The outline of the processing performed by the advice presentation system 1 will be described with reference to FIG.

[0037] (Step S301) In the terminal 2, the control unit 22 acquires trading data of investment products from the operation reception unit 24 and the like, and transmits the trading data to the server 3 via the communication unit 21. Details of the trading data will be described separately.

[0038] (Step S302) In the server 3, the control unit 32 receives trading data from the terminal 2 via the communication unit 31. The advice generation unit 321 calculates an evaluation index from the trading data. The control unit 32 transmits the calculated evaluation index as an evaluation result to the terminal 2 via the communication unit 31. Details of the evaluation index will be described separately.

[0039] (Step S303) In the terminal 2, the control unit 22 receives the evaluation result from the server 3 via the communication unit 21, and causes the display unit 23 to display the evaluation result.

[0040] (Step S304) In the server 3, the advice generating unit 321 diagnoses the user's buying and selling tendency from the evaluation index calculated in step S302. The control unit 32 transmits the diagnosed buying and selling tendency to the terminal 2 as a diagnosis result via the communication unit 31.

[0041] (Step S305) In the terminal 2, the control unit 22 receives the diagnosis result from the server 3 via the communication unit 21, and causes the display unit 23 to display the diagnosis result.

[0042] (Step S306) In the server 3, the advice generation unit 321 compares and ranks investors based on the evaluation index calculated in step S302. The control unit 32 transmits the comparison data and ranking data of the investors to the terminal 2 via the communication unit 31.

[0043] (Step S307) In the terminal 2, the control unit 22 receives the comparison data and ranking data of the investor from the server 3 via the communication unit 21, and causes the display unit 23 to display the comparison and ranking of the investor.

[0044] (Step S308) In the server 3, the advice generation unit 321 generates advice regarding the buying and selling of investment products by referring to the buying and selling data of the investment products, the evaluation index, the buying and selling tendencies of users, the comparison data of investors, the ranking data, etc. The control unit 32 transmits the generated advice to the terminal 2 via the communication unit 31.

[0045] (Step S309) In the terminal 2, the control unit 22 receives advice regarding buying and selling of investment products from the server 3 via the communication unit 21, and causes the display unit 23 to display the advice.

[0046] In addition, the calculation of the evaluation index and the storage in the DB, which are performed by referring to the trading data to be evaluated, and the creation of the diagnostic data and the storage in the DB, are performed by, for example, batch processing in the server 3. The DB is set in, for example, the storage unit 33 of the server 3.

[0047] (Example of trading data) FIG. 4(a) is a diagram showing an example of buying and selling data of an investment product according to this embodiment. The following explanation will be given using stocks as an example of an investment product. As shown in FIG. 4(a), the buying and selling data includes the stock code, the number of shares purchased, the purchase date, and the purchase price. The sold data further includes the sale date and the selling price. Furthermore, in the case of entering with a sell (for example, in the case of conducting a margin transaction, etc.), the buying and selling data includes the stock code, the number of shares sold, the sale date, and the selling price. The repurchased data further includes the repurchase date and the repurchase price.

[0048] The stock code is a code that identifies the stock being traded. The number of shares purchased is the number of shares purchased by the user. The purchase date is the date on which the user purchased the stock. The purchase price is the stock price when the user purchased the stock. The sale date is the date on which the user sold the stock. The sale price is the stock price when the user sold the stock.

[0049] (Examples of evaluation indicators) Fig. 4(b) is a diagram showing an example of evaluation indexes for trading data according to this embodiment. The following explanation will be given using stocks as an example of an investment product. As shown in Fig. 4(b), the evaluation indexes are calculated on multiple evaluation axes. Examples of evaluation indexes include turnover, profit margin, loss margin, trading profit and loss, rate of increase or decrease of held stocks, rate of increase or decrease of principal, etc.

[0050] The basic figures described below refer to figures obtained from trading data such as the principal, elapsed time, and number of transactions. Evaluation indicators refer to indicators calculated from these basic figures, etc. Evaluation axes refer to angles for evaluating trading data, and consist of one or more evaluation indicators.

[0051] As an example of an evaluation axis, the turnover power is an example of an evaluation axis that indicates how fast a user turns over the principal, in other words, how frequently the user changes stocks. Indicators related to turnover power include the average holding period, the number of principal turnovers, the principal turnover period, and the average trading period difference. The turnover power indicator is an indicator for evaluating, comparing, diagnosing, and providing advice on how frequently a user trades.

[0052] The average holding period is the average holding period of traded stocks. The principal turnover number is an indicator of the number of times the principal turns over in a specified period, and is calculated by "trading amount in a specified period ÷ principal". The principal turnover period is the average period for one turnover of the principal, and is calculated by "number of days in a specified period ÷ principal turnover number". The average trading period difference is calculated by "average trading period when the stock is winning - average trading period when the stock is losing".

[0053] Winning profitability, which is an example of an evaluation axis, is an example of an evaluation axis that indicates the profitability in the case of a win, and is calculated from the winning data that is obtained by classifying already traded data, by "profit amount per win ÷ trading amount per win." Profit amount per win is calculated by "total profit amount ÷ number of wins." Trading amount per win is calculated by "total trading amount in the case of a win ÷ number of wins." Winning profitability is an example of an evaluation axis for evaluating, comparing, and diagnosing winning patterns, and giving advice on how to win even more.

[0054] The loss rate, which is an example of an evaluation axis, is an example of an evaluation axis that indicates the loss rate in the case of a loss, and is calculated from loss data obtained by classifying already traded data by "loss amount per loss ÷ trading amount per loss." The loss amount per loss is calculated by "total loss amount ÷ number of losses." The trading amount per loss is calculated by "total trading amount in the case of a loss ÷ number of losses." The loss rate is an example of an evaluation axis for evaluating, comparing, and diagnosing loss patterns, and giving advice on how to reduce losses from the current situation.

[0055] The profit and loss on a sale, which is an example of an evaluation axis, is an example of an evaluation axis that indicates the overall profit and loss on a sale or purchase product in a specified period of time. "Profit and Loss from Trading = Winning rate x trading amount if winning x winning profit rate / number of wins × Principal × (Number of days elapsed ÷ Number of days for turning over the principal) / Trading amount per transaction + (1-win rate) x trading amount when losing x loss rate / number of losses It is calculated as follows: "(number of days elapsed ÷ number of days for turning over the principal) / (sales amount per transaction)".

[0056] Trading profit and loss is an evaluation axis of trading data, including both wins and losses, and is an example of an axis for evaluating where problems lie in trading and where there are advantages. Trading profit and loss is an example of an evaluation axis for extracting problems, evaluating, comparing, and diagnosing, and for advising on how to improve trading. The total profit and loss is calculated as "Total profit and loss = Trading profit and loss + Unrealized profit and loss."

[0057] The rate of change in a stock held, which is an example of an evaluation axis, is an example of an evaluation axis calculated by "profit and loss of all held stocks ÷ holding amount." The profit and loss of all held stocks is the sum of "(current price - purchase price) x number of shares purchased" of the held stock. The holding amount is the sum of "purchase price x number of shares purchased" of the held stock. The rate of change in a stock held is an example of an evaluation axis for evaluating, comparing, diagnosing, and analyzing data on stocks that have been purchased but not yet sold, and is an example of an evaluation axis for giving advice regarding the state of continuing to hold stocks after purchasing them without selling them.

[0058] The rate of increase or decrease in principal, which is an example of an evaluation axis, is calculated by "total profit / loss ÷ principal" and "(profit / loss on trading + total profit / loss on holdings) ÷ principal ÷ elapsed time (years)." The rate of increase or decrease in principal is an example of an evaluation axis for making a comprehensive evaluation, and for evaluating, comparing, diagnosing, and advising, taking into account both the trading situation and the holding situation.

[0059] (Details of diagnostic process) 5 to 11 are flowcharts showing the diagnostic process of the advice generating unit 321 in the server 3 according to this embodiment. Fig. 5 shows the diagnostic process based on the capital turnover period.

[0060] (Step S501) The advice generating unit 321 judges whether the principal turnover period is within one week. If the principal turnover period is within one week (YES in step S501), the advice generating unit 321 executes the process of step S502. If the principal turnover period is longer than one week (NO in step S501), the advice generating unit 321 executes the process of step S503.

[0061] (Step S502) The advice generating unit 321 determines the buying and selling tendency of the user as follows: Information about your buying and selling habits Information about the reasons for your buying and selling habits Information about social aspects of our users' buying and selling habits Information to improve your buying and selling habits (The same applies to steps S504, S506, and S507).

[0062] As an example, the advice generating unit 321 performs the following evaluation, comparison, diagnosis, and advice on the evaluation axis of turnover power as the user's trading tendency: "Frequent trading similar to day trading and scalping. Since the principal turns over once within one week, stocks are frequently changed. There is a tendency to emphasize technical and win rates, and the profit rate per trade, both winning and losing, tends to be low. It is important to look at other indicators such as the winning profit rate. As an improvement suggestion, if the average trading period difference is negative or close to 0, we recommend extending the average winning trading period."

[0063] (Step S503) The advice generating unit 321 judges whether the principal turnover period is longer than one week and within one month. If the principal turnover period is longer than one week and within one month (YES in step S503), the advice generating unit 321 executes the process of step S504. If the principal turnover period is longer than one month (NO in step S503), the advice generating unit 321 executes the process of step S505.

[0064] (Step S504) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency with the following: "Since one rotation occurs within one month, stocks are changed more than 10 times in a year. This falls into the category of swing trading, but since this is a broad concept, it is further subdivided depending on the average trading period and the amount of money spent per transaction. However, in general, this is a style that emphasizes technicals and is based on material stocks, and involves buying and selling stocks that are moving. In order to increase assets with this type, the difference between the win rate, winning profit rate, and losing loss rate is first important. Please refer to evaluation axes such as winning profit rate, losing loss rate, and overall profit rate."

[0065] (Step S505) The advice generating unit 321 judges whether the principal turnover period is longer than one month and within six months. If the principal turnover period is longer than one week and within one month (YES in step S505), the advice generating unit 321 executes the process of step S506. If the principal turnover period is longer than six months (NO in step S505), the advice generating unit 321 executes the process of step S507.

[0066] (Step S506) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency with "a trading frequency where stocks are changed several times a year. If "average trading period when winning - average trading period when losing" is a large plus, it is highly likely that assets have been formed. Naturally, it is determined by the balance with other evaluation axes, but the trading frequency is at a level where trading can be done at a relaxed frequency and can respond to various changes. It is possible to respond not only to technicals and fundamentals, but also to sudden changes in market trends and world situations. In the case of this trading tendency, the most important thing is the difference between the winning profit rate and the losing loss rate, and the larger the difference, the better the management.

[0067] (Step S507) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency with the following: "When both the average holding period and the capital turnover period exceed six months, the trading tendency changes significantly depending on the state of the stocks held. This is because there are often many cases where the stocks held have unrealized losses. This is a case where you are unable to cut your losses and end up holding only bad stocks, in other words, a frozen state. In the past, banks also had a lot of bad loans and gradually fell into a deeper and deeper hole, but the existence of frozen stocks is due to household bad loans (bad assets). This is likely to be caused by not buying or selling enough, and there are many cases where this trading tendency is included in the trend. By combining it with other evaluation axes, it is decided whether or not this case applies. In particular, the important evaluation axes are diagnosis of trading profits and losses and analysis of the holding situation. As for trading advice, if the above applies, buy and sell to revitalize your holdings while organizing them little by little."

[0068] FIG. 6 is a flowchart showing a diagnosis process based on winning profit rate, performed by the advice generating unit 321 in the server 3 according to this embodiment.

[0069] (Step S601) The advice generating unit 321 judges whether the winning profit rate is less than 5%. If the winning profit rate is less than 5% (YES in step S601), the advice generating unit 321 executes the process of step S602. If the winning profit rate is not less than 5%, that is, is 5% or more (NO in step S601), the advice generating unit 321 executes the process of step S603.

[0070] (Step S602) The advice generating unit 321 determines the buying and selling tendency of the user as follows: Information about your buying and selling habits Information about the reasons for your buying and selling habits Information about social aspects of our users' buying and selling habits Information to improve your buying and selling habits (The same applies to steps S604, S606, S608, and S609.)

[0071] As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency with the following: "The winning rate of return is too low. Therefore, unless it is covered by the winning rate or turnover, assets will decrease. If the winning rate of return is lower than the absolute value of the losing rate, it can be said that there is even more room for improvement. If the average holding period when winning is within one week, it may be a little too early. The selection of stocks to buy may be poor to begin with. See the indicators for pattern trading analysis."

[0072] (Step S603) The advice generating unit 321 judges whether the winning profit rate is 5% or more and less than 10%. If the winning profit rate is 5% or more and less than 10% (YES in step S603), the advice generating unit 321 executes the process of step S604. If the winning profit rate is not less than 10%, that is, if it is 10% or more (NO in step S603), the advice generating unit 321 executes the process of step S605.

[0073] (Step S604) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency as follows: "If the turnover rate is high, the loss rate is kept low, and the win rate is high, then the trading can be such that assets increase. However, if the above conditions are not met, then assets tend to not increase despite being busy. The trading may be good, but there may be difficulties in stock selection. Although it is necessary to look at other evaluation axes as well, if it is difficult to achieve a large price range, it is necessary to reconfirm that there is no mistake in the stock selection to begin with. It is necessary to confirm that there is no mistake in the stock selection to begin with by analyzing the trading profit and loss and trading patterns."

[0074] (Step S605) The advice generating unit 321 judges whether the winning profit rate is 10% or more and less than 20%. If the winning profit rate is 10% or more and less than 20% (YES in step S605), the advice generating unit 321 executes the process of step S606. If the winning profit rate is not less than 20%, that is, is 20% or more (NO in step S605), the advice generating unit 321 executes the process of step S607.

[0075] (Step S606) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency as follows: "The winning rate of return is high and excellent. The winning rate is high and the losing rate is suppressed. If the turnover is effective, it will be a rhythm that will sufficiently increase assets. If possible, the winning rate of return can be increased even further to further increase the pace of asset increase. Is it possible to extend the average holding period when winning? We would like to consider ways to further increase the pace of increase by analyzing winning stocks through trading profits and losses and trading patterns. By using strategic stocks, the possibility of making a larger price range increases."

[0076] (Step S607) The advice generating unit 321 judges whether the winning profit rate is 20% or more and less than 50%. If the winning profit rate is 20% or more and less than 50% (YES in step S607), the advice generating unit 321 executes the process of step S608. If the winning profit rate is not less than 50%, that is, if it is 50% or more (NO in step S607), the advice generating unit 321 executes the process of step S607.

[0077] (Step S608) As an example, the advice generating unit 321 compares and diagnoses the user's buying and selling tendency as follows: "If you can get such a large price range on average, it can be said that it is sufficient. You need to pay attention to how effective the turnover is, the loss rate, the win rate, and whether there are any losses on the stocks you own. If there are shortcomings in the above points, there is still room for improvement. What is particularly important is the turnover force. If the turnover force is too low, there is a possibility that there is a lot of room for the pace of asset increase to increase even more."

[0078] (Step S609) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency as follows: "Looking at these figures alone, sufficient profits have been made. If the other figures below are also excellent, assets have acquired a rhythm of steadily increasing. Ideally, there are no problems with (1) how well the turnover is working, (2) what is the loss rate, (3) what is the winning rate, and (4) are there no losses in the stocks held. If there are problems with any of the above four, improvements should be made from there. For example, there are many stocks left in the held stocks that are incurring large losses. While profits are being taken in well, losses cannot be cut and the stocks remain, so it is important to learn how to deal with losses as soon as possible. Take profits slowly and cut losses early."

[0079] FIG. 7 is a flowchart showing a diagnosis process based on a loss rate by the advice generating unit 321 in the server 3 according to this embodiment.

[0080] (Step S701) The advice generating unit 321 judges whether the loss rate is greater than -5% and equal to or less than 0%. If the loss rate is greater than -5% and equal to or less than 0% (YES in step S701), the advice generating unit 321 executes the process of step S702. If the loss rate is not greater than -5%, that is, equal to or less than -5% (NO in step S701), the advice generating unit 321 executes the process of step S703.

[0081] (Step S702) The advice generating unit 321 determines the buying and selling tendency of the user as follows: Information about your buying and selling habits Information about the reasons for your buying and selling habits Information about social aspects of our users' buying and selling habits Information to improve your buying and selling habits (The same applies to steps S704 and S705).

[0082] As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency with the following: "The loss rate in the case of a loss is well controlled, and this is an excellent performance. If the win rate and the win rate are sufficient, and there is no problem with the holding situation, it can be said that the rhythm of assets increasing. However, the most important thing is how large the "win rate + loss rate" is. If the win rate is 5% and the loss rate is -5%, the difference is 0. If the win rate is 50%, there will be no loss or profit from trading. It will just be busy trading. On the other hand, if the win rate is 30% and the loss rate is -5%, the difference is 25%, which is sufficiently large. In this case, even a win rate of 50% will be enough to increase funds. Although it is necessary to consider it in conjunction with other indicators, the loss rate can be said to be excellent."

[0083] (Step S703) The advice generating unit 321 judges whether the loss rate is greater than -10% and less than or equal to -5%. If the loss rate is greater than -10% and less than or equal to -5% (YES in step S703), the advice generating unit 321 executes the process of step S704. If the loss rate is not greater than -10%, that is, less than or equal to -10% (NO in step S703), the advice generating unit 321 executes the process of step S705.

[0084] (Step S704) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency as follows: "The loss rate is sufficiently suppressed, and risk management is well done so as not to cause further damage. As long as there are no seriously damaged stocks among the stocks held, the stop loss is working very well. In this case, it is most important that the winning rate is much higher than the loss rate. If both indicators are at similar levels, the rest depends on the winning rate. If you are busy but your assets are not increasing, you need to take profits slowly and cut losses early. You need to check by analyzing trading patterns that your initial stock selection is not wrong."

[0085] (Step S705) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency with the following: "You tend to be late in cutting your losses, which makes the damage worse. In order to establish a rhythm for increasing your assets, it is very important to cut your losses early and gracefully and control your losses. This is because if you have assets of 1 million yen, if you suffer a 20% loss, it will become 800,000 yen. Next, to get back to 1 million yen, you need to make a profit of 25%. If you make a profit, it will create a virtuous cycle where profits bring more profits, but conversely, if you suffer a large loss and your funds decrease, your principal will decrease and you will be forced to operate with even less funds, making it difficult to recover. If possible, try to keep your loss rate to 10% or less."

[0086] FIG. 8 is a flowchart showing diagnostic processing based on trading profits and losses, performed by the advice generating unit 321 in the server 3 according to this embodiment.

[0087] (Step S801) The advice generating unit 321 determines whether the trading profit / loss is greater than 0% and less than or equal to 10%. If the trading profit / loss is greater than 0% and less than or equal to 10% (YES in step S801), the advice generating unit 321 executes the process of step S802. If the trading profit / loss is less than or equal to 0% or greater than 10% (NO in step S801), the advice generating unit 321 executes the process of step S803.

[0088] (Step S802) The advice generating unit 321 determines the buying and selling tendency of the user as follows: Information about your buying and selling habits Information about the reasons for your buying and selling habits Information about social aspects of our users' buying and selling habits Information to improve your buying and selling habits (The same applies to steps S804, S806, S808, and S809).

[0089] As an example, the advice generation unit 321 compares and diagnoses the user's buying and selling tendencies with the following: "In this era of low interest rates, it is very important to have a style that allows your funds to steadily increase. However, if I may be greedy, I would say that there is still room for improvement."

[0090] (Step S803) The advice generating unit 321 determines whether the trading profit / loss is greater than 10% and less than or equal to 20%. If the trading profit / loss is greater than 10% and less than or equal to 20% (YES in step S803), the advice generating unit 321 executes the process of step S804. If the trading profit / loss is less than or equal to 10% or greater than 20% (NO in step S803), the advice generating unit 321 executes the process of step S805.

[0091] (Step S804) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency with the following: "The annualized profit is greater than 10%, which is excellent. However, if we were to be greedy, we could aim for a step higher, which is in the 10% range, including the effect of compound interest. As for points for improvement, it is important to look at other indicators and improve weak points. If the profit margin is poor, it should be improved, and if the turnover rate is poor, the turnover rate should be increased a little."

[0092] (Step S805) The advice generating unit 321 determines whether the trading profit / loss is greater than 20%. If the trading profit / loss is greater than 20% (YES in step S805), the advice generating unit 321 executes the process of step S806. If the trading profit / loss is not greater than 20%, that is, if it is 20% or less (NO in step S805), the advice generating unit 321 executes the process of step S807.

[0093] (Step S806) As an example, the advice generation unit 321 compares and diagnoses the user's trading trends as follows: "The principal has increased at a rate of more than 20% per year, and assets have been sufficiently built up. From here on, you can aim for even higher by improving the bad indicators and further improving the good indicators. Things are going well with regard to the stocks you are trading, but if the stocks you are holding also have a large amount of unrealized gains, it would be ideal."

[0094] (Step S807) The advice generating unit 321 determines whether the trading profit / loss is greater than -10% and less than or equal to 0%. If the trading profit / loss is greater than -10% and less than or equal to 0% (YES in step S807), the advice generating unit 321 executes the process of step S808. If the trading profit / loss is less than or equal to -10% (NO in step S807), the advice generating unit 321 executes the process of step S809.

[0095] (Step S808) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency as follows: "Buying and selling is in the negative zone, and even if you try hard to buy and sell, the results are not interesting. This is especially true if you have problems with the stocks you own. It is important to first find the improvement points for where you need to improve. Trading pattern analysis can tell you whether there is a problem with buying and selling, or with stock selection. Depending on which buying and selling patterns are more common, you can tell whether there is a problem with buying and selling or with stock selection. If there is a problem with buying and selling, calculate the "profit rate + loss rate." If the "profit rate + loss rate" is close to 0 or negative, it is important to improve this number (make the positive larger) by taking profits slowly and cutting losses early. Then, by increasing your winning rate, you will rise into the positive zone. Try moving according to the advice."

[0096] (Step S809) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency as follows: "Your assets have decreased by more than 10% per year, and they are shrinking. If the situation of the stocks you own is very good, it would be a different matter, but there is a lot of room for improvement in your trading, and you need to fix various points. Where should you start? The starting point is to analyze your trading patterns, and it is important to understand which patterns are the main focus of your trading. If there is a problem with your stock selection, it is important to change that point first. Try trading with strategic stocks. If there is a problem with your trading, possible problems include late stop loss, too early profit confirmation, low win rate, and too slow rotation. Look at your own performance on each evaluation axis and start by fixing the areas with the most room for improvement. I think there is a high possibility that you will improve by following the advice more than ever before."

[0097] 9 is a flowchart showing a classification process of buying and selling patterns by the advice generating unit 321 in the server 3 according to this embodiment. Note that, in the following process, the current price is used for the judgment, but the judgment may be made using the market price after the sale (market price three months after the sale, including the current price) without being limited to the current price.

[0098] (Step S901) The advice generating unit 321 judges whether the buying price is smaller than the selling price. If the buying price is smaller than the selling price (YES in step S901), the process of step S902 is executed. If the buying price is not smaller than the selling price, that is, if the buying price is equal to or larger than the selling price (NO in step S901), the process of step S907 is executed.

[0099] (Step S902) The advice generating unit 321 judges whether the selling price is smaller than the current price. If the selling price is smaller than the current price (YES in step S902), the process of step S903 is executed. If the selling price is not smaller than the current price, that is, if the selling price is equal to or larger than the current price (NO in step S902), the process of step S904 is executed.

[0100] (Step S903) The advice generating unit 321 determines the buying and selling tendency of the user as follows: Information about your buying and selling habits Information about the reasons for your buying and selling habits Information about social aspects of our users' buying and selling habits Information to improve your buying and selling habits (The same applies to steps S905, S906, S908, S810, and S911).

[0101] As an example, the advice generation unit 321 compares and diagnoses the user's buying and selling tendency (winning pattern 1 [buying price < selling price < current price]) with the following: "A user who frequently uses this buying and selling pattern has a good chance of still increasing profits. The stock selection is not wrong, and now it is necessary to see whether a larger price range can be obtained or whether profits are secured too early. Also, if it is too late, there is a possibility that other opportunities will be missed, and the turnover aspect is also important."

[0102] Furthermore, the advice generating unit 321 generates advice corresponding to winning pattern 1, such as "In the future, you can make further improvements by determining how to effectively trade from the stock selection stage onwards and how to replace stocks."

[0103] (Step S904) The advice generating unit 321 judges whether the current price is greater than the purchase price. If the current price is greater than the purchase price (YES in step S904), the process of step S905 is executed. If the current price is not greater than the purchase price, that is, if the current price is equal to or less than the purchase price (NO in step S904), the process of step S906 is executed.

[0104] (Step S905) As an example, the advice generation unit 321 compares and diagnoses the user's buying and selling tendency (winning pattern 2 [buying price < selling price, and selling price > current price, and current price > buying price]) with the following: "Users who frequently use this buying and selling pattern are good at selecting stocks and are good at buying and selling. However, if you are greedy, it is important to buy and sell stocks that have a larger price range. This is especially true when the profit margin is low. Because you buy and sell stocks that do not have a large price range, your profit margin will not increase."

[0105] Furthermore, the advice generating unit 321 generates advice according to winning pattern 2, saying, "If you switch to buying and selling strategic stocks, your performance will improve. In this case, you need to improve your winning return, which is the most important indicator."

[0106] (Step S906) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency (winning pattern 3 [buying price < selling price, and selling price ≥ current price, and current price ≤ buying price]) with the following: "Users who frequently have this trading pattern have made the wrong stock selection in the first place, and were successful because they bought stocks that they should not have bought at the time and quickly sold them. The trading went well, but the stock selection was wrong. When this type of trading accounts for a large proportion of transactions, it is highly likely that their eyes are drawn to stocks that are currently moving, such as stocks that are the subject of market manipulation, and this means that they are only putting their hands on stocks that they will not make a profit if they do not buy or sell, or conversely, stocks that will cause losses if they continue to hold them. As a result, they have no choice but to buy and sell."

[0107] Furthermore, the advice generating unit 321 generates advice according to winning pattern 3, saying, "It is important to select stocks that are safe to hold and that will rise, rather than stocks that cannot be held with confidence. This will give you more leeway in buying and selling."

[0108] (Step S907) The advice generating unit 321 judges whether the selling price is greater than the current price. If the selling price is greater than the current price (YES in step S907), the process of step S908 is executed. If the selling price is not greater than the current price, that is, if the selling price is equal to or less than the current price (NO in step S907), the process of step S909 is executed.

[0109] (Step S908) As an example, the advice generation unit 321 compares and diagnoses the user's buying and selling tendencies (losing pattern 1 [buying price ≧ selling price > current price]) with the following: "Users who have this buying and selling pattern a lot have a problem with stock selection. If you only buy popular stocks, or buy stocks with news about them, or stocks that are being manipulated, you will suffer losses like this. The essence of these stocks is that they are stocks that you should not hold, and stocks that will result in huge losses if you do not sell them."

[0110] Furthermore, the advice generating unit 321 generates the following advice in response to losing pattern 1: "If losing pattern 1 and winning pattern 3 occur frequently, you will need to significantly change your stock selection. Change your style from one in which you aim to make profits from trading by taking advantage of opportunities to one in which you invest. Since there is a high possibility that you are an expert at trading, if you can select stocks properly, your performance may improve dramatically. First, try trading with strategic stocks."

[0111] (Step S909) The advice generating unit 321 judges whether the current price is greater than the purchase price. If the current price is greater than the purchase price (YES in step S909), the process of step S910 is executed. If the current price is not greater than the purchase price, that is, if the current price is equal to or less than the purchase price (NO in step S909), the process of step S911 is executed.

[0112] (Step S910) As an example, the advice generation unit 321 compares and diagnoses the user's buying and selling tendencies (losing pattern 2 [buying price ≧ selling price, and selling price ≦ current price, and current price > buying price]) with the following: "Users who frequently have this buying and selling pattern are good at selecting stocks, but they tend to cut losses too early or have unclear criteria for deciding when to sell or not. Other indicators should also be considered. If there are many winning pattern 1, then the stock selection can be said to be very excellent."

[0113] Furthermore, the advice generating unit 321 generates advice corresponding to the losing pattern 2, saying, "If you become better at trading, your assets will increase. The winning rate of return, the losing rate of loss, and the difference between them are important indicators."

[0114] (Step S911) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency (losing pattern 3 [buying price ≧ current price ≧ selling price]) with the following: "Users who frequently have this trading pattern have room for improvement in both stock selection and trading. However, if losses are kept small and wins are large in this trading pattern, it is possible that the user is winning in an ideal way."

[0115] Furthermore, the advice generating unit 321 generates advice corresponding to the losing pattern 3, such as "If you are losing a lot, it is important to correct your mistake in stock selection."

[0116] FIG. 10 is a flowchart showing diagnostic processing by the advice generating unit 321 in the server 3 according to this embodiment based on the rate of change of held stocks (hereinafter simply referred to as "rate of change").

[0117] The advice generating unit 321 classifies the buying and selling data into held stock data and bought and sold data, and calculates the rate of change of the held stock by referring to the held stock data. Then, the advice generating unit 321 executes the following diagnostic process.

[0118] (Step S1001) The advice generating unit 321 determines whether the rate of change is greater than -10% and equal to or less than 0%. If the rate of change is greater than -10% and equal to or less than 0% (YES in step S1001), the advice generating unit 321 executes the process of step S1002. If the rate of change is equal to or less than -10% or greater than 0% (NO in step S1001), the advice generating unit 321 executes the process of step S1003.

[0119] (Step S1002) The advice generating unit 321 determines the buying and selling tendency of the user as follows: Information about your buying and selling habits Information about the reasons for your buying and selling habits Information about social aspects of our users' buying and selling habits Information to improve your buying and selling habits (The same applies to steps S1004, S1006, and S1007).

[0120] As an example, the advice generation unit 321 compares and diagnoses the user's trading trends as follows: "Some stocks are making profits, while others are making losses. Also, the evaluation varies greatly depending on the trading profit and loss. If the trading profit and loss is large and positive, there seems to be little problem. If the trading profit and loss is small or negative, there seems to be a lot of room for improvement. It is important to analyze the trading profit and loss and recognize your own trading patterns along with the six trading pattern analysis. As trading and stock selection improve, the stocks you hold should also improve. I think there is still a long way to go, but that means there is a lot of room for improvement and many factors that will change."

[0121] (Step S1003) The advice generating unit 321 judges whether the rate of change is -10% or less. If the rate of change is -10% or less (YES in step S1003), the advice generating unit 321 executes the process of step S1004. If the rate of change is not -10% or less (NO in step S1003), the advice generating unit 321 executes the process of step S1005.

[0122] (Step S1004) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency as follows: "You have some stocks that are left unspent, and unless your trading profits and losses are very good, there seems to be a lot of room for improvement. You need to start by looking at an overall judgment of trading and improving your trading. This is because it is highly likely that the stocks you are holding are the ones that you were unable to buy or sell and were unable to cut your losses on. In the case of stocks, it is very important to quickly get rid of failed stocks. Don't dwell on them forever. It's easy to say, but it's true that cutting losses is difficult. If you're not good at it, try to imitate the support content first. This is because cutting losses can suddenly open up the potential of stocks. It is important to organize your holdings, even if only little by little, and change them into a state where you have unrealized gains."

[0123] (Step S1005) The advice generating unit 321 judges whether the rate of change is greater than 0% and less than 10%. If the rate of change is greater than 0% and less than 10% (YES in step S1005), the advice generating unit 321 executes the process of step S1006. If the rate of change is 10% or more (NO in step S1005), the advice generating unit 321 executes the process of step S1007.

[0124] (Step S1006) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency with the following: "If there are no problems with profits and losses from trading, then things seem to be going well. However, it is important to look at this together with trading pattern analysis. In the classification process of trading patterns, if there are more winning patterns 2 and 3 rather than winning pattern 1, then you need to reconsider your stock selection. This is because there is a high possibility that you are buying stocks that do not have a large price range. Try using more strategic stocks that have a larger price range."

[0125] (Step S1007) As an example, the advice generating unit 321 compares and diagnoses the user's trading tendency with the following: "If the trading profit and loss is also positive, there seems to be little problem. However, it is necessary to look at other evaluation axes such as turnover, winning profit rate, losing loss rate, and winning rate. Improve your weak points."

[0126] 11 is a flowchart showing ranking processing by principal increase / decrease rate in the advice generating unit 321 in the server 3 according to this embodiment. Note that the advice generating unit 321 may perform comparison processing and ranking processing using an evaluation index other than the principal increase / decrease rate, or may perform comparison processing and ranking processing using multiple evaluation indexes.

[0127] (Step S1101) The advice generating unit 321 judges whether the principal increase / decrease rate is greater than 30%. If the principal increase / decrease rate is greater than 30% (YES in step S1101), the advice generating unit 321 executes the process of step S1102. If the principal increase / decrease rate is not greater than 30% (NO in step S1101), the advice generating unit 321 executes the process of step S1103.

[0128] (Step S1102) The advice generating unit 321 determines the buying and selling tendency of the user as follows: Information about your buying and selling habits Information to improve your buying and selling habits (The same applies to steps S1104, S1106, S1108, and S1109).

[0129] As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency (rank special A) as "assets are increasing at a pace that exceeds the market average, which is ideal. It depends on whether the weight is higher, trading profits / losses or valuation profits, but if trading profits / losses are the main source of income, turnover will also work well."

[0130] Furthermore, the advice generating unit 321 generates advice according to rank Special A, such as "By improving the weak points in each evaluation axis, your profitability will increase further and the pace of asset increase is likely to pick up."

[0131] (Step S1103) The advice generating unit 321 judges whether the principal increase / decrease rate is greater than 10% and less than or equal to 30%. If the principal increase / decrease rate is greater than 10% and less than or equal to 30% (YES in step S1103), the advice generating unit 321 executes the process of step S1104. If the principal increase / decrease rate is less than or equal to 10% (NO in step S1103), the advice generating unit 321 executes the process of step S1105.

[0132] (Step S1104) As an example, the advice generation unit 321 compares and diagnoses the user's buying and selling tendency (rank A) as follows: "Although it may not be the case on an annual basis, the funds are increasing year by year, and the management is such that profits are generating more profits. There are ups and downs from year to year, but the pace is above average."

[0133] Furthermore, the advice generating unit 321 generates the following advice according to rank A: "Check the indicator to see how it compares with the Nikkei average, and compare your own growth rate with the market average. If it is below the market average, there is still room for improvement. Even if it is above the market average, recognize your weak points and work on improving them."

[0134] (Step S1105) The advice generating unit 321 judges whether the principal increase / decrease rate is greater than 0% and less than or equal to 10%. If the principal increase / decrease rate is greater than 0% and less than or equal to 10% (YES in step S1105), the advice generating unit 321 executes the process of step S1106. If the principal increase / decrease rate is less than or equal to 0% (NO in step S1105), the advice generating unit 321 executes the process of step S1107.

[0135] (Step S1106) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency (rank B) with the following: "The negative amount is small, but the principal is lost, and there is room for improvement. First, let's check whether the loss is occurring on the stocks you own, or on trading."

[0136] Furthermore, the advice generating unit 321 generates advice according to rank B, such as, "If you are incurring losses on the stocks you hold, the first thing you should correct is that you are unable to cut your losses. It is also important to consider whether or not you selected the initial stock to buy appropriately."

[0137] (Step S1107) The advice generating unit 321 judges whether the principal increase / decrease rate is greater than -10% and equal to or less than 0%. If the principal increase / decrease rate is greater than -10% and equal to or less than 0% (YES in step S1107), the advice generating unit 321 executes the process of step S1108. If the principal increase / decrease rate is equal to or less than -10% (NO in step S1107), the advice generating unit 321 executes the process of step S1109.

[0138] (Step S1108) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency (rank C) with the following: "Losses are growing, and we recommend that you improve this immediately. First, identify the problem. If you are experiencing losses in stocks you own, check whether losses are occurring in stocks that have already been bought and sold. If you are experiencing losses in stocks that have already been bought and sold, then you should also refer to the win rate, loss rate, trading pattern analysis, etc."

[0139] Furthermore, the advice generating unit 321 generates advice according to rank C, such as "Improvements should be made starting from the areas that are particularly bad. Please refer to the advice on how to improve from the bad evaluation axis."

[0140] (Step S1109) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency (rank D) with the following: "Your assets are decreasing year by year. It is important to first recognize the problem: whether it is the profit and loss from trading or the rate of change in the stocks you hold."

[0141] Furthermore, the advice generating unit 321 generates advice according to rank D, such as "Is it closer to either that you are unable to cut losses and the unrealized losses of your stocks are growing, or that your turnover is so fast that your assets are not increasing at all despite how busy you are. If it is the former, then the loss rate and six buying and selling pattern analysis are important. If it is the latter, then the winning rate of return, comprehensive loss analysis, and turnover index are important."

[0142] (Decomposition formula for trading profit and loss) The breakdown formula for trading profit and loss is shown below.

[0143] Trading profit / loss = Winning rate x trading amount if winning x winning profit rate / number of wins × Principal × (Number of days elapsed ÷ Number of days for turning over the principal) / Trading amount per transaction + (1-win rate) x trading amount when losing x loss rate / number of losses × Principal × (Number of days elapsed ÷ Number of days for turning over the principal) / Trading amount per transaction Below is the decomposition formula for the profit and loss on trading, including a numerical example for a principal of 5 million yen. The numerical example is shown in brackets [ ].

[0144] Trading profit / loss = Win rate [0.33] x trading amount if winning [29.7 million yen] x winning profit rate [0.41] / number of wins × Principal [5 million yen] × (Number of days elapsed

[1224] ÷ Number of days for turning over the principal

[53] ) / Trading amount per transaction [670,000 yen] + (1-win rate) x trading amount in case of loss [77.73 million yen] x loss rate [-0.08] / number of losses × Principal [5 million yen] × (Number of days elapsed

[1224] ÷ Number of days for turning over the principal

[53] ) / Trading amount per transaction [670,000 yen] The advice generating unit 321 of the server 3 generates a decomposition formula of trading profit and loss including numerical values ​​as a diagnostic result regarding the user's trading data. The advice generating unit 321 also generates advice referring to evaluation indexes including at least the win rate, the winning profit rate, the losing loss rate, and the number of days for turning over the principal (principal turnover period) included in the decomposition formula.

[0145] [Example of advice] Examples of advice according to this embodiment are shown below. The advice generating unit 321 of the server 3 generates each piece of advice. The control unit 22 of the terminal 2 causes the display unit 23 to display each piece of advice. Note that the contents of the advice shown below are merely examples and do not limit the present invention.

[0146] (First example of advice) "We specialize in transactions with a very high turnover rate, with a capital turnover period of three days. For a capital of 1 million yen, we turn over 100 times in one year, resulting in a trading value of 100 million yen. Because the turnover is so fast, the profit rate per transaction is inevitably low.

[0147] In particular, a winning return of 5% may be too low.

[0148] The winning rate is 60%, the profit rate is 5%, and the loss rate is -8%. Although the winning rate is high, the losses are large and there is a tendency to delay in cutting losses, so it can be said that there is an urgent need to improve the loss rate. (Second example of advice) "He doesn't seem to like buying and selling. Over the past year, he has bought and held on to stocks, and has not traded. He has plenty of funds, and I think he takes the stance of buying good stocks and holding on to them.

[0149] Of the 10 million yen principal, the transaction amount was 5 million yen, and 5 million yen remains in cash. The winning rate of the stocks held is 80%, and the rate of return when they win is 1.2 times, which is quite high, so it appears that the investment stance is to carefully select good stocks and purchase them little by little, choosing the right timing. The loss rate of losing stocks is also kept low at around -10%. It is a stance of carefully selecting stocks and investing. It can be said that this is something that only someone with financial resources can do.

[0150] However, there are many great opportunities in the stock market. Not buying and selling, or not changing stocks, means that there is a high possibility that you will miss out on those opportunities. By increasing the amount of money you buy and sell, you can gain profit opportunities many times the principal. If you have a principal of 10 million yen, changing stocks once every three months will dramatically increase your profit opportunities. Once a week will make you too busy, but once every three months will be a hassle-free level. By refreshing once every three months, it will be easier to incorporate stocks that fit the times, and you will be able to adapt to changes flexibly.

[0151] Stocks are constantly changing, so even for those with ample funds, buying and selling stocks and replacing stocks in order to adapt to these changes is essential. However, the stocks you should buy at any given time are different, and adapting to changes is not easy. Our buying and selling support helps with this. (Third example of advice) "The capital turnover period is one year. In other words, with a capital of 1 million yen, I only buy once a year and continue to hold on to it without trading. The transaction amount is 1 million yen. I have not traded at all, but the winning rate of the stocks I hold is 20%, and the loss rate is -30%. I am stuck with my losses and unable to do anything. I bought and left them, and by not cutting my losses early, I am making the damage worse.

[0152] First, I recommend that you try moving even just a portion of your holdings and buying and selling. As the moved funds become more active and start to generate profits, you will be motivated to move other unsold stocks into activity as well, and things will gradually move in the direction of improvement. The most important thing to be careful of when moving is to cut losses early and take profits slowly. It will be difficult to cut losses until you get used to it, so I recommend that you try moving according to the buying and selling support. (Fourth example of advice) "The capital turnover period is two months, and the turnover is moderate. For a capital of 1 million yen, there are six turns over in one year, resulting in a trading value of 6 million yen. The winning rate is 40%, the winning return rate is 40%, and the losing return rate is -8%.

[0153] Although the winning rate is low, the winning return rate is very high at 1.4 times, and the loss cut in the case of a loss is kept at -8%, so assets are steadily increasing, making it an ideal trading method. The frequency of rotation is about once every two months, with stocks being replaced, so it is not busy.

[0154] The average holding period for winning positions is over three months, while the average holding period for losing positions is two weeks. This allows us to make large, slow wins and small, quick withdrawals, and we are engaged in asset building. (5th example of advice) "The capital turnover period is one month, and the turnover is moderate. For a capital of 1 million yen, there were 12 turnovers in one year, for a trading value of 12 million yen. The win rate is 70%, the profit margin is 5%, and the loss margin is -15%. I am conscious of the win rate, and my win rate is high, but my profit margin is too low and my loss margin is too large, so my assets are decreasing. Also, when I win, the holding period is too short, and while I tend to lock in profits immediately, I end up holding on to stocks that have caused losses for too long, which causes my losses to grow.

[0155] There is a tendency to delay cutting losses, so there is an urgent need to improve the loss rate. [Basic figures (basic data) and specific examples of evaluation indicators] The advice generating unit 321 calculates an evaluation index from the basic numerical value. The calculation of the evaluation index changes according to the level of profit and loss (degree of detail). Since the evaluation index changes, the evaluation is performed in stages, and comparison, diagnosis, and advice can also be performed in stages. Specific examples of differences in evaluation indexes according to levels are shown below. Note that the following shows specific examples and does not limit the present invention.

[0156] (Specific examples of valuation of total profit and loss) The advice generating unit 321 calculates the principal increase / decrease rate by "principal increase / decrease rate=total profit / loss÷principal" and evaluates the total profit / loss.

[0157] The basic figures are: ·principal, ·Total profit and loss Purchase price ·Sales proceeds Number of purchases Current valuation Number of days passed ·Average number of days held - The rate of change of the benchmark (Nikkei average, etc.) during the period etc.

[0158] The evaluation indexes include a rotational force index and a comprehensive index.

[0159] The rotational force index includes: · Number of rotations (= purchase price ÷ principal) · Turnover days (= number of days elapsed ÷ number of turns) ·Average number of days held etc.

[0160] The overall indicators are: ·Principal profit and loss ratio (=total profit and loss ÷ principal) Average purchase price Average profit and loss (= total profit and loss / number of purchases) Principal profit / loss ratio (= purchase price ÷ principal × total profit / loss ÷ number of purchases ÷ purchase price ÷ number of purchases) - Principal profit / loss ratio (= number of rotations x average profit / loss per time / purchase price per time) Comparison with the Nikkei average, cash ratio, investment ratio, current investment amount etc.

[0161] (Specific examples of valuation of total trading profit and loss) The advice generating unit 321 calculates the principal increase / decrease rate by "principal increase / decrease rate = (total trading profit / loss + total unrealized profit / loss) / principal" and evaluates the total trading profit / loss.

[0162] The basic figures are: ·principal Total trading profit and loss Purchase price Number of wins Total profit if winning · Winning Purchase Total Total winning sale price Number of losses Total purchase price lost Total selling price of losses Total loss in case of loss Number of transactions ·Sales proceeds Number of days passed Average trading period etc.

[0163] The evaluation indicators are: Rotational force · Number of times the stock is traded (= purchase price ÷ principal) Number of days for trading stock (= number of days elapsed ÷ number of rotations) Average number of days a stock is held Principal profit / loss ratio (= total profit / loss on sales / principal) Win rate of trading stocks (= number of wins / number of trades) Profit per trading session (= Profit when winning ÷ Number of times winning) Profit rate when trading stocks are winning (= Profit when winning ÷ Winning trading amount) Loss per trade of a stock (= loss in case of loss ÷ number of losses) Loss rate in case of loss on trading stock (= loss in case of loss ÷ loss trading amount) etc.

[0164] For example, trading profits and losses can be broken down into the following elements: This breakdown makes it possible to understand the nature of trading.

[0165] Total profit and loss on trading = Win rate (33%) x Trading amount if winning (29.7 million yen) x Profit rate if winning (0.41) ÷ Number of wins + (1 - Win rate) x Trading amount if losing (77.73 million yen) x Profit rate if losing (-0.08) ÷ Number of losses × Principal (5 million yen) × (Number of days elapsed (1224) ÷ Number of days for turning over the principal (53)) ÷ Trading amount per transaction (670,000 yen) Profits and losses from trading are determined by turnover, profit margin in case of winning, loss margin in case of losing, principal, win rate, etc. By dividing the factors, it is possible to evaluate which factors are strong or weak, and the tendency of trading can be understood.

[0166] For example, unrealized gains and losses can be divided into the following elements:

[0167] Unrealized profit and loss = Win rate (33%) x Trading amount if winning (29.7 million yen) x Profit rate if winning (0.41) ÷ Number of wins + (1 - Win rate) x Trading amount if losing (77.73 million yen) x Profit rate if losing (-0.08) ÷ Number of losses × Principal (5 million yen) × (number of days elapsed (1224) ÷ number of days for turning over the principal (53)) ÷ trading amount per transaction (670,000 yen) When assessing unrealized profits and losses, the turnover, profit margin in the case of a win, loss margin in the case of a loss, principal, win rate, etc. are important.

[0168] (Example of evaluation of total winnings) The advice generating unit 321 calculates the principal increase / decrease rate by "principal increase / decrease rate = (total winning profits + total losing losses + total unrealized profit / loss) / principal" and evaluates the total winning profits.

[0169] The basic figures are: ·principal Total Profit Purchase price ·Sales proceeds Number of days passed Average number of days to sell etc.

[0170] The evaluation indicators are: Rotational force · Number of rotations = (purchase price ÷ principal) · Turnover days (= number of days elapsed ÷ number of turns) ·Average number of days held Winning Profit Rate (= Total Winning Profit / Winning Purchase Price) Win rate (= number of wins / number of trades) Profit per win (= Profit when winning ÷ Number of wins) Profit rate in case of winning (= Profit in case of winning ÷ Winning trading amount) Total profits won Purchase price per win (= purchase price per win / number of wins) etc.

[0171] For example, winnings can be divided into the following components:

[0172] Winning Profit = (Winning Rate (33%) x Trading Amount if Winning (29.7 million yen) x Profit Rate if Winning (0.41) ÷ Number of Winnings) × (principal (5 million yen) × (number of days elapsed (1224) ÷ number of days for turning over the principal (53)) ÷ trading amount per transaction (670,000 yen)) Winning profit = (Winning rate (= Number of wins ÷ Number of trades) (33%) × Trading amount if winning (29.7 million yen) × Profit rate if winning (= (Profit from winning pattern 1 + Profit from winning pattern 2 + Profit from winning pattern 3) ÷ Trading amount (0.41)) ÷ Number of wins) × (principal (5 million yen) × (number of days elapsed (1224) ÷ number of days for turning over the principal (53)) ÷ trading amount per transaction (670,000 yen)) Winning profit = Winning pattern 1 profit + Winning pattern 2 profit + Winning pattern 3 profit Winning profit = Profit that would have been made with Winning Pattern 1 - Profit lost after selling Winning Pattern 1 + Loss avoided by selling Winning Pattern 2 + Profit that would have been made by holding Winning Pattern 2 + (Current valuation - purchase price) of Winning Pattern 3 - (Loss if continuing to hold) of Winning Pattern 3 - Loss avoided by buying and selling Winning Pattern 3 at (Current valuation - selling price) (Example of evaluation of profitable patterns) The advice generation unit 321 calculates the principal increase / decrease rate as follows: "Principal increase / decrease rate = (total unrealized profit / loss + total profit of winning profit pattern 1 + total profit of winning profit pattern 2 + total profit of winning profit pattern 3 + total loss of losing loss pattern 1 + total loss of losing loss pattern 2 + total loss of losing loss pattern 3) ÷ principal" and evaluates the total winning profit.

[0173] The basic numbers for winning pattern 1 are: ·principal, Total Profit Purchase price ·Sales proceeds Number of days passed Average number of days to sell Total profit and loss after trading Total profit and loss if holding -Total profit and loss on sales, etc.

[0174] The evaluation indicators for winning pattern 1 are: Average holding period, total profit if not sold - Profit amount that would have been earned if no sale had been made Profit if you did not sell ÷ Profit from winning pattern 1 Total profits that could have been earned Total profit that would have been earned ÷ Profit from winning pattern 1 ·Average holding period The period that has elapsed if the sale is not made - Holding period if you do not sell after purchasing, Total profit that would have been earned ÷ holding period if not sold after purchase Profit that would have been earned if the sale had not been made ÷ period that would have elapsed if the sale had not been made etc.

[0175] For example, the profits from winning pattern 1 can be divided into the following elements:

[0176] Profit from winning pattern 1 = Rate of winning pattern 1 (= (Number of winning pattern 1 ÷ Number of wins) × (Number of wins ÷ Number of trades)) × Trading amount for winning pattern 1 (1,000 yen) × Profit rate for winning pattern 1 (= Profit from winning pattern 1 ÷ Trading amount for winning pattern 1) ÷ Number of winning pattern 1 × Principal (5 million yen) × number of days elapsed (1224) ÷ number of days for turning over the principal (= (number of days elapsed ÷ (trading amount ÷ principal)) (53) ÷ trading amount per transaction (670,000 yen)) Profit from winning pattern 1 = Profit that would have been obtained from winning pattern 1 - Lost profit after selling winning pattern 1 Profit rate of winning pattern 1 = (profit that would have been obtained from winning pattern 1 - profit lost after selling winning pattern 1) ÷ trading price of winning pattern 1 Profit from winning pattern 1 = Rate of winning pattern 1 (= Number of times winning pattern 1 is used ÷ Number of times buying and selling) × Trading price for winning pattern 1 (1,000,000 yen) × (Profit that would have been obtained from winning pattern 1 - Lost profit after selling winning pattern 1) ÷ Trading price for winning pattern 1 ÷ Number of times winning pattern 1 is used (Total profit and loss) In the server 3, the advice generation unit 321 acquires trading data for investment products, acquires basic numerical values ​​(fundamental data) from the acquired trading data, calculates evaluation indexes related to trading profit / loss and unrealized profit / loss from the acquired basic numerical values, acquires evaluation indexes related to overall profit / loss from the calculated evaluation indexes, and generates information indicating the acquired evaluation indexes.

[0177] Fig. 12 is a flowchart showing the process of the overall profit and loss analysis according to the present embodiment. Fig. 13 is a diagram showing examples of evaluation values ​​of the overall profit and loss, the trading profit and loss, and the unrealized profit and loss according to the level of detail according to the present embodiment.

[0178] As shown in Figure 13, total profit / loss is expressed as the sum of trading profit / loss and unrealized profit / loss. Unrealized profit / loss has trading profit / loss as a parameter in the calculation formula, and is linked to increases / decreases in trading profit / loss. This means that unrealized profit / loss may increase as trading profit / loss increases, further increasing the possibility of total profit / loss increasing. In other words, we can expect a compound interest effect on total profit / loss due to the synergistic effect of trading profit / loss and unrealized profit / loss.

[0179] In other words, the total profit or loss is the total profit or loss, including the unrealized profit or loss and the realized profit or loss, obtained from the investment product.

[0180] The evaluation indicators for overall profit and loss include: Rotational force - Winning profit rate (buying and selling profit rate and unrealized profit rate) Loss rate (trading loss rate and unrealized loss rate) Cash ratio · Buying win weight (unrealized buying and selling win rate) Win rate (selling win rate) etc.

[0181] The overall profit and loss is affected by various evaluation indicators depending on the level of detail of the evaluation figures, and various evaluation indicators according to the level of detail are evaluated. For example, when using a calculation formula with a level of detail of 5, the most detailed evaluation indicators are used, allowing for more detailed analysis and evaluation.

[0182] As shown in FIG. 12, in the server 3, the advice generating unit 321 performs a diagnostic procedure in which it analyzes the overall profit and loss to grasp the broad outline of what is good and what is bad, and then digs deeper into the shortcomings to clarify the points that need improvement.

[0183] (Step S1201) The advice generating unit 321 judges whether there is a problem with the buying and selling profit and loss among the total profit and loss. If there is a problem with the buying and selling profit and loss (Yes in step S1201), the advice generating unit 321 executes the judgment in step S1202. If there is no problem with the buying and selling profit and loss (i.e., there is a problem with the unrealized profit and loss) (No in step S1201), the advice generating unit 321 executes the judgment in step S1205.

[0184] (Step S1202) The advice generating unit 321 judges whether there is a problem with the winning profit rate (buying and selling profit rate). If there is a problem with the winning profit rate (Yes in step S1202), the advice generating unit 321 executes the process of step S1203. If there is no problem with the winning profit rate (i.e., there is a problem with the losing loss rate) (No in step S1202), the advice generating unit 321 executes the process of step S1204.

[0185] (Step S1203) The advice generating unit 321 analyzes the winning profit rate (buying and selling profit rate).

[0186] (Step S1204) The advice generating unit 321 analyzes the loss rate (trading loss rate).

[0187] (Step S1205) The advice generating unit 321 judges whether there is a problem with the winning profit rate (unrealized profit rate). If there is a problem with the winning profit rate (Yes in step S1205), the advice generating unit 321 executes the process of step S1206. If there is no problem with the winning profit rate (i.e., there is a problem with the losing loss rate) (No in step S1205), the advice generating unit 321 executes the process of step S1207.

[0188] (Step S1206) The advice generating unit 321 performs an analysis of the winning profit rate (unrealized profit rate).

[0189] (Step S1207) The advice generating unit 321 analyzes the loss rate (unrealized loss rate).

[0190] As a specific example of steps S1205 to S1207, for example, when the absolute value of the winning profit rate (unrealized profit rate) is greater than the threshold A and the absolute value of the losing loss rate (unrealized loss rate) is less than the threshold B (<threshold A), the advice generating unit 321 may generate a diagnosis indicating that the winning profit rate is sufficiently large and the losing loss rate is sufficiently small, and an advice recommending selling the stock with the small losing loss rate to realize a loss cut and using the proceeds from the sale to purchase an investment product with a higher profit potential. This is because it is reasonable to realize losses early within the profit margin because the winning profit is large. However, further, when the length of the holding period (for example, the number of days, the number of months, etc.) of the stock with the small losing loss rate is shorter than a predetermined value, the advice generating unit 321 does not generate the above diagnosis and advice. This is because there is a possibility that the management results of the stock have not yet been obtained because the holding period is still short.

[0191] In the analyses in steps S1203, S1204, S1206, and S1207, it may be possible to analyze whether the winning profit rate or the losing profit rate is greater (outperforming) than a comparison target (for example, the Nikkei average).

[0192] Based on the above, a multifaceted evaluation is possible, for example, such as "Starting with a diagnosis of overall profit and loss, the turnover is high, but the winning profit rate is low and the trading profit is low, so the compound interest effect is not working, the unrealized loss is large, and the overall profit and loss is negative," or "Loss cut is not possible, and losing stocks are held for a long time, causing the unrealized loss to grow, while when a profit is made, it is quickly sold, so the winning profit rate is low and the losing loss rate (unrealized loss) is high."

[0193] Investment products are investment products including Forex, stocks, investment trusts, ETFs, etc., and refer to fluctuating products whose value fluctuates. However, there is no strict, unique formula. For example, the trading amount per transaction can be replaced by (trading amount ÷ number of transactions).

[0194] Unrealized profits and losses are expressed as functions of, for example, the cash ratio, trading profits, and winning profit rate (unrealized profit rate). The total profit or loss from an investment product is the sum of the trading profit or loss and the unrealized profit or loss. Therefore, the total profit or loss is affected by these evaluation indicators.

[0195] (Effect of decomposing total profit and loss) By examining not only whether the profits obtained from investment products are unrealized or realized (the roughest method of evaluation), but also the impact of the cash ratio on profits and losses, and the compound interest effect where profits lead to more profits, and by taking a comprehensive look at the turnover, profit rate of wins, loss rate of losses, etc., it becomes possible to determine where the most problems lie and make a comprehensive evaluation of the areas that need to be focused on for improvement, making it possible to make a diagnosis.

[0196] For example, if the profit and loss on trading is large, the winning profit rate is high, and the losing loss rate is kept low, but the unrealized loss is expanding significantly, there is a big problem with the unrealized loss and there is an area for improvement, so it is necessary to focus on that and evaluate it in more detail.

[0197] For example, if the unrealized profit is large, carefully selected stocks were purchased at the right time, and the winning profit rate (unrealized profit rate) is high, but there are still many stocks with unrealized losses and turnover is not working at all, we would convey the need to create trading profits and losses (by cutting losses, etc.), improve capital efficiency, and increase turnover, as this is likely to produce better results.

[0198] (Unrealized profit and loss) Unrealized profits and losses refer to unrealized profits and losses that have not yet been realized, and are calculated from the purchase price of a product that has not yet been traded (or the selling price in the case of short selling; the same applies below). Unrealized profits and losses are usually the difference between the valuation of a product, calculated based on the market price, and the purchase price of that product.

[0199] (Definition of terms) Winning profits refer to unrealized profits that have not yet been realized or confirmed.

[0200] The winning profit rate is the unrealized profit rate, and is calculated as "winning profit / winning purchase price." Winning purchase price is the purchase price that constitutes the unrealized profit out of the purchase price that constitutes the unrealized profit / loss (i.e., the purchase price of the product that is not traded).

[0201] Loss refers to unrealized losses that have not yet been realized or confirmed.

[0202] The loss rate is the unrealized loss rate, calculated as "loss rate / loss purchase price." The loss purchase price is the purchase price that constitutes the unrealized loss out of the purchase price that constitutes the unrealized profit and loss.

[0203] The cash ratio refers to the ratio of the amount remaining as cash out of the amount available for purchase (principal + trading profit and loss + deposits and withdrawals). Deposits and withdrawals are the increase or decrease in cash that has been deposited or withdrawn since the principal was deposited. "1 - cash ratio" refers to the ratio of the product's holding price out of the amount available for purchase.

[0204] The purchase winning weight is the ratio of the purchase price that is the unrealized gain to the purchase price. Therefore, "1 - purchase winning weight" means the ratio of the purchase price that is the unrealized loss to the purchase price.

[0205] As expressed in the formula in Figure 13, unrealized profits and losses are composed of the cash ratio, buying and selling profits and losses, purchasing win weight, winning return rate (unrealized profit rate), losing loss rate (unrealized loss rate), etc.

[0206] Not only the trading profit and loss described above, but also unrealized profit and loss and overall profit and loss can be evaluated in stages.

[0207] (Specific examples of valuation of total unrealized gains and losses) The advice generating unit 321 evaluates the total unrealized profit and loss.

[0208] The basic figures are: ·principal Total unrealized gains and losses Purchase price of unsold stocks (or unrepurchased stocks) Current valuation of unsold stocks (or unrepurchased stocks) Number of days passed Number of winning stocks held -Total unrealized profits if your holdings win Purchase price of winning stocks held Number of losses on stocks held Total loss if holdings lose Loss on trading of stocks held Number of purchases Number of stocks held ·Average number of days held etc.

[0209] The evaluation indicators are: Rotational force - Capital multiplication rate (= (purchase price + cash) ÷ (capital + deposits and withdrawals)) Annual capital growth rate (= capital growth rate / number of years passed) ·Average number of days held Profit and loss ratio (= total unrealized profit and loss / total purchase price) Win rate (= number of wins / number of purchases) Profit per win (= Profit when winning ÷ Number of wins) Profit margin if winning (= Profit if winning / Purchase price if winning) - Brand share -Percentage of winning stocks Share of losing stocks Profit and Loss Composition (by stock) Average rate of change (annualized) Unrealized profit and loss weighting · Trading profit and loss weighting Nikkei average change rate etc.

[0210] (Details of unrealized gains and losses) As shown in FIG. 13, the unrealized profit and loss can be evaluated, for example, using five levels of evaluation numbers with different levels of detail.

[0211] A function with a level of detail 1 is expressed by a formula including a trading history. That is, in the server 3, the advice generating unit 321 may calculate an evaluation index including trading profits and losses from a basic numerical value as an evaluation index related to unrealized profits and losses, and generate information indicating the calculated evaluation index.

[0212] A function of detail level 2 is expressed by a formula including trading profit, winning profit rate (unrealized profit rate), or losing loss rate (unrealized loss rate). That is, in the server 3, the advice generating unit 321 may calculate an evaluation index including trading profit and loss and winning profit rate or losing loss rate from a basic numerical value as an evaluation index related to unrealized profit and loss, and generate information indicating the calculated evaluation index.

[0213] A function with a level of detail 3 is expressed by a formula including trading profit, cash ratio, winning profit rate (unrealized profit rate), or losing loss rate (unrealized loss rate). That is, in the server 3, the advice generating unit 321 may calculate an evaluation index including trading profit and loss, winning profit rate or losing loss rate, and cash ratio from a basic numerical value as an evaluation index related to unrealized profit and loss, and generate information indicating the calculated evaluation index.

[0214] A function with a level of detail 4 is expressed by a formula including purchase win weight, principal, trading profit / loss, cash ratio, winning profit rate (unrealized profit rate), and losing loss rate (unrealized loss rate). That is, in the server 3, the advice generating unit 321 may calculate an evaluation index including trading profit / loss, winning profit rate or losing loss rate, cash ratio, and purchase win weight from a basic numerical value as an evaluation index related to unrealized profit / loss, and generate information indicating the calculated evaluation index.

[0215] The formula for calculating specificity level 5 is as follows:

[0216] Unrealized profit / loss = purchase win weight x (1 - cash ratio) x (principal + trading profit / loss) x winning return rate + (1 - purchase win weight) x (1 - cash ratio) x (principal + trading profit / loss) x losing loss rate The calculation formula for level of detail 5 when there are deposits and withdrawals after the principal is invested is as follows:

[0217] Unrealized profit / loss = purchase win weight x (1 - cash ratio) x (principal + trading profit / loss + deposit / withdrawal) x win rate of return + (1 - purchase win weight) x (1 - cash ratio) x (principal + trading profit / loss + deposit / withdrawal) x loss rate However, the winning rate is the unrealized profit rate, and the losing rate is the unrealized loss rate.

[0218] That is, in the server 3, the advice generation unit 321 may calculate evaluation indices including buying and selling profit and loss, winning profit rate or losing loss rate, cash ratio, purchase win weight, and principal from basic numerical values ​​as evaluation indices related to unrealized profit and loss, and generate information indicating the calculated evaluation indices.

[0219] Furthermore, after the evaluation according to the level of detail, it is determined which index has a major problem, and advice is generated indicating that the index with the major problem should be improved. That is, in the server 3, the advice generating unit 321 may generate information indicating an index with a low evaluation, among a plurality of evaluation indexes related to unrealized profit and loss, with priority.

[0220] Furthermore, the advice generating unit 321 may generate information indicating diagnosis, ranking, comparison, or advice using an evaluation index related to the total profit and loss or the unrealized profit and loss. For example, since various evaluations become possible by calculating an evaluation index, the evaluation index may be compared with other products, and the comparison results may be included in the diagnosis, ranking, comparison, or advice.

[0221] (Evaluation, diagnosis and advice on owned products) In the server 3, the advice generation unit 321 may calculate the total purchase price (purchase price), the product valuation amount, and the benchmark valuation amount from the basic numerical values, compare the total purchase price, the product valuation amount, and the benchmark valuation amount, and generate information indicating a diagnosis or advice regarding the asset status based on the comparison result.

[0222] FIG. 14 is a diagram showing an example of evaluation indexes of owned products according to this embodiment.

[0223] The procedure for the advice generating unit 321 to evaluate the asset status of a product held by a user, that is, a product that has not been traded after purchase (or sale in the case of short selling) is shown below. The following procedure allows a comprehensive evaluation of the held product.

[0224] (S1) The advice generating unit 321 calculates "purchase price x price fluctuation rate of the product" for each product held. The price fluctuation rate of a product is the rate of increase or decrease from the time of purchase to the present. The advice generating unit 321 calculates the price fluctuation rate of a product using the following formula 1.

[0225] Product price fluctuation rate = (current valuation amount - purchase price) / purchase price × 100[%] Formula 1 (S2) The advice generating unit 321 totals "purchase price x price fluctuation rate of the product" for each product held. This total amount is regarded as the product valuation amount. The product valuation amount indicates the total of the current valuation amounts of each product held.

[0226] (S3) The advice generation unit 321 calculates "recommended purchase amount x benchmark change rate" for each held product. The benchmark change rate is the rate of change from the time of the purchase recommendation to the present. The benchmark is not limited to the Nikkei average, TOPIX, etc., but may be an evaluation amount based on dedicated software, the stock price of a specific stock, etc. The advice generation unit 321 calculates the benchmark change rate using the following formula 1.

[0227] Benchmark rate of change = (current benchmark - benchmark at time of buy recommendation) / benchmark at time of buy recommendation × 100[%]···Equation 2 (S4) The advice generation unit 321 sums up the "recommended purchase price x benchmark fluctuation rate" for each product held. This total amount is the benchmark evaluation amount. The benchmark evaluation amount indicates the total of the current evaluation amounts for the products linked to the benchmark, assuming that the products are purchased for the same price.

[0228] (S5) The advice generating unit 321 compares the total purchase price, the product valuation amount, and the benchmark valuation amount, and generates information indicating a diagnosis or advice regarding the asset status according to the comparison result. The total purchase price indicates the total purchase price for each owned product.

[0229] This makes it possible to evaluate, for example, how much the product valuation exceeds the benchmark valuation, and how much the product valuation falls short of the benchmark valuation.If the benchmark is the Nikkei 225 index product, it can be inferred that the results would be better than those of an actual investment product, and this can diagnose problems with stock selection.

[0230] Even if the benchmark valuation exceeds the product valuation, there are many investment targets that have performed better during the period in question, so by showing their performance, it is possible to provide hints and advice on how to achieve better performance. For example, a good example of hints and advice would be to say that if you had held stock B for the period in question, you would have achieved three times the performance of stock A.

[0231] (Pattern classification of products held) FIG. 15 is a diagram showing an example of a pattern of owned products according to this embodiment.

[0232] In the server 3, the advice generation unit 321 may acquire uncountered trading data from the trading data, classify the uncountered trading data into patterns according to the current price, purchase price, rate of change, and benchmark rate of change of the investment product held, calculate the purchase price or product valuation amount for each pattern from the uncountered trading data, and generate information indicating a diagnosis or advice regarding the asset status according to the ratio of the purchase price or product valuation amount for each pattern.

[0233] First, the advice generating unit 321 performs pattern classification for each held commodity. The advice generating unit 321 classifies the user's held commodities into the following four patterns. That is, winning pattern 1 is when the current price is greater than the purchase price, and the stock's rate of change is greater than the benchmark rate of change. Winning pattern 2 is when the current price is greater than the purchase price, and the stock's rate of change is less than the benchmark rate of change. Losing pattern 1 is when the current price is less than the purchase price, and the stock's rate of change is greater than the benchmark rate of change. Losing pattern 2 is when the current price is less than the purchase price, and the stock's rate of change is less than the benchmark rate of change.

[0234] Next, the advice generating unit 321 calculates the total purchase price or product evaluation amount for each of the above four patterns, calculates the ratio of the amount of each pattern to the total of the four patterns, and generates a diagnosis or advice based on the ratio of each pattern or which pattern has the largest amount.

[0235] For example, if winning pattern 1 is 70% and winning pattern 2 is 30%, the advice generation unit 321 generates a diagnosis that "it is above average, and the stock to buy and the timing to buy are good," and advice that "the only thing left to do is to refer to the indicator of how much it is above average."

[0236] In addition, if winning pattern 2 is 80%, winning pattern 1 is 10%, and losing pattern 1 is 10%, the advice generation unit 321 will generate a diagnosis that "You are making a profit, but it is not exceeding the benchmark," and an advice that "There is a lot of room for improvement. We would like to aim for results that exceed the average."

[0237] Furthermore, when losing pattern 1 accounts for 80%, the advice generating unit 321 diagnoses that losses are occurring due to the falling benchmark, such as "Although you have incurred a loss, it is because the benchmark has fallen. Considering that, the loss has been kept small," and generates advice recommending early loss cutting, such as "However, that does not change the fact that you have recorded a loss, so it is important that you do not hold the stock in question for too long, for example by cutting your losses early."

[0238] In addition, if losing pattern 2 accounts for 90% of the time, the diagnosis will be "unrealized losses are holding you back significantly," and the advice will be "We recommend that you improve both your buying timing and stock selection. Stop-loss techniques are also important, so you will want to learn not only stock selection and buying timing, but also how to stop losses when you fail, as soon as possible."

[0239] (Effect of evaluating unrealized gains and losses) By including trading profits and losses in the components of unrealized profits and losses and adding them to the valuation target, the following effects are achieved.

[0240] First, unrealized profits and losses are heavily influenced by already confirmed losses and profits (profits and losses on purchases), and if a large confirmed profit is obtained, the purchase price increases. This means that if the profit on purchases is large, a larger profit can be obtained even with the same profit margin. Conversely, if the profit on purchases is negative, the purchase price decreases, so even with the same profit margin, the profit will be smaller.

[0241] (Principal + Profit / Loss on Trading) ÷ Principal, or (Principal + Profit / Loss on Trading + Deposits / Withdrawals) ÷ (Principal + Deposits / Withdrawals) are indicators that show how much the principal has increased due to profits / losses on trading. The purchase price, which is one of the elements that make up unrealized profits / losses, is expressed by (Principal + Profit / Loss on Trading - Cash Balance), etc., so these indicators are factors that greatly affect unrealized profits / losses.

[0242] According to the above, by clarifying that the increase or decrease in profit or loss on sales has a large effect on the unrealized profit or loss, the so-called compound interest effect becomes clear and can be quantified in the evaluation and diagnosis of investment profit or loss.

[0243] In addition, the purchase win weight and cash ratio are important evaluation indicators, and it is important to increase the purchase win weight among the products you hold. And, just like with trading profits and losses, it is also important to increase the difference between the profit rate (unrealized profit rate) and the loss rate (unrealized loss rate), and this is added to the evaluation. This allows for a multifaceted evaluation and diagnosis even for the same unrealized profit and loss.

[0244] Furthermore, if the cash ratio is too high, opportunity losses will occur and the unrealized profits that would have been made can also be roughly calculated, and these are also important factors to be evaluated. Opportunity losses can be calculated by "cash x unrealized profit / loss ratio." Additionally, the winning profit ratio (unrealized profit ratio), losing loss ratio (unrealized loss ratio), and the difference between them are important factors in managing unrealized profits / losses, and are therefore also subject to evaluation. If there are a lot of unrealized losses and they exceed the profits / losses from trading, then this is a serious problem and is the first thing that should be improved.

[0245] For example, it becomes important to learn how to increase the winning profit rate and how to reduce the losing loss rate (unrealized loss rate), making it possible to make a multifaceted evaluation.

[0246] Based on these evaluation values, a diagnosis can be made. Then, various comparisons can be made, such as with others or with the average. Ranking is also possible. As a result, advice can be given based on the evaluation, diagnosis, and comparison rankings.

[0247] [Embodiment 2] A second embodiment of the present invention will be described below. For ease of explanation, the same reference numerals will be given to members having the same functions as those described in the first embodiment, and the description thereof will not be repeated.

[0248] In this embodiment, in addition to evaluating actual buying and selling, the user also performs virtual buying and selling (simulation) based on past actual stock prices and events, and the advice generating unit 321 of the server 3 evaluates the virtual buying and selling. That is, unlike the case of actual buying and selling data, the user makes buying and selling decisions based on past stock prices and events by answering questions displayed on the terminal 2. Then, the advice generating unit 321's evaluation of buying and selling and profits and losses diverges depending on the individual judgment of the user.

[0249] In detail, the server 3 generates information regarding virtual trading of investment products in the past. In the server 3, the advice generating unit 321 acquires initial conditions including the start time of the virtual trading and the investment product and cash holding status assumed at the start time. Then, using the initial conditions, the advice generating unit 321 sequentially generates two or more question screens including dates of events that have occurred since the start time, and questions and options regarding the trading of investment products.

[0250] The question screen may further include an event.

[0251] The question screen may further include the value of assets held, including investment products and cash, on the date of the event.

[0252] Furthermore, the advice generating unit 321 may set the valuation amount of each investment product on the date of the first event to 100, and calculate the valuation amount of each investment product on the dates of the second and subsequent events as an index relative to 100.

[0253] Fig. 16 is a diagram showing an example of an initial screen of a stock investment simulation (virtual buying and selling) according to this embodiment. As shown in Fig. 16, the terminal 2 displays the initial screen of the stock investment simulation. When the user clicks the "Start" button displayed on the initial screen, the terminal 2 starts the stock investment simulation.

[0254] FIG. 17 is a diagram showing an example of a question screen of a stock investment simulation according to this embodiment. As shown in FIG. 17, the terminal 2 displays a question screen of the stock investment simulation. The question screen displays an event, a date, a question, a hint, an elapsed time, owned assets, and options. The event indicates an event occurring at that time. The date indicates the date on which the event occurred. The question indicates a problem for the user. The hint indicates detailed advice on investment that is different from the event. The elapsed time indicates the time that has elapsed since the start of the stock investment simulation. The owned assets indicate the amount of assets currently held by the user. There are four options for each question, and for example, selling AJ company stock, holding BJ company stock, switching from CJ company stock to K company stock, and switching from DJ company stock to L company stock are listed.

[0255] The process is described below, which includes the initial condition, question 1, and result report.

[0256] (initial conditions) The initial conditions include a date, holdings (name of stock and number of shares, cash), and an initial valuation amount. The initial valuation amount is the valuation amount of all assets including stocks and cash. The server 3 may hold default initial conditions, or the initial conditions may be set by the user.

[0257] Below, specific examples of initial conditions are shown. ·Date 0 is defined as the starting point of the stock investment simulation. Case of holding 4 stocks (A, B, C, D) The number of shares of stock A is a1, that of stock B is b1, that of stock C is c1, and that of stock D is d1. Initial valuation amount α (e.g., 4 million yen) It may be converted into the actual number of shares, or the valuation of each stock at the time of starting the stock investment simulation may be indexed and set to 100. Note that the user may start the stock investment simulation with only cash in hand, or may hold both cash and stocks in a predetermined ratio.

[0258] Fig. 18 is a diagram showing the transition of stock prices in a stock investment simulation according to this embodiment. Fig. 18 shows actual stock prices and simulated stock prices on the dates of each event. Actual stock prices are literally actual stock prices. Simulated stock prices are stock prices expressed as an index, with the stock price of each stock on 6 / 23 / 2016 being set at 100, and thereafter, the stock price of each stock is expressed as an index relative to 100.

[0259] 19 is a diagram showing the transition of valuation amounts for each branch of each question in the stock investment simulation according to this embodiment. The valuation amount of each stock on 2016 / 6 / 23 is set to the initial base index of 100. Also, the valuation amount of each stock at the time of branching of question 2 on 2016 / 11 / 9 is set to 91, which is the valuation amount of a certain stock and is an index of 100. These are intended to make it easier to evaluate which stocks should have been purchased at that time by looking at the subsequent transition of valuation amounts.

[0260] For example, if the stock is switched from Company G to Company E, there will actually be excess cash. This gets complicated, so let's assume that all of the sales proceeds are transferred to Company E. Therefore, on November 9, 2016, the valuation of Company E will be 91. In reality, if there is excess cash, the valuation of 91 will be broken down into Company E 80 and cash 11. The valuation of 91 is based on the assumption that there is 0 cash, but to make it more realistic, it is also possible to consider a case where there is excess cash.

[0261] The above case assumes that all proceeds from the sale are used to purchase the stock, but due to the nature of unit shares, it is more realistic to have excess cash. In that case, the cash balance will change when stocks are replaced, and such cases can also be displayed.

[0262] Each question is explained below. The dates for each question (Question 1 to Question 5) are 2016 / 6 / 23, 2016 / 11 / 9, 2016 / 12 / 7, 2016 / 12 / 27, and 2018 / 2 / 9, respectively.

[0263] (Question 1) Date 1 (2016 / 6 / 23) Valuation β (total valuation calculated based on the stock price of each of A, B, C, and D as of date 1) -Explanation of the situation of stock A and presentation of options -Overall market conditions and daily status of stocks that require judgment 4 case options In the case of holding stocks, examples would be selling stock A, maintaining stock A, switching to stock E, and switching to stock F. In the case of starting a stock investment simulation with only cash, examples of options would be buying stock A, holding cash, and buying other stocks.

[0264] (Question 2) Date 2 (2016 / 11 / 9) Holdings Explanation of the situation of B stock and presentation of options 4 options (selling stock B, holding stock B, switching to stock G, switching to stock H) (Question 3) Date 3 (2016 / 12 / 7) -Explanation of the situation of C stocks and presentation of options 4 options (selling stock C, holding stock C, switching to stock I, switching to stock J) (Question 4) Date 4 (2016 / 12 / 27) -Explanation of stock status and options presented 4 options (selling stock D, holding stock D, switching to stock K, switching to stock L) (Question 5) Date 5 (2018 / 2 / 9) Two options (selling held stocks, or postponing the sale of held stocks) Depending on the answers to questions 1 to 5, 4 x 4 x 4 x 4 x 2 = 512 possible valuations will be calculated.

[0265] The stock prices of each stock on each date are 1A, "the closing price of stock A on the date of question 1," 2C, "the closing price of stock C on the date of question 2," and so on. The stock prices at the start of the stock investment simulation are 0A, 0B, 0C, and 0D.

[0266] The advice generating unit 321 calculates the valuation amounts (index-based) of all patterns when the index of each stock at the start of trading is set to 100.

[0267] First, the advice generating unit 321 calculates four valuation amounts for question 1 as of date 1 as follows.

[0268] (1) Case where stock A was sold The sum of 1A x a1 (cash), 1B x b1, 1C x c1, and 1D x d1, or, if index based, the sum of 100 x 1A / 0A, 100 x 1B / 0B, 100 x 1C / 0C, and 100 x 1D / 0D.

[0269] (2) Case where stock A was held The sum of 1A×a1 (stock A), 1B×b1 (stock B), 1C×c1 (stock C), and 1D×d1 (stock D).

[0270] (3) Case of switching from stock A to stock E 1E×e1 E stock (number of E stocks calculated by 1A x a1 ÷ 1E: e1 stocks) Total of 1B×b1, 1C×c1, and 1D×d1.

[0271] (4) Case of switching from stock A to stock F 1F×f1 F stock (number of F stocks calculated by 1A x a1 ÷ 1F: f1 shares) Total of 1B×b1, 1C×c1, and 1D×d1.

[0272] Next, the advice generating unit 321 calculates the evaluation amount of each case branching off from question 1 at the time of question 2 as follows.

[0273] (1) Case where stock A was sold The sum of 1A x a1 (cash), 2B x b1, 2C x c1, and 2D x d1. If on an index basis, it is the sum of 100 x 1A / 0A, 100 x 2B / 0B, 100 x 2C / 0C, and 100 x 2D / 0D.

[0274] (2) Case where stock A was held The sum of 2A×a1 (stock A), 2B×b1, 2C×c1, and 2D×d1.

[0275] (3) Switch to E stock 2E×e1 E stock (number of E stocks calculated by 1A x a1 ÷ 1E: e1 stocks) Total of 2B×b1, 2C×c1, and 2D×d1.

[0276] (4) Switch to F stocks 2F×f1 F stock (1A x a1 ÷ 1F = f1 stock) Total of 2B×b1, 2C×c1, and 2D×d1.

[0277] Similarly, the advice generating unit 321 calculates the valuation amount for each combination by setting the stock price of the stock held or purchased to the stock price on the date of question 3 and question 4. This makes it possible to grasp the transition of the stock valuation amount.

[0278] For example, in case 3 of question 1, because a switch is made from stock A to stock E, the valuation will thereafter fluctuate with the stock price of stock E. For example, in case 3 of question 2, because a switch is made from stock B to stock G, the valuation will initially fluctuate with the stock price of stock B, but after the switch, the valuation will fluctuate with the stock price of stock E.

[0279] In this way, four different valuation transitions are formed for each question. Therefore, depending on the combination, there are 512 possible combinations in this case. In other words, when the user answers each question, there are 512 possible branchings.

[0280] The valuation of each asset changes over time, and there are 512 possible outcomes for the final amount.

[0281] According to the above, it is possible to calculate the valuation amounts for the four cases in question 1 and understand their trends. It is possible to calculate the valuation amounts for the four cases in question 2 and understand their trends. The valuation amounts for the four cases in question 1, the valuation amounts for the four cases in question 2, the valuation amounts for the four cases in question 3, and the valuation amounts for the four cases in question 4 can be calculated using the stock prices at each point in time.

[0282] (Specific examples) For example, in the specific example, the best-case scenario was to choose the third option and sell all three stocks except Recruit in February 2018. The valuation was 10.02 million yen.

[0283] On the other hand, the worst case scenario is when the fourth option is chosen for all the shares. The valuation is 1.12 million yen.

[0284] In other words, all 512 cases fall within the range of 1.12 million yen to 10.2 million yen. Then, the ranking of the final valuation amount can be calculated.

[0285] The best case scenario is, of course, number 1. The worst case scenario is, of course, number 512.

[0286] The answer results will include ranking position, final valuation, valuation trend, final shares and cash held, unrealized gains and losses, trading gains and losses, turnover, diagnosis results, win rate, profit rate if winning, loss rate if losing, valuation figures, advice, and more.

[0287] (Modification) When you select an option according to the date, the valuation trend for that question will be determined. Therefore, it is possible to track the valuation over time. Initially, you can start with just cash. To clarify the compound interest effect, you can further branch out the questions to ask what to do with the stocks that were replaced in the question. This is just one example, and there can be fewer or more questions.

[0288] The more questions there are, the wider the gap becomes, the more branches there are, and the more combinations there are. The more options there are in a question, the closer it is to reality, and the more combinations there are.

[0289] It may include decisions on multiple stocks on the same date, partial sales, etc. It may also include short sales and ETFs.

[0290] (Learning process) Depending on the evaluation, the user may be guided to E-learning materials to improve weak points. For example, if the evaluation shows that profit-taking sales are too quick and the turnover is too high, resulting in poor trading results, the database is checked for related materials, and learning is encouraged by providing links and contents, etc.

[0291] In the advice presentation system 1, depending on the evaluation, the participants are taught learning and theories to strengthen their weaknesses, and through this learning, their practice changes, which in turn changes their trading and evaluation.

[0292] E-learning has a mechanism that prevents you from moving forward unless you take tests and confirmation tests. By linking this mechanism, the system will reinforce weak points, encourage learning, and then engage in practical trading again to improve investment results.

[0293] According to the above, when a user does not know what to learn or how to improve, a learning path can be provided to the user.

[0294] (Effects of the second embodiment) Users can experience how their results (valuation amount) changes, how their evaluations diverge, and how their rankings change depending on their individual buying and selling decisions. Furthermore, users can understand and experience the process by which their personal assets change dynamically and the investment gap widens. In other words, users can experience for themselves how individual buying and selling decisions have a significant impact on their investment results.

[0295] This can stimulate the user's desire to learn about asset management, further increasing the effectiveness of the learning.

[0296] [Embodiment 3] A third embodiment of the present invention will be described below. For ease of explanation, the same reference numerals are given to members having the same functions as those described in the first and second embodiments, and the description thereof will not be repeated.

[0297] In this embodiment, a comprehensive diagnosis performed by the advice presentation system 1 will be described.

[0298] (Definition of Comprehensive Profit and Loss and Comprehensive Diagnosis) The total profit and loss is the sum of unrealized profit and loss and trading profit and loss. The total diagnosis is a diagnosis that combines individual diagnoses of the total profit and loss, unrealized profit and loss, trading profit and loss, etc.

[0299] The advice generating unit 321 performs a comprehensive diagnosis of the user's trading situation by combining individual diagnoses of the total profit / loss, the unrealized profit / loss, and the trading profit / loss.

[0300] (The Significance of Comprehensive Diagnosis) In reality, investment results are the result of a complex combination of factors. A high winning rate of profit usually means low turnover when you win. Conversely, a low loss rate means high turnover, and so on. It is important to comprehensively diagnose these complex factors in order to see the overall picture.

[0301] For example, the larger the trading profit, the more it affects the composition of the unrealized profit, and the clearer the compound interest effect becomes. Conversely, if there is no trading profit, no matter how high the unrealized profit rate is, your funds will not increase as much as you expected. There are also cases where a low winning profit rate can be covered by a high turnover. Each element influences the others in a complex way.

[0302] For example, if the winning rate is low, but the winning profit rate is high and the losing loss rate is low, then the investment is very good. If the winning rate is low, the winning profit rate is low, the losing loss rate is low, and the "winning profit rate + losing loss rate" is negative, then the investment has significantly reduced assets depending on the numbers. Even if the other numbers are the same, a small number can result in a completely different diagnosis, so a comprehensive diagnosis is very important.

[0303] (Effects of comprehensive diagnosis and concrete examples) Even if the results of individual diagnoses alone are not sufficient to determine the cause, accurate diagnostic results can be obtained by combining the results of multiple individual diagnoses to perform a comprehensive diagnosis.

[0304] For example, when it comes to trading profits, the profit is ±0, but unrealized profits are formed, and when you win, you hold the stocks for a long time, so only good stocks remain and bad stocks are quickly abandoned. In this case, you will make a mistaken diagnosis by looking at the results of trading profits and losses alone. This is one example of how an appropriate diagnosis can only be made after making a comprehensive judgment that includes a diagnosis of unrealized profits and losses and an analysis of winning patterns.

[0305] Some people are able to make money from their winning rate and manage their investments well, even if their turnover is high, their holding period is short, and their winning profit rate and losing loss rate are low. Another example is that even if the diagnosis is not very good individually, if there are other outstanding aspects, the overall diagnosis result will be good.

[0306] These specific examples produce diagnostic results that are opposite to those of individual diagnoses, and are the reason why a comprehensive diagnosis is necessary.

[0307] (Comprehensive diagnostic process) The total profit and loss, i.e. unrealized profit and loss and profit and loss on purchase and sale, is formed by the intertwining of various factors. The annual rate of increase in principal is determined by even more complex factors, and even if the same results are achieved, there are various types and circumstances. Diagnosing the complex factors is essential for analyzing the situation, and this process is performed by combining various evaluation indicators.

[0308] (About type-specific diagnosis) Type-specific diagnosis is one of the methods of comprehensive diagnosis performed by the advice presentation system 1. In the process of type-specific diagnosis, the advice generation unit 321 calculates various evaluation indexes, determines a combination of the evaluation indexes (a range of two or more evaluation indexes), and then classifies the buying and selling status of the user according to the numerical values ​​of the evaluation indexes.

[0309] It is possible to classify trading conditions into types by combining various indicators. The types that result from the classification are defined as types.

[0310] There are various types. They can be broadly categorized or finely categorized. The elements necessary to determine the type are the various evaluation indicators such as the above-mentioned rotational force and winning profit rate. Types can be classified by how the various evaluation indicators are combined.

[0311] The various types are decided because it is possible to fit them to a certain extent by combining evaluation indicators. By simply changing the numbers in the separators, a type can change from A to B, and the divisions that were previously rough and unclear can now be clearly divided by numbers, making it possible to manage each type.

[0312] (Specific examples of type classification) Short-term day trading types have very high turnover, with capital turnover times ranging from one to several days, and their winning profit rate and losing loss rate are both sufficiently small, with the winning rate being the determining factor in profitability.

[0313] The short-term swing trade type has a high turnover rate, with the principal turnover period being about one week (4 to 14 days, etc.), and the winning profit rate and losing loss rate are small at around 5%, so here too the winning rate is the determining factor for profitability.

[0314] The large price fluctuation type has low turnover, but their assets are increasing because their winning profit rate overwhelmingly exceeds their losing loss rate.

[0315] The long-term fixed type has low turnover, an average holding period of over 360 days, and is dominated by unrealized gains and losses rather than trading gains and losses. The breakdown of unrealized gains and losses is also large, with both the winning profit rate (unrealized) and losing loss rate (unrealized) large, and this type is unable to sell.

[0316] The frozen type has low turnover, a high loss rate, a low profit rate, and is carrying unrealized losses.

[0317] What is important is that the types are classified according to a combination of evaluation indicators, and a line can be drawn based on an objective number. This can be derived by combining multiple line-drawings shown in each individual diagnosis.

[0318] For example, if the evaluation value with rotational power diagnosis is within 3 days and the winning pattern analysis has a high weight (50% or more), this is pattern 1. In any case, this is a type that achieves results through operations that make use of rotation, and is positioned as a trend-following, high-turnover type.

[0319] Various combinations are possible, and the combination methods can be freely used to create many different types. The various evaluation indices that are the basis of individual diagnoses can provide sufficient diagnostic results on their own, but by utilizing these combinations, even more in-depth analysis becomes possible, and the diagnosis becomes deeper and more precise.

[0320] For example, in the individual diagnosis, the turnover force is between 7 and 30 days, the winning profit rate is over 20%, and the losing loss rate is kept within 10%. There are 200 people in total who are of this type, and all of them have a high rate of increase in principal, with 70% of them increasing their assets at 20% or more per year, and the average increase being 25% per year. This makes it possible to diagnose and analyze by type.

[0321] (Effects of type-specific diagnosis) The effects of type-specific diagnosis include making the user's own type clearer, making it easier to compare with others, and letting the user know that there are various ways to improve. In particular, by comparing and ranking with people of the same type, the user's own position becomes clear, and a guidepost for improvement is provided.

[0322] (Ranking by type, comparison) One of the methods of comprehensive diagnosis performed by the advice presentation system 1 is to compare and rank evaluation values ​​including principal increase / decrease rates among types categorized by multiple factors. The advice generation unit 321 compares and ranks the above evaluation values ​​of users for each type classified according to the numerical values ​​of multiple evaluation indexes.

[0323] By ranking and comparing the above evaluation values ​​for each type, it becomes possible to compare and rank the above evaluation values ​​among groups that perform similar activities.

[0324] It is possible to learn from others how to improve in a similar way. For example, people who are achieving good results in swing trading types refer to which numbers are good.

[0325] (Ranking by type, comparison effect) By calculating the above evaluation values ​​for each type, it is expected that it will become clear which types are superior and which types are inferior. For example, the average principal increase rate (annual rate) for swing trade types is 10%, but the average principal increase rate (annual rate) for large price fluctuation types is 25%, and fewer people fail.

[0326] For example, if the numbers of the person who brings the best results among the above types are very high win rate, high winning profit rate, and mostly win patterns of 1, the user can compare the numbers with his / her own numbers and try to improve the numbers that are inferior. Also, it is easy to compare with others, such as numbers that were good overall but average for the user's own type, and deeper analysis is possible.

[0327] (Example of diagnostic result report) Below is an example of a report of the diagnosis results for the user's trading situation. Note that (dynamic change) below refers to text or numbers that change dynamically depending on the user's trading data.

[0328] Below is an example of a comprehensive diagnostic report. ◎Comprehensive diagnosis ☆ Type-specific diagnosis Mr. A's trading type was determined to be a swing trading type (dynamic changes). ☆Type Description The swing trade type (dynamic change) is a short-term swing trade type with high turnover, the principal turnover period is about one week (4 to 14 days, etc.), and the winning profit rate and losing loss rate are small at around 5%, so the winning rate is also a determining factor for profitability. ☆Your ranking among swing trade types (principal increase / decrease rate (annual simple interest) is 3rd out of 100 (dynamic change)). ☆Type ranking (comparison based on average principal increase / decrease rate (annual simple interest)) 25th out of 50 types (dynamic change) ☆Your overall ranking is 250th out of 1000 people (dynamic change). ☆Combination diagnosis Calculation formula for trading profit and unrealized profit / loss (dynamic changes) ☆Comparison with average values ​​(dynamic changes) ☆Excellent values ​​(dynamic changes) ☆Poor values ​​(dynamic changes) ☆ Overall diagnosis results (dynamic changes) This is an excellent ranking of 3rd place among swing traders, but overall it is only 250th out of 1,000 people, so there seems to be plenty of room for improvement.

[0329] Particularly good numbers are rotational power and win rate, while poor numbers are the result of low win profit margins.

[0330] Below is an example of an individual diagnostic result report. ◎ Individual diagnosis ☆Rotational force diagnosis Diagnostic results (dynamic changes) Evaluation Numerical Table (Dynamic Change) Description (Dynamic Change) ☆ Profitability Diagnosis ☆Loss rate diagnosis ☆Winning Pattern Analysis ☆Loss pattern analysis ☆ Trading profit and loss analysis ☆Unrealized profit and loss analysis ☆ Overall profit and loss analysis [Software implementation example] The control blocks of the terminal 2 and the server 3 (particularly, the control unit 22, the control unit 32, and the advice generation unit 321) may be realized by a logic circuit (hardware) formed in an integrated circuit (IC chip) or the like, or may be realized by software.

[0331] In the latter case, the terminal 2 and the server 3 are each equipped with a computer that executes instructions of a program, which is software that realizes each function. This computer is equipped with, for example, one or more processors, and a computer-readable recording medium that stores the program. In the computer, the processor reads the program from the recording medium and executes it, thereby achieving the object of the present invention. The processor may be, for example, a CPU (Central Processing Unit). The recording medium may be a "non-transitory tangible medium," such as a ROM (Read Only Memory), as well as a tape, a disk, a card, a semiconductor memory, a programmable logic circuit, etc. The program may further include a RAM (Random Access Memory) for expanding the program. The program may be supplied to the computer via any possible transmission medium (such as a communication network or a broadcast wave). Note that one aspect of the present invention may also be realized in the form of a data signal embedded in a carrier wave, in which the program is embodied by electronic transmission.

[0332] [Additional Note 1] An information generating device according to one embodiment of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and is equipped with an information generating unit that acquires buying and selling data of the investment products, acquires basic data from the acquired buying and selling data, calculates evaluation indexes related to buying and selling profits and losses and unrealized profits and losses from the acquired basic data, acquires an evaluation index related to overall profits and losses from the calculated evaluation indexes, and generates information indicative of the acquired evaluation indexes.

[0333] According to the above configuration, it is possible to provide an evaluation of the trading data of an investment product, in particular, an evaluation of the total profit and loss, which is the sum of the trading profit and loss and the unrealized profit and loss, can be provided.

[0334] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may calculate an evaluation index including a buying and selling profit and loss from the basic data as an evaluation index related to the unrealized profit and loss, and generate information indicating the calculated evaluation index.

[0335] According to the above configuration, it is possible to provide an evaluation of the overall profit and loss that takes into account the profit and loss from buying and selling. In particular, it is possible to provide a simple evaluation.

[0336] In addition, in an information generating device according to one embodiment of the present invention, the information generating unit may calculate an evaluation index including a trading profit / loss and a winning profit rate or a losing loss rate from the basic data as an evaluation index relating to the unrealized profit / loss, and generate information indicating the calculated evaluation index.

[0337] According to the above configuration, it is possible to provide an evaluation of the overall profit and loss that takes into account the trading profit and loss and the winning profit rate or losing loss rate.

[0338] In addition, in an information generating device according to one embodiment of the present invention, the information generating unit may calculate an evaluation index including a trading profit / loss, a winning profit rate or a losing loss rate, and a cash ratio from the basic data as an evaluation index related to the unrealized profit / loss, and generate information indicating the calculated evaluation index.

[0339] According to the above configuration, it is possible to provide an evaluation of the overall profit and loss, taking into account the profit and loss on trading, the winning profit rate or the losing loss rate, and the cash ratio.

[0340] In addition, in an information generating device according to one embodiment of the present invention, the information generating unit may calculate evaluation indices including a buying and selling profit and loss, a winning profit rate or a losing loss rate, a cash ratio, and a purchase winning weight from the basic data as evaluation indices related to the unrealized profit and loss, and generate information indicating the calculated evaluation indices.

[0341] According to the above configuration, it is possible to provide an evaluation of the overall profit and loss that takes into account the profit and loss on buying and selling, the winning profit rate or the losing loss rate, the cash ratio, and the purchase winning weighting.

[0342] In addition, in an information generating device according to one embodiment of the present invention, the information generating unit may calculate an evaluation index including a buying and selling profit and loss, a winning profit rate or a losing loss rate, a cash ratio, a purchase winning weight, and a principal from the basic data as an evaluation index related to the unrealized profit and loss, and generate information indicating the calculated evaluation index.

[0343] According to the above configuration, it is possible to provide an evaluation of the overall profit and loss, taking into account the profit and loss on purchases, the winning profit rate or the losing loss rate, the cash ratio, the purchase winning weight, and the principal.

[0344] In the information generating device according to an aspect of the present invention, the information generating unit may generate information indicating an index with a low evaluation from among the plurality of evaluation indexes related to the unrealized profit and loss.

[0345] According to the above configuration, since information indicating indices with low evaluations is generated with priority, the user can focus on the more problematic indices and efficiently improve the overall profit and loss.

[0346] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may generate information indicating a diagnosis, a ranking, a comparison, or advice using an evaluation index relating to the total profit and loss or the unrealized profit and loss.

[0347] According to the above configuration, it is possible to provide the user with meaningful information by using an evaluation index relating to total profit and loss or unrealized profit and loss.

[0348] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may calculate a purchase price, a product valuation amount, and a benchmark valuation amount from the basic data, compare the purchase price, the product valuation amount, and the benchmark valuation amount, and generate information indicating a diagnosis or advice regarding the asset status based on the comparison result.

[0349] According to the above configuration, it is possible to provide a diagnosis or advice regarding asset status that takes into account not only fluctuations in the valuation amount of an investment product but also a comparison of the valuation amount of the investment product with that of a benchmark.

[0350] In addition, in an information generating device according to one embodiment of the present invention, the information generating unit may obtain uncountered trading data from the trading data, classify the uncountered trading data into patterns according to the current price, purchase price, rate of change, and benchmark rate of change of the investment product held, calculate the purchase price or product valuation amount for each pattern from the uncountered trading data, and generate information indicating a diagnosis or advice regarding the asset status according to the ratio of the purchase price or product valuation amount for each pattern.

[0351] According to the above configuration, it is possible to provide a diagnosis or advice regarding asset status that takes into account the current price, purchase price, rate of change, and monetary ratio for each pattern according to the rate of change of the benchmark for the products held.

[0352] [Additional Note 2] An information generating device according to one embodiment of the present invention is an information generating device that generates information regarding past virtual trading of investment products, and has an information generating unit that obtains initial conditions including the start time of the virtual trading and the assumed holdings of the investment product and cash at the start time, and uses the initial conditions to sequentially generate two or more question screens including dates of events that have occurred after the start time, as well as questions and options regarding the trading of the investment product.

[0353] According to the above configuration, a user is asked a question regarding past buying and selling of investment products, and by selecting one answer from a selection of options, the user can virtually experience past buying and selling of investment products.

[0354] In the information generating device according to an aspect of the present invention, the question screen may further include the event.

[0355] According to the above configuration, since the user can check events that have occurred in the past, it is possible to provide the user with information to help them make decisions regarding the buying and selling of investment products.

[0356] In addition, in the information generating device according to one aspect of the present invention, the question screen may further include an appraised value of assets held, including the investment product and cash, on the date of the event.

[0357] According to the above configuration, it is possible to provide an evaluation of past virtual trading data of investment products.

[0358] In addition, in an information generating device according to one embodiment of the present invention, the information generating unit may set the valuation amount of each investment product on the date of the first event to 100, and calculate the valuation amount of each investment product on the date of the second or subsequent event as an index relative to 100.

[0359] According to the above configuration, the valuation amount of each investment product is set to 100 on the date of the first event, and the valuation amount on the dates of the second and subsequent events is calculated as an index relative to 100, so that the user can intuitively grasp the progress of the valuation amount of each investment product and the comparison results.

[0360] Furthermore, an information generation system according to one aspect of the present invention is an information presentation system including the information generation device and a terminal device, wherein the terminal device presents the information generated by the information generation unit to a user.

[0361] According to the above configuration, it is possible to provide an evaluation of trading data of investment products.

[0362] [Additional Note 3] In order to solve the above problems, an information generating device according to one embodiment of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and is equipped with an acquisition unit that acquires buying and selling data of the investment products, a calculation unit that calculates evaluation indexes related to buying and selling profits and losses and unrealized profits and losses from the acquired buying and selling data, and an information generating unit that classifies the buying and selling data into types according to the combination of the calculated evaluation indexes, and generates information regarding diagnosis for each type.

[0363] According to the above configuration, since information relating to diagnosis is generated for each type of trading data of investment products, it is possible to provide type-specific diagnosis.

[0364] In addition, in the information generating device according to one aspect of the present invention, the information generating unit may classify the trading data into types according to a combination of evaluation indexes including turnover and winning profit rate.

[0365] According to the above configuration, since the evaluation index includes turnover power and winning profit rate, the type classification of the trading data of the investment product can be appropriately performed.

[0366] In addition, in the information generating device according to one aspect of the present invention, the information generating unit may classify the trading data into types according to a combination of evaluation indexes further including the number of days for principal turnover and a loss rate.

[0367] According to the above configuration, since the evaluation index further includes the number of days for turning over the principal and the loss rate, it is possible to more appropriately classify the types of trading data of investment products.

[0368] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may classify the trading data into types according to a combination of evaluation indexes that further include a rotational force diagnosis and a winning pattern analysis weight.

[0369] According to the above configuration, since the evaluation index further includes a turnover force diagnosis and a winning pattern analysis weight, it is possible to more appropriately classify the types of trading data of investment products.

[0370] In the information generating device according to an aspect of the present invention, the information generating section may compare and rank the classified types in terms of evaluation indices.

[0371] According to the above configuration, trading data of investment products can be evaluated among the classified types.

[0372] In addition, in the information generating device according to an aspect of the present invention, the information generating section may compare and rank the evaluation indices for each classified type.

[0373] According to the above configuration, it is possible to evaluate trading data of investment products for each classified type.

[0374] Furthermore, an information presentation system according to one aspect of the present invention is an information presentation system including the information generation device and a terminal device, wherein the terminal device presents the information generated by the information generation unit to a user.

[0375] According to the above configuration, since information relating to diagnosis is generated for each type of trading data of investment products, it is possible to provide type-specific diagnosis. [Additional Note 4] In order to solve the above problems, an information generating device according to one embodiment of the present invention is an information generating device that generates information regarding virtual trading of investment products, and includes an information generating unit that generates a plurality of options regarding the trading of investment products, and calculates the asset value of the investment product virtually held as a result of selection of the options. According to the above configuration, it is possible to virtually know how the amount of assets held will change through virtual buying and selling of investment products. In the information generating device according to an aspect of the present invention, the information generating section may calculate the asset holding amounts for the number of options. According to the above configuration, the more the number of options increases, the more the amount of assets held changes. In addition, in the information generating device according to one aspect of the present invention, the options may include selling, continuing to hold, and replacing the investment product. According to the above configuration, it is possible to know how the amount of assets held changes due to the sale, continued holding, and replacement of investment products. In addition, a virtual trading method according to one embodiment of the present invention displays a plurality of options for virtual trading based on past stock prices on a display means of a communication terminal, selects one option to conduct a virtual stock trade, and calculates the value of assets held after the virtual trade. According to the above configuration, it is possible to virtually know how the amount of assets held will change through virtual buying and selling of investment products. [Additional Note 5] In order to solve the above problems, an information generating device according to one embodiment of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates an evaluation index from the acquired user buying and selling data, and an information generating unit that classifies the user's buying and selling status into types corresponding to the combination of the calculated evaluation indexes, and generates an explanation of the type for the user's buying and selling status. In addition, an information generating device according to one embodiment of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates an evaluation index from the acquired user buying and selling data, and an information generating unit that classifies the user's buying and selling status into types corresponding to the combination of the calculated evaluation indexes, diagnoses the user's buying and selling status, and generates information regarding the diagnosis. In addition, an information generating device according to one embodiment of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates an evaluation index from the acquired user buying and selling data, and an information generating unit that classifies users who have bought and sold the investment products into types according to the combination of the calculated evaluation indexes, and generates information regarding diagnosis for each type. In addition, an information generating device according to one embodiment of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates an evaluation index regarding buying and selling profits and losses and an evaluation index regarding unrealized profits and losses from the acquired user buying and selling data, and an information generating unit that classifies users who have bought and sold the investment products into types according to the combination of the calculated evaluation indexes, and generates information regarding diagnoses for each type. In addition, an information generating device according to one embodiment of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates an evaluation index related to the number of times that a traded stock is bought and sold and an evaluation index related to the average holding period of the traded stock from the acquired user buying and selling data, and an information generating unit that classifies users who have bought and sold the investment products into types according to the combination of the calculated evaluation indexes, and generates information regarding diagnoses for each type. In the information generating device according to an aspect of the present invention, one of the evaluation indexes included in the combination of evaluation indexes may be a cash ratio. In the information generating device according to an aspect of the present invention, one of the evaluation indexes included in the combination of evaluation indexes may be an average holding period for traded issues. In addition, in an information generating device according to one aspect of the present invention, the information generating unit may classify the buying and selling situation into types according to combinations of the evaluation indexes including turnover and winning profit rate. In addition, in an information generating device according to one aspect of the present invention, the information generating unit may classify the trading situation into a type according to a combination of the evaluation indexes further including the number of days for principal turnover and a loss rate. In addition, in an information generating device according to one aspect of the present invention, the information generating unit may classify the buying and selling situation into a type according to a combination of the evaluation indexes further including a rotational force diagnosis and a winning pattern analysis weight. In the information generating device according to an aspect of the present invention, the information generating section may compare and rank the classified types with respect to each of the evaluation indexes. In the information generating device according to an aspect of the present invention, the information generating section may compare and rank the evaluation indexes for each classified type. In addition, an information generation system according to one aspect of the present invention is an information generation system including an information generation device described in each of the above aspects and a terminal device, and the terminal device may be configured to display information generated by the information generation device on the terminal device itself. Furthermore, an information generation program according to one aspect of the present invention may be an information generation program for causing a computer to function as the information generation device described in each of the above aspects, and may be configured to cause a computer to function as the above-mentioned information generation unit.

[0376] The present invention is not limited to the above-described embodiments, and various modifications are possible within the scope of the claims. Embodiments obtained by appropriately combining the technical means disclosed in different embodiments are also included in the technical scope of the present invention. [Explanation of symbols]

[0377] 1 Advice presentation system (information presentation system) 2 Terminal (Terminal Device) 3. Server (information generating device) 4. Network 321 Advice Generation Unit (Information Generation Unit)

Claims

[Claim 1] An information generating device that generates information regarding buying and selling of investment products, An acquisition unit for acquiring trading data of investment products; A calculation unit that calculates an evaluation index related to trading profit and loss and an evaluation index related to unrealized profit and loss from the acquired trading data; an information generating unit that classifies investors who have traded the investment product into types according to the combination of the calculated evaluation indexes, and generates information regarding diagnosis for each type; An information presentation device comprising:

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