Program, information processing apparatus, and information processing method

Abstract

To provide a program, an information processing apparatus, and an information method for allowing a user to arbitrarily adjust brands demanded by the user and the percentages thereof, and reducing the time and effort of the user in ordering a plurality of brands.SOLUTION: In an information processing system, a program causes a terminal to execute: a procedure of receiving an operation of a user designating a target portfolio including information on brands and a composition ratio thereof; a procedure of receiving, from the user, an instruction for one of rebalance, deposit, and withdrawal; a procedure of calculating a target amount for each of the brands by multiplying the amount based on the amount currently held by the composition ratio of the brands of the target portfolio, and determining the quantity to be sold or purchased for each of the brands on the basis of a difference between the calculated target amount and the amount of a current portfolio.SELECTED DRAWING: Figure 9

Description

[Technical field]

[0001] The present invention relates to a program, an information processing device, and an information processing method. [Background technology]

[0002] Applications for managing stocks and placing orders have been developed. For example, Patent Document 1 and Patent Document 2 disclose a system in which the system determines an ideal target portfolio (stock names and their composition ratios) based on the investment type, and rebalances the composition ratios to approach the target portfolio. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2006-268557 A [Patent Document 2] JP 2018-036928 A [Patent Document 3] International Publication No. 2016136277 Summary of the Invention [Problem to be solved by the invention]

[0004] However, conventional technology does not allow users to individually select stocks and their composition ratios, making it difficult for users to arbitrarily adjust the stocks they want to hold and their composition ratios, and also difficult for users to do so at the timing they desire. Also, Patent Document 3 discloses a function for adjusting stocks held by a user on a pie chart for buying and selling. However, in Patent Document 3, since a single buy or sell order is placed by manipulating the target stock in the pie chart, only one stock can be ordered at a time, and there is a problem that placing orders for multiple stocks requires a lot of work for the user.

[0005] The present invention has been made in consideration of the above-mentioned problems, and aims to provide a program, an information processing device, and an information processing method that allow a user to freely adjust the stocks they wish to hold and their ratios, and that reduces the user's effort when placing orders for multiple stocks. [Means for solving the problem]

[0006] A program relating to a first aspect of the present invention is a program for causing a computer to execute the steps of: accepting an operation by a user to specify a target portfolio including information on stocks and their composition ratios; accepting one of instructions from the user, from among rebalancing, deposit, and withdrawal; calculating a target amount for each stock by multiplying an amount based on the current holding amount by the composition ratio of each stock in the target portfolio, and determining a buying and selling amount or buying and selling quantity for each stock based on the difference between the calculated target amount and the amount of the holding portfolio.

[0007] A program according to a second aspect of the present invention is a program according to the first aspect, wherein the amount based on the current holdings amount is an amount corresponding to the current holdings amount in the case of a rebalancing instruction, the amount based on the current holdings amount is an amount corresponding to the current holdings amount plus the deposit amount in the case of a deposit instruction, and the amount based on the current holdings amount is an amount corresponding to the current holdings amount minus the withdrawal amount in the case of a withdrawal instruction.

[0008] A program according to a third aspect of the present invention is a program according to the first or second aspect, wherein the deposit instruction is to execute a deposit, and when a deposit is made, a procedure is executed to determine the trading amount or trading quantity for each stock.

[0009] A program according to a fourth aspect of the present invention is a program according to any one of the first to third aspects, which further executes the steps of outputting information for presenting the current holding ratio, target ratio, and required ratio adjustment range for each stock on a rebalancing instruction screen, and outputting information for presenting the buying and selling amount or quantity and expected profit and loss for each stock on a rebalancing order screen.

[0010] A program according to a fifth aspect of the present invention is a program according to any one of the first to fourth aspects, which further executes the following steps when a user's operation to select another user is received: a step of requesting the other user's portfolio from a computer system; a step of receiving information regarding the other user's portfolio from the computer system in response to the requesting step; a step of outputting information for presenting the other user's portfolio in a viewable manner using the received information regarding the other user's portfolio; and a step of outputting information for presenting the stocks and their composition ratios included in the other user's portfolio as the user's portfolio in response to a user's operation to copy the other user's portfolio.

[0011] A program according to a sixth aspect of the present invention is a program according to the fifth aspect, which further executes, after the step of outputting information to be presented as the user's portfolio, a step of adjusting the composition ratio and / or executing a process of adding or deleting stocks in response to user operation.

[0012] A program according to a seventh aspect of the present invention is a program according to any one of the first to sixth aspects, which further executes a procedure of outputting information for presenting multiple users who are investing in a specific stock in order of the composition ratio within a target portfolio, or in order of the date on which the specific stock was added or the composition ratio of the specific stock was changed.

[0013] A program according to an eighth aspect of the present invention is a program according to any one of the first to seventh aspects, which further executes a procedure for outputting information for presenting the change history in the form of a combination of the stock logo and one of three categories: addition, deletion, or editing, when displaying the change history of another user's portfolio.

[0014] A program according to a ninth aspect of the present invention is a program according to any one of the first to eighth aspects, wherein in the step of determining the trading amount or volume for each stock, the trading amount or volume for each stock is determined based on the price of the stock at the time when one of instructions for rebalancing, deposit, or withdrawal is received from the user for each stock.

[0015] An information processing device according to a tenth aspect of the present invention has at least one processor, and the at least one processor executes the steps of: accepting an operation by a user to specify a target portfolio including information regarding stocks and their composition ratios; accepting one of instructions from the user, from among rebalancing, deposit, and withdrawal; calculating a target amount for each stock by multiplying an amount based on the current holding amount by the composition ratio of each stock in the target portfolio, and determining a buying and selling amount or buying and selling quantity for each stock based on the difference between the calculated target amount and the amount of the held portfolio.

[0016] An information processing method according to an eleventh aspect of the present invention includes a step of accepting an operation by a user to specify a target portfolio including information on stocks and their composition ratios; a step of accepting one of instructions from the user to rebalance, deposit, or withdraw; a step of calculating a target amount for each stock by multiplying an amount based on the current holding amount by the composition ratio of each stock in the target portfolio, and determining a buying and selling amount or buying and selling quantity for each stock based on the difference between the calculated target amount and the amount of the held portfolio. Effect of the Invention

[0017] According to one aspect of the present invention, a user can specify a target portfolio including information on stocks and their composition ratios, so that the user can freely adjust the stocks and their ratios that he or she wishes to hold. Furthermore, when the user issues an instruction for one of rebalancing, deposit, or withdrawal, the order contents for multiple stocks are determined, so that the user's effort in placing orders for multiple stocks can be reduced. [Brief description of the drawings]

[0018] [Figure 1] 1 is a schematic configuration diagram of an information processing system according to an embodiment of the present invention. [Diagram 2] FIG. 2 is a diagram illustrating an example of a schematic configuration of a terminal according to the present embodiment. [Diagram 3] FIG. 1 is a diagram illustrating an example of a schematic configuration of a computer system according to an embodiment of the present invention. [Figure 4] 2 is an example of a table stored in the storage device 23 of the computer system 2. [Diagram 5] 13 is an example of a screen showing a user's portfolio. [Figure 6] 13 is an example of a screen during adjustment of a target portfolio. [Figure 7] FIG. 13 is a schematic diagram showing an image of calculation of balance, deposit, and order amount at the time of withdrawal. [Figure 8] 13 is an example of a screen related to rebalancing processing. [Figure 9] 13 is a flowchart showing an example of a processing flow of a terminal. [Figure 10] 13 is an example of a screen showing a list of users who have invested in a specific stock. [Figure 11] 13 is an example of an account screen of another user. [Figure 12] 13 is an example of a portfolio comparison screen. [Figure 13] 13 is an example of a change history summary screen of another user's portfolio. [Figure 14] 13 is an example of a management screen for a user to manage his / her own portfolio. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0019] Hereinafter, each embodiment will be described with reference to the drawings. However, more detailed description than necessary may be omitted. For example, detailed description of already well-known matters or duplicate description of substantially the same configuration may be omitted. This is to avoid the following description becoming unnecessarily redundant and to facilitate understanding by those skilled in the art.

[0020] In addition to the above problems, conventional technologies also have the problem that it is difficult for users to adjust the stocks they want to hold and their composition ratios at the timing they want. In this embodiment, when the users specify each stock that constitutes the total stocks they own and the ratio of each stock to the total stocks, the order contents (i.e., the buy or sell of each stock and the quantity) are determined according to each specified stock and ratio, and orders can be made with this order content, thereby solving this problem.

[0021] Fig. 1 is a schematic configuration diagram of an information processing system according to this embodiment. As shown in Fig. 1, the information processing system S includes terminals 1-1 to 1-N (N is a natural number) according to an embodiment of an information processing device of the present invention, and a computer system 2 connected via a communication network CN.

[0022] The terminals 1-1 to 1-N are used by different users, and are, for example, mobile phones such as multi-function mobile phones (so-called smartphones), tablets, notebook computers, or desktop computers. In this embodiment, an application according to an embodiment of the program of the present invention is installed in the terminals 1-1 to 1-N. Hereinafter, the terminals 1-1 to 1-N are also collectively referred to as terminals 1. In this embodiment, the terminal 1 will be described as a smartphone, as an example.

[0023] The computer system 2 is used by a management organization that manages the information processing system S according to this embodiment, and is, for example, a server. The computer system 2 provides information to the terminals 1-1 to 1-N. The computer system 2 may be a single computer, or may be composed of multiple computers.

[0024] 2 is a schematic diagram of a terminal according to the present embodiment. As shown in FIG. 2, the terminal 1 includes, for example, an input interface 11, a communication module 12, a storage device 13, a memory 14, a display 15, and a processor 16. The input interface 11 receives an input from a user, and outputs to the processor 16 an input signal corresponding to the received input. The communication module 12 is connected to a communication network CN for communicating with a computer system 2 which is also connected to the communication network CN. This communication may be wired or wireless, but will be described as being wireless.

[0025] The storage device 13 stores an application and various data according to an embodiment of the program of the present invention. As an example, this application is downloaded via the Internet and stored in the storage device 13. This application is an application for a user to make an investment, and the user can freely select the stocks he or she wants to hold, and can freely adjust the composition ratio of each stock within a total of 100% for a portfolio composed of the selected multiple stocks, and set a target portfolio. Here, the stocks may include at least one of investment targets such as individual stocks, bonds, ETFs (Exchange Traded Funds), investment trusts (e.g., real estate investment trusts, etc.), legal tender, virtual currencies, and commodities (e.g., precious metals such as gold and platinum, energy such as crude oil, or agricultural products, etc.). In this embodiment, the following description will be given assuming that the stocks are individual stocks and ETFs as examples. Furthermore, this application executes sell and / or buy orders in response to a user's instruction so that the ratio of the actual portfolio approaches the set target portfolio. Here, the user's instruction includes instructions for deposit and deposit amount, instructions for withdrawal and withdrawal amount, and instructions for rebalancing.

[0026] The memory 14 temporarily holds data and programs. The memory 14 is a volatile memory, such as a random access memory (RAM). The display 15 displays information according to instructions from the processor 16. The display 17 may be built into the terminal 1 or may be connected externally.

[0027] The processor 16 loads an application from the storage device 13 into the memory 14 and executes a series of instructions contained in the application to display various screens, which will be described later. The detailed processing will be described later.

[0028] Although the terminal 1 will be described as having one processor 16 as an example, the terminal 1 may have two or more processors, and it is sufficient that the terminal 1 has at least one processor.

[0029] 3 is a schematic diagram of a computer system according to the present embodiment. As shown in FIG. 3, the computer system 2 includes an input interface 21, a communication module 22, a storage device 23, a memory 24, an output interface 25, and a processor 26. The input interface 21 receives an input from an administrator of the computer system 2 (eg, an employee of a management organization), and outputs an input signal to the processor 26 in accordance with the received input. The communication module 22 is connected to the communication network CN and communicates with the terminals 1-1 to 1-N. This communication may be wired or wireless, but the following description will assume that it is wired.

[0030] The storage device 23 stores various data and programs to be read and executed by the processor 26. The storage device 23 also stores a user ID, which is information for identifying a user, and a target portfolio of the user in association with each other. The memory 24 temporarily holds data and programs and is a volatile memory, such as a random access memory (RAM). The output interface 25 can be connected to an external device and can output a signal to the external device.

[0031] The processor 26 loads a program from the storage device 23 into the memory 24 and executes a series of instructions contained in the program.

[0032] FIG. 4 is an example of a table stored in the storage device 23 of the computer system 2. As shown in FIG. 4, table T1 stores records of pairs of a user ID, which is information for identifying a user, and the target portfolio of the user. Here, the target portfolio includes information regarding the stocks selected by the user and their composition ratios. In the example of FIG. 4, the target portfolio for user ID "00001abc" is 50% stocks with stock code AAAA, 20% stocks with stock code BBBB, 10% stocks with stock code CCCC, 10% stocks with stock code DDDD, and 10% stocks with stock code EEEE. This allows the terminal 1 to refer to the target portfolios of other users.

[0033] <User usage flow (first time)> The flow of use by a first-time user is as follows: In the following, the processing of the processor 16 of the terminal 1 will be described, and the processor 16 will be omitted. (Step S1) The terminal 1 accepts a user's selection of a stock in which he or she wishes to invest. (Step S2) The terminal 1 initially displays the selected brands in an evenly divided composition ratio. (Step S3) The terminal 1 accepts adjustment of the ratio of each brand to the composition ratio desired by the user himself. (Step S4) After the user has finalized the portfolio, the terminal 1 becomes capable of accepting order instructions. (Step S5) After confirming the deposit, the terminal 1 reserves, for example, a commission restriction amount from the deposit amount for the purpose of collecting commission, and sends to the computer system 2 an instruction to place a buy order for each stock at an amount obtained by multiplying the amount obtained by subtracting the commission restriction amount from the deposit amount by the ratio of each stock.

[0034] This causes a screen showing the user's portfolio to be displayed, as shown in Fig. 5. Fig. 5 is an example of a screen showing a user's portfolio. As shown in Fig. 5, on screen G1 of terminal 1, stocks in the portfolio currently held by the user and their composition ratios are displayed in a pie chart. Screen G1 also shows the investment profit and loss of each stock in the portfolio.

[0035] <User usage flow (other than the first time)> As an optional process, terminal 1 accepts operations from the user to add, delete, or adjust the ratio of multiple stocks that the user already holds, and after the user selects a stock, accepts operations from the user to adjust the holding ratio of each stock within 100%. For example, on the adjustment confirmation screen, terminal 1 displays only the changing ratio and does not display the amount. As shown in FIG. 6, if the total of the ratios does not equal 100%, the terminal 1 displays by how much the ratio must be decreased or increased to reach 100%.

[0036] FIG. 6 is an example of a screen when the target portfolio is being adjusted. Screen G21 in FIG. 6 is an example of a screen when the total of the ratios is less than 100%. In screen G21, "Add 36% to make it 100%" is displayed in the center of the pie chart along with the total ratio of the target portfolio. On the other hand, screen G21 in FIG. 6 is an example of a screen when the total of the ratios exceeds 100%. In screen G22, "Remove 37% to make it 100%" is displayed in the center of the pie chart along with the total ratio of the target portfolio.

[0037] Screen G23 in Fig. 6 is an example of a screen that appears when scrolling down when the total ratio is less than 100%. A banner at the top of screen G23 displays the total ratio of the target portfolio along with the message "Add 40% to make it 100%." On the other hand, screen G24 in Fig. 6 is an example of a screen that appears when scrolling down when the total ratio exceeds 100%. A banner is displayed at the top of screen G24 saying "Delete 37% to make it 100%" along with the total ratio of the target portfolio.

[0038] <Calculation principle of order amount when rebalancing, depositing, and withdrawing> FIG. 7 is a schematic diagram showing an image of calculation of order amounts at the time of rebalancing, deposit, and withdrawal. As shown in FIG. 7, when a user instructs rebalancing, the processor 16 of the terminal 1, for example, binds a fee binding amount from the current holding amount for fee collection, calculates a target amount (also called a target amount) for each stock by multiplying the amount obtained by subtracting the fee binding amount from the current holding amount by the ratio of each stock in the target portfolio, and determines the buying and selling amount or buying and selling quantity based on the difference between the target amount calculated for each stock and the amount of the holding portfolio. Here, the difference may be the buying and selling amount, or the buying and selling amount may be an amount obtained by increasing or decreasing the amount of a buffer from the difference so that the user does not run out of money. Also, the amount corresponding to the difference may be the buying and selling quantity, or the amount corresponding to the amount obtained by increasing or decreasing the amount of a buffer from the difference so that the user does not run out of money may be the buying and selling quantity.

[0039] As shown in Figure 7, when a user deposits money into a securities account, the processor 16 of the terminal 1, for example, reserves a commission binding amount from the amount obtained by adding the deposited amount to the current holding amount in order to collect commission, calculates a target amount for each stock by multiplying the amount obtained by subtracting the commission binding amount from the added amount by the ratio of each stock in the target portfolio, and determines the buying and selling amount or buying and selling quantity based on the difference between the target amount calculated for each stock and the amount of the holding portfolio.

[0040] Also, as shown in Figure 7, when a user instructs a partial or total withdrawal from a securities account, the processor 16 of the terminal 1, for example, delimits a commission binding amount from the amount obtained by subtracting the withdrawal amount from the current holding amount in order to collect commission, calculates a target amount for each stock by multiplying the amount obtained by subtracting the commission binding amount from the subtracted amount by the ratio of each stock in the target portfolio, and determines the buying and selling amount or buying and selling quantity based on the difference between the target amount calculated for each stock and the amount of the holding portfolio.

[0041] Next, rebalancing instructions and orders will be explained with reference to Fig. 8. Fig. 8 is an example of a screen related to rebalancing processing. When Complete is pressed on the adjustment screens G21 to G24 in Fig. 6, the screen transitions to the edit content confirmation screen G31 in Fig. 8. When the "Rebalance" button is pressed on the edit content confirmation screen G31, the screen transitions to the rebalancing instruction screen G32. The rebalancing instruction screen G32 displays information on each stock's "current holding ratio," "target ratio," and "required ratio adjustment range" based on the difference between the target portfolio and the current portfolio. In this way, the processor 16 of the terminal 1 outputs information for presenting information on each stock's current holding ratio, target ratio, and required ratio adjustment range on the rebalancing instruction screen. Here, presentation includes not only display but also notification by voice. When the "Go to order screen" button is pressed on the rebalancing instruction screen G32, the screen transitions to the rebalancing order screen G33. The rebalancing order screen G33 displays "Buy, Sell, or Sell All," "Total Transaction Amount (also called the Buy / Sell amount)," and "Expected Profit / Loss" for each stock. In this way, the processor 16 of the terminal 1 outputs information for presenting the buy / sell amount or quantity and expected profit / loss for each stock on the rebalancing instruction screen and the rebalancing order screen. Here, for example, the description of buy, sell, or sell all is visually highlighted. For example, the color is black under normal circumstances, and the highlighting is a different color, a larger font, bold, or the like. When the "Place Order" button is pressed on the rebalancing order screen G33, the screen transitions to the home screen G34. A pop-up message appears on this home screen G34 indicating that the order has been accepted.

[0042] Fig. 9 is a flow chart showing an example of the processing flow of the terminal. The processing of the processor 16 of the terminal 1 will be described below, and the processor 16 will be omitted. Steps S110 to S160 show the flow of creating a target portfolio. Note that the adjustment of the stocks and ratios shown in steps S110 to S160 is not essential, and depending on fluctuations in stock prices, there may be cases where trading is performed without changing both.

[0043] (Step S110) First, the terminal 1 accepts a brand selection by the user.

[0044] (Step S120) Next, the terminal 1 accepts, for example, adjustment of each stock and its composition ratio of the target portfolio by the user.

[0045] (Step S130) Next, the terminal 1 determines, for example, whether the total of the component ratios is 100%.

[0046] (Step S140) If the total of the composition ratios is not 100% in step S130, an alert is displayed.

[0047] (Step S150) If the total of the composition ratios is 100% in step S130, the terminal 1 determines whether or not the edited content has been confirmed by the user. Specifically, for example, it determines whether or not the "Done" button has been pressed on the screens G21 to G24 as shown in FIG.

[0048] (Step S160) When the edited content is confirmed in step S150 (for example, when the "Done" button is pressed on screens G21 to G24 as shown in FIG. 6), the terminal 1 stores the target portfolio in the storage device 13. The processor 16 of the terminal 1 may also transmit the target portfolio together with the user ID of the user to the computer system 2. As a result, the computer system 2 that receives these updates, for example, the record of the pair of the user ID and the target portfolio in table T1 stored in the storage device 23.

[0049] <Rebalancing process> Steps S210 to S260 are processes performed during rebalancing. (Step S210) The terminal 1 determines whether or not the "rebalance" button has been pressed on the edit content confirmation screen G31 of FIG. 8, for example.

[0050] (Step S220) When the "Rebalance" button is pressed in step S210, the terminal 1 determines the rate obtained by subtracting the holding ratio from the target ratio for each stock as the necessary adjustment range and displays it on the rebalancing instruction screen G32 of FIG. 8, for example.

[0051] (Step S230) The terminal 1 determines whether or not the "To order screen" button has been pressed on the rebalancing instruction screen G32 of FIG. 8, for example.

[0052] (Step S240) When the "Go to order screen" button is pressed in step S230, the terminal 1 calculates the buying and selling quantity and / or buying and selling amount for each stock, as described in FIG. 7, for example, and displays the rebalancing order screen G33.

[0053] (Step S250) The terminal 1 determines whether or not the "Place Order" button has been pressed on the rebalancing order screen G33.

[0054] (Step S260) When the "Place Order" button is pressed (i.e. when the terminal 1 accepts a rebalancing instruction), the terminal 1 processes the order and notifies the user that the order has been processed. Here, the order processing is, for example, sending information on the trading volume and / or trading amount of each stock to the computer system 2. As a result, the computer system 2 that receives this information processes the order, for example, at a predetermined timing.

[0055] <Processing upon receipt of payment> Steps S310 to S330 are the processes performed when making a deposit. (Step S310) The terminal 1 (or the computer system 2) determines whether or not the money has been deposited into the securities account.

[0056] (Step S320) If it is determined that the money has been deposited into the securities account, the terminal 1 determines the trading volume and / or trading amount of each issue as described with reference to FIG.

[0057] (Step S330) Next, the terminal 1 processes the order with the purchase and sale quantity and / or purchase price determined for each stock, and notifies the user that the order has been processed. Here, the order process is, for example, sending information on the purchase quantity and / or purchase price of each stock to the computer system 2. In response to this, the computer system 2 receives this information and processes the order, for example, at a predetermined timing.

[0058] <Processing when withdrawing money> Steps S410 to S430 are the process for withdrawal.

[0059] (Step S410) The terminal 1 determines whether or not the "Confirm" button is pressed when the withdrawal amount is specified by the user on the withdrawal instruction screen (not shown), or the "Confirm" button is pressed when the full withdrawal is specified by the user. Here, the state in which the withdrawal amount is specified by the user or the state in which the full withdrawal is specified by the user is also referred to as a specific state.

[0060] (Step S420) If the "Confirm" button is pressed in the above specific state in step S410, the terminal 1 calculates the trading volume or trading amount of each stock as described in FIG. 7 and displays a withdrawal screen (not shown).

[0061] (Step S425) The terminal 1 determines whether or not the "Place Order" button has been pressed on this withdrawal screen.

[0062] (Step S430) When the "Place Order" button is pressed in step S425 (i.e. when terminal 1 accepts a withdrawal instruction), terminal 1 processes the order with the trading volume and / or trading amount determined for each stock, and notifies the user that the order has been processed. Here, order processing involves, for example, sending information on the trading volume and / or trading amount for each stock to computer system 2. In response to this, computer system 2 processes the order at, for example, a predetermined timing.

[0063] In this way, the processor 16 of the terminal 1 accepts an operation by the user to specify a target portfolio including information on stocks and their composition ratios. The processor 16 of the terminal 1 also accepts one of the instructions from the user: rebalancing, deposit, or withdrawal. The processor 16 of the terminal 1 then calculates the target amount for each stock by multiplying an amount based on the current holding amount by the ratio of each stock in the target portfolio, and determines the transaction amount and / or the buying and selling volume for each stock based on the difference between the calculated target amount and the amount of the holding portfolio. Here, the amount based on the current holding amount is an amount corresponding to the current holding amount in the case of a rebalancing instruction (specifically, for example, the amount obtained by subtracting the fee constraint amount from the current holding amount), an amount corresponding to the current holding amount plus the deposit amount in the case of a deposit instruction (specifically, for example, the amount obtained by adding the deposit amount to the current holding amount and subtracting the fee constraint amount), and an amount corresponding to the current holding amount minus the withdrawal amount in the case of a withdrawal instruction (specifically, for example, the amount obtained by subtracting the withdrawal amount from the current holding amount and subtracting the fee constraint amount). In addition, in this embodiment, the timing of this decision has been described as being when one of the instructions for rebalancing, deposit, or withdrawal is received from the user, but it may also be a predetermined timing (for example, the time when the market in which the stock is traded closes, a specified time while the market is closed, or a specified time while the market is open).

[0064] This configuration allows the user to specify a target portfolio including information on stocks and their composition ratios, so the user can freely adjust the stocks and their ratios that he or she wishes to hold. Furthermore, when the user issues an instruction for rebalancing, deposit, or withdrawal, the order details for multiple stocks are determined, so the user's effort in placing orders for multiple stocks can be reduced. In addition, when determining the trading amount or volume for each stock, the trading amount or volume for each stock may be determined based on the price of the stock at the time when the rebalancing, deposit, or withdrawal instruction is received from the user.

[0065] <Viewing and copying other users' portfolios> Next, a function that allows reference to brands and their composition ratios of other users who use the same application when selecting brands will be described. Fig. 10 is an example of a list screen of users who are investing in specific stocks. Information about users who are investing in specific stocks is displayed on the list screen G41 of Fig. 10. In this manner, the processor 16 of the terminal 1 outputs information for presenting information about users who are investing in specific stocks. Here, the processor 16 of the terminal 1 may output information for presenting users who are investing in specific stocks on the list screen G41 in order of composition ratio in a target portfolio, or in order of the date on which the specific stock was added or the composition ratio of the specific stock was changed.

[0066] For example, when a user's icon is selected on the user list screen, the screen transitions to the account screen of the selected user as shown in FIG. 11. FIG. 11 is an example of an account screen of another user. On the account screen G42 in FIG. 11, a pie chart displays the rate of increase or decrease in profits over a specified period (e.g., a week), the performance of the investment (e.g., the rate of return), and the number of people using the investment as a reference. On the account screen G42 in FIG. 11, when the "Compare Portfolios" button is pressed, the screen transitions to a portfolio comparison screen G51 in FIG. 12.

[0067] FIG. 12 is an example of a portfolio comparison screen. In the portfolio comparison screen G51 of FIG. 12, the portfolios of other users are displayed, for example, on the right side. When "Learn more about copy" is selected in the portfolio comparison screen G51, a copy explanation screen is displayed in a pop-up as shown in a portfolio comparison screen G52. Also, when the "Copy" button is pressed in the portfolio comparison screen G51, the user's own portfolio is created and displayed with the same stocks and composition ratios as the portfolio of the other user, as shown in a portfolio comparison screen G53. Even after the user's own portfolio is created, the user can adjust the composition ratios and / or add or delete stocks.

[0068] 12, the following processing is executed. When the processor 16 of the terminal 1 receives a user operation to select another user, it requests the portfolio of the other user from the computer system 2. Then, the processor 16 of the terminal 1 receives information about the portfolio of the other user from the computer system 2 in accordance with the request procedure. Then, the processor 16 of the terminal 1 uses the received information about the portfolio of the other user to output information for presenting the portfolio of the other user so that it can be viewed. As a result, the portfolio comparison screen G51 is displayed.

[0069] Next, the processor 16 of the terminal 1 outputs information for presenting the stocks and their composition ratios included in the portfolio of the other user as the portfolio of the user in response to the operation of the user to copy the portfolio of the other user, thereby displaying the portfolio comparison screen G53.

[0070] Next, the processor 16 of the terminal 1 executes a procedure for outputting information to be presented as the user's portfolio, and then executes a process for adjusting the composition ratio and / or adding or deleting stocks in response to the user's operation, thereby enabling the user to create a portfolio of their own choosing.

[0071] FIG. 13 is an example of a change history summary screen of another user's portfolio. When another user checks the portfolio of another user, the change history summary screen G61 displays only the logo as an example of information indicating each stock, and the change history is expressed as a combination of the logo and one of the three categories of addition, deletion, and editing. In order to realize this change history summary screen G61, the processor 16 of the terminal 1 outputs information for presenting the change history in a combination of the stock logo and one of the three categories of addition, deletion, and editing when displaying the change history of the portfolio of another user. This can improve the visibility of the change history.

[0072] When an arrow A61 associated with the changes made on a specific date in the change history is selected on the change history summary screen G61 in Fig. 13, the screen transitions to a change history details screen G62. The change history details screen G62 displays details of the changes made on the specific date. Specifically, for example, the change history details screen G62 displays deleted stocks, and displays the post-edit ratios of the stocks along with added and edited stocks.

[0073] <Editing on the admin page> Fig. 14 is an example of a management screen that allows a user to manage their own portfolio. When a target stock is swiped left on the management screen G71 in Fig. 14, a delete button is displayed. When this delete button is selected (e.g., tapped), the target stock is deleted. At this time, if the user does not hold the stock to be deleted, it is completely deleted from the stock list, as shown in the management screen G72. On the other hand, if the user holds the stock to be deleted, the stock to be sold is displayed, for example, at the bottom of the list, as shown in the management screen G73. When "Undo" is selected (e.g., tapped) in the pop-up screen in management screen G72 or G73, the deleted stocks are displayed at the ratio before deletion, as shown in management screen G74.

[0074] In this way, when an operation to delete a target stock is performed (for example, by tapping the delete button that appears after swiping the target stock), the processor 16 of the terminal 1 may display the stock as "planned for sale" if it is already held, or delete it from the screen if it is not held.

[0075] When the holding ratio of the stock to be sold is edited in the management screen G73 and the holding ratio of the stock to be sold becomes 1% or more, the display of "Stock to be sold" is erased, for example, as shown in the management screen G75.

[0076] In the case where the ownership ratio of a stock held is set to 0% by a user operation on the management screen for managing the portfolio, the processor 16 of the terminal 1 may display it as 0% regardless of whether the stock is held or not. After the user completes editing, the processor 16 of the terminal 1 may display the stock as a stock to be sold if it is held.

[0077] On the management screen for managing the portfolio, the stocks held may be displayed in order of value. This is because if they are displayed in order of holding ratio, stocks to be sold that have not yet been processed will be displayed at the top, which may not be appropriate for knowing the latest status. When a user adds a new stock and sets an arbitrary holding ratio but has not yet placed an order (i.e., there is a holding ratio but the user does not actually hold the stock), the processor 16 of the terminal 1 may display "In operation" on the user's holding ratio confirmation screen.

[0078] As described above, the application installed on the terminal 1 in this embodiment is a program that causes the terminal 1, which is an example of a computer, to execute the following procedures: accepting an operation in which the user specifies a target portfolio including information on stocks and their composition ratios; accepting one of instructions from the user, from among rebalancing, deposit, and withdrawal; calculating a target amount for each stock by multiplying an amount based on the current holding amount by the composition ratio of each stock in the target portfolio, and determining the transaction amount or buying and selling volume for each stock based on the difference between the calculated target amount and the amount of the holding portfolio.

[0079] This configuration allows the user to specify a target portfolio including information on stocks and their composition ratios, so the user can freely adjust the stocks and their ratios that he or she wishes to hold. Furthermore, when the user issues an instruction for rebalancing, deposit, or withdrawal, the order details for multiple stocks are determined, so the user's effort in placing orders for multiple stocks can be reduced.

[0080] At least some of the functions of the terminal 1 described in the above embodiment may be configured with hardware or software. In the case of configuring with software, a program that realizes at least some of the functions of the terminal 1 may be stored in a computer-readable recording medium and read and executed by a computer. The recording medium is not limited to a removable one such as a magnetic disk or an optical disk, but may be a fixed recording medium such as a hard disk device or a memory.

[0081] Also, a program for realizing at least a part of the functions of the terminal 1 may be distributed via a communication line (including wireless communication) such as the Internet. Furthermore, the program may be encrypted, modulated, or compressed and distributed via a wired line or wireless line such as the Internet, or stored in a recording medium.

[0082] At least some of the functions of the terminal 1 may be realized by the computer system 2. Furthermore, the computer system 2 may be made to function by one or more information devices. When multiple information devices are used, one of the devices may be a computer, and the computer may execute a predetermined program to realize the functions as at least one of the means of the computer system 2.

[0083] In the method invention, all the steps may be realized by automatic control using a computer. Alternatively, each step may be performed by a computer while the progress between steps is controlled manually. Furthermore, at least some of the steps may be performed manually.

[0084] As described above, the present invention is not limited to the above-described embodiment as it is, and in the implementation stage, the components can be modified and embodied without departing from the gist of the invention. In addition, various inventions can be formed by appropriately combining the multiple components disclosed in the above-described embodiment. For example, some components may be deleted from all the components shown in the embodiment. Furthermore, components from different embodiments may be appropriately combined. [Explanation of symbols]

[0085] 1 Device 11 Input Interface 12 Communication Module 13. Storage 14. Memory 15 Display 16 processors 2. Computer Systems 21 Input Interface 22 Communication Module 23. Storage 24 Memory 25 Output Interface 26 processors

Claims

1. On the computer, A step of accepting an operation by a user to specify a target portfolio including information on stocks and their composition ratios; receiving one of the following instructions from a user: rebalancing, deposit, or withdrawal; a step of calculating a target amount for each stock by multiplying an amount based on the current holding amount by the composition ratio of each stock in the target portfolio, and determining a purchase / sale amount or a purchase / sale volume for each stock based on the difference between the calculated target amount and the amount of the holding portfolio; A program for executing.

2. The amount based on the current holding amount is an amount according to the current holding amount in the case of a rebalancing instruction, The amount based on the current holding amount is an amount obtained by adding the deposit amount to the current holding amount in the case of a deposit instruction, The amount based on the current holding amount is the amount obtained by subtracting the withdrawal amount from the current holding amount in the case of a withdrawal instruction. The program according to claim 1.

3. The instruction to deposit is to execute a deposit; When a deposit is received, a procedure for determining the trading amount or the trading quantity is executed. The program according to claim 1.

4. A procedure for outputting information on the rebalancing instruction screen to show the current holding ratio, target ratio, and required ratio adjustment range for each stock; A procedure for outputting information to present the trading amount or volume of each stock and expected profit and loss on the rebalancing order screen; The program according to claim 1, further comprising:

5. a step of requesting the portfolios of the other users from the computer system when a user operation to select the other users is received; receiving information about other users' portfolios from the computer system in response to the requesting step; outputting information for presenting the portfolios of the other users in a viewable manner using the received information about the portfolios of the other users; a step of outputting information for presenting stocks and their composition ratios included in the portfolio of the other user as the portfolio of the user in response to an operation of the user to copy the portfolio of the other user; The program according to claim 1, further comprising:

6. a step of executing a process of adjusting a composition ratio and / or adding or deleting stocks in response to an operation by the user, after the step of outputting information to be presented as the user's portfolio; 6. The program according to claim 5, further comprising:

7. A step of outputting information for presenting a plurality of users who are investing in a specific stock in order of the composition ratio in a target portfolio or in order of the date on which the specific stock was added or the composition ratio of the specific stock was changed; The program according to any one of claims 1 to 6, further comprising:

8. A procedure for outputting information for presenting the change history in one of three categories, namely, a logo of a stock and addition, deletion, and editing, when displaying the change history of another user's portfolio; The program according to claim 1, further comprising:

9. In the step of determining the trading amount or volume for each stock, the trading amount or volume for each stock is determined based on the price of the stock at the time when one of instructions for rebalancing, deposit, or withdrawal is received from the user for each stock. The program according to claim 1.

10. At least one processor; The at least one processor receives an operation by a user to specify a target portfolio including information on stocks and their composition ratios; receiving one of the following instructions from a user: rebalancing, deposit, or withdrawal; a step of calculating a target amount for each stock by multiplying an amount based on the current holding amount by the composition ratio of each stock in the target portfolio, and determining a purchase / sale amount or a purchase / sale volume for each stock based on the difference between the calculated target amount and the amount of the holding portfolio; An information processing device that executes the above.

11. A step of accepting an operation by a user to specify a target portfolio including information on stocks and their composition ratios; receiving one of the following instructions from a user: rebalancing, deposit, or withdrawal; A step of calculating a target amount for each stock by multiplying an amount based on the current holding amount by the composition ratio of each stock in the target portfolio, and determining a purchase / sale amount or a purchase / sale volume for each stock based on the difference between the calculated target amount and the amount of the holding portfolio. An information processing method comprising the steps of:

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