Information processing method, program, and information processing device

Abstract

To provide an information processing method capable of supporting a user who makes an investment.SOLUTION: A computer determines whether or not to sell a financial product based on a book value evaluation amount and a current value evaluation amount of the financial product held in a tax-free account by a customer. When determining to sell the financial product, the computer sells the financial product and purchases the same or a different financial product from the sold financial product with funds of the tax-free account.SELECTED DRAWING: Figure 2

Description

[Technical field]

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

[0002] Patent document 1 discloses an apparatus that performs a rebalancing process to sell or purchase at least one stock so that the market capitalization of each of multiple stocks held by a user accounts for a specific ratio of the total market capitalization of the multiple stocks. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6105828 Summary of the Invention [Problem to be solved by the invention]

[0004] The new NISA (Nippon Individual Savings Account) system will be launched in January 2024, and the tax-free investment framework will be significantly expanded from the current system, including an increase in the tax-free annual investment limit and an unlimited tax-free holding period. As a result, an increase in users of the NISA system is expected. However, for users with no investment experience, the NISA system is complicated and the hurdle to investing is high. The device of Patent Document 1 can perform rebalancing processing, but does not provide a service to support users who make investments using the NISA system.

[0005] The present disclosure aims to provide an information processing method and the like that can support users who make investments using the NISA system. [Means for solving the problem]

[0006] An information processing method according to one aspect of the present disclosure involves a computer determining whether or not to sell a financial instrument held by a customer in a tax-exempt account based on the book value and market value of the financial instrument, and if it is determined to sell the financial instrument, selling the financial instrument and purchasing the same or a different financial instrument with funds from the tax-exempt account. Effect of the Invention

[0007] According to the present disclosure, it is possible to support users who make investments. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is an explanatory diagram illustrating an example of the configuration of an information processing system. [Diagram 2] FIG. 2 is a block diagram showing a configuration example of a server and a customer terminal. [Diagram 3] FIG. 11 is an explanatory diagram illustrating an example of a record layout of a customer DB. [Figure 4] 13 is a flowchart showing an example of a deposit processing procedure. [Diagram 5] 13 is a flowchart illustrating an example of a compression process procedure of the principal. [Figure 6] FIG. 13 is an explanatory diagram showing an example of a section transaction history screen. [Figure 7] 13 is a flowchart showing an example of a purchase processing procedure. [Figure 8] 13 is a flowchart showing an example of a withdrawal process procedure. [Figure 9] 13 is a flowchart illustrating an example of a replacement process procedure. [Figure 10] FIG. 13 is an explanatory diagram showing an example of a screen. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, an information processing method, a program, and an information processing device according to the present disclosure will be described in detail with reference to the drawings showing embodiments thereof.

[0010] In this embodiment, an information processing system is described that buys and sells financial products held in an account opened by a customer at a financial institution based on a request from the customer. Financial products in this disclosure include securities such as stocks and bonds, as well as investment trusts. In the information processing system of this embodiment, a customer holds a tax-exempt account (NISA account) for making tax-exempt investments and a normal taxable account, and investment funds deposited by the customer are invested in at least one of the tax-exempt account and the taxable account.

[0011] 1 is an explanatory diagram showing an example of the configuration of an information processing system. The information processing system of this embodiment includes a server 10 managed by an asset management company that provides an asset management service that manages clients' investment funds, and a client terminal 20 used by a client who utilizes the asset management service provided by the server 10, and each device is communicatively connected via a network N. The network N may be the Internet or a public communication line network, or may be a LAN (Local Area Network) constructed in a facility where the server 10 is installed.

[0012] The server 10 is an information processing device capable of various information processing and sending and receiving information, such as a server computer or a personal computer. The customer terminal 20 is an information processing device capable of various information processing and sending and receiving information, such as a smartphone, a tablet terminal, a personal computer, etc. A customer may be an individual or a corporation. In the information processing system of this embodiment, when the server 10 receives a request from the customer terminal 20 to execute a deposit process to an account (tax-exempt account and taxable account) held by the customer, the server 10 executes a deposit process from the account of the financial institution of the deposit source to an account managed by the asset management company according to the received request. In this way, the asset management company accepts the deposit of the customer's investment funds into the customer's account managed by the company. The server 10 also purchases financial products using the customer's investment funds, and executes a process of automatically buying and selling financial products held by the customer according to the status of the customer's account (for example, the book value valuation value and the market value valuation value of the financial products held in each account). The account managed by the asset management company may be, for example, an account opened in a financial institution with which the asset management company is affiliated, or if the asset management company is a financial institution, it may be an account opened by the asset management company.

[0013] 2 is a block diagram showing an example of the configuration of the server 10 and the customer terminal 20. The server 10 includes a control unit 11, a storage unit 12, a communication unit 13, an input unit 14, a display unit 15, a reading unit 16, etc., and these units are connected to each other via a bus. The control unit 11 includes one or more processors such as a CPU (Central Processing Unit), an MPU (Micro-Processing Unit), or a GPU (Graphics Processing Unit). The control unit 11 appropriately executes a program 12P stored in the storage unit 12 to perform various information processing and control processing to be performed by the server 10. When the control unit 11 includes multiple processors, the control unit 11 may execute each process by a different processor.

[0014] The storage unit 12 includes a RAM (Random Access Memory), a flash memory, a hard disk, an SSD (Solid State Drive), and the like. The storage unit 12 prestores a program 12P (program product) executed by the control unit 11 and various data required for executing the program 12P. The storage unit 12 also temporarily stores data generated when the control unit 11 executes the program 12P. The storage unit 12 also stores an asset management site 12S for providing an asset management service via the network N. The storage unit 12 further stores a customer DB 12a. The storage unit 12 may be composed of multiple storage devices, and a part of the storage unit 12 may be another storage device connected to the server 10, or another storage device with which the server 10 can communicate.

[0015] The communication unit 13 is a communication module for connecting to the network N by wired communication or wireless communication, and transmits and receives information to and from other devices via the network N. The input unit 14 accepts operation input by a user, and sends a control signal corresponding to the operation content to the control unit 11. The display unit 15 is a liquid crystal display, an organic EL display, or the like, and displays various information according to instructions from the control unit 11. The input unit 14 and the display unit 15 may be a touch panel configured as an integrated unit.

[0016] The reading unit 16 reads information stored in a portable storage medium 10a such as a CD (Compact Disc), a DVD (Digital Versatile Disc), a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a micro SD card, or a Compact Flash (registered trademark). The program 12P and various data stored in the storage unit 12 may be read by the control unit 11 from the portable storage medium 10a via the reading unit 16 and stored in the storage unit 12. In addition, the program 12P and various data may be written in the storage unit 12 during the manufacturing stage of the server 10, or the control unit 11 may download them from another device via the communication unit 13 and store them in the storage unit 12.

[0017] In this embodiment, the server 10 may be a multi-computer consisting of multiple computers, or may be a virtual machine virtually constructed by software in one device. When the server 10 is configured as a server computer, it may be a local server installed in the facility where the server 10 is installed, or may be a cloud server connected to the network N. In the following, the server 10 is described as being one computer. The program 12P may be deployed and executed on a single computer or at one site, or may be distributed across multiple sites and deployed to be executed on multiple computers interconnected by the network N. Furthermore, the input unit 14 and the display unit 15 are not essential for the server 10, and the server 10 may be configured to accept operations through a connected computer, or to output information to be displayed to an external display device.

[0018] The client terminal 20 includes a control unit 21, a storage unit 22, a communication unit 23, an input unit 24, a display unit 25, etc., and these units are connected to each other via a bus. The control unit 21, the storage unit 22, the communication unit 23, the input unit 24, and the display unit 25 of the client terminal 20 have the same configuration as the control unit 11, the storage unit 12, the communication unit 13, the input unit 14, and the display unit 15 of the server 10, so their explanations are omitted. The storage unit 22 of the client terminal 20 stores an application program (hereinafter referred to as an asset management application 22AP) for using the asset management service provided by the asset management site 12S, in addition to the program 22P (program product) executed by the control unit 21. The storage unit 22 may also store a browser for browsing a website (e.g., the asset management site 12S) published via the network N, instead of the asset management application 22AP.

[0019] FIG. 3 is an explanatory diagram showing an example of a record layout of the customer DB 12a. The customer DB 12a is a database that stores information on customers who have registered as users (registered as members) to use the asset management service provided by the server 10. The customer DB 12a shown in FIG. 3 includes a customer ID column, a customer information column, an account information column, a transaction information column, and the like, and stores various information on the customers in association with identification information (customer ID) uniquely assigned to each customer. The customer information column stores information on the customers, such as the customer's name, address or location, contact information, and authentication information used for login processing when using the asset management site 12S. The account information column stores information on the accounts held by the customers (accounts managed by the asset management company), and the account information includes, for example, the account type, account number, account name, and deposit and withdrawal information. As the account type, information indicating whether the taxable account is treated as a specified account or is subject to tax exemption (whether it is a NISA account) is stored. As the deposit and withdrawal information, the date and amount of money deposited into each account, the date and amount of money withdrawn from each account, and the like are stored. The transaction information column stores information on the transaction status of financial products using funds in an account held by a customer, and the transaction information includes, for example, the purchase date or sale date of the financial product, and the transaction details of the purchase or sale. The transaction details include the product name of the financial product purchased or sold (cancelled), the transaction amount (or the transaction unit price and transaction volume), the reason for the transaction, etc. The reasons for the transaction include, for example, when a purchasing capacity is generated in an account (taxable account or tax-exempt account) or a tax-exempt account (accumulation investment limit or growth investment limit) (buying capacity available), when the value of the held financial product falls (the market value-to-book value ratio is below a predetermined value), when it becomes necessary to sell products held in a taxable account to raise funds for the tax-exempt account (fund raising), when a replacement of financial products held in a taxable account and a tax-exempt account occurs (account replacement), etc. The transaction details for a tax-exempt account include, in addition to the product name and transaction amount of the financial product, information indicating whether the transaction is a transaction in an accumulation investment limit or a growth investment limit. The contents stored in the customer DB 12a are not limited to the example shown in FIG.For example, the remaining amount of the annual investment quota (annual investment amount) in a customer's tax-exempt account, the remaining amount of the tax-exempt holding limit (lifetime available amount), the book value (purchase price), market value, and market value-to-book value ratio (market value / book value) of financial instruments held in the tax-exempt account and taxable account may be stored in customer DB12a.

[0020] The process performed by the server 10 in the information processing system of this embodiment will be described below. First, the process performed by the server 10 when a client's investment funds are deposited into an account managed by the asset management company will be described. FIG. 4 is a flowchart showing an example of a deposit processing procedure. The following process is executed by the control unit 11 of the server 10 in accordance with the program 12P stored in the memory unit 12.

[0021] In the information processing system of this embodiment, a client accesses the server 10 using the client terminal 20 and opens his / her own account in an account managed by the asset management company via the asset management site 12S. The client also requests execution of a deposit process from an account he / she holds in a financial institution or the like to the opened account (account managed by the asset management company) via the asset management site 12S, and the server 10 executes a deposit process from the deposit source account of the financial institution to the deposit destination account (account managed by the asset management company) in accordance with the client's request. In the deposit process, the server 10, for example, transmits the client's account information, authentication information, etc. to the server (not shown) of the deposit source financial institution to request execution of a transfer process (remittance process). If the server of the deposit source financial institution can authenticate the client, it executes a process of depositing a specified amount from the client's account to the deposit destination account. In this way, the asset management company accepts the deposit of the client's investment funds into the client's account managed by the company. Other methods of depositing funds include direct transfer from an account held by the customer at a financial institution to a bank account prepared for the customer by the asset management company, or setting up a debit system for the customer's account and depositing funds into an account managed by the asset management company.

[0022] In addition, when a customer opens an account, the customer sets the investment schedule for the investment. The investment schedule for the investment includes the period and amount of the investment. For example, a schedule for purchasing 10,000 yen per month can be set. The server 10 acquires the investment schedule for the investment set by the user, and based on the set investment schedule, formulates (creates) and stores a purchase plan for financial products in the investment limit for the future. Then, when a purchase margin occurs in the investment limit due to the investment, the server 10 executes the purchase process for financial products according to the purchase plan. By carrying out the purchase process according to the purchase plan formulated before the investment is made in this way, it is possible to make investments according to the rules of the NISA system. The purchase plan for each customer may be updated at any time, such as when the customer changes the investment policy, when the customer makes a deposit or withdrawal, when financial products are bought or sold, in addition to when the account is opened. The investment schedule may also include the industry, category, etc. that the customer wishes to purchase. In this case, the server 10 can formulate a purchase plan for products in the industry and category that the customer wishes to purchase. The investment schedule for the cumulative investment may be able to be set separately for the investment schedule for the cumulative investment limit in a tax-exempt account and the investment schedule for the cumulative investment in a taxable account.

[0023] The control unit 11 of the server 10 judges whether the deposit of the client's funds has been accepted (S11), and if it judges that the deposit has not been accepted (S11: NO), the process proceeds to step S16. The control unit 11 performs the above-mentioned deposit process, and if it judges that the deposit of the client's funds has been accepted (S11: YES), it judges whether the tax-exempt account of the client who has deposited the funds has free space (S12). A lifetime available amount (tax-exempt holding limit) is determined for the tax-exempt account. In addition, a regular investment limit and a growth investment limit are provided for the tax-exempt account, and a one-year investment amount (annual investment limit) is determined for each limit. Therefore, the control unit 11 calculates the remaining amount (remaining amount) at this point for the lifetime available amount and the remaining amount (remaining amount) at this point for the annual investment amount in each of the regular investment limit and the growth investment limit, and judges that the tax-exempt account has free space if the remaining amount of the lifetime available amount is not 0 and the remaining amount of the annual investment amount in either the regular investment limit or the growth investment limit is not 0. On the other hand, if the remaining lifetime available amount is 0, or if the remaining annual investable amount in both the regular investment limit and the growth investment limit is 0, the control unit 11 determines that there is no free space in the tax-exempt account. The remaining lifetime available amount and the remaining annual investable amount in each of the regular investment limit and the growth investment limit may be stored in the customer DB 12a, or the control unit 11 may calculate them based on the transaction information stored in the customer DB 12a. If it is determined that there is no free space in the tax-exempt account (S12: NO), the control unit 11 proceeds to step S15.

[0024] When it is determined that the tax-exempt account has free space (S12: YES), the control unit 11 allocates the deposited funds to the tax-exempt account of the client within the scope not exceeding the annual investable amount of the tax-exempt account (S13). For example, the control unit 11 allocates the remaining amount of the deposited funds of the tax-exempt account that is the remaining amount of the annual investable amount of the tax-exempt account to the tax-exempt account. When funds are allocated to the tax-exempt account, a purchasing margin is generated in the tax-exempt account, and investment using the funds of the tax-exempt account is started. When the allocation process of funds to the tax-exempt account is completed, the control unit 11 stores the deposit date, deposit amount, etc. as deposit information for the tax-exempt account of the client in the client DB 12a. After the allocation process to the tax-exempt account, the control unit 11 determines whether or not there is a remaining amount in the funds received in step S11 (S14). If the control unit 11 determines that there is no remaining balance (S14: NO), i.e., all funds have been allocated to the tax-exempt account, it proceeds to step S16, and if it determines that there is a remaining balance (S14: YES), it allocates the remaining balance to the client's taxable account (S15). When funds are allocated to the taxable account, purchasing margin is generated in the taxable account, and investment using the funds in the taxable account is initiated. Here too, when the control unit 11 has completed the allocation process of funds to the taxable account, it stores the deposit information for the client's taxable account in the client DB 12a.

[0025] According to the above-mentioned process, when a customer's funds are deposited, the funds are preferentially put into the tax-exempt account, so that investment with the funds of the tax-exempt account is preferentially executed. Also, when funds exceeding the annually investable amount of the tax-exempt account are deposited, the excess funds are put into the taxable account, so that investment with the funds of the tax-exempt account is executed. The annually investable amount of the tax-exempt account is the amount that can be invested in one year from January to December, and in January, the annually investable amount (annual investment limit) is reset, and if securities in the tax-exempt account were sold or redeemed in the previous year, the lifetime available amount is restored. Therefore, in January, there is a possibility that a new vacancy will occur in the tax-exempt account. Therefore, the control unit 11 judges whether there is a vacancy in the tax-exempt account (whether a vacancy has occurred) while performing the above-mentioned process (S16). Here too, the control unit 11 determines that there is free space in the tax-exempt account if the remaining lifetime available amount is not 0 even after deducting the planned consumption amount of the tax-exempt account due to the set savings deposit, and the remaining amount of the annual investable amount of either the regular investment limit or the growth investment limit is not 0. On the other hand, the control unit 11 determines that there is no free space in the tax-exempt account if the remaining lifetime available amount is 0, or if the remaining amounts of the annual investable amounts of both the regular investment limit and the growth investment limit are 0. If it determines that there is no free space (S16: NO), the control unit 11 returns to step S11 and accepts a deposit of funds or repeats the processing of steps S11 to S16 until there is free space in the tax-exempt account.

[0026] When it is determined that there is (has been) a vacancy in the tax-exempt account (S16: YES), the control unit 11 executes a process of selling or canceling financial products held in the taxable account (referred to as a selling process in FIG. 4, and collectively referred to as selling hereinafter) in order to raise funds for the vacancy amount in the tax-exempt account (S17). For example, the control unit 11 sells financial products equivalent to the remaining amount of the annually investable amount in the tax-exempt account here. Note that, if financial products equivalent to the remaining amount of the annually investable amount in the tax-exempt account are not held in the taxable account, all financial products held in the taxable account may be sold. For example, in the case where a trading server (not shown) that realizes the selling and purchasing processes of financial products is provided, the selling process is realized by the trading server by the control unit 11 transmitting a request to the trading server to execute the selling process of financial products held by the client in the taxable account. Note that the server 10 may be configured to have the function of a trading server, in which case the control unit 11 of the server 10 executes the process related to the selling process of financial products. When the selling process is completed, the control unit 11 stores the selling date and the transaction details as the transaction information of the taxable account of the customer in the customer DB 12a. The transaction details include the product name of the financial product sold (cancelled), the transaction amount (or the transaction unit price and the transaction volume), the transaction reason (the reason for the transaction), etc., where the transaction reason here is, for example, fund raising for the tax-exempt account. Then, the control unit 11 allocates (transfers) the funds obtained by the selling process from the taxable account to the tax-exempt account (S18). When funds are transferred to the tax-exempt account in this way, purchasing margin is generated in the tax-exempt account, and investment using the funds in the tax-exempt account becomes possible. Here, the control unit 11 stores the withdrawal information to the taxable account of the customer and the deposit information to the tax-exempt account in the customer DB 12a.

[0027] Thereafter, the control unit 11 returns to step S11 and executes the above-mentioned process each time a new deposit of funds is received or each time a vacancy occurs in the tax-free account. As a result, when a vacancy occurs in the tax-free account, financial products held in the taxable account are sold to raise funds and the funds are transferred to the tax-free account, making it possible to make investments that effectively utilize the annual investment limit of the tax-free account. In the above-mentioned process, instead of determining whether there is a vacancy in the tax-free account in step S16, the control unit 11 may determine whether it is January 1st or not, and if it determines that it is January 1st, determine whether the remaining amount of the lifetime available amount is 0 or not. In this case, if the control unit 11 determines that it is January 1st and that the remaining amount of the lifetime available amount at this time is not 0, it may be configured to sell financial products held in the taxable account and transfer the funds obtained by the sale to the tax-free account.

[0028] With the above-mentioned process, when an amount of funds greater than the annual investment allowance of the tax-exempt account is deposited, the excess amount is temporarily allocated to the taxable account and used for investment, and when there is space in the tax-exempt account, the funds are automatically transferred from the taxable account to the tax-exempt account. Therefore, a customer need only deposit funds when, for example, opening an account or when securing a lump sum of funds, and thereafter, investments are made making effective use of the tax-exempt limit without the customer having to perform any operations.

[0029] Next, a process will be described in which the server 10 sells financial products held in a tax-exempt account according to the market value of the financial products, and then purchases the same financial products as the sold financial products to reduce the principal of the financial products. The financial products to be purchased may be similar to the sold financial products, such as products of the same type as the sold financial products, products in the same industry, category, and expected returns as the sold financial products, or products similar to the sold financial products. FIG. 5 is a flowchart showing an example of a principal reduction process procedure. The control unit 11 of the server 10 periodically executes the following process for each client, for example, once every 12 hours, once a day, once a week, etc.

[0030] The control unit 11 of the server 10 acquires information on the growth investment limit of a tax-exempt account held by a certain customer from the customer DB 12a (S21). For example, the control unit 11 reads out from the customer DB 12a the remaining lifetime available amount of the tax-exempt account, the remaining lifetime available amount of the growth investment limit of the tax-exempt account, the remaining annual investable amount of the growth investment limit, the book value valuation value and market value valuation value of financial products held in the growth investment limit, and the planned consumption amount of the tax-exempt account by the set savings deposit. Based on the acquired information, the control unit 11 determines whether or not there is a financial product that satisfies the selling condition among the financial products held in the growth investment limit (S22). The selling condition is, for example, when the market value book value ratio (market value book value ratio = market value valuation value / book value valuation value), which indicates the ratio of the market value to the book value valuation value of a financial product, is equal to or less than a predetermined value. The predetermined value of the criterion for determining whether the sale condition is met may be preset to an arbitrary value such as 0.9, 0.8, etc., or may be arbitrarily changeable according to instructions from the asset management company's personnel or the client. Therefore, the control unit 11 calculates the market value-to-book value ratio of each financial product held in the growth investment framework based on the acquired information, and determines whether there is any financial product whose market value-to-book value ratio is equal to or lower than a predetermined value. The control unit 11 may determine that the sale condition is met when the difference (decline) between the book value and market value of a financial product is equal to or higher than a predetermined value, and the predetermined value at this time may be preset or arbitrarily changeable.

[0031] When it is determined that there is a financial product that satisfies the selling condition (S22: YES), the control unit 11 determines whether or not the financial product that satisfies the selling condition should be immediately sold (S23). The determination of whether or not to immediately sell can be made using, for example, the remaining amount of the lifetime available amount of the growth investment limit, the remaining amount of the annually investable amount of the growth investment limit, the purchasing capacity of the growth investment limit, etc. The remaining amount of the lifetime available amount of the growth investment limit and the remaining amount of the annually investable amount can be determined based on whether or not each remaining amount is equal to or greater than the amount necessary to purchase a financial product that satisfies the selling condition. In addition, the purchasing capacity of the growth investment limit can be determined based on whether or not the growth investment limit has a purchasing capacity of equal to or greater than a predetermined amount, and if there is a purchasing capacity, it is determined that the financial product should be immediately sold. The predetermined amount here is the amount of capacity that can be purchased after selling a financial product that satisfies the selling condition, and can be the difference between the amount obtained by selling the financial product and the amount required to purchase the financial product (amount required to purchase - amount obtained by selling). Since the timing of selling a financial product is not the same as the timing of purchasing the financial product, the amount obtained by selling the financial product is not the same as the amount required to purchase the financial product, and if the growth investment limit has a purchasing capacity of the difference between the amount, it can be determined that the financial product should be sold immediately. Therefore, the control unit 11 determines whether the remaining amount of the annual investment allowable amount of the growth investment limit is less than the remaining amount of the lifetime available amount of the growth investment limit and is greater than or equal to the amount required to purchase a financial product that satisfies the selling condition, based on the acquired information, and determines that the financial product should be sold immediately if this condition is met. The control unit 11 may also determine whether the financial product should be sold immediately depending on whether the growth investment limit has a purchasing capacity of more than a predetermined percentage (e.g., 5%, 10%) of the amount obtained by selling the financial product that satisfies the selling condition.

[0032] When the control unit 11 judges that the financial product should be sold immediately (S23: YES), that is, when the remaining amount of the annual investable amount of the growth investment limit, after deducting the planned consumption amount of the tax-exempt account by the set savings deposit, is equal to or less than the remaining amount of the lifetime available amount of the growth investment limit, and is equal to or more than the amount required to purchase the financial product that satisfies the selling condition, the control unit 11 executes the selling process of the financial product (S24). Here, the control unit 11 transmits to the buying and selling server a request to execute the selling process of the financial product held by the client in the growth investment limit. As a result, the buying and selling server executes the selling process, and when the selling process is completed, the control unit 11 stores the selling date and the transaction details as the transaction information in the tax-exempt account (growth investment limit) of the client in the client DB 12a. The reason for the transaction here is, for example, a decline (the market value book value ratio is equal to or less than a predetermined value). Then, the control unit 11 executes the purchasing process to purchase the same financial product as the sold financial product in the growth investment limit (S25). The purchase process is also realized by the trading server by the control unit 11 sending a request to the trading server to execute a purchase process of the financial product using the funds of the growth investment limit of the client. When the purchase process is completed, the control unit 11 stores the purchase date and the transaction details in the client DB 12a as transaction information in the tax-exempt account (growth investment limit) of the client. The reason for the transaction here may be a decline, as in the case of the sale process in step S24.

[0033] When the above-mentioned process meets the criteria for determining that an immediate sale should be made, the financial product held in the growth investment framework is sold when the sales conditions are met, and a financial product of the same name as the financial product is purchased. When the market value of a financial product falls below its book value, the above-mentioned process can be performed to lower the book value of the financial product, and as a result, the principal of the financial product can be compressed. In the NISA system, when securities held in a tax-exempt account are sold, the amount equivalent to the book value is restored as the lifetime available amount the following year, so that the lifetime available amount of the tax-exempt account can be expanded by the amount of the compressed portion. For example, if a financial product purchased for 1 million yen is sold and repurchased when the market value of the financial product becomes 700,000 yen, the principal (book value) of the financial product can be compressed from 1 million yen to 700,000 yen. This transaction temporarily increases the lifetime available amount of the tax-exempt account to 1.7 million yen, but the following year the original book value of 1 million yen is restored, so the lifetime available amount of the tax-exempt account effectively increases by 300,000 yen. In this way, by compressing the principal of the financial products held, the lifetime available amount of the tax-exempt account can effectively be increased, so this type of transaction is referred to as a "setting limit transaction" below.

[0034] When the control unit 11 judges that the financial product should not be sold immediately (S23: NO), that is, when the remaining amount of the annually investable amount of the growth investment limit, after deducting the planned consumption amount of the tax-free account by the set savings deposit, is equal to or less than the remaining amount of the lifetime available amount of the growth investment limit, but is less than the amount necessary to purchase the financial product that satisfies the selling condition, the control unit 11 executes the sale reservation process and the purchase reservation process of the financial product (S26). The sale reservation process is, for example, a process in which a predetermined day (e.g., the first day, the middle day, or the last day, etc.) during a period (predetermined period) during which the financial product can be sold and delivered within the year (within December) from mid-December onwards is set as the planned sale date, and the control unit 11 stores in the storage unit 12 a reservation for the execution of a process for transmitting a request for the execution of the sale process of the financial product to the buying and selling server on the planned sale date. As a result, the execution of the sale process is reserved, and when the planned sale date arrives, the control unit 11 transmits a request for the execution of the sale process to the buying and selling server, and the sale process is executed. The purchase reservation process is a process in which a predetermined day in January of the following year (for example, the first day when a financial product can be purchased) is set as the planned purchase date, and the control unit 11 stores in the storage unit 12 a reservation for execution of a process for sending a request for execution of the purchase process of the financial product to the buying and selling server on the planned purchase date when the sale process of the financial product is executed. As a result, the execution of the purchase process is reserved, and when the planned purchase date arrives after the sale process of the financial product is executed, the control unit 11 sends a request for execution of the purchase process to the buying and selling server, thereby executing the purchase process. Note that the control unit 11 may again determine whether the financial product to be sold satisfies the selling conditions when the planned sale date arrives, and may execute the sale process if it determines that the selling conditions are satisfied. The control unit 11 may also send a request for execution of the sale process of the financial product to the buying and selling server on the planned sale date without waiting for the planned sale date, or may send a request for execution of the purchase process of the financial product to the buying and selling server on the planned purchase date after the sale of the financial product without waiting for the planned purchase date.

[0035] When it is determined in step S22 that there is no financial product that satisfies the selling condition (S22: NO), the control unit 11 proceeds to step S27. After the processing of step S25 or step S26, the control unit 11 executes the same processing for the investment limit. Specifically, the control unit 11 acquires information on the investment limit of a certain customer from the customer DB 12a (S27), and determines whether or not there is a financial product that satisfies the selling condition among the financial products held in the investment limit (S28). Then, when the control unit 11 determines that there is a financial product that satisfies the selling condition (S28: YES), it determines whether or not the financial product should be sold immediately (S29). When the control unit 11 determines that the financial product should be sold immediately (S29: YES), it executes the selling processing of the financial product (S30), and then executes the purchasing processing to purchase a financial product of the same name as the sold financial product with the growth investment limit (S31). Here too, the control unit 11 transmits a request to execute a selling process and a request to execute a buying process to the buying and selling server, and the selling process and the buying process are executed by the buying and selling server. Then, the control unit 11 stores the transaction information of the tax-exempt account of the client for the completed selling process and buying process in the client DB 12a. Here, the control unit 11 stores the information of the selling process as the transaction information of the investment quota, and stores the information of the buying process as the transaction information of the growth investment quota. The transaction reason here can also be, for example, a decline (the market value-to-book value ratio is below a predetermined value). Therefore, for the investment quota, if the market value of a financial product falls below the book value and there is a purchasing capacity, the principal of the financial product can be reduced by performing a quota transaction to sell the financial product and purchase a financial product of the same name, and the lifetime available amount of the tax-exempt account can be substantially expanded.

[0036] On the other hand, when the control unit 11 judges that the financial product should not be sold immediately (S29: NO), it executes the sale reservation process and the purchase reservation process of the financial product (S32). Therefore, for the investment limit, if there is no purchasing capacity when the market value of the financial product falls below the book value, the sale reservation of the financial product and the purchase reservation of the same financial product are made, and the sale process is executed when the planned sale date arrives, and the purchase process is executed when the planned purchase date arrives after the sale process is executed. When it is judged in step S28 that there is no financial product that satisfies the sale condition (S28: NO), the control unit 11 ends the process. Note that the control unit 11 executes the above-mentioned process for each client registered in the client DB 12a, and when there is a financial product that satisfies the sale condition, it executes the sale process and the purchase process of the financial product, or the sale reservation process and the purchase reservation process.

[0037] By the above-mentioned process, when the market value of a financial product held in a tax-exempt account falls below its book value, the principal of the financial product can be reduced by a marginal transaction, and the lifetime available amount of the tax-exempt account can be substantially increased. In the above-mentioned process, in steps S25 and S31, a configuration in which a financial product of the same brand as the financial product sold in steps S24 and S30 is purchased has been described, but the present invention is not limited to this configuration. For example, a configuration in which a financial product of the same type and brand as the sold financial product is purchased may be used. In addition, a configuration in which a financial product similar to the sold financial product, such as a product having the same (same) industry, category, and expected return as the sold financial product, or a product similar (approximate) to the sold financial product, is purchased may be used. In this case, a configuration in which financial products of about the same amount as the amount obtained by selling the financial product in steps S24 and S30 are purchased may be used. The expected return is a rate of return expected to be obtained in the future if an investment is made, and is calculated by an asset management company or the like based on various information on the financial product, the economic growth rate, and the like. The expected return may be stored in the storage unit 12, or may be obtained from another server via the network N. As described above, by purchasing the same product, the same type of product, or a similar product as the product sold, the effect of compressing the principal of the product whose market value has fallen can be obtained, but a configuration in which other products in a different industry, category, etc. from the sold financial product can also be purchased. Even in this case, the unrealized loss caused by the fall in the market value of the financial product held in the tax-exempt account is eliminated (undetermined losses are confirmed), which essentially leads to an increase in the lifetime available amount of the tax-exempt account, just like a joint account transaction.

[0038] The control unit 11 of the server 10 periodically executes the above-mentioned process for each client, and automatically executes a quota transaction when a financial product that satisfies the selling conditions is generated. The client can access the server 10 using the client terminal 20 and check the transaction history of the financial products held in his / her account via the asset management site 12S. FIG. 6 is an explanatory diagram showing an example of a screen of the quota transaction history, FIG. 6A shows an example of the display of the history information of a quota transaction that was immediately executed, and FIG. 6B shows an example of the display of the reservation history information of a quota transaction. In the example of FIG. 6A, the execution date of the quota transaction, the name of the financial product sold by the quota transaction, the sale date, the book value valuation value and the market value valuation value at the time of sale of the financial product sold, the financial product purchased by the quota transaction, the purchase date, the book value valuation value of the purchased financial product, etc. are displayed. In the example of FIG. 6B, the reservation date of the nominal quota transaction, the name of the financial product to be sold by the nominal quota transaction, the planned sale date, the book value of the financial product to be sold, the name of the financial product to be purchased by the nominal quota transaction, the planned purchase date, the market value of the financial product to be purchased at the time of reservation of the nominal quota transaction, etc. are displayed. In addition, the screens of FIG. 6A and FIG. 6B display the increase amount (nominal quota effect) of the lifetime available amount that is effectively increased by compressing the principal by the nominal quota transaction. With such a screen, the customer can grasp the execution history and the execution schedule status of the nominal quota transaction for the financial product he / she owns. The control unit 11 may display the reason for the occurrence of the nominal quota transaction on the screens of FIG. 6A and FIG. 6B. For example, the situation where the selling condition is satisfied, specifically, the market value-to-book value ratio being equal to or less than a predetermined value, may be displayed as the reason for the occurrence of the nominal quota transaction.

[0039] Next, a process for the server 10 to purchase a financial product when at least one of the client's taxable account and tax-exempt account has purchasing margin (occurs) will be described. Fig. 7 is a flow chart showing an example of a purchasing process procedure.

[0040] The control unit 11 of the server 10 judges whether or not a certain customer has a purchasing margin in an account (taxable account and / or tax-exempt account) (S41). The judgment of the presence or absence of purchasing margin is performed periodically, for example, once every few hours, once a day, etc., and the control unit 11 judges that there is purchasing margin after funds are deposited into the tax-exempt account in steps S13 and S18 in Fig. 4, and after funds are deposited into the taxable account in step S15.

[0041] If it is determined that there is a purchasing capacity (S41: YES), the control unit 11 determines whether or not the purchase requirements for financial products within the investment limit of the tax-exempt account are met (S42). Here, the control unit 11 determines whether it corresponds to a predetermined periodic purchase within the range of the annual investment amount and lifetime available limit of the investment limit, and if it is determined that it corresponds to a periodic purchase, it determines that the purchase requirements for the investment limit are met. If it is determined that the purchase requirements for the investment limit are met (S42: YES), the control unit 11 allocates the amount of the purchasing capacity to the investment limit and executes a purchase process to purchase financial products with the investment limit (S43). Here, the control unit 11 specifies financial products to be purchased within the purchasing capacity and the purchase amount (trading amount) based on the purchasing capacity (product purchase amount) of the investment limit, the portfolio of financial products to be purchased that are set for the customer, etc., and executes a process to purchase the specified financial products. When the purchase process is completed, the control unit 11 stores the purchase date and the transaction details in the customer DB 12a as transaction information in the accumulated investment limit of the customer. The reason for the transaction here can be, for example, that there is a purchase margin.

[0042] When it is determined that the purchase requirements of the cumulative investment limit are not met (S42: NO), the control unit 11 determines whether or not the purchase requirements of financial products in the growth investment limit of the tax-free account are met (S44). Here, the control unit 11 determines whether there is a purchase margin within the annual investment amount and lifetime available limit of the growth investment limit, and when it is determined that there is a purchase margin within the range, it determines that the purchase requirements of the growth investment limit are met. When it is determined that the purchase requirements of the growth investment limit are met (S44: YES), the control unit 11 executes a purchase process to purchase financial products in the growth investment limit (S45). Step S45 is a process similar to step S43, although the purchase limit of financial products is different, and a process to purchase financial products within the purchase margin of the growth investment limit is executed. Note that, in the purchase process in the growth investment limit, the control unit 11 may obtain the expected return for each financial product of the purchase candidate, and perform the purchase process as the purchase target in order of the product with the largest expected return. When the purchase process is completed, the control unit 11 stores the purchase date and the transaction details in the customer DB 12a as transaction information in the growth investment limit of the client, and also sets the reason for the transaction here as "there is room for purchase."

[0043] If it is determined that the purchase requirements for the growth investment limit are not met (S44: NO), the control unit 11 executes a purchase process to purchase financial products in the taxable account (S46). Step S46 is the same process as step S43, although the purchase account for the financial products is different, and a process to purchase financial products within the purchasing capacity of the taxable account is executed. When the purchase process is completed, the control unit 11 stores the purchase date and transaction details in the customer DB 12a as transaction information in the taxable account of the client. After the process of step S43 or step S45, the control unit 11 returns to step S41, and if the account of the client has purchasing capacity, repeats the above-mentioned process.

[0044] When the control unit 11 determines that there is no purchasing capacity (S41: NO) or after the processing of step S46, the control unit 11 ends the above-mentioned processing. When purchasing capacity occurs in the customer's account by the above-mentioned processing, purchases are made with the regular investment limit as a top priority, followed by purchases with the growth investment limit, and purchases are made with the taxable account if purchases with the tax-exempt account are not possible. In this way, if purchases (purchases) with the tax-exempt account are possible, purchases with the tax-exempt account are made with priority, thereby making it possible to realize investments that effectively utilize the limits of the tax-exempt account. In addition, by preferentially using the regular investment limit, which has stricter restrictions on the terms of use than the growth investment limit, it is possible to keep the growth investment limit, which has looser restrictions on the terms of use, open, and it is possible to ensure a higher degree of freedom for future transactions. In addition, in the above-mentioned processing, when purchasing financial products with the growth investment limit, it is possible to minimize the expected tax cost for financial products that are subject to taxation by preferentially purchasing products with a large expected return.

[0045] Next, the process in which the server 10 withdraws funds from a customer's account (taxable account and tax-exempt account) will be described. FIG. 8 is a flow chart showing an example of the withdrawal process procedure. The control unit 11 of the server 10 identifies financial products that are candidates for sale among those held in a certain customer's account (taxable account and / or tax-exempt account) (S61). For example, the control unit 11 identifies, as a candidate for sale, a financial product that most exceeds the target holding ratio among the financial products held by the customer. Alternatively, the control unit 11 may identify, as a candidate for sale, a financial product whose market value-to-book value ratio is equal to or less than a predetermined value. The control unit 11 identifies the planned sales volume (trading volume) of the financial products identified as candidates for sale.

[0046] The control unit 11 judges whether the financial product (sale target) specified as a candidate for sale is held in a taxable account (S62), and if it is judged that it is held in a taxable account (S62: YES), executes a sale process of the financial product of the candidate for sale held in the taxable account (S63). The control unit 11 sells the financial product of the candidate for sale held in the taxable account within the range of the planned sale amount specified for the financial product of the candidate for sale. When the sale process is completed, the control unit 11 stores the date of sale and the transaction details (the reason for the transaction is, for example, a drop) as transaction information of the taxable account of the customer in the customer DB 12a. If it is judged that it is not held in a taxable account (S62: NO), the control unit 11 judges whether the financial product of the candidate for sale is held in the growth investment limit of a tax-exempt account (S64). If it is judged that it is held in the growth investment limit (S64: YES), the control unit 11 executes a sale process of the financial product of the candidate for sale held in the growth investment limit (S65). Here too, the control unit 11 sells the financial products that are candidates for sale and are held in the growth investment limit within the range of the specified planned sale amount. When the selling process is completed, the control unit 11 stores the selling date and the transaction details (the reason for the transaction is, for example, a drop) in the customer DB 12a as transaction information in the growth investment limit of the customer.

[0047] When the control unit 11 determines that the financial product identified as a candidate for sale is not held in the growth investment limit (S64: NO), it executes a sale process for the financial product of the candidate for sale held in the investment limit (S66). Here, too, the control unit 11 sells the financial product of the candidate for sale held in the investment limit within the range of the identified planned sale amount. When the sale process is completed, the control unit 11 stores the sale date and transaction details (the reason for the transaction is, for example, a drop) in the customer DB 12a as transaction information in the investment limit of the customer.

[0048] After the process of step S63 or step S65, the control unit 11 returns to step S61 and repeats the above-mentioned process each time a product to be sold is identified among the financial products held in the account of the client. When a financial product to be sold is present (occurs) in the account of the client through the above-mentioned process, the financial product to be sold that is held in the taxable account is sold with the highest priority, then the financial product to be sold that is held in the growth investment limit is sold, and finally the financial product to be sold that is held in the regular investment limit is sold. In this way, if there is a product to be sold in the taxable account, the taxable account is sold with priority, thereby making it possible to effectively use the limit of the tax-exempt account. In addition, by selling financial products held in the growth investment limit with priority over the regular investment limit, it is possible to provide space with priority in the growth investment limit, which has looser restrictions on the terms of use, and to ensure a higher degree of freedom for future transactions.

[0049] Next, a process in which the server 10 replaces financial products held in each account based on the expected return of financial products held in the taxable account and the tax-exempt account by a customer will be described. FIG. 9 is a flow chart showing an example of a replacement process procedure. The control unit 11 of the server 10 acquires the expected return of each financial product held in a certain customer's account (taxable account and / or tax-exempt account) (S81). The control unit 11 judges whether or not there is a financial product in the taxable account whose expected return is greater than that of the financial product held in the tax-exempt account (S82). If it is judged that there is no financial product in the taxable account whose expected return is greater than that of the financial product held in the tax-exempt account (S82: NO), the control unit 11 ends the process. Note that, for example, before step S81, the control unit 11 may judge whether or not there is a vacancy in the tax-exempt account of the customer (there is a remaining amount in the lifetime available amount), and if it is judged that there is no vacancy, it may execute the process from step S81 onwards. In this case, if there is a vacancy in the tax-exempt account, the purchase process in the tax-exempt account is performed by the process of FIG. 7.

[0050] Therefore, when there is no remaining balance in the lifetime available amount of the tax-exempt account and it is determined that there is a financial product in the taxable account with an expected return greater than the expected return of the financial product held in the tax-exempt account (S82: YES), the control unit 11 identifies the financial products to be replaced (products to be replaced) among the financial products held in the taxable account and the financial products held in the tax-exempt account (S83). For example, the control unit 11 identifies the financial product with the highest expected return among the financial products held in the taxable account and the financial product with the lowest expected return among the financial products held in the tax-exempt account as the products to be replaced.

[0051] The control unit 11 then executes a selling process for financial products identified as replacement targets among financial products held in the tax-exempt account (S84), and executes a selling process for financial products identified as replacement targets among financial products held in the taxable account (S85). The control unit 11 also executes a purchasing process for purchasing the same financial product as the financial product held in the taxable account sold in step S85 with the funds of the tax-exempt account (S86), and executes a purchasing process for purchasing the same financial product as the financial product held in the tax-exempt account sold in step S84 with the funds of the taxable account (S87). Here again, the control unit 11 may purchase financial products similar to the sold financial products or other financial products, in addition to the same financial products as the financial products held in the taxable account or tax-exempt account. In addition, the control unit 11 may execute a sale process of the financial product to be replaced after mid-December in steps S84 and S85, and execute a purchase process in the tax-exempt account of the financial product to be replaced after the lifetime available amount of the tax-exempt account is restored in the following year in steps S86 and S87. In addition, when a purchase process is performed using funds from the tax-exempt account in step S86, the control unit 11 executes the purchase process after determining whether or not the tax-exempt account (accumulation investment limit or growth investment limit) has a purchasing capacity (amount that can be purchased). Here, too, when the sale process is completed, the control unit 11 stores the sale date and transaction details (the reason for the transaction is, for example, account switching) in the customer DB 12a as transaction information for each account or each limit of the tax-exempt account of the customer, and when the purchase process is completed, the control unit 11 stores the purchase date and transaction details (the reason for the transaction is, for example, account switching) in the customer DB 12a as transaction information for each account or each limit of the tax-exempt account of the customer.

[0052] By using the above-described processing, when the expected return of a financial product held in a taxable account is greater than the expected return of a financial product held in a tax-exempt account, the expected tax cost on the taxable financial product can be minimized by swapping the financial products held in the taxable account and the tax-exempt account.

[0053] In the information processing system of this embodiment, the server 10 executes the processes shown in Figs. 4-5 and 7-9 in parallel or sequentially, and performs a selling process if a financial product held by each customer needs to be sold, and a purchasing process if a new financial product needs to be purchased, thereby automatically buying and selling financial products. Therefore, a customer can make an investment by effectively using the tax-free account limit, without having to understand the complicated NISA system, just by depositing money. Note that the selling conditions in steps S22 and S28 in Fig. 5 and the conditions for the candidate for sale in step S61 in Fig. 8 can be set to different conditions, so that the processes in Figs. 5 and 8 can be executed separately. In addition, in the information processing system of this embodiment, when the server 10 determines that the selling process or the purchasing process should be executed, it may be configured to notify the customer of the schedule for executing the selling process or the purchasing process via the customer terminal 20, and execute the selling process or the purchasing process after obtaining the execution permission from the customer.

[0054] FIG. 10 is an explanatory diagram showing an example of a screen. A customer can access the server 10 using the client terminal 20 and check the buying and selling history (transaction history) of financial products held in his / her account via the asset management site 12S. In the example shown in FIG. 10, the purchase or sale date of the financial products held by the client, the name of the financial product purchased or sold, the transaction content, the reason for the transaction, etc. are displayed. The transaction reason includes, for example, the occurrence of purchasing margin in a taxable account or a tax-exempt account (buying margin available), the decline of the held financial product (the market value-to-book value ratio is below a predetermined value), etc. With such a screen, the client can grasp the financial products held by the client, as well as the past buying and selling history, together with the reason for the occurrence of the buying and selling process of each financial product.

[0055] The matters described in the above-mentioned embodiments can be combined with each other. In addition, the independent claims and dependent claims described in the claims can be combined with each other in any and all combinations regardless of the citation format. Furthermore, the claims use a format in which a claim cites two or more other claims (multiple claim format), but this is not limited to this. A multiple claim (multi-multi claim) that cites at least one multiple claim may also be used.

[0056] The embodiments disclosed herein are illustrative in all respects and should not be considered as limiting. The scope of the present invention is not defined by the above meaning, but is defined by the claims, and is intended to include all modifications within the meaning and scope of the claims. Therefore, various design modifications are possible in the present invention, and all such design modifications are included in the present invention. [Explanation of symbols]

[0057] 10 Server 11 Control section 12 Storage section 13. Communications Department 20 Customer terminal 21 Control section 22 Memory section 23 Communications Department 12S Asset Management Site

Claims

1. Determine whether to sell financial instruments held by the customer in the tax-exempt account based on the book value and market value of the financial instruments; If you decide to sell, sell the financial product and purchase the same or a different financial product with the funds in the tax-exempt account. An information processing method in which processing is performed by a computer.

2. Calculating the ratio of the market value to the book value of said financial instruments; If the calculated ratio is equal to or less than a predetermined value, it is determined that the financial product is to be sold. The information processing method according to claim 1 , wherein the processing is executed by the computer.

3. When it is determined that the financial product should be sold, it is determined whether or not the growth investment limit in the tax-exempt account of the client has a purchasing capacity of a predetermined amount or more; If it is determined that there is a purchase margin, the financial product is sold at the time when it is determined that there is a purchase margin, and the same or a different financial product is purchased with the funds in the tax-exempt account.

3. The information processing method according to claim 1, wherein the processing is executed by the computer.

4. If it is determined that there is no such purchasing capacity, the financial product will be sold during a specified period from mid-December onwards, and the same or a different financial product will be purchased with the funds from the tax-exempt account during a specified period in the following year. The information processing method according to claim 3 , wherein the processing is executed by the computer.

5. when a deposit of the client's funds is accepted, allocate to the client's tax-exempt account an amount not exceeding the client's annual investment allowance in the tax-exempt account and allocate the remaining funds to the client's taxable account; When there is a vacancy in the annual investment allowance of the client's tax-exempt account, the financial products held in the client's taxable account are sold and the funds obtained by the sale are allocated to the client's tax-exempt account within the scope not exceeding the annual investment allowance of the client's tax-exempt account.

3. The information processing method according to claim 1, wherein the processing is executed by the computer.

6. When purchasing financial products using funds allocated to the tax-exempt account, the financial products are purchased using the cumulative investment limit in the tax-exempt account, and then the financial products are purchased using the growth investment limit. The information processing method according to claim 5 , wherein the processing is executed by the computer.

7. When a plurality of financial products are purchased using the funds allocated to the tax-exempt account, an expected return for each of the plurality of financial products is obtained; Purchase financial products with high expected returns using the growth investment limit in the tax-free account. The information processing method according to claim 5 , wherein the processing is executed by the computer.

8. If the financial product to be sold is held in the tax-exempt account, the financial products held in the growth investment limit will be sold first, and then the financial products held in the cumulative investment limit will be sold.

3. The information processing method according to claim 1, wherein the processing is executed by the computer.

9. obtaining expected returns on financial instruments held in the tax-exempt account and expected returns on financial instruments held in the customer's taxable account; If the expected return of the financial product held in the taxable account is greater than the expected return of the financial product held in the tax-exempt account, the financial product held in the taxable account is sold, a financial product identical or similar to the sold financial product is purchased with the funds of the tax-exempt account, the financial product held in the tax-exempt account is sold, and a financial product identical or similar to the sold financial product is purchased with the funds of the tax-exempt account.

3. The information processing method according to claim 1, wherein the processing is executed by the computer.

10. Get the investment schedule for your investment Based on the investment schedule obtained, a purchase plan for financial products is created within the investment limit of the tax-exempt account, When purchasing financial products within the aforementioned investment limit, purchase financial products based on the aforementioned purchase plan.

3. The information processing method according to claim 1, wherein the processing is executed by the computer.

11. Determine whether to sell financial instruments held by the customer in the tax-exempt account based on the book value and market value of the financial instruments; If you decide to sell, sell the financial product and purchase the same or a different financial product with the funds in the tax-exempt account. A program that causes a computer to carry out processing.

12. In an information processing device having a control unit, The control unit is Determine whether to sell financial instruments held by the customer in the tax-exempt account based on the book value and market value of the financial instruments; If you decide to sell, sell the financial product and purchase the same or a different financial product with the funds in the tax-exempt account. Information processing device.

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