Financial product management apparatus, control method of financial product management apparatus, and program

Abstract

To reduce the burden of a user of a courtesy program and allow the user to effectively use the courtesy program.SOLUTION: A financial product management apparatus includes: a condition-of-use storage unit which stores conditions of use of a first account, including provisions for a purchase period and a maximum purchase limit; a total amount calculation unit which calculates the total amount of the first account at a timing before the end of the purchase period; and a financial product management unit which uses the first account for managing a first financial product to be purchased when the conditions are satisfied, or uses the second account when the conditions are not satisfied. When a second financial product of the amount corresponding to a difference between the total amount and the maximum purchase limit is to be purchased and managed in the first account, the financial product management unit sells a third financial product of the amount corresponding to the purchase price of the second financial product, in the second account, the third financial product being selected based on prospective return and supposed risk, purchases the third financial product to be managed in the first account, and sells a fourth financial product whose current unit price has fallen below the unit price at the time of the purchase, the fourth financial product of the amount corresponding to the purchase price of the second financial product, and purchases the fourth financial product.SELECTED DRAWING: Figure 11

Description

Technical Field

[0001] The present invention relates to a financial product management device, a control method for the financial product management device, and a program.

Background Art

[0002] When investing in certain financial products such as stocks and investment trusts, depending on the purpose of investment, various preferential measures can be obtained by using systems such as NISA (Small Investment Non-Taxation System) and iDeCo (Individual Defined Contribution Pension).

[0003] For example, when using NISA, preferential measures such as non-taxation of profits (such as selling gains and dividends) obtained from purchased financial products can be received.

[0004] In addition, as a technology for managing such financial products, technologies have been developed that can efficiently manage the balance when making investments for different purposes (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0005]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0006] However, these preferential systems have detailed usage conditions, and users need to carefully check the usage conditions when purchasing new financial products, etc., which has become a heavy burden.

[0007] For example, when the financial products eligible for preferential treatment are limited to a certain range, every time a user purchases a new financial product, the user needs to confirm whether the financial product is eligible for preferential treatment. Alternatively, when the period during which preferential treatment can be received and the upper limit amount are determined, the user needs to purchase financial products within the upper limit amount during the period.

[0008] The present invention has been made in view of such problems, and an object thereof is to provide a financial product management device, a control method of the financial product management device, and a program that can reduce the burden on users when using a preferential system and enable more effective use of the preferential system.

Means for Solving the Problems

[0009] A financial product management device according to an embodiment of the present invention is a financial product management device that manages a customer's financial products using a plurality of accounts including a first account that can receive a predetermined preferential treatment and a second account that cannot receive the preferential treatment, and includes a usage condition storage unit that stores the usage conditions of the first account that should be satisfied in order to manage the financial products in the first account, and when purchasing a first financial product, verifies whether the first financial product can be managed in the first account by referring to the usage conditions, and if the usage conditions are satisfied, manages the first financial product in the first account, and if the usage conditions are not satisfied, manages the first financial product in the second account.

[0010] In addition, the problems disclosed in the present application and the solutions thereto are clarified by the description in the section of the mode for carrying out the invention and the description in the drawings.

Effects of the Invention

[0011] It is possible to reduce the burden on users when using the preferential system and enable more effective use of the preferential system.

Brief Description of the Drawings

[0012]

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Embodiments for Carrying Out the Invention

[0013] From the descriptions in this specification and the attached drawings, at least the following matters become clear. Hereinafter, the present invention will be described with reference to the attached drawings according to one of its embodiments. ==Overall Configuration== FIG. 1 shows an overall configuration example of a financial product management system 1000 including a financial product management apparatus 300 according to an embodiment of the present invention. The financial product management apparatus 300 is communicably connected to a user terminal 100 through a network 500 such as the Internet, a LAN (Local Area Network), or a telephone network.

[0014] The financial product management apparatus 300 is a computer that performs purchase and sale of financial products such as stocks and investment trusts, deposit and withdrawal from customers, and account management of customers. More specifically, the financial product management apparatus 300 is a computer that manages customers' financial products using a plurality of accounts including a first account that can receive predetermined preferential measures and a second account that cannot receive preferential measures. As an example, the financial product management apparatus 300 is operated by a financial product sales company (such as a securities company, a bank, or a credit union).

[0015] Also, in the present embodiment, this sales company proposes an optimal investment plan to customers according to the purpose and target amount of customers' asset management, investment period, risk tolerance, etc., and purchases investment trusts based on an investment entrustment contract with the customers.

[0016] A customer can select an optimal investment plan from among five investment plans of "stable type", "stable growth type", "growth type", "aggressive type", and "aggressive expansion type" set according to the level of risk-return as shown in FIG. 5, for example.

[0017] Each investment plan is configured by combining a plurality of financial products such as investment trusts with different incorporation ratios according to the level of risk-return.

[0018] Therefore, a customer will periodically purchase and accumulate a plurality of financial products at the ratios described in FIG. 5 according to the investment plan selected by the customer, or purchase them all at once. For this purpose, the financial product management apparatus 300 will periodically purchase or purchase all at once a plurality of financial products at the ratios described in FIG. 5 according to the investment plan selected by the customer.

[0019] In addition, the financial product management device 300 also supports the new NISA that will start in 2024. Therefore, for customers who have applied for the new NISA, the financial product management device 300 will open not only the specific account 420 (corresponding to the second account) but also the NISA account 410 (corresponding to the first account). Note that the financial product management device 300 may manage the specific account 420 and the NISA account 410 by assigning individual account numbers respectively, or may manage them with a common account number.

[0020] As is well known, the new NISA is composed of a lump-sum investment framework and a growth investment framework.

[0021] The lump-sum investment framework is a framework for cumulative investment that can invest in certain investment trusts suitable for long-term accumulation and diversified investment. The account opening period of the lump-sum investment framework has been made permanent, but the annual investment limit is set at 1.2 million yen. In addition, distributions and transfer gains obtained from investment trusts held in the lump-sum investment framework are tax-free indefinitely. However, there is a tax-free holding limit for the lump-sum investment framework, which is set at 18 million yen together with the growth investment framework.

[0022] On the other hand, the growth investment framework is a framework in which a wide range of financial products such as listed stocks (Japanese stocks and foreign stocks), ETFs (listed investment trusts), REITs (listed real estate investment trusts), and publicly offered equity investment trusts can be purchased. Therefore, by using the growth investment framework, it is also possible to purchase financial products that are not the targets of the lump-sum investment framework.

[0023] Also, in the case of the growth investment framework, the account opening period has been made permanent, but the annual investment limit is set at 2.4 million yen. And distributions and transfer gains obtained from financial products held in the growth investment framework are also tax-free indefinitely. The tax-free holding limit set for the growth investment framework is 12 million yen, and it is set at 18 million yen together with the lump-sum investment framework.

[0024] Note that the annual investment limit and the non-taxable insurance limit are the upper limits when the value at the time of purchasing financial products is accumulated (book value balance method). Also, in the case of the non-taxable insurance limit, when financial products purchased in the past are sold, the amount equivalent to the book value of the sold financial products can be reused in the following years. On the other hand, the annual investment limit is used up and does not revive even if purchased financial products are sold.

[0025] Next, the user terminal 100 is a computer operated by the above-mentioned customer or a person in charge such as a salesperson of a sales company handling the above-mentioned customer, and gives instructions such as deposit instructions and purchase and sale instructions of financial products to the financial product management device 300.

[0026] Note that the financial product management device 300 and the user terminal 100 may be a computer system physically constructed using hardware devices such as a server or a personal computer, or may be a computer system virtually constructed on a hardware device such as a virtual machine or a cloud computer.

[0027] Also, in FIG. 1, one financial product management device 300 and one user terminal 100 are shown, but either one or both of the financial product management device 300 and the user terminal 100 may be two or more.

[0028] The following will be described in detail. ==Financial Product Management Device== First, the financial product management device 300 will be described.

[0029] As shown in FIG. 2, the financial product management device 300 is composed of an information processing device such as a computer including a CPU 310, a memory 320, a communication device 330, a storage device 340, an input device 350, an output device 360, and a recording medium reader 370.

[0030] Note that FIG. 2 collectively shows the hardware configuration of the financial product management device 300 and the hardware configuration of the user terminal 100. Although these hardware configurations are not necessarily the same, their basic configurations are common. Therefore, in order to avoid duplication, these configurations are collectively shown in FIG. 2.

[0031] The CPU 310 controls the overall operation of the financial product management device 300. By reading out from the storage device 340 the financial product management device control program 730 composed of codes for performing various operations according to this embodiment and various data into the memory 320 and executing or processing them, various functions of the financial product management device 300 are realized.

[0032] For example, the CPU 310 executes or processes the financial product management device control program 730 and various data, and cooperates with hardware devices such as the memory 320, the communication device 330, and the storage device 340, thereby realizing various functions such as the usage condition storage unit 301, the financial product management unit 303, and the total amount calculation unit 304, which will be described later.

[0033] The storage device 340 is a non-volatile storage device such as a hard disk drive or an SSD (Solid State Drive). As shown in FIG. 3, the storage device 340 stores the financial product management device control program 730 executed by the financial product management device 300, various data such as the user management table 600, the financial product management table 610, the account management table 620, and the usage condition management table 630 (details will be described later).

[0034] The recording medium reader 370 reads the financial product management device control program 730 and various data recorded on a recording medium 800 such as a CD-ROM, a DVD, or a USB (registered trademark) memory, and stores them in the storage device 340.

[0035] The communication device 330 exchanges various data and programs with the user terminal 100 and other computers (not shown) via the network 500. For example, store the financial product management device control program 730 and data such as the various tables described above in another computer (not shown), and allow the financial product management device 300 to download these data and the financial product management device control program 730 from this computer. Alternatively, the various tables described above may be constructed in another computer.

[0036] The communication device 330 also functions as an interface for receiving various instructions input by customers from the user terminal 100.

[0037] The input device 350 is a device for inputting data such as a keyboard and a mouse. The output device 360 is a device for outputting data such as a display and a printer.

[0038] The financial product management device 300 may be implemented by a single computer or by a plurality of computers connected to be communicable with each other. ==User Terminal== Next, the user terminal 100 will be described.

[0039] As shown in FIG. 2, the user terminal 100 is composed of an information processing device such as a computer including a CPU 110, a memory 120, a communication device 130, a storage device 140, an input device 150, an output device 160, and a recording medium reader 170.

[0040] The CPU 110 controls the entire user terminal 100, reads out the user terminal control program 710 and various data composed of codes for performing various operations according to this embodiment stored in the storage device 140 into the memory 120, and executes or processes them, thereby realizing various functions as the user terminal 100 described in this embodiment.

[0041] As described above, since the user terminal 100 has the same configuration as the financial product management device 300, duplicate explanations are omitted. ==Table== Next, with reference to FIGS. 4 to 7, the user management table 600, the financial product management table 610, the account management table 620, and the usage condition management table 630 will be described. <User Management Table> The user management table 600 is a table that records customer information of a financial product sales company. An example of the user management table 600 is shown in FIG. 4. In the example shown in FIG. 4, as customer information, each piece of information such as "user ID", "operation plan", "monthly savings amount", "savings purchase date", "lump-sum investment amount", "lump-sum purchase date", "balance", "new NISA application", "automatic allocation", "automatic incorporation", and "automatic free space expansion" is shown.

[0042] In the "user ID" column, identification information uniquely assigned to each customer is recorded.

[0043] In the "operation plan" column, the operation plan selected by the customer is described. As shown in FIG. 5, the customer can select an operation plan according to their investment purpose, risk tolerance, etc. from among "stable type", "stable growth type", "growth type", "aggressive type", and "aggressive expansion type".

[0044] In the "monthly savings amount" column, the amount of the financial product that the customer purchases every month is described. This amount is set according to the customer's accumulation period and target amount. Although not shown in FIG. 4, the customer can also increase the savings amount in the specified month (July, December, etc. every year).

[0045] In the "savings purchase date" column, the date on which the financial product management device 300 periodically performs the purchase process of the financial product is described.

[0046] In the "lump-sum investment amount" column, the amount when the customer purchases the financial product in a lump sum is described. Note that the customer can also use both lump-sum investment and savings investment, or either one.

[0047] In the "Bulk Purchase Date" column, the date on which the financial product management device 300 makes a bulk purchase of financial products is recorded.

[0048] In the "Balance" column, the balance of the amount deposited by the customer to purchase financial products is recorded.

[0049] In the "New NISA Application" column, information indicating whether the customer has applied for a new NISA is recorded. When the customer starts transactions with this sales company, a comprehensive securities account 400 is opened, and financial products such as investment trusts and stocks are managed using the specific account 420 therein. However, when the customer has applied for a new NISA, an additional NISA account 410 (a cumulative investment frame account 411 and a growth investment frame account 412) is opened within the comprehensive securities account 400, and management of investment trusts and the like is performed using the NISA account 410.

[0050] In the "Automatic Allocation" column, information indicating whether the financial product management device 300 enables or disables the function of automatically determining and processing whether the purchased financial product is to be managed in the cumulative investment frame account 411, the growth investment frame account 412, or the specific account 420 is stored.

[0051] In the "Automatic Incorporation" column, information indicating whether to enable or disable the function of automatically re-incorporating the financial products purchased in the past and managed in the specific account 420 into the growth investment frame account 412 is stored.

[0052] In the "Automatic Free Frame Expansion" column, information indicating whether to enable or disable the function of selling the financial products purchased in the past and managed in the cumulative investment frame account 411 or the growth investment frame account 412 when their prices have dropped and then automatically re-incorporating them into the growth investment frame account 412 is stored.

[0053] Note that for customers who have not applied for a new NISA, such as the customer indicated by "A002" in FIG. 4, the functions of "Automatic Allocation", "Automatic Incorporation", and "Automatic Free Frame Expansion" are unnecessary and thus are disabled.

[0054] On the other hand, for customers who have applied for the new NISA, the functions of "automatic allocation" and "automatic inclusion" are standardly effective, and customers can choose whether to enable the function of "automatic free margin expansion". Of course, it may also be in a form where customers can choose whether to enable the functions of "automatic allocation", "automatic inclusion", and "automatic free margin expansion", or it may be in a form where the three functions are standardly effective. <Financial Product Management Table> The financial product management table 610 is a table that describes the financial products sold by the sales company to customers. As shown in FIG. 5, the financial products sold by the sales company include investment trusts such as "domestic stocks" indicated by No. 1, "developed country stocks" indicated by No. 2, and "emerging country stocks" indicated by No. 3. The sales company combines these financial products in various ratios to set multiple investment plans such as "stable type", "stable growth type", "growth type", "aggressive type", and "aggressive expansion type". Customers select an investment plan suitable for themselves from these investment plans by conducting an investment diagnosis.

[0055] Note that all the financial products included in these investment plans are targets of the growth investment margin of the new NISA, but there are a mixture of financial products that are targets of the lump-sum investment margin and those that are not. In the example shown in FIG. 5, for example, "domestic stocks" of No. 1, "developed country stocks" of No. 2, and "emerging country stocks" of No. 3 are targets of both the growth investment margin and the lump-sum investment margin, but "domestic bonds" of No. 4 and "developed country creditor's rights" of No. 5 are targets of the growth investment margin but not of the lump-sum investment margin.

[0056] Although not shown in FIG. 5, "hedge foreign debts", "emerging country creditor's rights", "domestic REITs", "developed country REITs", etc. below No. 6 are also targets of the growth investment margin but not of the lump-sum investment margin. In addition, specific theme-based funds such as "gender", "decarbonization", and "innovation" are also targets of the growth investment margin but not of the lump-sum investment margin. Also, the investment plans may include financial products that are not targets of the new NISA.

[0057] Note that the financial products described in the financial product table 610 are not limited to the above, and other financial products may be included. <Account Management Table> The account management table 620 is a table for managing the comprehensive securities account 400 opened by the customer. When the customer has not applied for the new NISA, the comprehensive securities account 400 becomes the specific account 420. When the customer has applied for the new NISA, the NISA account 410 and the specific account 420 are included.

[0058] The example shown in FIG. 6 shows the state of the comprehensive securities account 400 of a customer who has applied for the new NISA.

[0059] The NISA account 410 is an account (the first account) that can receive the predetermined preferential measures defined in the new NISA. Specifically, the distribution income and transfer profit obtained from the financial products held in the NISA account 410 are tax-free indefinitely. In addition, the NISA account 410 is further managed by dividing it into two accounts: the cumulative investment frame account 411 and the growth investment frame account 412.

[0060] Therefore, both the cumulative investment frame account 411 and the growth investment frame account 412 are the first accounts that can receive the predetermined preferential measures. The financial products held in the cumulative investment frame account 411 and the financial products held in the growth investment frame account 412 are also tax-free indefinitely for distribution income and transfer profit.

[0061] In the example shown in FIG. 6, it shows how the "domestic stocks" of No. 1 and "advanced country stocks" of No. 2 shown in FIG. 5, which are the targets of the cumulative investment frame, are managed in the cumulative investment frame account 411. In addition, in the growth investment frame account 412, the "domestic bonds" of No. 4 and "advanced country creditor's rights" of No. 5 shown in FIG. 5, which are the targets of the growth investment frame, are managed.

[0062] On the other hand, the specific account 420 is an account (second account) that cannot receive the preferential measures of the new NISA. Therefore, distributions and transfer profits obtained from financial products managed in the specific account 420 are subject to taxation. In the specific account 420, financial products that exceed the utilization limit of the new NISA and financial products not subject to the new NISA are managed. <Usage Condition Management Table> The usage condition management table 630 is a table created based on the content of the new NISA system, and is a table that stores the usage conditions of the NISA account 410 that must be satisfied in order to manage financial products in the NISA account 410. More specifically, the usage condition management table 630 stores the usage conditions of the cumulative investment frame account 411 that must be satisfied in order to manage financial products in the cumulative investment frame account 411, and the usage conditions of the growth investment frame account 412 that must be satisfied in order to manage financial products in the growth investment frame account 412. An example of the usage condition management table 630 is shown in FIG. 7.

[0063] By referring to this usage condition management table 630, the usage conditions of the cumulative investment frame account 411 are (1) The purchasable period of financial products permanently repeats in units of one year from January to December. (2) The purchasable amount of financial products (first-year purchasable amount) within the one-year purchasable period is up to 1.2 million yen (first-year investment frame) at book value. (3) The total amount of financial products that can be managed in the cumulative investment frame account 411 (first total amount) is up to 18 million yen (first non-taxable limit amount) at book value when combining the cumulative investment frame account 411 and the growth investment frame account 412. (4) When selling financial products managed in the cumulative investment frame account 411, the amount (book value) of that portion is reduced from the first total amount in the following year. (5) There are certain restrictions on financial products that can be managed in the cumulative investment frame account 411. (6) The target age is 18 years old or older. (7) Rollover from the current NISA system is not possible. It can be seen that each of the above conditions is included.

[0064] Similarly, the usage conditions of the growth investment account 412 are as follows: (1) The purchasable period of financial products is permanently repeated in units of one year from January to December. (2) The purchasable amount of financial products within the one-year purchasable period (the purchasable amount for the second year) is up to 2.4 million yen (the investment limit for the second year) at book value. (3) The total amount of financial products that can be managed by the growth investment account 12 (the total amount for the second year) is up to 12 million yen (the non-taxable insurance limit for the second year) at book value, and the combined total of the cumulative investment account 411 and the growth investment account 412 is up to 18 million yen (the non-taxable insurance limit for the first year) at book value. (4) When selling financial products managed by the growth investment account 412, the amount (book value) of that portion will be deducted from the total amount for the second year in the following year. (5) There are certain restrictions on the financial products that can be managed by the growth investment account 412. (6) The target age is 18 years old or above. (7) Rollover from the current NISA system is not allowed. It can be seen that each of the above conditions is included.

[0065] Therefore, when newly purchasing financial products and managing them with the cumulative investment account 411, the purchasable amount X1 is as follows: Let the total amount (book value) of all financial products managed by the cumulative investment account 411 be A1, among which the total amount (book value) of financial products purchased since January of this year and managed by the cumulative investment account 411 be A2, and the total amount (book value) of financial products managed by the growth investment account 412 be B1. X1 = min[(1.2 million yen - A2), ((18 million yen - B1) - A1)] …(Equation 1) That is the case.

[0066] Here, the term (1.2 million yen - A2) is the difference (the first difference) between the first-year investment limit (= the first purchase limit) and the total amount (the first total amount) of financial products purchased since January of this year and managed by the cumulative investment account 411.

[0067] Also, the term ((18 million yen - B1) - A1) is the difference (= the second purchase limit) between the first non-taxable insurance limit amount and the total amount of financial products managed in the growth investment account 412, and the total amount of financial products managed in the cumulative investment account 411 (the second total amount) (the second difference).

[0068] And the purchasable amount X1 is the smaller amount of the first difference and the second difference.

[0069] By dividing the purchasable amount X1 obtained as described above by the remaining number of months of savings until December, the monthly savings amount is calculated, and thereafter, by saving with this savings amount, the tax preferential measures provided for the cumulative investment account can be utilized to the maximum extent possible.

[0070] Similarly, when newly purchasing a financial product and managing it in the growth investment account 412, the purchasable amount X2 is as follows: Let the total amount (book value) of the financial products managed in the cumulative investment account 411 be A1, the total amount (book value) of the financial products managed in the growth investment account 412 be B1, and among them, the total amount (book value) of the financial products purchased after January of this year and managed in the growth investment account 412 be B2. X2 = min[(2.4 million yen - B2), (min[12 million yen, (18 million yen - A1)] - B1)] …(Equation 2) That is the case.

[0071] Here, the term (2.4 million yen - B2) is the difference (the third difference) between the second-year investment account (= the third purchase limit) and the total amount (the third total amount) of the financial products purchased after January of this year and managed in the growth investment account 412.

[0072] Also, the term (min[12 million yen, (18 million yen - A1)] - B1) is the difference (the fourth difference) between the smaller amount of the "second non-taxable insurance limit amount" and the amount obtained by subtracting the total amount of the financial products managed in the cumulative investment account 411 from the first non-taxable insurance limit amount (= the fourth purchase limit) and the total amount of the financial products managed in the growth investment account 412 (= the fourth total amount).

[0073] The purchasable amount X2 is the smaller amount between the third difference and the fourth difference.

[0074] Note that (Equation 2) is X2 = min[(2.4 million yen - B2), (12 million yen - B1), ((18 million yen - A1) - B1)] …(Equation 3) can also be expressed as

[0075] In this case, the term (12 million yen - B1) is the difference (the fifth difference) between the "second non-taxable insurance limit amount" (= the fifth purchase limit amount) and the total amount of financial products managed in the growth investment account 412 (= the fifth total amount).

[0076] Also, the term ((18 million yen - A1) - B1) is the difference (the sixth difference) between the amount obtained by subtracting the total amount of financial products managed in the cumulative investment account 411 from the first non-taxable insurance limit amount (= the sixth purchase limit amount) and the total amount of financial products managed in the growth investment account 412 (the sixth total amount).

[0077] In this case, the purchasable amount X2 is the minimum amount among the third difference, the fifth difference, and the sixth difference.

[0078] Then, by newly purchasing financial products corresponding to the amount equivalent to the purchasable amount X2 obtained as described above and managing them in the growth investment account 412, the merits of the tax preferential measures given to the growth investment account can be maximized. ==Functional Configuration and Processing Flow== Next, the functions and processing flow of the financial product management device 300 will be described with reference to FIGS. 8 to 16. As shown in FIG. 8, the financial product management device 300 according to the present embodiment has functions of a usage condition storage unit 301, a financial product management unit 303, and a total amount calculation unit 304.

[0079] These functions are realized by the financial product management device control program 730 being executed by the hardware of the financial product management device 300. <Usage Condition Storage Unit> The usage condition storage unit 301 stores the usage conditions of the NISA account 410 that must be satisfied for managing financial products in the NISA account 410 (the lump-sum investment frame account 411 and the growth investment frame account 412). In the present embodiment, the usage condition storage unit 301 is embodied as the above-described usage condition management table 630.

[0080] And these usage conditions include regulations regarding the purchasable period and the purchase limit amount of the financial products managed in the NISA account 410.

[0081] For example, the purchasable period is one year from January to December and repeats permanently every year. Also, the purchase limit amount is the upper limit value when the total amount of each financial product managed in the NISA account 410 is calculated at the unit price at the time of purchase (the upper limit value when calculated at the book value), as exemplified by the first purchase limit amount to the sixth purchase limit amount above. <Total amount calculation unit> The total amount calculation unit 304 calculates the total amount of the financial products managed in the NISA account 410 (the first account) at a predetermined timing before the end of the above-described purchasable period. For example, the total amount calculation unit 304 calculates the total amount on a predetermined date (e.g., the business day following the purchase date) in December, which is the final month of the purchasable period every year.

[0082] Specifically, the total amount calculation unit 304 calculates the total amount of the financial products purchased that year and managed in the growth investment frame account 412 (the above-described B2, the third total amount), the total amount of all the financial products managed in the growth investment frame account 412 (the above-described B1, the fourth total amount to the sixth total amount), the total amount of all the financial products managed in the lump-sum investment frame account 411 (the above-described A1, the second total amount), and the total amount of the financial products purchased that year and managed in the lump-sum investment frame account 411 (the above-described A2, the first total amount). Note that the total amount calculation unit 304 calculates these total amounts at the unit price when the financial products are purchased.

[0083] By calculating these total amounts, the total amount calculation unit 304 can confirm how much purchasing power remains for the lump-sum investment account and the growth investment account. <Financial Product Management Department> -Automatic Allocation Function- When purchasing the first financial product, the Financial Product Management Department 303 verifies whether the first financial product can be managed in the NISA account 410 with reference to the above usage conditions. If the usage conditions are met, this first financial product is managed in the NISA account 410. If the usage conditions are not met, the first financial product is managed in the specific account 420 (the second account).

[0084] More specifically, when purchasing the first financial product, the Financial Product Management Department 303 verifies whether the first financial product can be managed in the lump-sum investment account 411 and whether it can be managed in the growth investment account 412 with reference to the above usage conditions. If the usage conditions of the lump-sum investment account 411 are met, this first financial product is managed in the lump-sum investment account 411. If the usage conditions of the growth investment account 412 are met, this first financial product is managed in the growth investment account 412. If neither usage condition is met, the first financial product is managed in the specific account 420 (the second account).

[0085] In such a manner, the Financial Product Management Department 303 can realize the automatic allocation function described below.

[0086] As shown in FIG. 9, the automatic allocation function is a function that automatically allocates the financial products purchased by the customer to the most suitable account among the lump-sum investment account 411, the growth investment account 412, and the specific account 420 according to the usage conditions of the NISA account 410 and manages them.

[0087] For example, when verifying whether the first financial product is subject to the lump-sum investment framework or the growth investment framework, the Financial Product Management Department 303 refers to the financial product management table 610 shown in FIG. 5. If it is any of No1 to No3, it is determined that it is subject to the lump-sum investment framework. If it is any of No4 and later, it is determined that it is subject to the growth investment framework. Also, if the first financial product is neither subject to the lump-sum investment framework nor the growth investment framework, the Financial Product Management Department 303 manages the first financial product in the specific account 420 (second account).

[0088] Of course, in addition to the financial product management table 610, the Financial Product Management Department 303 may refer to a list (not shown) of financial products that are the targets of the lump-sum investment framework and the growth investment framework of the new NISA, which is publicly available on the web, to verify whether the first financial product is subject to the lump-sum investment framework, the growth investment framework, or neither.

[0089] The automatic allocation function will be described in detail with reference to FIG. 10. FIG. 10 shows the processing flow of the Financial Product Management Department 303 at the stage where a customer opens a comprehensive securities account 400 and a NISA account 410 with a sales company (S1000, S1010), deposits funds (S1020), and then purchases the first financial product.

[0090] In principle, when the Financial Product Management Department 303 determines that the first financial product is subject to the lump-sum investment framework, it manages this first financial product in the lump-sum investment framework account 411 (S1040). When it determines that it is not subject to the lump-sum investment framework but is subject to the growth investment framework, it manages this first financial product in the growth investment framework account 412 (S1060). When it determines that it is neither subject to the lump-sum investment framework nor the growth investment framework, it manages this first financial product in the specific account 420 (S1070). However, for the amount exceeding the annual usage limit (1.2 million yen) of the lump-sum investment framework, the Financial Product Management Department 303 manages it in the growth investment framework account 412 (S1030). Furthermore, for the amount exceeding the annual usage limit (2.4 million yen) of the growth investment framework or the non-taxable insurance limit (12 million yen or 18 million yen), the Financial Product Management Department 303 manages it in the specific account 420 (S1050).

[0091] In such a manner, even if the target products are different between the lump-sum investment account and the growth investment account, or there are limits to the holding amounts that can be managed in each account, customers can easily use the NISA account 410 without a heavy burden and can effectively utilize the preferential measures of the new NISA system without waste.

[0092] In this embodiment, the financial product management unit 303 enables the above automatic allocation function as a standard, but customers may be allowed to select whether to use the automatic allocation function or not. In this case, the financial product management device 300 receives an instruction input from the customer indicating whether to use the automatic allocation function or not through the communication device 330, and switches whether to enable or disable the automatic allocation function according to this instruction input. In such a manner, it becomes possible to provide the automatic allocation function according to the customer's request.

[0093] In this case, when the customer once selects to enable the automatic allocation function, the financial product management unit 303 enables the automatic allocation function thereafter unless there is a change from the customer, but may confirm with the customer whether to enable the automatic allocation function or not at an appropriate timing. -Growth Investment Account Utilization Function- In addition, when the total amount calculated by the above-described total amount calculation unit 304 has not reached the purchase limit amount, the financial product management unit 303 may have a function of newly purchasing a second financial product within the amount not exceeding the difference between this total amount and the purchase limit amount and managing it in the growth investment account 412 (the first account).

[0094] For example, the financial product management unit 303 newly purchases a second financial product by the amount of the purchasable amount X2 calculated using the above-described (Equation 2) and (Equation 3) and manages it in the growth investment account 412.

[0095] In such a manner, the financial product management unit 303 can implement a growth investment quota utilization function that serves as the basis for implementing the automatic incorporation function and the automatic free quota expansion function described below. As a result, customers can purchase financial products up to the purchase limit of the growth investment quota of the new NISA, and it becomes possible to maximize the preferential benefits.

[0096] Note that at this time, the financial product management device 300 may receive an instruction input regarding the necessity of purchasing a second financial product through the communication device 330, and when receiving an instruction to purchase the second financial product, may purchase the second financial product.

[0097] In such a manner, it becomes possible to process whether to purchase the second financial product up to the purchase limit of the growth investment quota according to the customer's request.

[0098] Naturally, the above-mentioned second financial product is a financial product that satisfies the usage conditions of the growth investment quota account 412. The second financial product purchased by the financial product management unit 303 may be determined in advance, or an instruction input for designating the second financial product may be received from the customer through the communication device 330, and the second financial product designated by the instruction input may be purchased.

[0099] Also, like the automatic incorporation function described below, the third financial product managed in the specific account 420 may be sold, and the same third financial product may be purchased as the second financial product and managed in the growth investment quota account 412.

[0100] Alternatively, like the automatic free quota expansion function described below, the fourth financial product managed in the cumulative investment quota account 411 or the growth investment quota account 412 may be sold, and the same fourth financial product may be purchased as the second financial product and managed in the growth investment quota account 412. - Automatic Incorporation Function - When the total amount calculated by the total amount calculation unit 304 does not reach the purchase limit amount, and when the third financial product of the customer is being managed in the specific account 420, the Financial Product Management Department 303 may sell the third financial product by an amount corresponding to the purchase amount of the second financial product described above, and then newly purchase the third financial product as the second financial product and manage it in the growth investment frame account 412.

[0101] In such a manner, the Financial Product Management Department 303 can realize the automatic incorporation function described below.

[0102] The automatic incorporation function is a function that is executed at a predetermined timing (for example, a predetermined date in December) before the end of the purchasable period every year. When there is room in the holding limit amount and the annual investment frame of the growth investment frame account 412 and certain conditions are satisfied, it is a function of selling the securities investment trust of the specific account 420 (taxable) and automatically incorporating it into the growth investment frame account 412.

[0103] Specifically, as shown in FIG. 11, when there is room in the annual purchase limit amount (2.4 million yen) of the growth investment frame account 412 (for example, 0.9 million yen), within the range not exceeding the holding limit amount (12 million yen, 18 million yen) of the growth investment frame account 412, the financial product being managed in the specific account 420 (the third financial product described above) is sold by an amount within the range of the above-mentioned room (for example, 0.9 million yen), and the same financial product (third financial product) is repurchased at the same amount (for example, 0.9 million yen) and managed in the growth investment frame account 412.

[0104] The automatic incorporation function will be described in detail with reference to FIG. 12. FIG. 12 shows the flow of processing performed by the Financial Product Management Department 303 when the above-mentioned predetermined timing arrives.

[0105] First, the Financial Product Management Department 303 determines whether there is an available frame in the growth investment frame account 412 by calculating the above-mentioned purchasable amount X2 using (Equation 2) or (Equation 3) (S2000).

[0106] If there is no available quota, the Financial Product Management Department 303 ends the process. If there is an available quota, the Financial Product Management Department 303 determines whether there is a financial product (the third financial product) managed in the specific account 420 (S2010).

[0107] If there is no financial product (the third financial product) managed in the specific account 420, the Financial Product Management Department 303 ends the process.

[0108] On the other hand, if there is a financial product (the third financial product) managed in the specific account 420, the Financial Product Management Department 303 sells the financial product (the third financial product) corresponding to the amount equivalent to the above purchasable amount X2 from the specific account 420 (S2030).

[0109] Then, the Financial Product Management Department 303 repurchases this financial product (the third financial product) at the same amount and manages it in the growth investment quota account 412 (S2040).

[0110] In such a manner, even though the growth investment quota is available, it is possible to reduce the financial products remaining in the specific account 420 and efficiently utilize the preferential measures of the growth investment quota.

[0111] In this embodiment, the Financial Product Management Department 303 enables the above automatic incorporation function as a standard, but the customer may be allowed to select whether to use the automatic incorporation function. In this case, the Financial Product Management Device 300 receives an instruction from the customer regarding the necessity of selling the third financial product and purchasing the third financial product (the second financial product) through the communication device 330, and may perform the sale of the third financial product and the purchase of the third financial product (the second financial product) when receiving an instruction to that effect. In such a manner, it becomes possible to provide the automatic incorporation function according to the customer's request.

[0112] In addition, when the customer once selects to enable the automatic inclusion function, the Financial Product Management Department 303 will enable the automatic inclusion function thereafter, unless there is a change from the customer. However, the Financial Product Management Department 303 may also confirm with the customer every year at the above-mentioned predetermined timing whether to enable the automatic inclusion function or not.

[0113] Naturally, the third financial product managed by the specific account 420 satisfies the usage conditions of the growth investment framework account 412. Also, when there are multiple types of third financial products that satisfy the usage conditions of the growth investment framework account 412, the Financial Product Management Department 303 will, for example, confirm the expected return and assumed risk of each third financial product, and select one brand with the highest expected return. When there are multiple brands with the highest expected return, the Financial Product Management Department 303 will select one brand with the smallest assumed risk among them. When there are still multiple brands that meet these criteria, the Financial Product Management Department 303 will sell and purchase these brands in equal amounts. Alternatively, the Financial Product Management Department 303 may receive an instruction input specifying the third financial product from the customer through the communication device 330, and sell and purchase the third financial product specified by the instruction input. -Automatic Free Frame Expansion Function- Also, when the total amount calculated by the total amount calculation unit 304 has not reached the purchase limit amount, if there is a fourth financial product among the financial products managed by the growth investment framework account 412 whose current unit price is lower than the unit price at the time of purchase, the Financial Product Management Department 303 will sell the fourth financial product at the current unit price for an amount equivalent to the purchase amount of the second financial product described above, and then purchase the fourth financial product at the current unit price as a new second financial product and manage it with the growth investment framework account 412.

[0114] In such a manner, the Financial Product Management Department 303 can realize the automatic free frame expansion function described below.

[0115] The automatic free margin expansion function is a function that is executed at a predetermined timing (for example, a predetermined date in December) before the end of the annual purchasable period. When the benchmark value of financial products such as securities investment trusts held in the NISA account 410 falls below the acquisition value (book value) by a certain amount or more, it automatically sells the product once and then repurchases it at the same amount (for example, 1.5 million yen) in the growth investment margin account 412 for management.

[0116] Specifically, as shown in FIG. 13, when there is a financial product (the fourth financial product) that was purchased at a price of 3 million yen and has now dropped in value to 1.5 million yen among the financial products managed in the growth investment margin account 412, the financial product management department 303 sells this financial product once and then repurchases the same financial product (the fourth financial product) at the same amount (for example, 1.5 million yen) and manages it in the growth investment margin account 412.

[0117] Therefore, when there is a surplus in the annual investment margin of the growth investment margin, by repurchasing such a depreciated financial product within the scope of the growth investment margin, it is possible to expand the non-taxable holding limit (12 million yen, 18 million yen) for the next year without wasting the annual investment margin (2.4 million yen).

[0118] The automatic free margin expansion function will be described in detail with reference to FIGS. 14 to 16. FIGS. 14 to 16 are diagrams for explaining the automatic free margin expansion function by case, and show the flow of processing performed by the financial product management department 303 when the above-mentioned predetermined timing arrives.

[0119] FIG. 14 shows a case where a financial product with an unrealized loss managed in the growth investment margin account 412 is repurchased and managed in the growth investment margin account 412.

[0120] FIG. 15 shows a case where a financial product with an unrealized loss managed in the cumulative investment margin account 411 is repurchased and managed in the growth investment margin account 412.

[0121] FIG. 16 shows a case where the financial product with the larger unrealized loss amount is repurchased and managed in the growth investment account 412 by comparing the financial product managed in the growth investment account 412 and the financial product managed in the lump-sum investment account 411.

[0122] First, the case shown in FIG. 14 will be described.

[0123] The financial product management department 303 determines whether there is an available margin in the growth investment account 412 by calculating the above-mentioned purchasable amount X2 using (Equation 2) or (Equation 3) (S3000).

[0124] If there is no available margin, the financial product management department 303 ends the process. However, if there is an available margin, the financial product management department 303 checks for the presence of a financial product with an unrealized loss (the fourth financial product) in the growth investment account 412 (S3010).

[0125] If there is no financial product with an unrealized loss (the fourth financial product), the financial product management department 303 ends the process. However, if such a financial product (the fourth financial product) exists, the financial product management department 303 sells the fourth financial product corresponding to the amount equivalent to the above-mentioned purchasable amount X2 from the growth investment account 412 (S3020).

[0126] Then, the financial product management department 303 repurchases this financial product (the fourth financial product) at the same amount and manages it in the growth investment account 412 (S3030).

[0127] In this way, it is also possible to expand the non-taxable insurance limit (12 million yen, 18 million yen) in the following year without wasting the annual investment limit (2.4 million yen) of the growth investment account, and it becomes possible to efficiently utilize the preferential measures.

[0128] Subsequently, the case shown in FIG. 15 will be described.

[0129] The Financial Product Management Department 303 determines whether there is an available balance in the Growth Investment Frame Account 412 by calculating the above-mentioned purchasable amount X2 using (Equation 2) or (Equation 3) (S4000).

[0130] If there is no available balance, the Financial Product Management Department 303 terminates the process. However, if there is an available balance, the Financial Product Management Department 303 checks for the presence of a financial product with an embedded loss (Fourth Financial Product) in the Cumulative Investment Frame Account 411 (S4010).

[0131] If there is no financial product with an embedded loss (Fourth Financial Product), the Financial Product Management Department 303 terminates the process. However, if such a financial product (Fourth Financial Product) exists, the Financial Product Management Department 303 sells a financial product (Fourth Financial Product) corresponding to the amount equivalent to the above-mentioned purchasable amount X2 from the Cumulative Investment Frame Account 411 (S4020).

[0132] Then, the Financial Product Management Department 303 repurchases this financial product (Fourth Financial Product) at the same amount and manages it in the Growth Investment Frame Account 412 (S4030).

[0133] In this manner as well, it becomes possible to expand the non-taxable insurance limit frames (12 million yen, 18 million yen) in the following year without wasting the annual investment frame (2.4 million yen) of the growth investment frame, and it becomes possible to efficiently utilize the preferential measures.

[0134] Subsequently, the case shown in FIG. 16 will be described.

[0135] The Financial Product Management Department 303 determines whether there is an available balance in the Growth Investment Frame Account 412 by calculating the above-mentioned purchasable amount X2 using (Equation 2) or (Equation 3) (S5000).

[0136] If there is no available balance, the Financial Product Management Department 303 terminates the process. However, if there is an available balance, the Financial Product Management Department 303 checks for the presence of a financial product with an embedded loss (Fourth Financial Product) in the Cumulative Investment Frame Account 411 and the Growth Investment Frame Account 412 (S5010, S5020).

[0137] If there is no financial product with an unrealized loss (the fourth financial product) in either the cumulative investment frame account 411 or the growth investment frame account 412, the Financial Product Management Department 303 ends the process. If there is a financial product with an unrealized loss (the fourth financial product) in either one of the accounts, the Financial Product Management Department 303 performs the process shown in FIG. 14 or FIG. 15.

[0138] Also, if there is such a financial product with an unrealized loss (the fourth financial product) in both accounts, the Financial Product Management Department 303 determines which has the larger unrealized loss, and sells the financial product (the fourth financial product) with the larger unrealized loss by an amount corresponding to the above purchasable amount X2 (S5030).

[0139] Then, the Financial Product Management Department 303 repurchases this financial product (the fourth financial product) at the same amount and manages it in the growth investment frame account 412 (S5040).

[0140] According to such a mode, without wasting the annual investment frame (2.4 million yen) of the growth investment frame, it becomes possible to more greatly expand the non-taxable insurance limit frames (12 million yen, 18 million yen) in the following year, and it becomes possible to more efficiently utilize the preferential measures.

[0141] In this embodiment, the customer can freely select whether or not the Financial Product Management Department 303 uses the above automatic free frame expansion function. For this reason, the Financial Product Management Device 300 receives an instruction from the customer regarding the necessity of selling the fourth financial product and purchasing the fourth financial product (the second financial product) through the communication device 330, and when receiving an instruction to sell the fourth financial product and purchase the fourth financial product (the second financial product), the Financial Product Management Device 300 sells the fourth financial product and purchases the fourth financial product (the second financial product). According to such a mode, it becomes possible to provide the automatic free frame expansion function according to the customer's request.

[0142] In addition, when the customer once selects to enable the automatic free margin expansion function, the Financial Product Management Department 303 will enable the automatic free margin expansion function thereafter, unless there is a change from the customer. However, the Financial Product Management Department 303 may confirm with the customer every year at the above-mentioned predetermined timing whether to enable the automatic free margin expansion function or not.

[0143] Alternatively, of course, the Financial Product Management Department 303 may standardly enable the above-mentioned automatic free margin expansion function.

[0144] As described above, the financial product management device 300, the control method of the financial product management device 300, and the program according to the present embodiment have been described. According to the present embodiment, the burden on the user when using the preferential system can be reduced, and the user can use the preferential system more effectively. For example, for customers aiming at long-term asset formation, it is possible to utilize the lifetime investment limit of 18 million yen of the new NISA system and contribute to maximizing the managed assets.

[0145] Note that the above-described embodiments are for facilitating the understanding of the present invention and are not for limiting the interpretation of the present invention. The present invention can be changed and improved without departing from its gist, and the equivalents of the present invention are also included therein.

[0146] For example, in the above embodiment, the case where the customer conducts a pre-operation diagnosis and selects an operation plan suitable for himself / herself from a plurality of operation plans such as "stable type", "stable growth type", "growth type", "aggressive type", "aggressive expansion type", etc. has been described. However, instead of selecting and operating a specific operation plan, it is also possible that the customer selects and operates financial products by himself / herself.

[0147] Also, for example, in the above embodiment, the case of applying to the new NISA system has been taken as an example for explanation. However, it is applicable as appropriate when managing the customer's financial products using a plurality of accounts including a first account that can receive predetermined preferential measures and a second account that cannot receive preferential measures, not limited to the new NISA system.

Explanation of Reference Numerals

[0148] 100 User terminal 110 CPU 120 Memory 130 Communication device 140 Storage device 150 Input device 160 Output device 170 Recording medium reader 300 Financial product management device 301 Usage condition storage section 303 Financial product management section 304 Total amount calculation section 310 CPU 320 Memory 330 Communication device 340 Storage device 350 Input device 360 Output device 370 Recording medium reader 400 Comprehensive securities account 410 NISA account 411 Lump-sum investment frame account 412 Growth investment frame account 420 Specific account 500 Network 600 User management table 610 Financial product management table 620 Account management table 630 Usage condition management table 710 User terminal control program 730 Financial product management device control program 800 Recording medium 1000 Financial product management system

Claims

1. A financial product management device that manages financial products of a customer using a plurality of accounts including a first account that can receive a predetermined preferential treatment and a second account that cannot receive the preferential treatment, comprising: a usage conditions storage unit that stores usage conditions of the first account that must be satisfied in order to manage the financial product in the first account; a financial product management unit that, when purchasing a first financial product, verifies whether or not the first financial product can be managed in the first account by referring to the terms of use, and if the terms of use are met, manages the first financial product in the first account, and if the terms of use are not met, manages the first financial product in the second account; A financial product management device comprising:

2. 2. The financial product management device according to claim 1, The terms of use include provisions regarding the purchase period and purchase limit of financial products that can be managed in the first account; a total amount calculation unit that calculates the total amount of financial products managed in the first account at a predetermined timing before the end of the purchase period; Further equipped with When the total amount does not reach the purchase limit, the financial product management unit newly purchases a second financial product in an amount corresponding to the difference between the total amount and the purchase limit, and manages the second financial product in the first account. Financial product management device.

3. 3. The financial product management device according to claim 2, an interface for receiving an instruction from the customer regarding whether or not to purchase the second financial product; when the financial product management unit receives an instruction to purchase the second financial product, the financial product management unit purchases the second financial product if the total amount does not reach the purchase limit amount; Financial product management device.

4. 3. The financial product management device according to claim 2, When the total amount does not reach the purchase limit amount, if a third financial product of the customer is being managed in the second account, the financial product management unit sells the third financial product for an amount equivalent to the purchase amount of the second financial product, and then newly purchases the third financial product as the second financial product and manages it in the first account. Financial product management device.

5. 5. The financial product management device according to claim 4, an interface for receiving instructions from the customer regarding whether or not to sell the third financial product and purchase the second financial product; when the financial product management department receives an instruction to sell the third financial product and purchase the second financial product, the financial product management department sells the third financial product and purchases the second financial product if the total amount does not reach the purchase limit amount; Financial product management device.

6. 3. The financial product management device according to claim 2, The purchase limit set forth in the terms of use is an upper limit of the total amount of each financial product managed in the first account calculated based on the unit price at the time of purchase, the total amount calculation unit calculates the total amount using a unit price at the time of purchase of each financial product managed in the first account; said financial product management unit, when there is a fourth financial product whose current unit price is lower than the unit price at the time of purchase among the financial products managed in said first account, sells said fourth financial product at the current unit price for an amount equivalent to the purchase price of said second financial product, and then newly purchases said fourth financial product at the current unit price as said second financial product and manages it in said first account; Financial product management device.

7. 7. The financial product management device according to claim 6, an interface for receiving instructions from the customer regarding whether or not to sell the fourth financial product and purchase the second financial product; when the financial product management unit receives an instruction to sell the fourth financial product and purchase the second financial product, the financial product management unit sells the fourth financial product and purchases the second financial product if the total amount does not reach the purchase limit amount; Financial product management device.

8. A method for controlling a financial product management device that manages financial products of a customer using a plurality of accounts including a first account that is eligible for a predetermined preferential treatment and a second account that is not eligible for the preferential treatment, comprising the steps of: The financial product management device, storing conditions of use of the first account that must be satisfied in order for the financial product to be managed through the first account; When purchasing a first financial product, verifying whether or not the first financial product can be managed in the first account by referring to the terms of use, and if the terms of use are met, managing the first financial product in the first account, and if the terms of use are not met, managing the first financial product in the second account. A method for controlling a financial product management device.

9. A program for causing a computer to manage a customer's financial products using a plurality of accounts including a first account that is eligible for a predetermined preferential treatment and a second account that is not eligible for the preferential treatment, The computer includes: storing conditions of use of the first account that must be satisfied in order for the financial product to be managed through the first account; When purchasing a first financial product, verifying whether or not the first financial product can be managed in the first account by referring to the terms of use, and if the terms of use are met, managing the first financial product in the first account, and if the terms of use are not met, managing the first financial product in the second account; A program to execute.

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