Program, information processing device, and information processing method

Abstract

To provide a program, an information processing device, and an information processing method that allow a user to arbitrarily adjust stocks and ratios thereof that the user wishes to hold, and reduce the burden on the user when placing orders for a plurality of stocks.SOLUTION: A program causes a computer to execute the steps of: accepting an operation by a user to designate a target portfolio including information pertaining to stocks and composition ratios thereof; accepting, from the user, one of instructions from rebalancing, deposit, or withdrawal; and calculating a target amount for each stock by multiplying the amount based on a current holding amount by the composition ratios of each stock in the target portfolio, and determining buying and selling quantities for each stock based on a difference between the calculated target amount and the amount of the holding portfolio.SELECTED DRAWING: Figure 9

Description

Technical Field

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

Background Art

[0002] Conventionally, applications for managing stocks and placing orders have been developed. For example, in Patent Documents 1 and 2, there is known a system in which the system side determines an ideal target portfolio (stock name and its composition ratio) based on the investment type, and rebalances the composition ratio so as to approach the target portfolio.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Patent Document 2

Patent Document 3

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the conventional technology, the user cannot select stocks and their composition ratios individually, it is difficult for the user to arbitrarily adjust the stocks and their composition ratios that the user wants to hold, and it is also difficult for the user to do so at the timing desired by the user. Further, Patent Document 3 discloses a function for adjusting for buying and selling on a pie chart for stocks held by the user. However, in Patent Document 3, since the target stock in the pie chart is operated to place a single buy / sell order, only one stock can be ordered at a time, and there is a problem that it takes time for the user when placing orders for a plurality of stocks.

[0005] The present invention has been made in view of the above problems, and an object thereof is to provide a program, an information processing apparatus, and an information processing method that enable a user to arbitrarily adjust a stock and its ratio that the user wishes to hold and reduce the labor of the user when placing orders for a plurality of stocks.

Means for Solving the Problems

[0006] A program according to a first aspect of the present invention causes a computer to execute procedures for receiving an operation in which a user designates a target portfolio including information on stocks and their composition ratios, receiving an instruction of one of rebalancing, deposit, and withdrawal from the user, calculating a target amount for each stock by multiplying the composition ratio of each stock in the target portfolio by an amount based on the current holding amount, and determining a trading amount or trading quantity for each stock based on the difference between the calculated target amount and the amount of the holding portfolio.

[0007] A program according to a second aspect of the present invention is the program according to the first aspect, wherein the amount based on the current holding amount is an amount corresponding to the current holding amount in the case of a rebalancing instruction, the amount based on the current holding amount is an amount corresponding to the amount obtained by adding the deposit amount to the current holding amount in the case of a deposit instruction, and the amount based on the current holding amount is an amount corresponding to the amount obtained by subtracting the withdrawal amount from the current holding amount in the case of a withdrawal instruction.

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

[0009] The program according to the fourth aspect of the present invention is a program according to any one of the first to third aspects, and includes a procedure for outputting information for presenting information on the current holding ratio, target ratio, and required ratio correction width of each stock on the rebalancing instruction screen, and a procedure for outputting information for presenting the trading amount or quantity and expected profit and loss of each stock on the rebalancing order screen. It is a program for further executing these procedures.

[0010] The program according to the fifth aspect of the present invention is a program according to any one of the first to fourth aspects, and when receiving an operation of a user who selects another user, it includes a procedure for requesting the portfolio of the other user to the computer system, a procedure for receiving information regarding the portfolio of the other user from the computer system in response to the requesting procedure, a procedure for outputting information for presenting the portfolio of the other user in a viewable manner using the received information regarding the portfolio of the other user, and a procedure for outputting information for presenting the stocks included in the portfolio of the other user and their composition ratios as the portfolio of the user in response to an operation of the user who copies the portfolio of the other user. It is a program for further executing these procedures.

[0011] The program according to the sixth aspect of the present invention is a program according to the fifth aspect, and after the procedure for outputting information for presenting as the portfolio of the user, it further includes a procedure for executing a process of adjusting the composition ratio and / or adding or deleting stocks in response to a user operation. It is a program for further executing this procedure.

[0012] The program according to the seventh aspect of the present invention is a program according to any one of the first to sixth aspects, and includes a procedure for outputting information for presenting a plurality of users investing in a specific stock in the order of the composition ratio within the target portfolio or in the order of the date closest to when the specific stock was added or the composition ratio of the specific stock was changed. It is a program for further executing this procedure.

[0013] The program according to the eighth aspect of the present invention is a program according to any one of the first to seventh aspects, and when displaying the change history of the portfolio of other users, it outputs information for presenting the change history in a set of any one of the stock logos and three classifications of addition, deletion, and editing. It is a program for further executing the procedure.

[0014] The program according to the ninth aspect of the present invention is a program according to any one of the first to eighth aspects, and in the procedure of determining the trading amount or trading quantity for each stock, when receiving an instruction of one of rebalancing, deposit, and withdrawal from the user for each stock, based on the price of the stock at the time of receiving the instruction, the trading amount or trading quantity of the stock is determined.

[0015] The information processing apparatus according to the tenth aspect of the present invention includes at least one processor, and the at least one processor receives an operation in which a user designates a target portfolio including information on stocks and their composition ratios, receives an instruction of one of rebalancing, deposit, and withdrawal from the user, calculates the target amount of each stock by multiplying the composition ratio of each stock in the target portfolio by the amount based on the current holding amount, and determines the trading amount or trading quantity for each stock based on the difference between the calculated target amount and the amount of the holding portfolio.

[0016] The information processing method according to the eleventh aspect of the present invention includes a procedure of receiving an operation in which a user designates a target portfolio including information on stocks and their composition ratios, a procedure of receiving an instruction of one of rebalancing, deposit, and withdrawal from the user, calculating the target amount of each stock by multiplying the composition ratio of each stock in the target portfolio by the amount based on the current holding amount, and determining the trading amount or trading quantity for each stock based on the difference between the calculated target amount and the amount of the holding portfolio.

Advantages of the Invention

[0017] According to one aspect of the present invention, since a user can specify a target portfolio including information on stocks and their composition ratios, the user can arbitrarily adjust the stocks and their ratios that the user wants to hold. Further, when the user gives an instruction for one of rebalancing, deposit, and withdrawal, the order details are determined for a plurality of stocks, so that the labor of the user when placing orders for a plurality of stocks can be reduced.

Brief Description of Drawings

[0018]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Figure 10

Figure 11

Figure 12

Figure 13

Figure 14

Best Mode for Carrying Out the Invention

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

[0020] In addition to the above problems, there is also a problem in the prior art that it is difficult for a user to adjust the stocks and their composition ratios that the user wants to hold at the timing desired by the user. In this embodiment, when each stock constituting the entire stocks held by the user himself / herself and the ratio of each stock in the entire stocks are specified by the user, the order content (that is, the sale or purchase of each stock and its quantity) is determined according to the specified stocks and ratios, and this problem is also solved by enabling an order with this order content.

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

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

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

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

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

[0026] The memory 14 temporarily holds data and programs. The memory 14 is a volatile memory, for example, a RAM (Random Access Memory). The display 15 displays information according to the instructions of the processor 16. The display 17 may be not only built into the terminal 1 but also externally connected.

[0027] The processor 16 loads the application from the memory device 13 into the memory 14 and displays various screens described later by executing a series of instructions included in the application. The detailed processing will be described later.

[0028] As an example, the terminal 1 is described as having one processor 16, but it may have two or more, as long as it has at least one processor.

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

[0030] The storage device 23 stores a program for the processor 26 to read and execute, and various types of data. In addition, the storage device 23 stores a user ID, which is information for identifying a user, and the target portfolio of the user, in an associated manner. The memory 24 temporarily holds data and programs. The memory 24 is a volatile memory, for example, RAM (Random Access Memory). The output interface 25 can be connected to an external device and output a signal to the external device.

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

[0032] Figure 4 is an example of a table stored in the storage device 23 of the computer system 2. As shown in Figure 4, in the table T1, records of user IDs, which are information for identifying users, and pairs with the target portfolios of the users are stored. Here, the target portfolio includes information on the stocks selected by the user and their composition ratios. In the example of Figure 4, the target portfolio with the user ID "00001abc" has 50% of the stock with the security code AAAA, 20% of the stock with the security code BBBB, 10% of the stock with the security code CCCC, 10% of the stock with the security code DDDD, and 10% of the stock with the security code EEEE. Thus, the target portfolios of other users can be referred to from the terminal 1.

[0033] <Usage flow by user (first time)> The usage flow by a first-time user is as follows. Hereinafter, the processing of the processor 16 of the terminal 1 will be described, and the processor 16 will be omitted. (Step S1) The terminal 1 accepts the selection of the stocks that the user wants to invest in. (Step S2) The terminal 1 makes an initial display with the composition ratios obtained by equally dividing the selected multiple stocks. (Step S3) The terminal 1 accepts the adjustment of the ratios of each stock at the composition ratios desired by the user himself / herself. (Step S4) After the user determines the portfolio, the terminal 1 becomes capable of accepting order instructions. (Step S5) After confirming the deposit, for example, the terminal 1 restrains the commission restraint amount from the deposit amount for commission collection, and sends an instruction for a purchase order of each stock at the amount obtained by multiplying the amount obtained by subtracting the commission restraint amount from the deposit amount by the ratio of each stock to the computer system 2.

[0034] As a result, a screen showing the user's portfolio is displayed as shown in Figure 5. Figure 5 is an example of a screen showing the user's portfolio. As shown in Figure 5, on the screen G1 of the terminal 1, the stocks of the portfolio currently held by the user and their composition ratios are shown in a pie chart. Also, the operating profit and loss of each stock in the portfolio are shown on the screen G1.

[0035] <Usage flow by user (other than the first time)> As an arbitrary process, terminal 1 accepts from the user operations for addition, deletion, and ratio adjustment for a plurality of stocks that the user already owns, and after the user selects a stock, accepts from the user an operation to adjust the holding ratio of each stock within 100%. As an example, on the adjustment content confirmation screen, terminal 1 displays only the fluctuating ratio and does not display the amount. As shown in FIG. 6, when the total ratio does not reach 100%, terminal 1 displays by how many percent it must be decreased or increased in order to reach 100%.

[0036] FIG. 6 is an example of a screen during target portfolio adjustment. Screen G21 in FIG. 6 is an example of a screen when the total ratio is less than 100%. In the center of the pie chart on screen G21, it is displayed as "Please add 36% to make it 100%" together with the total ratio of the target portfolio. On the other hand, screen G21 in FIG. 6 is an example of a screen when the total ratio exceeds 100%. In the center of the pie chart on screen G22, it is displayed as "Please delete 37% to make it 100%" together with the total ratio of the target portfolio.

[0037] Also, screen G23 in FIG. 6 is an example of a screen when it is scrolled down in the case where the total ratio is less than 100%. Above screen G23, it is displayed as "Please add 40% to make it 100%" together with the total ratio of the target portfolio in a banner. On the other hand, screen G24 in FIG. 6 is an example of a screen when it is scrolled down in the case where the total ratio exceeds 100%. Above screen G24, it is displayed as "Please delete 37% to make it 100%" together with the total ratio of the target portfolio in a banner.

[0038] <Calculation principle of order amount at rebalancing, deposit, and withdrawal> FIG. 7 is a schematic diagram showing an image of calculating the order amount at the time of balance, deposit, and withdrawal. As shown in FIG. 7, when the user instructs a balance, the processor 16 of the terminal 1, for example, restrains the fee restraint amount from the current holding amount for fee collection, and multiplies the amount obtained by subtracting the fee restraint amount from the current holding amount by the ratio of each stock in the target portfolio to calculate the target amount (also referred to as the target amount) of each stock, and determines the trading amount or trading quantity based on the difference between the target amount calculated for each stock and the amount of the holding portfolio. Here, the difference may be the trading amount, or the amount obtained by increasing or decreasing the buffer amount from the difference so that the user's money is not insufficient may be used as the trading amount. Also, the quantity corresponding to the difference may be used as the trading quantity, or the quantity corresponding to the amount obtained by increasing or decreasing the buffer amount from the difference so that the user's money is not insufficient may be used as the trading quantity.

[0039] As shown in FIG. 7, when the user deposits money into the securities account, the processor 16 of the terminal 1, for example, restrains the fee restraint amount from the amount obtained by adding the deposit amount to the current holding amount for fee collection, and multiplies the amount obtained by subtracting the fee restraint amount from the added amount by the ratio of each stock in the target portfolio to calculate the target amount of each stock, and determines the trading amount or trading quantity based on the difference between the target amount calculated for each stock and the amount of the holding portfolio.

[0040] Also, as shown in FIG. 7, when the user instructs a partial or full withdrawal from the securities account, the processor 16 of the terminal 1, for example, restrains the fee restraint amount from the amount obtained by subtracting the withdrawal amount from the current holding amount for fee collection, and multiplies the amount obtained by subtracting the fee restraint amount from the subtracted amount by the ratio of each stock in the target portfolio to calculate the target amount of each stock, and determines the trading amount or trading quantity based on the difference between the target amount calculated for each stock and the amount of the holding portfolio.

[0041] Next, the balance instruction and order will be described with reference to FIG. 8. FIG. 8 is an example of a screen related to the balance process. When the "Complete" button is pressed on the adjustment screens G21 to G24 in FIG. 6, the process transitions to the editing content confirmation screen G31 in FIG. 8. When the "Balance" button is pressed on the editing content confirmation screen G31, the process transitions to the balance instruction screen G32. On the balance instruction screen G32, based on the difference between the target portfolio and the current portfolio, information such as the "current holding ratio", "target ratio", and "required ratio correction width" of each stock is displayed. In this way, the processor 16 of the terminal 1 outputs information for presenting the current holding ratio, target ratio, and required ratio correction width information of each stock on the balance instruction screen. Here, the presentation includes not only display but also cases where it is notified by voice. When the "To Order Screen" button is pressed on the balance instruction screen G32, the process transitions to the balance order screen G33. On the balance order screen G33, for each stock, "either buy, sell, or sell all", "total transaction amount (also referred to as the trading amount)", and "expected profit and loss" are displayed. In this way, the processor 16 of the terminal 1 outputs information for presenting the trading amount or quantity and expected profit and loss of each stock on the balance order screen on the balance instruction screen. Here, for example, the descriptions of buy, sell, and sell all are visually emphasized. For example, it is black in normal times, and the emphasized display is in a different color, large font, bold, etc. When the "Place Order" button is pressed on the balance order screen G33, the process transitions to the home screen G34. On this home screen G34, a pop-up displays that the order has been received.

[0042] FIG. 9 is a flowchart showing an example of the processing flow of the terminal. Hereinafter, the processing of the processor 16 of the terminal 1 will be described, and the processor 16 will be omitted. Steps S110 to S160 show the flow of creating a target portfolio. Note that the adjustment of stocks and ratios shown in steps S110 to S160 is not essential, and there may be cases where transactions are made without changing both due to stock price fluctuations.

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

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

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

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

[0047] (Step S150) If the total of the composition ratios is 100% in Step S130, the terminal 1 determines whether the edited content has been confirmed by the user. Specifically, for example, on the screens G21 to G24 as shown in FIG. 6, it is determined whether the "Complete" button has been pressed.

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

[0049] <Rebalancing process> Steps S210 to S260 are the processes during rebalancing. (Step S210) The terminal 1 determines, for example, whether the "Rebalancing" button has been pressed on the editing content confirmation screen G31 as shown in FIG. 8.

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

[0051] (Step S230) The terminal 1 determines whether the "To Order Screen" button has been pressed on the rebalance instruction screen G32 in FIG. 8, for example.

[0052] (Step S240) When the "To Order Screen" button is pressed in step S230, the terminal 1 calculates the trading quantity and / or trading amount for each stock as described in FIG. 7, for example, and displays the rebalance order screen G33.

[0053] (Step S250) The terminal 1 determines whether the "Place Order" button has been pressed on the rebalance order screen G33.

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

[0055] <Processing at the time of deposit> Steps S310 to S330 are the processing at the time of deposit. (Step S310) The terminal 1 (or the computer system 2) determines whether a deposit has been made into the securities account.

[0056] (Step S320) When it is determined that a deposit has been made into the securities account, the terminal 1 determines the trading quantity and / or trading amount of each stock as described in FIG. 7.

[0057] (Step S330) Subsequently, the terminal 1 performs order processing with the trading quantity and / or trading amount determined for each stock, and notifies that the order processing has been performed. Here, the order processing is, for example, to transmit information on the purchase quantity and / or purchase amount of each stock to the computer system 2. As a result, the computer system 2 that has received this information processes the order at a predetermined timing, for example.

[0058] <Processing at the time of withdrawal> Steps S410 to S430 are the processing at the time of withdrawal.

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

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

[0061] (Step S425) The terminal 1 determines whether the "Place Order" button has been pressed on this withdrawal screen.

[0062] (Step S430) If the "Place Order" button is pressed in Step S425 (that is, when the terminal 1 has received a withdrawal instruction), the terminal 1 performs order processing with the trading quantity and / or trading amount determined for each stock, and notifies that the order processing has been performed. Here, the order processing is, for example, to transmit information on the trading quantity and / or trading amount of each stock to the computer system 2. As a result, the computer system 2 that has received this information processes the order at a predetermined timing, for example.

[0063] In this way, the processor 16 of the terminal 1 accepts an operation in which the user designates a target portfolio including information on stocks and their composition ratios. Further, the processor 16 of the terminal 1 accepts an instruction of one of rebalancing, deposit, and withdrawal from the user. Then, the processor 16 of the terminal 1 calculates the target amount of each stock by multiplying the ratio of each stock in the target portfolio by the amount based on the current holding amount, and determines the trading amount and / or trading quantity of buying and selling for each stock based on the difference between the calculated target amount and the amount of the held portfolio. Here, the amount based on the current holding amount is, in the case of a rebalancing instruction, the amount corresponding to the current holding amount (specifically, for example, the amount obtained by subtracting the commission constraint amount from the current holding amount), in the case of a deposit instruction, the amount corresponding to the amount obtained by adding the deposit amount to the current holding amount (specifically, for example, the amount obtained by adding the deposit amount to the current holding amount and subtracting the commission constraint amount), and in the case of a withdrawal instruction, the amount corresponding to the amount obtained by subtracting the withdrawal amount from the current holding amount (specifically, for example, the amount obtained by subtracting the withdrawal amount from the current holding amount and subtracting the commission constraint amount). Also, in this embodiment, the timing of this determination has been described as an example when one of the instructions of rebalancing, deposit, and withdrawal is received from the user, but it may be a predetermined timing (for example, the time when the market where the stock is traded closes, a predetermined time while the market is closed, a predetermined time while the market is open, etc.).

[0064] With this configuration, since the user can specify a target portfolio including information on stocks and their composition ratios, the user can arbitrarily adjust the stocks and their ratios that the user wants to hold. Further, when the user gives one of the instructions of rebalancing, deposit, and withdrawal, the order details are determined for a plurality of stocks, so the labor of the user when placing orders for a plurality of stocks can be reduced. In addition, when determining the trading amount or trading quantity for each stock, the trading amount or trading quantity of the stock may be determined based on the price of the stock at the time when one of the instructions of rebalancing, deposit, and withdrawal is received from the user.

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

[0066] When, for example, a user's icon is selected on the user list screen, the screen transitions to the account screen of the selected user as shown in FIG. 11. FIG. 11 is an example of an account screen of another user. In the account screen G42 of FIG. 11, within the pie chart, the rate of increase or decrease in profit, the investment performance (e.g., the rate of return), and the number of people being referred to are displayed for a predetermined period (e.g., weekly). When the "Compare Portfolios" button is pressed on the account screen G42 of FIG. 11, the screen transitions to the portfolio comparison screen G51 of FIG. 12.

[0067] FIG. 12 is an example of a portfolio comparison screen. In the portfolio comparison screen G51 of FIG. 12, the portfolio of another user is displayed, for example, on the right side. When "View Details about Copying" is selected on the portfolio comparison screen G51, a copy explanation screen is popped up and displayed as shown in the portfolio comparison screen G52. Also, when the "Copy" button is pressed on the portfolio comparison screen G51, as shown in the portfolio comparison screen G53, the user's own portfolio is created and displayed with the same stocks and the same composition ratio as the portfolio of the other user. Even after the user's own portfolio is created, the user can adjust the composition ratio by themselves and / or add or delete stocks.

[0068] To realize the portfolio comparison screens G51 and G53 in FIG. 12, the following processing is executed. When the processor 16 of terminal 1 receives an operation of a user who selects another user, the processor 16 of terminal 1 requests the portfolio of the other user from computer system 2. Then, the processor 16 of terminal 1 receives information regarding the portfolio of the other user from computer system 2 according to the requested procedure. Then, the processor 16 of terminal 1 outputs information for presenting the portfolio of the other user in a viewable manner using the received information regarding the portfolio of the other user. Thereby, the portfolio comparison screen G51 is displayed.

[0069] Next, when the processor 16 of terminal 1 receives an operation of a user who copies the portfolio of the other user, the processor 16 of terminal 1 outputs information for presenting the stocks and their composition ratios included in the portfolio of the other user as the portfolio of the user. Thereby, the portfolio comparison screen G53 is displayed.

[0070] Next, after the processor 16 of terminal 1 outputs information for presenting as the portfolio of the user, according to a user operation, the processor 16 executes a process of adjusting the composition ratio and / or adding or deleting stocks. Thereby, the user can create a portfolio that the user likes.

[0071] FIG. 13 is an example of a change history summary screen of the portfolio of another user. When checking the portfolio of another user, in the change history summary screen G61, only the logo is displayed as an example of information indicating each stock, and the change history is expressed in a combination of any of the three classifications of logo, addition, deletion, and editing. To realize this change history summary screen G61, when displaying the change history of the portfolio of another user, the processor 16 of terminal 1 outputs information for presenting the change history in a combination of any of the three classifications of logo, addition, deletion, and editing of the stock. Thereby, the readability of the change history can be improved.

[0072] When the arrow A61 associated with the change details of a specific date in the change history summary screen G61 of FIG. 13 is selected, the screen transitions to the change history details screen G62. The details of the changes on the specific date are displayed on the change history details screen G62. Specifically, for example, the stocks deleted on the change history details screen G62 are displayed, and the edited ratio of the stock is displayed together with the added and edited stocks.

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

[0074] In this way, when the processor 16 of the terminal 1 performs an operation to delete a target stock (e.g., tapping the delete button that appears after swiping the target stock), if it is a stock already held, it may be displayed as "To be sold", and if not held, it may be deleted from the screen.

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

[0076] In the management screen for managing the portfolio, when the holding ratio of the stocks held is set to 0% by the user's operation, the processor 16 of the terminal 1 may display it as 0% regardless of whether there is a holding or not. After the user finishes editing, the processor 16 of the terminal 1 may display it as a planned sale if it is a stock being held.

[0077] In the management screen for managing the portfolio, the stocks held may be displayed in the order of amount. This is because when displayed in the order of holding ratio, the stocks with planned sales for which order processing has not been executed may come to the top, which may not be appropriate for knowing the latest situation. After the user newly adds a stock and sets an arbitrary holding ratio and before an order has been placed yet (that is, there is a holding ratio but in a situation where it is not actually held), the processor 16 of the terminal 1 may display "In operation" on the holding ratio confirmation screen for the user.

[0078] As described above, the application installed on the terminal 1 according to the present embodiment is a program for causing a terminal 1, which is an example of a computer, to execute a procedure for receiving an operation by which a user designates a target portfolio including information on stocks and their composition ratios, a procedure for receiving an instruction of one of rebalancing, deposit, and withdrawal from the user, a procedure for calculating the target amount of each stock by multiplying the composition ratio of each stock in the target portfolio by the amount based on the current holding amount, and a procedure for determining the trading amount or trading quantity of buying and selling for each stock based on the difference between the calculated target amount and the amount of the holding portfolio.

[0079] With this configuration, since the user can specify a target portfolio including information on stocks and their composition ratios, the user can arbitrarily adjust the stocks and their ratios that the user wants to hold. Further, when the user gives an instruction of one of rebalancing, deposit, and withdrawal, the order details are determined for a plurality of stocks, so the labor of the user when placing orders for a plurality of stocks can be reduced.

[0080] Note that at least some of the functions of the terminal 1 described in the above embodiments may be configured by hardware or by software. When configured by software, a program for realizing at least some of the functions of the terminal 1 may be stored in a computer-readable recording medium, read by a computer, and executed. The recording medium is not limited to removable ones such as magnetic disks and optical disks, and may also be a fixed-type recording medium such as a hard disk device or a memory.

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

[0082] Also, at least some of the functions of the terminal 1 may be realized by the computer system 2. Further, the computer system 2 may be made to function by one or more information devices. When using a plurality of information devices, one of them may be used as a computer, and by executing a predetermined program by the computer, functions may be realized as at least one means of the computer system 2.

[0083] Also, in the invention of a method, all steps may be automatically controlled by a computer. Also, while each step is being carried out by a computer, the progress control between steps may be carried out manually by a person. Further, at least some of all the steps may be carried out manually by a person.

[0084] As described above, the present invention is not limited to the above-described embodiments as they are, and at the implementation stage, the components can be modified and embodied without departing from the gist thereof. Also, various inventions can be formed by appropriately combining a plurality of components disclosed in the above-described embodiments. For example, some components may be deleted from all the components shown in the embodiments. Furthermore, components from different embodiments may be appropriately combined.

Explanation of Reference Numerals

[0085] 1 Terminal 11 Input Interface 12 Communication Module 13 Storage 14 Memory 15 Display 16 Processor 2 Computer System 21 Input Interface 22 Communication Module 23 Storage 24 Memory 25 Output Interface 26 Processor

Claims

1. On the computer, A step of receiving an input from a user specifying an arbitrary stock from a plurality of stocks and a composition ratio of the stock in order to create a target portfolio; A step of storing the input information on the stocks and the composition ratios of the stocks as a target portfolio of the user; A step of determining a trading amount or amount for each stock based on the stored target portfolio information; A program for executing the above.

2. The input of specifying an arbitrary stock from the plurality of stocks and a composition ratio of the stock includes copying a portfolio of another user. The program according to claim 1.

3. The procedure of receiving an input from a user specifying an arbitrary stock from a plurality of stocks and a composition ratio of the stock in order to create the target portfolio can be executed either before or after the procedure of outputting information for presenting the portfolios of other users so as to be viewable, or both.

3. The program according to claim 1 or 2.

4. a step of storing the portfolio of a specific user selected from a list of multiple other users as a target portfolio of the user when an operation to copy the portfolio of the specific user is received from the user in a case where the portfolio of the specific user is displayed; 3. The program according to claim 1 or 2, further comprising:

5. a step of storing the portfolio of a specific user selected by the user as a target portfolio of the user when an operation to copy the portfolio of the specific user is received from the user in a state where the portfolio of the specific user selected by the user and the user's own portfolio are displayed in a comparative manner; 3. The program according to claim 1 or 2, further comprising:

6. displaying information on a plurality of other users in order of the composition ratio of specific stocks in each of the other users' portfolios; 3. The program according to claim 1 or 2, further comprising:

7. A step of displaying at least one of the other user's profit increase / decrease rate for a predetermined period, investment performance, and the number of users used as reference when displaying the account screen of the other user; 3. The program according to claim 1 or 2, further comprising:

8. To view the changes made to another user's portfolio, 3. The program according to claim 1 or 2, further comprising:

9. At least one processor; The at least one processor receives an input from a user specifying any stock from a plurality of stocks and a composition ratio of the stocks in order to create a target portfolio; A step of storing the input information on the stocks and the composition ratios of the stocks as a target portfolio of the user; A step of determining a trading amount or amount for each stock based on the stored target portfolio information; An information processing device that executes the above.

10. A step in which the receiving means receives from a user an input specifying any stock from a plurality of stocks and a composition ratio of the stock in order to create a target portfolio; A step of storing the input information on the stocks and the composition ratios of the stocks as a target portfolio of the user by a storage means; A procedure in which a determination means determines a trading volume or amount for each issue based on the stored target portfolio information; An information processing method comprising the steps of:

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