Server and computer program

Abstract

To provide a technique for efficiently and effectively realizing an exchange hedge.SOLUTION: A server, which provides information on an exchange amount between first currency and second currency to a user terminal, acquires a prediction of a future transition of an exchange rate for each AI model, calculates a first ratio of the number of first AI models predicting a change in a first direction from a current exchange rate and a second ratio of the number of second AI models predicting a change in a second direction on the basis of the individually predicted future transition of a predetermined exchange rate, receives a designation of a first amount in units of the second currency from the user terminal, executes money exchange hedge processing including calculating an exchange amount to be exchanged in the first amount, and transmits information on the exchange amount to the user terminal.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a server and a computer program. [Background technology]

[0002] Generally, when a transaction involves foreign exchange (for example, when Japanese yen is converted (exchanged) into dollars to make a payment, or when dollars are converted (exchanged) into Japanese yen to receive a payment), if there is a change in the exchange rate from the time the goods are ordered to the time payment is actually made, or from the time of receipt to the time of settlement if foreign currency is held (because the foreign currency balance is valued in yen at the time of settlement), the payment amount or the value of the foreign currency balance may differ from the expected amount.

[0003] To prevent such a situation, it is necessary to hedge against foreign exchange, and for example, a system called forward exchange contracts can be used (see Patent Document 1). By using forward exchange contracts, even if a certain period of time has passed between the time of order and the time of transaction, the amount is converted into cash at the exchange rate at the time of order, so there is no impact from fluctuations in exchange rates during that certain period. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 2019-220108 Summary of the Invention [Problem to be solved by the invention]

[0005] However, since there may be cases where forward exchange contracts are not available, it is not desirable to limit the means of currency hedging to forward exchange contracts.

[0006] Therefore, an object of the present invention is to provide a technique that enables currency hedging to be implemented efficiently and effectively. [Means for solving the problem]

[0007] The present invention, which corresponds to one aspect of solving the above problem, A server that provides information on an exchange amount between a first currency and a second currency to a user terminal, one or more processors; Memory and a program stored in the memory, the program, when executed by the one or more processors, causing the server to: A currency exchange hedging process, Obtaining a forecast for each of the AI ​​models of a future change in a predetermined exchange rate based on the first currency and the second currency using a plurality of AI models; Calculating, based on the individually predicted future trends of the predetermined exchange rates, a first ratio of the number of first AI models that predicted a change from the current exchange rate in a first direction, and a second ratio of the number of second AI models that predicted a change from the current exchange rate in a second direction opposite to the first direction, relative to the total number of the plurality of AI models; accepting a designation of a first amount in units of the second currency from the user terminal; calculating an exchange amount of the first amount to be exchanged based on the first rate or the second rate; Executing the currency exchange hedging process, including: and transmitting information on the exchange amount obtained by the exchange hedging process to the user terminal. [Effects of the Invention]

[0008] According to the present invention, it is possible to provide a technique for enabling currency hedging to be implemented efficiently and effectively. [Brief explanation of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram showing an example of the configuration of a system 10 according to an embodiment. [Figure 2]FIG. 1 is a diagram showing an example of a hardware configuration of an information processing apparatus according to an embodiment. [Figure 3A] , [Figure 3B] 4 is a timing chart corresponding to an example of processing executed in the system 10 according to the embodiment. [Figure 4A] FIG. 4 is a diagram showing an example of a main screen according to the embodiment. [Figure 4B] 10A and 10B are diagrams showing an example of a display of a flow-oriented hedge guide according to the embodiment. [Figure 4C] FIG. 10 is a diagram showing an example of a display of a foreign currency payment plan according to an embodiment. [Figure 4D] FIG. 10 is a diagram showing an example of a display of a flow-oriented hedge guide result according to the embodiment. [Figure 4E] 10A and 10B are diagrams showing an example of a display of a hedge guide for stock according to the embodiment. [Figure 4F] FIG. 10 is a diagram showing an example of a display of a stock exchange plan according to the embodiment. [Figure 4G] FIG. 10 is a diagram showing an example of a display of a stock exchange guide result according to the embodiment. [Figure 5A] FIG. 10 is a diagram showing an example of a foreign currency payment management screen according to the embodiment. [Figure 5B] FIG. 10 is a diagram showing an example of a foreign currency payment input screen according to the embodiment. [Figure 5C] FIG. 10 is a diagram showing an example of a display of foreign currency payment details according to an embodiment. [Figure 5D] FIG. 10 is a diagram showing another example of a display of foreign currency payment details according to an embodiment. [Figure 5E] FIG. 10 is a diagram showing another example of a display of foreign currency payment details according to an embodiment. [Figure 5F] FIG. 10 is a diagram showing another example of a display of foreign currency payment details according to an embodiment. [Figure 6A] FIG. 10 is a diagram showing an example of a currency hedge transaction management screen according to the embodiment. [Figure 6B] FIG. 10 is a diagram showing an example of a currency hedge transaction input screen according to the embodiment. [Figure 7] FIG. 10 is a diagram showing an example of a foreign currency deposit management screen according to an embodiment. [Figure 8A] FIG. 10 is a diagram showing an example of an average rate comparison display in the currency hedging effect according to the embodiment. [Figure 8B] FIG. 10 is a diagram showing another example of an average rate comparison display in the currency hedging effect according to the embodiment. [Figure 8C] FIG. 10 is a diagram showing another example of an average rate comparison display in the currency hedging effect according to the embodiment. [Figure 8D] FIG. 10 is a diagram showing another example of an average rate comparison display in the currency hedging effect according to the embodiment. [Figure 8E] FIG. 10 is a diagram showing another example of an average rate comparison display in the currency hedging effect according to the embodiment. [Figure 9] FIG. 10 is a diagram for explaining a method for calculating an average rate in the exchange rate hedge effect according to the embodiment. [Figure 10] FIG. 10 is a diagram showing an example of a payment amount comparison display in the currency hedging effect according to the embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0010] Hereinafter, the embodiments will be described in detail with reference to the accompanying drawings. Note that the following embodiments do not limit the scope of the invention as claimed, and not all combinations of features described in the embodiments are necessarily essential to the invention. Two or more of the features described in the embodiments may be arbitrarily combined. Furthermore, the same reference numerals are used for the same or similar components, and redundant explanations will be omitted.

[0011] <System configuration> FIG. 1 shows a general configuration of a system 10 corresponding to an embodiment. Here, a server 101, which is an information processing device that provides a currency hedging service corresponding to the embodiment, a user terminal 102, which is an information processing device used by a user receiving the currency hedging service, and a financial instruments business operator's financial instruments trader system 103, which makes currency reservations in response to instructions from the user terminal 102, are connected via a network 104 such as the Internet. The user terminal 102 may be configured as a general-purpose personal computer, a smartphone, or the like. Although FIG. 1 shows only one user terminal 102, this is merely for illustrative purposes; multiple user terminals 102 may be connected to the network 104, and multiple different users may receive currency hedging services from the server 101 via the user terminals 102.

[0012] In this embodiment, the user of the user terminal 102 may be, for example, a trading company that imports goods from abroad for sale in Japan or exports goods from Japan for sale abroad. In such foreign trade, a certain period of time may be required from placing an order for the desired goods to actually purchasing them and completing payment, or from receiving an order for the desired goods to manufacturing and exporting them and completing receipt of payment for the goods. This period may take, for example, three to nine months. Naturally, exchange rates fluctuate during this period, so the actual amount paid may be higher than the expected payment amount at the time of placing the order, or the actual amount received may be lower than the expected amount received at the time of receiving the order. Specifically, for an exporting company (selling dollars), if the yen strengthens, the amount received will decrease, but if the yen weakens, the amount received will increase. Furthermore, for an importing company (buying dollars), if the yen weakens, the amount paid will decrease, but if the yen strengthens, the amount paid will increase. Because the risk of such exchange rate fluctuations places an economic burden on users, exporting companies (selling dollars) are required to hedge against the risk of a stronger yen, and importing companies (buying dollars) are required to hedge against the risk of a weaker yen, thereby reducing the risk as much as possible.

[0013] Furthermore, if an exporter has excess yen funds and no need to convert foreign currency into yen, or if they are holding foreign currency for future overseas investments, the foreign currency balance will be valued in yen at the end of the fiscal year or quarter. Therefore, if the yen appreciates between the time the foreign currency is received and the time of the fiscal year, the value in yen will decrease, which can have a significant impact on financial statements, especially when the foreign currency balance is large. Specifically, it is conceivable that even if the company is making a profit from its core business, it may end up with a deficit due to a foreign currency valuation loss. Therefore, there is a demand for converting a certain amount of foreign currency into yen at an advantageous time. The same is true when sales in foreign currency are significant and the company holds more foreign currency than it plans to use in the future.

[0014] In this embodiment, the server 101 provides information for effective currency hedging, thereby reducing the economic burden on the user.

[0015] <Hardware configuration> Next, the hardware configuration of the server 101 will be described with reference to Fig. 2. The server 101 can be configured as an information processing device, for example, from one or more personal computers. In Fig. 2, a CPU 201 as a processor controls the server 101 using programs and data stored in a RAM (random access memory) 202 and a ROM (read only memory) 205 as memories, and executes processes corresponding to the embodiments described below. The RAM 202 has an area for reading processing programs stored in an internal storage device 207 and information stored in an external storage device 208, and also has a work area used by the CPU 201 when executing various processes. The server 101 may use a cloud service.

[0016] The input unit 203 is an input means for receiving input from the administrator of the server 101, and is composed of a keyboard, a mouse, etc. The communication I / F (interface) 204 functions as an I / F for connecting to the network 106, etc. The ROM 205 stores programs (such as a boot program) that control the entire server 101, etc. The display unit 206 is a display unit that serves as a display screen, and is composed of a liquid crystal display device, etc.

[0017] The internal storage device 207 is mainly composed of a hard disk, and stores programs and various application data for the server 101 to execute processes. The data stored here is read out to the RAM 202 as needed. The external storage device 208 is a database, and stores user information, exchange rate information, etc. as needed. The bus 209 provides interconnection between the above-mentioned blocks.

[0018] FIG. 2 has been described as the hardware configuration of the server 101, but the basic hardware configuration of the user terminal 102 can also be the same as that shown in FIG.

[0019] <Processing flow in System 10> Next, a description will be given of the processing executed in the system 10. Figures 3A and 3B are timing charts showing an outline of the flow of processing executed in the system 10 corresponding to this embodiment. The processing is realized by the CPUs of the server 110 and the user terminal 102 executing corresponding processing programs, respectively, or by the CPU controlling the operations of functional blocks such as the input unit 203, communication I / F 204, and display unit 206 shown in Figure 2.

[0020] First, in S301 of FIG. 3A, the user terminal 102 displays a login screen and accepts input of login information. In S302, the accepted login information is transmitted from the user terminal to the server 101. In S303, the server 101 authenticates the user and, if the authentication is successful, acquires user information registered for the user. Subsequently, in S304, the server 101 transmits main screen information to the user terminal 102. In S305, the user terminal 102 displays the main screen on the display and accepts input from the user. In S307, the accepted input information is transmitted from the user terminal to the server 101. In S308, the server 101 performs processing based on the contents of the received input information and generates screen information. The generated screen information is transmitted from the server 101 to the user terminal 102 in S309.

[0021] The user terminal 102 displays the received screen information on the display in S310 and accepts input from the user in S311. The accepted input information is transmitted from the user terminal 102 to the server 101 in S312. The server 101 executes processing in the same manner as in S308 in accordance with the transmitted input information, generates screen information, and transmits it back to the user terminal 102.

[0022] <Main screen> The processes from S305 to S312 can be repeated between the user terminal 102 and the server 101. The flow of the processes will be explained with reference to the screens in FIG. 4 and subsequent figures. FIG. 4A is a diagram showing an example of a main screen corresponding to this embodiment. In S305, this screen is displayed on the user terminal 102.

[0023] Various pieces of information are displayed on screen 400. First, a menu display area 401 is displayed. This menu display area 401 displays information items that can be displayed on screen 400, and the user can select the information item to display from menu display area 401. FIG. 4A shows a state in which the dashboard has been selected. Other information items that can be displayed may include a hedge guide, foreign currency management, exchange rate hedge effects, account management, logout, etc.

[0024] Screen 400, as a main screen showing a dashboard, displays information 402 for the following items at the top: hedge ratio, lower limit alert, and upper limit alert. The hedge ratio indicates the ratio (application rate) at which the amount of foreign currency hedging is calculated by applying the service provided by server 101 (referred to as the "hedge service"), and is set to 100% in FIG. 4A. This means that, for example, if a foreign currency payment of $10,000 is planned, 100% of the $10,000, or the entire $10,000, is subject to the hedge service provided by server 101. If the hedge ratio is set to 50%, then $5,000, or 50% of the $10,000, is subject to the hedge service. In this embodiment, an alert is set to be sent to the user when the prevailing exchange rate touches the upper or lower limit, and the lower limit alert and upper limit alert are set to respective amounts. In FIG. 4A, the lower limit is 130 yen and the upper limit is 160 yen.

[0025] 4A, the upward direction is the direction in which the value of the Japanese yen increases (or the positive direction), and the downward direction is the direction in which the value of the Japanese yen decreases (the negative direction). Generally, the value of the Japanese yen against the US dollar decreases as the value of the Japanese yen increases, but increases as the value of the Japanese yen decreases. However, the concepts of upward (positive) and downward (negative) directions in this embodiment are taken to simply refer to the increase or decrease in value, separate from the value of the Japanese yen against the US dollar.

[0026] In addition, this embodiment will mainly describe payment and receipt transactions at the Japanese yen / US dollar exchange rate, in which Japanese yen is converted into US dollars and then paid, or US dollars are paid from a US dollar foreign currency account. However, transactions to which this embodiment can be applied are not limited to US dollar payments, and also include cases in which US dollars are received and converted into Japanese yen. In such cases, the relationship between dollars and yen in the following description of this embodiment can be reversed. In addition to US dollars, foreign currencies such as Swiss francs, Australian dollars, Singapore dollars, Indian rupees, Indonesian ringgits, Thai baht, Philippine pesos, and South Korean won can also be used.

[0027] The trend forecast graph 403 shows the trend (transition) of the exchange rate (dollar / yen) for approximately one year before and after the date the screen is displayed (today). For the past year on the left side of today, the actual exchange rate movement is shown as a single broken line. Meanwhile, on the right side, the exchange rate trends predicted by artificial intelligence (AI) are shown as multiple broken lines or curves. In this embodiment, N (N is, for example, 100, 200, 300, etc.) AIs predict exchange rate trends for a predetermined number of years into the future (e.g., one year, two years, five years, etc.). All predictions are sorted from those predicting a decline in the value of the Japanese yen (yen appreciation) to those predicting an increase in the value (yen depreciation). The first and last predictions, as well as predictions in 10% increments from the top 10% to the top 90%, are displayed in the trend forecast graph 403 as exchange rate predictions that represent the rest. For example, if there are 100 AIs, the predictions ranked 1st, 10th, 20th, 90th, and 100th from the top can be selected as representatives.

[0028] In FIG. 4A, the 50th value is indicated by a dashed line. If the 50th value is lower than today's actual market rate (147.97 yen), this indicates that a high percentage of people predict that the future trend will be toward a stronger yen. On the other hand, if the 50th value is higher than today's actual market rate (147.97 yen), i.e., the yen is depreciating, this indicates that a high percentage of people predict that the future trend will be toward a weaker yen. The trend forecast graph 403 can be displayed with the cursor placed on it to display the forecast value for any position (year, month, day). In addition, the lower limit alert and upper limit alert are indicated by thick dotted lines.

[0029] Display 404 shows the current rate at the current time, and this value becomes the value for today in trend prediction graph 403. Screen 400 also includes AI predicted distribution 405 and AI voting percentage 406.

[0030] The AI ​​forecast distribution 405 displays the upper and lower limits of each forecast rate at any point in time, for example, predicted by 100 AIs. Here, the arbitrary points in time are shown as 1 month, 3 months, 6 months, 9 months, and 12 months later, but are not limited to these. The upper and lower limits are the upper and lower limits of the forecast rates by the remaining 80% of the AIs that made the predictions, excluding the top 10% and bottom 10% of the AIs that made the predictions. The display of the AI ​​forecast distribution 405 allows one to read the overall trend of the forecasted exchange rate trends. The AI ​​forecast distribution 405 may also display the average value of the forecast rate at any point in time.

[0031] Next, the AI voting ratio 406 indicates, for each prediction rate at any given time predicted by, for example, 100 AIs, whether the prediction is in the direction of yen depreciation or yen appreciation, and shows the ratio. For example, for a one-month later prediction, it can be seen that 40% of the total AIs predict yen depreciation and 60% of the total AIs predict yen appreciation. In addition to displaying the ratio as a number, the ratio may also be shown by a bar graph or the like. In this embodiment, the ratio of the prediction in the yen depreciation direction is called the first ratio, and the ratio of the prediction in the yen appreciation direction is called the second ratio. In the US dollar - Japanese yen exchange rate, in the case of dollar buying in imports, the first ratio can be used to calculate the recommended exchange amount for hedging. For example, if a payment of 1 million US dollars is planned and 100% is the hedging target, and the first ratio is 40%, then 400,000 US dollars is calculated as the recommended exchange amount. In the case of dollar selling in exports, since dollars have not been received and thus cannot be exchanged first, the calculation of the recommended exchange amount is not performed.

[0032] <AI Model Generation Method> In this embodiment, a plurality of AI models are used to predict the future trend of the exchange rate. Hereinafter, the method for generating the AI model in this embodiment will be described.

[0033] In this embodiment, an AI model for exchange rate trend prediction is generated by deep learning more than 400 types of information suitable for medium- and long-term prediction, including the following teacher data. The teacher data includes, for example, historical price information, technical indicators, US-Japan policy interest rates, dot charts (future interest rate outlook information of FOMC members), IMM currency futures positions, gross domestic product, consumer price index, employment statistics, US-Japan trade balance, Nikkei average stock price · S&P500, crude oil · gold · copper prices, element decomposition of market fluctuations by stochastic differential equations, etc.

[0034] Using this training data, AI models with slightly different personalities are generated through model training based on deep learning and Transformer technology. For example, if the order in which the training data is applied is changed during training, different AI models will naturally be generated. In this way, by using multiple AI models with slightly different personalities or strengths, even if one AI model is unable to make good predictions on the market, other AI models can compensate for the error, ultimately enabling highly accurate predictions. Future trend predictions using AI models can be performed, for example, using time series forecasting with deep learning technology. This makes it possible to uncover clues hidden behind the market.

[0035] The trend forecast graph 403 in Figure 4A predicts exchange rate trends from today onwards with a certain range. In this embodiment, the aim is to predict future exchange rate trends from the overall trend of predictions from multiple AI models with different characteristics, rather than relying on the predictions of any individual AI model. Therefore, the more AI models there are, the greater the reliability of the overall trend.

[0036] 3, after displaying a screen such as that shown in FIG. 4A, the user terminal 102 accepts an operation from the user in S306 and transmits the accepted operation content to the server 101 as input information in S307. The user operation includes, for example, selecting a menu item in the menu display area 401. If the user operation requests the display of a new screen, the server 101 executes processing required to generate the screen in S308 and transmits the processing result to the user terminal 102 as screen information in S309. For example, if a flow guide is selected in the menu display area 401, the server 101 generates screen information such as that shown in FIG. 4B and transmits it to the user terminal 102. Thereafter, the user terminal 102 displays the received screen information in S310, accepts further input from the user in S311, and transmits the input information to the server 101 in S312. The server 101 processes this input information in S308 in the same way as the input information in S307 and transmits the processing result to the user terminal 102. After this, the processes from S310 to S312 and S307 to S309 are repeated.

[0037] In this embodiment, a flow hedge guide and a stock hedge guide can be provided as hedging guides for currency exchange hedging. Importers hedge by currency exchange for future purchases, etc. The flow hedge guide is provided for this purpose. On the other hand, for customers who hold foreign currency in foreign currency without exchanging it, the stock hedge guide is provided as a currency exchange function for executing capital movements, etc. at the appropriate time.

[0038] <Flow Hedging Guide> The flow hedging guide provides a hedging guide that addresses issues related to exchange rate risk for importers. As described above, after an importer places an order for a desired product, it may take a certain amount of time to actually purchase the product and complete payment. Because exchange rates fluctuate during that period, there may be cases where the actual amount paid is higher than the expected payment amount at the time of placing the order. This embodiment takes into account the risk of such exchange rate fluctuations and provides information for effective exchange rate hedging, thereby reducing the user's financial burden.

[0039] FIG. 4B shows an example of a screen displayed when "Flow Guide" is selected from "Hedging Guide" in the menu display area 401. On the flow hedging guide screen 410, the hedge ratio can be set to any ratio between 0% and 100% in the hedge ratio setting interface 412. The hedge ratio indicates the application rate at which the first or second ratio described above is applied to the transaction amount. While 100% is used as an example in FIG. 4B, a lower application rate may also be used. In FIG. 4B, lower and upper limit alerts can be entered using input fields 413 and 414, respectively. The lower and upper limit amounts entered here are reflected in the dotted line positions of the trend forecast graph 403 shown below.

[0040] The operations for setting the application rate, lower limit alert, and upper limit alert in the above example correspond to the operations accepted by the user terminal in S306.

[0041] In Figure 4B, buttons labeled "Foreign Currency Payment Plan" 415 and "Create Guide" 416 are displayed below trend forecast graph 403. Each of these buttons is selectable and corresponds to an operation accepted by the user terminal in S306 (or S311). When "Foreign Currency Payment Plan" 415 is selected, screen information shown in Figure 4C is generated in server 101 and transmitted to user terminal 102. On the other hand, when "Create Guide" 416 is selected, the screen shown in Figure 4D is generated in server 101 and transmitted to user terminal 102.

[0042] <Foreign currency payment plan> First, in FIG. 4C, foreign currency payment plan information 421 is displayed on screen 420. Foreign currency payment plan information 421 displays foreign currency payment plan information, which is part of the user information stored in external storage device 208. Foreign currency payment plan information 421 allows the user to input the amount to be paid each month from February to July 2024 as a foreign currency payment plan. A hedge guide is provided for the amount obtained by multiplying this amount by the set hedge rate (100% in this case). Note that the period after July can also be entered, but this is not shown in FIG. 4C.

[0043] In the example of Figure 4C, a case where a foreign currency payment plan is input as a payment amount is described. In Figure 4C, payments are planned for February, March, April, May, June, and July 2024, and the payment amount is input monthly in the "Foreign Currency Payment Plan." The user can input any amount in the "Foreign Currency Payment Plan." Therefore, it is possible to input an amount higher than the amount actually planned to be paid to obtain a hedge guide. This amount is multiplied by the hedge rate, and a recommended exchange amount is provided as a hedge guide. The operation of inputting the amount in the "Foreign Currency Payment Plan" corresponds to the operation accepted by the user terminal in S306, and information on the input amount is transmitted to the server 101. The server 101 stores the information on the input amount in the external storage device 208 as part of the user information.

[0044] In addition, the "Determined Payment Amount" displays the amount calculated by aggregating the foreign currency payment information registered on the foreign currency payment management screen shown in Figure 5A etc. on a monthly basis based on the payment date. The amount displayed here is not taken into account in the hedge guide. The "Hedged Amount" displays the amount calculated by aggregating the foreign currency hedge information registered on the foreign currency hedge transaction management screen shown in Figure 6A etc. on a monthly basis based on the delivery date. Here, the amount of the "Hedged Amount" is unrelated to whether the foreign currency payment is linked to the currency exchange hedge. The "Unhedged Amount" displays the amount of the foreign currency payment plan minus the hedged amount.

[0045] The display of the final payment amount and the hedged amount is generated based on the information entered as foreign currency payment information and the information entered on the currency hedge transaction management screen, which are each transmitted to the server 101 as input information from the user terminal 102 in S306. The server 101 stores the input information in the external storage device 208 as part of the user information. Furthermore, when Create Guide 416 is selected, the foreign currency payment plan, hedged amount, and unhedged amount are each transmitted to the server 101 as input information from the user terminal in S306. Based on this information, the flow hedge guide result information of FIG. 4D is generated and transmitted to the user terminal 102. The server 101 stores the input information in the external storage device 208 as part of the user information.

[0046] <Results of Flow Hedge Guide> Next, the display screen for the flow hedge guide results will be described with reference to Figure 4D. Screen 430 displays execution rate 431 at the time the flow hedge guide was generated. Also displayed is total exchange amount 432 recommended in the flow hedge guide. In Figure 4D, a total of $103,000 is recommended for buying Japanese yen for US dollars. Screen 430 also displays a list 433 of the flow hedge guide results. List 433 displays the hedged amount by month, the total amount exchanged that month, the exchange rate at the time of exchange, the recommended exchange amount for that month, and the unhedged amount. Also, here, the hedge ratio at the time the guide was created is set to 100%.

[0047] For example, in March 2024, the hedged amount is $180,000, while the exchanged amount is $197,000. The exchanged amount is the amount hedged as a currency exchange hedge (hedge amount) on the currency hedge transaction management screen (see Figure 6A, described below). The exchanged amount does not have to be the entire amount; it only needs to be registered as the hedged amount. The hedged amount can also be considered the amount set aside for future payments. The hedged amount corresponds to the amount used to calculate the recommended exchange amount through this hedging service, and may be the same as or different from the payment amount. Since this hedged amount is hedged through this hedging service, it can be considered the hedged amount, including the exchanged amount. In Figure 6A, the exchanged amount exceeds the hedged amount, so the recommended exchange amount is $0. Furthermore, since the $180,000 has already been fully hedged, the unhedged amount is $0. 145.19 yen / dollar indicates the exchange rate at the time of exchange. If multiple exchanges are made, the average exchange rate is displayed.

[0048] On the other hand, in May 2024, the hedged amount is $72,000, but the amount already exchanged is $0. Since no exchange has been made, the exchange rate is blank. The recommended exchange amount is determined based on the AI ​​voting percentage trend for $72,000. Since the current date is January 17th and the payment is in May, the AI ​​voting percentage shown in Figure 4A (405) is for buying dollars, so the recommended exchange amount for the exchange hedge is calculated based on the yen depreciation rate (first rate) for the corresponding period. In this case, since this value is approximately equivalent to 43% three months later, we recommend exchanging $31,000 from Japanese yen to US dollars for $72,000. The unhedged amount is the amount of the hedged amount that is deemed unnecessary to be hedged. In the case of May 2024, it is $41,000, calculated by subtracting the recommended exchange amount of $31,000 from $72,000. Unless this unhedged amount is subsequently hedged, it will be converted into foreign currency through spot exchange on the payment due date, and the combined amount will be paid from the foreign currency account together with the converted foreign currency. Alternatively, payment may be made only from the balance in the foreign currency account without spot exchange. In addition, if part of the balance in the foreign currency account is used, it may be possible to specify an upper limit on the amount that can be used.

[0049] Similarly, for June 2024, the hedged amount is $99,000, but the amount already converted is $0. The recommended exchange amount is $99,000, and since the yen depreciation rate (first rate) indicated by the AI ​​voting percentage is approximately 43% of the $99,000, we recommend exchanging $43,000 of Japanese yen for US dollars. The remaining unhedged amount is $56,000, calculated by subtracting the recommended exchange amount of $43,000 from $99,000. Unless subsequently hedged, the unhedged amount will be converted via spot exchange, combined with the converted foreign currency, and paid from the foreign currency account on the due date. As above, here too, it is possible to omit spot exchange and make payments from the balance in the foreign currency account alone.

[0050] Figure 4D does not display the July 2024 amount, but it can be viewed by scrolling. For July, the hedged amount is $64,000, while the exchanged amount is $0. The recommended exchange amount is $64,000, and the yen depreciation rate (first rate) indicated by the AI ​​voting percentage is approximately 45%. Therefore, we recommend exchanging $29,000 of Japanese yen for US dollars for $64,000. The remaining unhedged amount is $35,000, calculated by subtracting the recommended exchange amount of $29,000 from $64,000. Unless subsequently hedged, the unhedged amount will be converted into spot currency and, combined with the exchanged foreign currency, will be paid from the foreign currency account on the due date. As above, you can also omit spot currency exchange here and make payments from the foreign currency account balance alone.

[0051] As a result of the above, the total recommended exchange amount 432 is the sum of the above recommended exchange amounts, which is $31,000 + $43,000 + $29,000 = $103,000.

[0052] The recommended exchange amount can be calculated using the following formula, for example.

[0053] First recommended exchange amount (H1: for buying dollars) = (planned payment amount for the month) × (application rate) × (first rate for the month) - (exchanged amount for the month) (Formula 1) For example, in the case of imports, if the monthly planned payment is $18,000, the application rate is 80%, the first rate is 45%, and the exchanged amount is $3,000, the recommended additional hedge amount is $3,480. Note that the displayed amount may be, for example, $4,000 if in units of $1,000, or $3,500 if in units of $100.

[0054] Currency hedging does not mean that you can simply hedge once and then not have to follow up, but it is advisable to periodically determine whether additional hedging is necessary based on future forecasts. In the example above, the recommended hedge amount calculated for that month was $103,000, and was actually hedged, but when calculated next month, new forecasts indicate that additional dollar-buying exchange hedging is necessary.

[0055] The PDF output button 434 is an operation button for outputting the contents of the screen 430, including the effective exchange rate 431, the total recommended exchange amount 432, and the list 433, as PDF data. Since the exchange itself must be carried out separately from this interface, it is possible to refer to the PDF and carry it out at that time.

[0056] In the processing from S305 to S312 in FIG. 3, for example, when a stock guide is selected in the menu display area 401, the server 101 generates information for a screen such as that shown in FIG.

[0057] <Stock Hedging Guide> The Stock Hedging Guide provides hedging guidance to address exporters' challenges related to foreign exchange risk. Exporters generally seek to minimize the impact of foreign currency holdings on their financial statements or to convert foreign currency into yen at an advantageous time. Specifically, in the former case, exporters have surplus yen funds and no need to convert foreign currency into yen, or they hold foreign currency for future overseas investments. Since foreign currency balances are valued in yen at the end of fiscal year (fiscal year, quarter), the impact on financial statements can be significant, especially when foreign currency balances are large. For example, if the yen strengthens during foreign currency valuation, exporters may end up with a loss due to valuation losses despite profits from their core business. Exporters want to avoid this situation. In the latter case, exporters have significant sales in foreign currency and hold more foreign currency than they plan to use in the future, and they want to convert a certain amount of foreign currency into yen at an advantageous time.

[0058] In this embodiment, the stock hedging guide can provide guidance on the timing and amount of currency hedging when converting foreign currency into yen. FIG. 4E shows an example of a screen displayed when "Stock Guide" is selected from "Hedge Guide" in the menu display area 401. On the stock hedging guide screen 440, upper and lower limit alerts can be entered using input fields 441 and 442, respectively. The upper and lower limit amounts entered here are reflected in the dotted line positions of the trend forecast graph 443 shown below.

[0059] In addition, the hedge guide notification settings and bank fees can be entered using input fields 444 and 445. In the hedge guide notification settings, the timing of sending a notification encouraging the use of the hedge guide can be set. The timing of the notification can be a specific day specified by the user or at the end of the month. For the bank fee, the amount of the bank's currency exchange fee can be entered.

[0060] The purpose of stock hedging is to reduce the impact of surplus dollar funds of overseas subsidiaries on quarterly financial results or to convert a portion of the surplus dollar funds of overseas subsidiaries into yen by the end of the current fiscal year. Because such objectives target short- to medium-term capital movements, there is not much need to combine multiple strategies. Therefore, the stock hedging guide screen 440 does not display the hedge ratio setting interface 412 like the flow hedging guide screen 410 in Figure 4B. However, it is also possible to display the hedge ratio setting interface and set the hedge ratio for stock hedging.

[0061] Stock exchange plan 446 is an operation reception area for displaying a list of information regarding the scheduled exchange dates and the amounts, and when clicked, a screen such as that shown in FIG. 4F is displayed. A click on stock exchange plan 446 is transmitted to server 101 as input information from the user terminal in S306, and display information in FIG. 4F is generated based on that information, transmitted to user terminal 102 in S309, and displayed in S310. Server 101 stores each piece of information input via screen 440 in external storage device 208 as part of user information.

[0062] <Stock Exchange Plan> FIG. 4F shows an example of a stock exchange plan display. Screen 450 shows an example of a stock exchange plan screen. Screen 450 displays the foreign currency deposit balance 451 to be exchanged. In this case, it is $2,100,000. Below that, exchange plan 452 is displayed, including the exchange completion date and the amount of money remaining to be exchanged. The exchange completion date refers to the date on which the exchange is scheduled to occur.

[0063] In Figure 4F, the exchange plan includes a sell order of $500,000 due in October 2024 and another of $1,000,000 due in December 2024. To enter a new exchange plan, enter the due date and the planned exchange amount in the New Plan field. The total amount registered as the exchange plan is shown below as the total outstanding balance of $453. In this case, it is $1,500,000. The balance of $2,100,000 represents the current balance of the foreign currency account. This balance does not take into account any future foreign currency transactions (see Figure 7).

[0064] When the guide creation button 447 is operated, a guide is provided regarding the amount to be hedged in the currency exchange plan of Fig. 4F. The click on the guide creation button 447 is transmitted to the server 101 as input information from the user terminal in S306, and display information of the stock currency exchange guide result of Fig. 4G is generated based on the information, transmitted to the user terminal 102 in S309, and displayed in S310. The server 101 stores each piece of information input via the screen 450 in the external storage device 208 as part of the user information.

[0065] <Stock Exchange Guide Results> FIG. 4G shows an example of a stock exchange guide result screen 460 that is displayed in response to operation of the guide creation button 447. On screen 460, area 461 displays the current prevailing exchange rate, and area 462 displays the total recommended exchange amount for this month. In FIG. 4G, $813,000 is displayed. The breakdown of this amount follows the content displayed in areas 463 and 464.

[0066] Area 463 displays the recommended exchange amount for $500,000 to be exchanged in October 2024. $269,000 is recommended, with an outstanding balance of $231,000. Area 464 displays the recommended exchange amount for $1,000,000 to be exchanged in December 2024. $544,000 is recommended, with an outstanding balance of $456,000.

[0067] The recommended exchange amount can be calculated using the following formula, for example.

[0068] Second recommended exchange amount (H2: for selling dollars) = (Planned amount) × (Applied rate) × (Second rate for the month) – (Amount exchanged for the month) (Equation 2) For example, if the planned amount is $500,000, the application rate is 100%, the second rate is 55%, and the exchanged amount is $0, the recommended additional hedge amount will be $275,000. The displayed amount may be in units of $1,000 or $100, for example. The above formula includes the application rate, but if it is not possible to set the application rate, the application rate can be calculated as 1.

[0069] It is not the case that currency hedging can be performed once and then not followed up, but it is desirable to determine whether additional hedging is necessary based on future forecasts at regular intervals. Notifications are sent monthly according to the hedge guide notification setting 444 shown in Figure 4E, so it is desirable to create a guide each time and determine whether additional currency exchange should be performed.

[0070] In this way, the stock exchange guide result screen 460 can suggest the amount of currency that should be exchanged at this time based on the planned exchange amount and exchange timing. If the user accepts this suggestion, they can click the provisional transaction registration 465 to add the recommended exchange amount to the exchange hedge transaction list 601 on the currency hedge transaction management screen 600 shown in Figure 6A. The payment due date field displays the exchange completion date. When added to the exchange hedge transaction list 601, the execution status is "provisional registration," and the exchange date, rate, amount received, and bank name are left blank. Therefore, when the exchange is actually executed, open the input screen 610 shown in Figure 6B (described later), change the execution status 621 to "exchanged," and enter values ​​in the blank fields. This registers the exchange amount. In this case, the amount will be treated as the exchanged amount when creating stock exchange guides from the next time onwards. Once the execution status 621 is changed to "exchanged," it will be referenced as the exchanged amount when creating stock hedge guides. At this time, the exchange completion date included in the exchange plan is used as the basis, and the execution status 621 with the matching exchange completion date is referred to as the registered content of the exchange completed.

[0071] Screen 460 also displays a PDF output button 466, and clicking this button generates PDF data of the contents of screen 460. Here too, the currency exchange itself must be carried out separately from this interface, so the PDF can be referenced at that time to carry it out.

[0072] <Foreign currency payment management> When "Foreign Currency Payment Management" is selected in menu display area 401 of the screen of FIG. 4A in S305 of FIG. 3, a message indicating that "Foreign Currency Payment Management" has been selected is transmitted to server 101 in S307, and display information corresponding to FIG. 5A is generated by server 101. FIG. 5A is a diagram showing an example of a display screen when "Foreign Currency Payment Management" is selected in menu display area 401. When "Foreign Currency Management" is selected from the main items displayed in menu display area 401, "Foreign Currency Payment Management," "Exchange Hedge Transaction Management," and "Foreign Currency Deposit Management" are displayed as sub-items. When "Foreign Currency Payment Management" is selected from these, a list of foreign currency payment schedules 501, an input field 502 for search information, and an add button 503 for adding a new payment schedule are displayed, as shown in screen 500.

[0073] The foreign currency payment schedule list 501 displays foreign currency payment information, which is part of the user information stored in the external storage device 208. The payment status displays whether unpaid or paid, the transaction number is displayed as the transaction number, the payment date is displayed as the due date of the foreign currency payment, the customer is displayed as the company name of the payee, the currency in which the payment is made as the currency, and the payment (e.g., buying dollars) as the payment. The amount is displayed in the currency indicated by "currency."

[0074] In Figure 5A, the payment is for a dollar purchase, so it is displayed in US dollars. In the case of dollar import purchases, the purchase status indicates whether the purchase of the goods has been completed, and if it has been completed, it will be displayed as "After Purchase," and if it has not been completed, it will be displayed as "Before Purchase." The linking rate indicates the percentage of the link between the foreign currency payment amount and the exchanged amount. In Figure 5A, the payment of $15,000 with a payment date of February 26, 2024, is 100% linked, but the rest are not linked.

[0075] This information can be used to search in the search information input field 502 to extract transactions of the relevant items. For example, a search can be performed by transaction number, business partner, or amount. If you want to add new transaction information, you can click the Add button 503 to display an input screen. The click of the Add button 503 is transmitted to the server 101 in S312, and the server 101 generates display information corresponding to FIG. 5B in S308 and transmits it to the user terminal 102 in S309. The display information in FIG. 5A may include a script (e.g., Java Script), and the screen in FIG. 5B may be displayed by executing the script.

[0076] <Foreign currency payment entry> Figure 5B shows an example of the input screen displayed at this time. Foreign currency payment input screen 510 like that shown in Figure 5B may be displayed overlapping the display of screen 500 in Figure 5A, or may be displayed in place of screen 500. Figure 5B shows an example of inputting transaction number A111111 in Figure 5A.

[0077] On the foreign currency payment input screen 510, users can enter payment date 511, business partner 512, currency 513, payment / receipt type 514, amount 515, purchase status 516, order / order date 517, purchase / sales date 518, bank name 519, invoice 520, and memo 521. By clicking the Add button 523, the entered information can be added to the foreign currency payment schedule list 501. In response to clicking the Add button 523, the entered information is sent to the server 101 in S312, and the server 101 updates the display information corresponding to FIG. 5B. The server 101 stores the newly added information to the foreign currency payment schedule as part of the user information in the external storage device 208. Clicking the Cancel button 521 cancels the entered information and returns to the screen of FIG. 5A. The added information is included in the foreign currency deposit list 704 on the foreign currency deposit management screen of FIG. 7 (described later) as a transaction category denominated in foreign currency.

[0078] 5A, when any row is selected in the foreign currency payment schedule list 501 on the screen 500, a screen is displayed that displays the input contents of the selected row. Here, it is assumed that the row indicated by the box 504 is selected. Operation information for selecting a row in the foreign currency payment schedule list 501 is transmitted to the server 101 in S312, and the server 101 generates display information corresponding to FIG. 5C and transmits it to the user terminal 102.

[0079] FIG. 5C shows an example of a screen displayed when box 504 is selected. In screen 530, area 531 displays foreign currency payment details, including the transaction number, payment date, supplier, currency, payment type (as a transaction type), amount, purchase status, order / order date, purchase / sales date, and memos. The status of the exchange hedge transaction linking is also displayed. In FIG. 5C, display 533 shows that linking ratio 532 is 100%, indicating that the entire $18,000 payment is linked to a forward exchange contract. The specific linking is shown in linking display 534, indicating that the payment is linked to an exchange amount of $150,000. Save button 535 is used to save changes to the linking status.

[0080] Table 536 shows a list of currency exchange hedge transactions that can be linked. Table 536 does not display currency exchange hedge transactions that are already fully linked, but only displays transactions with unlinked balances. Table 536 includes the payment due date, rate, hedged amount, unlinked balance, bank name, and transaction number. Only transactions with payment due dates prior to the payment date of the linked foreign currency payment are registered in table 536. Therefore, in the example of Figure 5C, only transactions with payment due dates prior to February 26, 2024 are displayed, and transactions with payment due dates after February 27, 2024 are not displayed.

[0081] The operations for linking will be described with reference to Figures 5D to 5F. First, Figure 5D shows an example of a display of screen 530 in which linking has not been performed in the foreign currency payment details for transaction number A111113 shown in Figure 5A.

[0082] In FIG. 5D , display 533 shows that linking percentage 532 is 0%, meaning that the entire $14,000 payment is not linked to the currency exchange hedge. Display 537 indicates that an unlinked amount remains, and the user can confirm this display to link (allocate) the amount. Linking can be performed by selecting any transaction registered in table 536, which lists exchange hedge transactions that can be linked, and dragging and dropping the transaction onto display 537 to link the amount of that transaction. For example, the $48,000 currency exchange hedge transaction enclosed in box 538 can be selected and dragged and dropped onto display 537.

[0083] An example of the display at that time is shown in Figure 5E. In Figure 5E, pegging display 534 shows that pegging of $48,000 has been performed. As a result, pegging ratio 532 is 34.29%, and display 533 shows that the pegged amount is $48,000 and the remaining amount is $92,000. At this point, there is still an amount that has not been pegged, so display 537 is still displayed.

[0084] The contents of table 536 show that the unlinked balance of transaction number B111111, which was dragged and dropped, has become 0, and the full amount has been linked. In this state, the amounts of other transaction numbers can be linked using the same drag and drop operation. When linking is performed, the linked amount is subtracted from the received amount and displayed. For example, if $92,000 is linked from transaction number B111112, the full amount will be linked.

[0085] Even if the unlinked balance of a transaction becomes 0 due to linking, it will be displayed in table 536 until Save button 535 is operated. Therefore, the user can arbitrarily change the linking combination. When Save button 535 is operated, the transaction whose unlinked balance becomes 0 will be deleted from table 536.

[0086] FIG. 5F shows the state of FIG. 5E, in which transaction number B111112 is linked to $92,000, and then Save button 535 is operated, deleting transaction number B111111, whose unlinked balance is now zero, from table 536. In FIG. 5F, linking display 538 is added, indicating that $92,000 has been linked. As a result, linking percentage 532 becomes 100%, and display 533 shows the linked amount as $140,000 and the remaining amount as $0. Delete button 539 is displayed within linking displays 534 and 538. Even if the linking status has been saved, clicking Delete button 539 allows the linking to be canceled. If Save button 535 is operated again after the linking is canceled, the contents of transaction number B111111 are redisplayed in table 536. When the save button 535 is operated in the display state of FIG. 5F, the linking ratio of transaction number A111113 is changed to 100% in the foreign currency payment schedule list 501 of FIG. 5A.

[0087] 5D to 5F, for example, if there is a change in linking, the change in linking may be sent to the server 101 in S312, and the server 101 may generate information to be displayed thereafter, or in response to an operation of the save button 535, the results of the change at that time may be sent to the server 101 in S312, and the displayed information may be updated. When the save button 535 is operated, the server 101 stores the changed foreign currency payment information in the external storage device 208 as part of the user information.

[0088] According to Figure 5D, for unlinked foreign currency payments, it is possible to intuitively grasp whether there is a shortfall in the exchange hedge, and the shortfall can be made up with simple operations. Furthermore, the linking amount is calculated automatically, eliminating the need for the user to calculate the linking amount. In the case of exchange hedging, it is assumed that the payment amount will be hedged according to the payment due date. In this case, a single hedge amount will be linked to each payment amount. In contrast, Figures 5D to 5F deliberately show a case where multiple hedges are combined for the sake of explanation, but this is merely for the purpose of explanation, and it is not necessarily necessary to combine multiple hedges.

[0089] <Currency hedging transaction management> In the above-described embodiment, when a recommended exchange amount as shown in Fig. 4D is presented, the user exchanges money via the user terminal 102 with the bank or other financial institution's system 103 in S313. After the exchange, in order to input information about the exchange transaction, a request for a currency hedge transaction management screen is made to the server 101 in S314. This request can be made by displaying a screen such as that shown in Fig. 4A and then selecting "Currency Hedge Transaction Management" in the menu display area 401. In response, the server 101 executes the processing required to generate a screen such as that shown in Fig. 6A in S315, and transmits the processing result to the user terminal 102 as screen information in S316.

[0090] Fig. 6A is an example of a display screen when "currency hedge transaction management" is selected in menu display area 401. In Fig. 4A, when "foreign currency management" is selected from the main items displayed in menu display area 401, "foreign currency payment management," "currency hedge transaction management," and "foreign currency deposit management" are displayed as sub-items. When "currency hedge transaction management" is selected from these, screen 600 of Fig. 6A is displayed in S317. Screen 600 includes a currency exchange hedge transaction list 601, a search information input field 602, and an add new currency hedge transaction button 603.

[0091] The currency exchange hedge transaction list 601 displays information about currency exchange hedge transactions, which are part of the user information stored in the external storage device 208. The execution status displays "exchanged" or "provisionally registered." "exchanged" indicates that the user has actually completed the foreign currency exchange, while "provisionally registered" indicates that the planned exchange amount has been registered in the currency exchange hedge transaction list 601. The transaction number is displayed as the transaction number, but if a link has been established, this information may be displayed instead of the transaction number. The exchange date indicates the date of the exchange, and the currency pair is the currency pair that is the subject of the currency exchange hedge; in Figure 6A, the U.S. dollar (USD) and the Japanese yen (JPY) are registered. The type is "currency exchange hedge," and the hedged amount is registered. The account balance usage amount indicates the amount of the hedged amount that is scheduled to be paid from the foreign currency account on the payment due date, and the exchange amount is registered as the amount exchanged based on the recommended exchange amount shown in Figure 4D. The sum of the account balance usage amount and the exchange amount is the currency exchange hedge amount.

[0092] The payment amount is the amount paid to obtain the exchange amount. In this case, 14,161,000 yen is paid to obtain 98,000 US dollars as the exchange amount. The rate is the dollar-yen exchange rate at the time of the exchange, and for transaction number B111111, the exchange rate is 144.50 yen per dollar. The payment due date is registered as the payment due date of the transaction to be hedged, or an earlier date. For example, for transaction number B111111, it is February 1, 2024. The bank name is registered as the name of the bank holding the foreign currency account. In addition, account numbers, etc. may also be displayed if registered.

[0093] This information can be used to search in the search information input field 602 to extract transactions of the relevant items. For example, a search can be performed by transaction number, payment due date, or amount. If you want to add new transaction information, click the Add button 603 to display an input screen. The click of the Add button 603 is transmitted to the server 101 in S312, and the server 101 generates display information corresponding to FIG. 6B in S308 and transmits it to the user terminal 102 in S309. The display information in FIG. 6A may include a script (e.g., Java Script), and the screen in FIG. 6B may be displayed by executing the script.

[0094] <Entering currency hedge transactions> When the add button 603 is clicked on the user terminal 102, the input screen shown in Fig. 6B is displayed. Fig. 6B shows an example of inputting the details corresponding to transaction number B111111. The currency hedge transaction input screen 610 shown in Fig. 6B may be displayed overlapping the display of screen 600 in Fig. 6A, or may be displayed in place of screen 600.

[0095] The currency hedge transaction input screen 610 allows users to enter the exchange date 611, currency pair 612, type 613, payment date 614, hedge amount 615, account balance utilization amount 616, exchange amount 617, rate 618, payment amount 619, bank name 620, and execution status 621. The hedge amount 615 is the amount to be hedged. It is broken down into the sum of the account balance utilization amount and the exchange amount. The account balance utilization amount is the amount of the hedge amount to be paid into a foreign currency account or via spot exchange on the payment due date, and the exchange amount is the amount to be exchanged before the payment due date. The execution status 621 can be selected as either provisional registration or completed. The entered information can be added to the currency hedge transaction list 601 by clicking the Add button 623. Furthermore, when the Add button 623 is clicked, the input to the currency hedge transaction input screen 610 is treated as the input in S318 and sent to the server 101 in S319, and on the server 101 side, it is stored in the external storage device 208 as part of the user information in S320. The display information is also updated in accordance with this information and provided to the user terminal 102. Furthermore, when the Cancel button 622 is clicked, the input contents are canceled and the screen returns to that of FIG. 6A.

[0096] The input screen 610 of FIG. 6B is also displayed when any of the items registered in the currency exchange hedge transaction list 601 on the screen 600 is selected, allowing the user to change the registered content. For example, the execution status 621 may be changed from provisional registration to completed, and when changing to completed, the user may be required to enter the date of the exchange, the exchange amount (payment amount), and the exchange rate. When the registered content is changed and a change button corresponding to the add button 623 is clicked, the changes are reflected in the currency exchange hedge transaction list 601. When the change button is clicked, the changes are treated as input in S318 and transmitted to the server 101 in S319. The server 101 then stores the changes in the external storage device 208 as part of the user information in S320. The displayed information is updated based on the information and provided to the user terminal 102. When the cancel button 622 is clicked, the input content is canceled and the user returns to the screen of FIG. 6A.

[0097] <Foreign currency deposit management> FIG. 7 is an example of a display screen when foreign currency deposit management is selected in the menu display area 401. In FIG. 4A, when "Foreign Currency Management" is selected from the main items displayed in the menu display area 401, sub-items "Foreign Currency Payment Management," "Exchange Hedge Transaction Management," and "Foreign Currency Deposit Management" are displayed. When "Foreign Currency Deposit Management" is selected, a foreign currency deposit management screen request is sent from the user terminal 102 to the server 101 in S321 of FIG. 3B. In response, the server 101 executes the processing required to generate a screen such as that shown in FIG. 7 in S322, and transmits the processing result to the user terminal 102 as screen information in S323. As a result, the screen 700 of FIG. 7 is displayed. The screen 700 includes a currency designation control 701, a foreign currency account designation control 702, an add button 703, and a foreign currency deposit list 704.

[0098] The currency control 701 allows the user to select the currency of the foreign currency account. Currency types include the dollar, euro, yuan, Swiss franc, Australian dollar, Singapore dollar, Indian rupee, Indonesian ringgit, Thai baht, Philippine peso, and South Korean won. The foreign currency account designation control 702 allows the user to specify the account type to be included in the display of the foreign currency deposit list 704. Account types include the foreign currency account total, which is the sum of the foreign currency accounts to be displayed, and individual foreign currency accounts. The type selected here is included in the foreign currency deposit list 704. The add button 703 can be operated to add an item to be displayed in the foreign currency deposit list 704. Operating the add button 703 displays the transaction category of the item to be added, and an input screen corresponding to the selected transaction category is displayed.

[0099] The foreign currency deposit list 704 includes the date, transaction category, and deposit / withdrawal amount without designated account. The date indicates the date on which the transaction of the transaction category is made. In this case, foreign currency transactions are registered as the transaction category, but other types include currency exchange and account transfers. In addition, the deposit / withdrawal amount without designated account is the amount for transactions registered without designating an account. When no account is designated, a bank function is used to exchange money from a yen account into foreign currency and remit it directly overseas without going through a foreign currency account.

[0100] The foreign currency deposit list 704 includes foreign currency account information, including the total foreign currency account amount and information on each individual foreign currency account. The foreign currency account total includes deposit and withdrawal amounts, balances, and planned usage amounts. The deposit and withdrawal amounts are registered as the daily total of deposits and withdrawals made to a specified foreign currency account. The balances are registered as the total foreign currency account balances for each day. The planned usage amount includes the total amount of the balance set aside for that day as a currency exchange hedge. For each bank account, the deposit and withdrawal amounts and account balances corresponding to the date are registered. The foreign currency deposit list 704 visualizes future receipts and payments and currency exchange plans, allowing the account manager to be alerted. For example, if the current foreign currency balance is $200,000 and a $300,000 remittance is scheduled for the following week, the balance is displayed as a negative number (-$100,000). This allows the user to be notified of insufficient balances and the amount of the shortfall.

[0101] In this manner, in this embodiment, by presenting the planned usage amount, the user can be notified of the portion of the foreign currency account balance that is set aside for currency exchange hedging.

[0102] In Figure 7, the total balance of the foreign currency account as of January 17, 2024 is $2,346,000, while the amount planned for use in currency exchange hedging is $646,000. This amount is the cumulative total of $198,000 for transaction number 111111, $197,000 for transaction number 111112, and $251,000 for transaction number 111113.

[0103] Additionally, a payment of $150,000 is scheduled for February 26, 2024, bringing the total balance in the bank account to $2,296,000. Because the amount hedged for the payment due date of February 26, 2024 is $198,000, this amount is subtracted from the planned amount to be used. In this case, the planned amount to be used is the portion of the balance that was set aside as a currency hedge, so the difference between the paid amount of $150,000 and $198,000 remains as the balance.

[0104] Although not shown in Figure 7, if you exchange your foreign currency deposits according to the stock exchange guide results in Figure 4G, the transaction will be registered in the foreign currency deposit list 704 as a "currency exchange hedge transaction" and the dollar amount for the exchange will be deducted from the balance of your foreign currency account. The dollar amount for the exchange will not be included in the planned usage amount mentioned above.

[0105] <Foreign currency payment entry> When the Add button 703 is clicked on the user terminal 102, an input screen is displayed. The input screen displayed here may be the same as the screen 510 shown in FIG. 5B, for example. When the necessary input is made on this display and the Add button 523 is clicked, the input content can be added to the foreign currency deposit list 704. When the Add button 523 is clicked, the input on the screen 510 is treated as the input in S324, transmitted to the server 101 in S325, and stored in the external storage device 208 on the server 101 side as part of the user information in S326. The display information is updated in accordance with this information and provided to the user terminal 102. When the Cancel button 522 is clicked, the input content is canceled and the screen returns to that of FIG. 7.

[0106] <About the effect of currency hedging> Next, with reference to FIGS. 8A to 8D, the currency hedging effect when hedging according to this embodiment is performed will be described. FIGS. 8A to 8D are examples of a display screen when "Currency Hedging Effect" is selected in the menu display area 401. When "Currency Hedging Effect" is selected from the main items displayed in the menu display area 401 and "Actual Average Rate Comparison" is further selected, a currency hedging effect screen request is sent from the user terminal 102 to the server 101 in S327 of FIG. 3B. In response, the server 101 executes the processing required to generate a screen such as that shown in FIG. 8A in S328 and transmits the processing result to the user terminal 102 as screen information in S329. As a result, a screen 800 such as that shown in FIG. 8A is displayed. The initial screen may display the previous display result as is, or no graph may be displayed.

[0107] As shown in FIG. 8A, screen 800 displays a currency pair 801, a period 802, a currency hedging period 803, and an execute button 804 at the top. Any currency pair can be selected as the currency pair 801. Here, the pair of US dollar and Japanese yen is selected. The period 802 can be set to the period for which the average rate comparison is performed, and any start date and period can be set. Alternatively, the period can be fixed. For example, a period of one year can be specified, in which case the end date is automatically selected. If January 2023 is selected as the start date and one year as the period, the end date is set to December 2023. The dates selectable as the disclosure date are determined based on the current time and period. If the current time is January 2024 and the period is one year, the exchange results for the end date will be known on a monthly basis at the end of December 2023, so the start date will be January 2023, 12 months (one year) back from that date.

[0108] The currency hedging period 803 indicates the period of hedging. For example, Figure 8A shows a case where a three-month hedging period is specified. In this case, hedging begins three months before the scheduled payment date. Note that additional hedging may occur in subsequent months depending on market conditions. The currency hedging period 803 can be selected from multiple hedging periods. For example, it can be selected from three months, six months, nine months, and 12 months. Figures 8B, 8C, and 8D correspond to hedging periods of six months, nine months, and 12 months, respectively. Any other period may also be selected as the hedging period.

[0109] The execute button 804 is a button for instructing execution of a simulation according to the conditions specified by the currency pair 801, period 802, and exchange hedging period 803. FIG. 8A shows the results of a simulation performed when the execute button 804 is operated, with the currency pair being USDJPY, the period being January to December 2023, and the exchange hedging period being three months. Here, when the execute button 804 is clicked, input to the screen 800 is treated as input in S330 of FIG. 3B and sent to the server 101 in S331. The server 101 then performs a simulation under the specified conditions in S332 and generates a comparison result. The generated comparison result is sent from the server 101 to the user terminal 102 in S333. The user terminal 102 updates the display of the screen 800 in S334, displaying a graph comparing average rates.

[0110] In the graph display of the average rate comparison on screen 800 in FIG. 8A, line 805 indicates the actual trend in the yen / dollar exchange rate. The vertical axis is in yen, and the horizontal axis represents the year and month. The left end of the graph represents January 2023, and the right end represents December 2023. Line 805 shows that the value of the yen per US dollar fluctuated significantly from around 130 yen to around 150 yen, before returning to around 140 yen. If the currency hedging period for such exchange rate movements were three months, the no-hedge (shown by the dotted line) would be 140.59 yen / dollar, while the hedging service (shown by the dashed-dotted line) would be 139.28 yen / dollar. Hereinafter, hedging using this hedging service will be referred to as "adaptive hedging" in this embodiment. Furthermore, the full hedging would be 137.38 yen.

[0111] Similarly, Figure 8B assumes a six-month currency hedging period, with the average unhedged rate at ¥140.59 / $, the adaptive hedged rate at ¥138.17 / $, and the full hedged rate at ¥134.18 / $. Figure 8C assumes a nine-month currency hedging period, with the average unhedged rate at ¥140.59 / $, the adaptive hedged rate at ¥136.62 / $, and the full hedged rate at ¥131.88 / $. Figure 8D assumes a 12-month currency hedging period, with the average unhedged rate at ¥140.59 / $, the adaptive hedged rate at ¥132.08 / $, and the full hedged rate at ¥128.15 / $.

[0112] 8A to 8D, it can be seen that the average rate in the no-hedge case is fixed at 140.59 yen, but the average rates in the adaptive hedge and full hedge cases tend to decline. During the period 802 simulated in Figures 8A to 8D, the long-term trend of a weaker yen continued, so it can be seen that hedging is more efficient.

[0113] In contrast, if we change the period 802 and perform a simulation with a currency hedging period of three months, from May 2020 to April 2021, as shown in Figure 8E, we obtain results different from those shown in Figure 8A and other figures. During this period, the exchange rate fluctuates from a weak yen to a strong yen, and then transitions back to a weak yen trend. The average rate obtained with full hedging at this time is 106.29 yen / dollar. This amount is higher than the average rate of 106.26 yen / dollar with no hedging. On the other hand, with adaptive hedging, the average rate is 105.97 yen / dollar, the lowest average rate. In this way, using adaptive hedging according to this embodiment makes it possible to increase tolerance to exchange rate fluctuations.

[0114] Next, the calculation method for the average rate comparisons shown in Figures 8A to 8E will be explained with reference to Figure 9. Figure 9 shows the average rates based on the payment amounts for no hedging, full hedging, and adaptive hedging, assuming a monthly payment of $100,000 over the period from January to December of a certain year, with a hedging period of three months. Note that the exchange rate will vary from month to month. For the sake of explanation, we will simply assume that the yen weakens by 50 cents each month.

[0115] With no hedging, monthly payments are made at the exchange rate for that month. Therefore, the 12-month payment amount is $1.2 million, which is equivalent to ¥171.31 million. From this, the average rate is 142.76 yen / dollar. In other words, the average rate for no hedging indicates the average exchange rate for each payment amount over the specified period if payments were made at the exchange rate on the payment date without hedging. In contrast, with full hedging, the exchange rate would begin three months earlier, in October of the previous year. The 12-month payment amount from October to September of the previous year would be $1.2 million, which is equivalent to ¥169.5 million. From this, the average rate is 141.25 yen / dollar. In other words, the average rate for full hedging indicates the average exchange rate for each payment amount over the specified period if the entire payment amount were converted and paid the specified hedge period prior to the payment date.

[0116] For adaptive hedging, a 100% hedge ratio means the entire payment is hedged. For illustrative purposes, this example assumes a fixed first ratio of 75%. In other words, the entire monthly payment of $100,000 is hedged, with only 75%, or $75,000, hedged. The $75,000 is converted three months in advance, and the remaining $25,000 is paid on the due date at the prevailing rate. In this case, the total hedged payment is $900,000, or ¥127,125,000, while the total unhedged payment is $300,000, or ¥42,827,500, for a total of ¥169,952,500. From this, the average rate is 141.63 yen per dollar. Note that even after the conversion three months ago, additional conversions may occur depending on the exchange rate. The prevailing rate for these conversions is taken into account when calculating the average rate. In other words, the average rate of the adaptive hedge will represent the average exchange rate of each payment amount if, for a specified period, at least a portion of the payment amount is converted based on the currency conversion hedge processing during the period from the payment date to within the hedge period, and the remaining payment amount that has not been converted on the payment date is paid at the exchange rate on the payment date.

[0117] The average rates obtained in this way are the fixed values ​​for no hedge, full hedge, and adaptive hedge shown in Figures 8A to 8E. Note that in the actual simulation, the first ratio is variable. Even if the hedge period is different from three months or the application period is different from one year, the calculations can be performed in the same way as above.

[0118] Next, with reference to FIG. 10 , a display example of a payment comparison for currency hedging effects when adaptive hedging according to this embodiment is performed will be described. FIG. 10 is an example of a display screen when "Currency Hedging Effects" is selected in the menu display area 401. When "Currency Hedging Effects" is selected from the main items displayed in the menu display area 401 and "Payment Amount Comparison" is then selected, a currency hedging effects screen request is sent from the user terminal 102 to the server 101 in S327 of FIG. 3B. In response, the server 101 executes the processing required to generate a screen such as that shown in FIG. 10 in S328, and transmits the processing results to the user terminal 102 as screen information in S329. As a result, a screen 1000 such as that shown in FIG. 10 is displayed. The initial screen may display the previous display result as is, or no graph may be displayed.

[0119] As shown in FIG. 10 , a screen 1000 displays a currency pair 1001, a period 1002, a currency hedging period 1003, and an execute button 1004 at the top. Except for the execute button 1004, the screen is the same as the currency pair 801, period 802, and currency hedging period 803 in FIG. 8A and elsewhere. The execute button 1004 is a button for instructing the execution of a payment comparison simulation according to the conditions specified by the currency pair 1001, period 1002, currency hedging period 1003, and hedge ratio 1005. The hedge ratio 1005 can be set to any percentage between 0% and 100%, for example, in 10% increments. A hedge ratio of 100% means that the entire payment amount is hedged. However, in adaptive hedging according to this embodiment, the hedging percentage is further adjusted depending on the predicted direction of yen appreciation or depreciation.

[0120] FIG. 10 shows the results of a simulation performed when the Execute button 1004 is operated, with the currency pair set to USDJPY, the period from January to December 2023, the currency hedging period set to six months, and the hedging ratio set to 100%. Here, when the Execute button 1004 is clicked, the input to the screen 1000 is treated as the input in S330 of FIG. 3B and is sent to the server 101 in S331. The server 101 then performs a simulation under the specified conditions in S332 to generate a comparison result of the payment amount. The generated comparison result is sent from the server 101 to the user terminal 102 in S333. The user terminal 102 updates the display of the screen 1000 in S334, displaying a graph comparing the payment amount.

[0121] Screen 1000 in FIG. 10 displays a comparison graph 1006 of the adaptive hedge payment amount and the amount paid by the user for the relevant period (actual payment amount). The actual payment amount shows the cumulative total of the amount paid by the user between January and December 2023. Note that in FIG. 10, payments for January and February 2023 are omitted as they were not made. The actual payment amount includes information on when and how much in dollars were paid, and based on this information, the adaptive hedge payment amount can be calculated according to the method described in FIG. 9.

[0122] For example, if $100,000 is paid in July 2023, the $100,000 will be hedged six months prior in January 2023, subject to adaptive hedging. In this case, if the AI ​​voting ratio determines that the hedging is applied at 50%, $50,000 will be hedged, and the payment amount will be the sum of the $50,000 in January 2023 and, if no additional hedging transactions are made between February and June, the $50,000 in July 2023. Note that even after hedging six months in advance, additional hedging may occur depending on exchange rate conditions. Additional hedging is taken into account when calculating the payment amount. If the hedge is effective, the payment will be less when converted to Japanese yen. In this way, the actual payment amount is shown cumulatively by month, compared to the payment amount if adaptive hedging were applied.

[0123] The screen in Figure 10 allows you to change the hedge ratio from 0% to 100%, which can be used to determine what hedge ratio is best. The effectiveness of adaptive hedging according to this embodiment can be confirmed by comparing hedge ratios of 0% and 100%. However, there are also advantages to running a simulation by gradually changing the hedge ratio, as described below.

[0124] For example, some users may use long-term foreign exchange products (such as coupon swaps) to take advantage of the interest rate differential between Japan and the United States, which can improve prices in the short term by entering into long-term contracts. For example, a coupon swap for a monthly transaction of $100,000 for seven years can be contracted at a discount of more than 10 yen from the current dollar-yen rate. While such a contract allows for a significantly better rate in the short term than the current rate, if the yen strengthens significantly in the long term (for example, if one dollar becomes 110 yen), users will be obligated to exchange at the rate at the time of the contract until the end of the contract. To mitigate this risk, it is recommended that users use long-term foreign exchange by running simulations with a hedge ratio in 10% increments, allowing them to adjust the amount of risk (especially the amount of loss in the event of a strong yen appreciation). For long-term transactions, a ratio of, for example, 30% is often used.

[0125] <Effects of the embodiment> As described above, this embodiment makes it possible to improve efficiency in line with future exchange rate fluctuations. Specifically, based on future exchange rate trends predicted using multiple AI models, currency exchange hedging can be performed for foreign currency payments due in the future. Regarding the amount to be exchanged, for imports, in the case of a U.S. dollar-Japanese yen transaction, by exchanging an amount corresponding to the predicted probability of the yen depreciating in the future (corresponding to the first ratio described above), losses can be avoided even if the yen weakens in the future. On the other hand, for exports, by exchanging an amount corresponding to the predicted probability of the yen strengthening in the future (corresponding to the second ratio described above), losses can be avoided even if the yen strengthens in the future. In addition, a guideline can be provided for the user as to the approximate amount to exchange.

[0126] In the above-described embodiment, the exchange rate based on the first currency and the second currency is described only for the combination of the first currency and the second currency, i.e., the US dollar - the Japanese yen or the Japanese yen - the US dollar. However, the combination of the first currency and the second currency is not limited to this, and any other combination of currencies can be applied, such as the euro - the Japanese yen, the British pound - the Japanese yen, the euro - the US dollar, the euro - the British pound, the Japanese yen - the Chinese yuan, etc. In addition, other currencies that can be combined can include the Swiss franc, the Australian dollar, the Singapore dollar, the Indian rupee, the Indonesian ringgit, the Thai baht, the Philippine peso, the South Korean won, etc.

[0127] <Summary of the embodiment> The above-described embodiment discloses at least the following information processing device and computer program. (1) A server that provides information on exchange amounts between a first currency and a second currency to a user terminal, one or more processors; Memory and a program stored in the memory, the program, when executed by the one or more processors, causing the server to: A currency exchange hedging process, Obtaining a forecast for each of the AI ​​models of a future change in a predetermined exchange rate based on the first currency and the second currency using a plurality of AI models; Calculating, based on the individually predicted future trends of the predetermined exchange rates, a first ratio of the number of first AI models that predicted a change from the current exchange rate in a first direction, and a second ratio of the number of second AI models that predicted a change from the current exchange rate in a second direction opposite to the first direction, relative to the total number of the plurality of AI models; accepting a designation of a first amount in units of the second currency from the user terminal; calculating an exchange amount of the first amount to be exchanged based on the first rate or the second rate; Executing the currency exchange hedging process, including: and transmitting information on the exchange amount obtained by the exchange hedging process to the user terminal. (2) When the program is executed by the one or more processors, the program receiving, from the user terminal, a designation of a second amount in the second currency; The information on the exchange amount obtained by the exchange hedging process includes: a first exchange amount calculated for the first amount; and a second exchange amount calculated for the second amount; and The server according to (1), wherein the total amount of the first exchange amount and the second exchange amount is included. (3) The first amount is a first payment amount scheduled to be paid on a first due date; the second amount is a second payment amount due on a second due date; The server according to (2), wherein the first direction is a direction in which the value of the first currency falls relative to the value of the second currency, and the exchange amount is calculated based on the first ratio. (4) further executing receiving, from the user terminal, a hedge amount associated with at least one of the first payment amount and the second payment amount; The server according to (3), wherein the first exchange amount and the second exchange amount are amounts obtained by subtracting the hedge amount from each other. (5) When the program is executed by the one or more processors, the program generating display information for a management screen that displays, in association with the balance of an account in the second currency associated with the user terminal, and payment amounts specified and accepted from the user terminal, including the first payment amount and the second payment amount; transmitting display information of the management screen to the user terminal; and the management screen includes a display of the hedged amount associated with the balance. (6) The management screen includes information on the payment amount for which the designation has been accepted, for each due date associated with the payment amount for which the designation has been accepted; The server according to (5), wherein the display of the hedged amount includes a display of the cumulative amount of the hedged amount up to the payment date, associated with the payment date. (7) The server according to (5) or (6), wherein the balance of the account for the second currency is the total balance of the multiple bank accounts if there are multiple bank accounts for the second currency. (8) When the program is executed by the one or more processors, the server receiving, from the user terminal, a designation of an application rate for applying the first rate to the first payment amount; The server according to any one of (3) to (7), wherein calculating the exchange amount includes multiplying the first ratio by the application rate and then multiplying the result by the first payment amount. (9) The first amount is a first planned exchange amount to be exchanged on the third date, and the second amount is a second planned exchange amount to be exchanged on the fourth date; The server according to (2), wherein the second direction is a direction in which the value of the first currency increases relative to the value of the second currency, and the exchange amount is calculated based on the second ratio. (10) receiving, from the user terminal, an exchanged amount associated with at least one of the first exchange amount and the second exchange amount; The server according to (9), wherein the first exchange amount and the second exchange amount are amounts obtained by subtracting the exchanged amount. (11) The server according to (10), wherein the exchanged amount is accepted in association with the third due date of the first planned exchange amount or the fourth due date of the second planned exchange amount. (12) The program, when executed by the one or more processors, causes the server to: generating a display showing a comparison of average exchange rates of payments for a specified period, in a specified currency combination, and for a specified hedging period; Then run The display information is a first average rate indicating the average exchange rate of each payment amount during the specified period if the payment were made at the exchange rate on the payment date without hedging; and a second average rate indicating the average exchange rate of each payment amount during the specified period if the entire payment amount were converted into currency and paid the hedging period prior to the payment date; and a third average rate indicating the average exchange rate of each payment amount when at least a portion of the payment amount is converted based on the currency conversion hedge processing during the period from the payment date to the hedging period during the specified period, and the remaining payment amount that has not been converted on the payment date is paid at the exchange rate on the payment date; and The server according to any one of (1) to (11), (13) The display information is a graph showing the change in the exchange rate over the specified period; an indication of the first average rate, the second average rate, and the third average rate; The server according to (12), wherein the specified period includes a period of months or years, and the specified hedge period includes a period of months. (14) The program, when executed by the one or more processors, causes the server to: generating a display showing a comparison of the first payment amount and the second payment amount for the specified hedging period in the specified currency combination for the specified time period; the first payment amount is a payment amount paid by the user of the user terminal; The second payment amount is an expected payment amount when the payment amount paid by the user is exchanged in accordance with the exchange hedging process during the hedging period, The server according to (12), wherein the first payment amount and the second payment amount are displayed in the first currency. (15) If the third payment amount has been paid on the first payment date, The server described in (14), wherein the second payment amount is the payment amount when at least a portion of the third payment amount is converted based on the currency conversion hedging process during the period from the first payment date to the hedging period, and the remaining unconverted portion of the third payment amount on the first payment date is paid at the exchange rate on the first payment date. (16) The server according to any one of (1) to (15), wherein the first currency and the second currency include a combination of at least one different currency among the U.S. dollar, euro, Japanese yen, British pound, Chinese yuan, Swiss franc, Australian dollar, Singapore dollar, Indian rupee, Indonesian ringgit, Thai baht, Philippine peso, and South Korean won. (17) A server according to any one of (1) to (16), wherein each of the plurality of AI models is a different AI model generated by deep learning using a plurality of teacher data, at least some of which are common, and varying the individual weights of the plurality of teacher data. (18) The prediction of the future trend of the predetermined exchange rate for each AI model using the plurality of AI models includes a prediction of the trend over a predetermined period of time, The server according to any one of (1) to (17), wherein calculating the first ratio and the second ratio includes calculating the first ratio and the second ratio at any point in time during the specified period. (19) When the program is executed by the one or more processors, the server generating first display information including a graph showing the future transition predicted by at least some of the AI ​​models among the plurality of AI models; transmitting the first display information to the user terminal; Then run The first display information is A graph in which a single line showing actual changes in past exchange rates is connected to multiple lines or curves showing predicted changes in future exchange rates, with the current date as the boundary; Displaying an average value of the future trends predicted by the plurality of AI models at each of a plurality of time points within the predetermined period; and displaying the first rate and the second rate at each of the plurality of time points; and The server according to (18) includes: (20) When the program is executed by the one or more processors, the server receiving information on a hedging amount including an exchange amount from the user terminal; receiving, from the user terminal, an instruction to allocate information on the hedge amount to the first payment amount; generating a second display displaying transaction information assigned to the first payment amount; and transmitting the second display information to the user terminal. (21) The program, when executed by the one or more processors, receiving an instruction from the user terminal to deallocate the information on the hedged amount to the first payment amount; updating the second display information in response to the instruction to cancel; transmitting the updated second display information to the user terminal; Then run the second display information includes an indication that a part or all of the amount in the information on the hedged amount is allocated to the first payment amount; the second display information includes a list display of information on the hedged amount whose payment due date is before the payment date of the first payment amount, The program, when executed by the one or more processors, The server according to (20), further configured to receive an instruction for transaction information to be assigned to the first payment amount from among the transaction information displayed in the list. (22) A program for causing a computer to function as a server according to any one of (1) to (21).

[0128] [Other embodiments] The invention is not limited to the above-described embodiments, and various modifications and variations are possible within the spirit and scope of the invention. Therefore, the following claims are appended to clarify the scope of the invention. The information processing device according to the present invention can also be realized by a computer program that causes one or more computers to function as the information processing device. The computer program can be provided / distributed by being recorded on a computer-readable recording medium or via a telecommunications line. [Explanation of symbols]

[0129] 10: System, 101: Server, 102: User terminal, 103: Financial services business system, 104: Network

Claims

1. A server that provides information on an exchange amount between a first currency and a second currency to a user terminal, one or more processors; Memory and a program stored in the memory, the program, when executed by the one or more processors, causing the server to: A currency exchange hedging process, Obtaining a forecast for each of the plurality of AI models of a future change in a predetermined exchange rate based on the first currency and the second currency; Calculating, based on the individually predicted future trends of the predetermined exchange rates, a first ratio of the number of first AI models that predicted a change in a first direction from the current exchange rate and a second ratio of the number of second AI models that predicted a change in a second direction opposite to the first direction from the current exchange rate, relative to the total number of the plurality of AI models; accepting a designation of a first amount in units of the second currency from the user terminal; calculating an exchange amount of the first amount to be exchanged based on the first rate or the second rate; Executing the currency exchange hedging process, including: and transmitting information on the exchange amount obtained by the exchange hedging process to the user terminal.

2. The program, when executed by the one or more processors, receiving, from the user terminal, a designation of a second amount in the second currency; The information on the exchange amount obtained by the exchange hedging process includes: a first exchange amount calculated for the first amount; and a second exchange amount calculated for the second amount; and the sum of the first exchange amount and the second exchange amount; The server of claim 1 , comprising:

3. the first amount is a first payment amount scheduled to be paid on a first due date; the second amount is a second payment amount due on a second due date; The server according to claim 2 , wherein the first direction is a direction in which the value of the first currency falls relative to the value of the second currency, and the exchange amount is calculated based on the first ratio.

4. further receiving, from the user terminal, a hedge amount associated with at least one of the first payment amount and the second payment amount; The server according to claim 3 , wherein the first exchange amount and the second exchange amount are amounts obtained by subtracting the hedge amount from each other.

5. The program, when executed by the one or more processors, generating display information for a management screen that displays, in association with the balance of an account in the second currency associated with the user terminal, and payment amounts specified and accepted from the user terminal, including the first payment amount and the second payment amount; transmitting display information of the management screen to the user terminal; and wherein the management screen includes a display of the hedged amount associated with the balance.

6. the management screen includes information on the payment amount for each due date associated with the payment amount for which the designation has been accepted; The server of claim 5 , wherein the display of the hedged amount includes a display of the cumulative amount of the hedged amount up to the payment date, associated with the payment date.

7. The server according to claim 6 , wherein the balance of the account for the second currency is the total balance of multiple bank accounts in the case where there are multiple bank accounts for the second currency.

8. The program, when executed by the one or more processors, receiving, from the user terminal, a designation of an application rate for applying the first rate to the first payment amount; The server according to claim 7 , wherein calculating the exchange amount includes multiplying the first rate by the application rate and then multiplying the result by the first payment amount.

9. The first amount is a first planned exchange amount to be exchanged on a third date, and the second amount is a second planned exchange amount to be exchanged on a fourth date, The server according to claim 2 , wherein the second direction is a direction in which the value of the first currency increases relative to the value of the second currency, and the exchange amount is calculated based on the second ratio.

10. receiving, from the user terminal, an exchanged amount associated with at least one of the first exchange amount and the second exchange amount; The server according to claim 9 , wherein the first exchange amount and the second exchange amount are amounts obtained by subtracting the exchanged amount.

11. The server according to claim 10 , wherein the exchanged amount is accepted in association with the third due date of the first planned exchange amount or the fourth due date of the second planned exchange amount.

12. The program, when executed by the one or more processors, causes the server to: generating a display showing a comparison of average exchange rates of payments for a specified period, in a specified currency combination, and for a specified hedging period; Then run The display information is a first average rate indicating an average exchange rate of each payment amount during the specified period if the payment were made at the exchange rate on the payment date without hedging; and a second average rate indicating the average exchange rate of each payment amount during the specified period if the entire payment amount were converted into currency and paid the hedging period prior to the payment date; and a third average rate indicating an average exchange rate of each payment amount when at least a portion of the payment amount is converted based on the currency conversion hedge processing during the period from the payment date to the hedging period during the specified period, and the remaining payment amount that has not been converted on the payment date is paid at the exchange rate on the payment date; and The server of claim 5 , comprising:

13. The display information is a graph showing the change in the exchange rate over the specified period; an indication of the first average rate, the second average rate, and the third average rate; and 13. The server of claim 12, wherein the specified time period comprises a period of months or years, and the specified hedge period comprises a period of months.

14. The program, when executed by the one or more processors, causes the server to: generating a display showing a comparison of the first payment amount and the second payment amount for a specified hedging period in a specified currency combination for a specified time period; the first payment amount is a payment amount paid by a user of the user terminal; the second payment amount is an expected payment amount when the payment amount paid by the user is paid by performing currency exchange in accordance with the currency exchange hedging process during the hedging period, 13. The server of claim 12, wherein the first payment amount and the second payment amount are expressed in the first currency.

15. If the third payment amount has been paid on the first payment date, The server of claim 14, wherein the second payment amount is the payment amount when at least a portion of the third payment amount is converted based on the currency conversion hedging process during the period from the first payment date to the hedging period, and the remaining unconverted portion of the third payment amount on the first payment date is paid at the exchange rate on the first payment date.

16. 16. The server of claim 15, wherein the first currency and the second currency include at least any combination of different currencies from the following: United States dollar, euro, Japanese yen, British pound, Chinese yuan, Swiss franc, Australian dollar, Singapore dollar, Indian rupee, Indonesian ringgit, Thai baht, Philippine peso, and South Korean won.

17. The server of claim 16, wherein each of the plurality of AI models is a different AI model generated by deep learning using a plurality of teacher data, at least some of which are common, and varying the individual weights of the plurality of teacher data.

18. A program for causing a computer to function as the server according to any one of claims 1 to 17.

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