Information processing apparatus, information processing method, program, and information processing system

Abstract

To enable a holder who holds a financial product to purchase the financial product when the price of the financial product falls.SOLUTION: An information processing apparatus 1 of an embodiment has: a storage unit 12 that stores a financial portfolio including a constitutional financial product in association with a user; a setting receiving unit 131 that receives, from the user, a set purchase price used for determination of a purchase price of an additional financial product that is a constitutional financial product to be purchased when the price of the constitutional product falls by a predetermined falling range or more; and a purchase determination unit 134 that, when the latest price of a target financial product, which is a constitutional financial product included in the financial portfolio associated with a target user, falls by the predetermined falling range or more, compared to a reference price of the target financial product at the past reference time point, determines purchasing of the additional financial product at a price based on the set purchase price received by the setting receiving unit 131.SELECTED DRAWING: Figure 3

Description

[Technical Field]

[0001] The present invention relates to an information processing device, an information processing method, a program, and an information processing system for supporting the management of financial products. [Background technology]

[0002] A technology is known that accepts specification of variable conditions, such as how much the dividend amount or investment yield must fall or rise to halt or start withdrawal, and executes financial transactions based on the specified variable conditions (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 4586185 Summary of the Invention [Problem to be solved by the invention]

[0004] In investing, if you can purchase additional financial products such as stocks and bonds when the value of the financial products you own falls, you will make a profit if the value of the financial products rises later. However, human psychology makes it difficult to purchase additional financial products when the value of a financial product falls, and people tend to sell the financial product instead.

[0005] The present invention has been made in consideration of these points, and aims to enable holders of financial products to purchase those products when the price of those products falls. [Means for solving the problem]

[0006] An information processing device according to a first aspect of the present invention comprises a memory unit that stores a financial portfolio including constituent financial products in association with a user; a setting reception unit that receives from the user a set purchase amount to be used to determine the purchase amount of additional financial products, which are constituent financial products, to be purchased when the prices of the constituent financial products fall by more than a predetermined decline amount; and a purchase decision unit that determines to purchase the additional financial products in an amount based on the set purchase amount received by the setting reception unit when the latest price of a target financial product, which is a constituent financial product included in the financial portfolio associated with the target user, falls by more than the predetermined decline amount compared to the base price of the target financial product at a past reference point.

[0007] The past reference point may be the point at which the price of the target financial product was at its highest price since the decision to purchase the additional financial product was made in the past.

[0008] The financial portfolio may include a plurality of the constituent financial instruments, and the specified decline amount may be set for each of the plurality of constituent financial instruments, the setting acceptance unit may accept the set purchase amount for each of the plurality of constituent financial instruments from the user, and the purchase decision unit may decide to purchase the additional financial instrument in an amount based on the set purchase amount set by the target user for the first target financial instrument when the latest price of a first target financial instrument among the plurality of constituent financial instruments falls by more than the specified decline amount set for the first target financial instrument compared to the base price of the first target financial instrument at the past base point.

[0009] The setting receiving unit may further receive the predetermined decrease width from the user.

[0010] The setting acceptance unit may accept multiple combinations of the specified decline amount and the set purchase amount from the user, the memory unit may store the multiple combinations in association with the user, and the purchase decision unit may decide to purchase the additional financial product in an amount based on the specified decline amount and the set purchase amount stored in the memory unit in association with the target user when the latest price of the target financial product falls by more than the specified decline amount set by the target user compared to the base price of the target financial product at a past reference point.

[0011] The purchase decision unit may decide to purchase the additional financial product in an amount greater than the set purchase amount set by the target user if the number of times the price of the target financial product has fallen by more than the specified decline amount during a specified period prior to the past reference point is equal to or greater than a threshold, and if, after the specified period has elapsed, the latest price of the target financial product has fallen by more than the specified decline amount compared to the reference price of the target financial product at the past reference point.

[0012] The purchase decision unit may decide to purchase the additional financial product in an amount based on the set purchase amount set by the target user if the number of times the price of the target financial product has fallen by more than the specified decline amount during a specified period prior to the past reference point is equal to or greater than a threshold, and if, after the specified period has elapsed, the latest price of the target financial product has fallen by more than a decline amount that is smaller than the specified decline amount compared to the reference price of the target financial product at the past reference point.

[0013] The setting acceptance unit may accept the set purchase amount from the user for each investment objective for managing the constituent financial products, and the purchase decision unit may decide to purchase the additional financial product in an amount based on the set purchase amount stored in the memory unit in association with the investment objective of the target financial product when the latest price of the target financial product falls by more than the specified decline compared to the reference price of the target financial product at the past reference point.

[0014] The setting reception unit may receive from the user an investment policy for dividends obtained through the management of the constituent financial products, and the information processing device may further have a dividend processing unit that, when dividends are generated, decides to use the generated dividends to purchase the constituent financial products or to deposit the generated dividends into the target user's account based on the investment policy set by the target user.

[0015] An information processing method according to a second aspect of the present invention is an information processing method executed by a computer having a memory unit that stores a financial portfolio including constituent financial instruments in association with a user, and includes a setting acceptance step of accepting from the user a set purchase amount to be used to determine the purchase amount of additional financial instruments, which are constituent financial instruments, to be purchased when the prices of the constituent financial instruments fall by more than a predetermined decline amount, and a purchase decision step of deciding to purchase the additional financial instruments in an amount based on the set purchase amount accepted in the setting acceptance step when the latest price of the target financial instruments, which are constituent financial instruments included in the financial portfolio associated with the target user, falls by more than the predetermined decline amount compared to the base price of the target financial instruments at a past reference point.

[0016] A program according to a third aspect of the present invention causes a processor of an information processing device having a memory unit that stores a financial portfolio including constituent financial instruments in association with a user to function as a setting acceptance unit that accepts from a user a set purchase amount used to determine the purchase amount of additional financial instruments, which are constituent financial instruments, to be purchased when the prices of the constituent financial instruments fall by more than a predetermined decline amount, and a purchase decision unit that decides to purchase the additional financial instruments in an amount based on the set purchase amount accepted by the setting acceptance unit when the latest price of a target financial instrument, which is a constituent financial instrument included in the financial portfolio associated with the target user, falls by more than the predetermined decline amount compared to the base price of the target financial instrument at a past reference point.

[0017] An information processing system according to a fourth aspect of the present invention comprises an information processing device having a memory unit that stores a financial portfolio including constituent financial instruments in association with a user, and an information terminal capable of communicating with the information processing device. The information processing device has a setting acceptance unit that accepts from the user a set purchase amount used to determine the purchase amount of additional financial instruments, which are constituent financial instruments, to be purchased when the price of the constituent financial instruments falls by more than a predetermined decline amount, and a purchase decision unit that decides to purchase the additional financial instruments in an amount based on the set purchase amount accepted by the setting acceptance unit when the latest price of a target financial instrument, which is a constituent financial instrument included in the financial portfolio associated with the target user, falls by more than the predetermined decline amount compared to the base price of the target financial instrument at a past reference point. The information terminal has a terminal communication unit that transmits information indicating the set purchase amount set by the user to the information processing device and receives purchase notification information indicating that the purchase decision unit has purchased the additional financial instruments, and a display unit that displays information indicating the purchase amount of the additional financial instruments when the terminal communication unit receives the purchase notification information. [Effects of the Invention]

[0018] According to the present invention, when the price of a financial product falls, the holder of the financial product can purchase the financial product. [Brief explanation of the drawings]

[0019] [Figure 1] FIG. 1 is a diagram showing a configuration of an information processing system S. [Figure 2] 10 is a graph for explaining conditions for additionally purchasing financial products when prices fall. [Figure 3] 1 is a diagram illustrating a configuration of an information processing device 1. FIG. [Figure 4] FIG. 10 is a diagram illustrating an example of portfolio-specific purchase amount data. [Figure 5] FIG. 10 is a diagram illustrating an example of purchase amount data by product. [Figure 6] FIG. 10 is a diagram showing an example of purchase amount data by decline range. [Figure 7] FIG. 10 is a diagram illustrating an example of purpose-specific purchase amount data. [Figure 8] 10 is another graph for explaining the conditions for additionally purchasing financial products when prices fall. [Figure 9] FIG. 2 is a diagram showing the configuration of an information terminal 2. [Figure 10] 3 is a flowchart showing the flow of processing in the information processing device 1. [Figure 11] 10 is a flowchart showing the flow of a purchase amount determination process. DETAILED DESCRIPTION OF THE INVENTION

[0020] [Outline of Information Processing System S] An overview of an information processing system S according to this embodiment will be described using Figures 1 and 2. Figure 1 is a diagram showing an overview of the operation of the information processing system S. The information processing system S includes an information processing device 1 and an information terminal 2. The information processing system S may also include other devices such as a server and a terminal.

[0021] In recent years, the importance of investment has increased. Although the prices of financial products fluctuate daily, if a holder of a financial product, such as a stock or bond, can purchase additional financial products when the value of the product he or she owns falls, he or she can make a profit when the value of the financial product later rises. However, human psychology makes it difficult to purchase additional financial products when the value of the financial product falls, and people tend to sell the financial product instead. Therefore, when the price of a financial product falls by more than a predetermined amount, the information processing device 1 executes a process to purchase the financial product for the purchase amount set by a pre-registered user.

[0022] The information processing device 1 is a computer such as a server that purchases financial products when their prices fall. The information processing device 1 is connected to a plurality of information terminals 2 via a communication network such as the Internet. The information terminals 2 are information terminals used by users. The information terminals 2 may be portable terminals such as smartphones or tablet personal computers, or may be stationary terminals such as desktop personal computers.

[0023] 1 and 2, an overview of the processing executed by the information processing device 1 will be described. The information terminal 2 accepts from the user a setting of the purchase amount of a financial product to be purchased when the price of the financial product falls by a predetermined amount or more. The information terminal 2 transmits information indicating the set purchase amount to the information processing device 1.

[0024] The external server 3 is a server that provides price information of financial products. The external server 3 periodically transmits the price information of financial products to the information processing device 1. The information processing device 1 refers to the received price information to identify the highest price and the latest price of the financial product. If the financial product has not been purchased at a time when the price of the financial product has fallen by more than a predetermined amount after the user is registered with the information processing device 1, the highest price is the price at which the price of the financial product has reached its highest since the user is registered with the information processing device 1. If the financial product has been purchased at a time when the price of the financial product has fallen by more than a predetermined amount, the highest price is the price at which the price of the financial product has reached its highest since the most recent time when the financial product was purchased following a price drop.

[0025] Figure 2 is a graph for explaining the conditions for additionally purchasing financial products when prices fall. In Figure 2, the horizontal axis indicates the date, and the vertical axis indicates the price of the financial product. The information processing device 1 decides to purchase the financial product for the received set purchase amount when the identified latest price falls by a predetermined amount or more compared to the identified highest price. For example, as shown in Figure 2, the information processing device 1 decides to purchase the financial product for the received set purchase amount when the price of the financial product at the latest time point P2 falls by 10% or more compared to the price of the financial product at time point P1 when the financial product recorded its highest price.

[0026] Returning to Figure 1, when the information processing device 1 decides to purchase a financial product, it transmits purchase notification information indicating that the financial product has been purchased and the purchase amount of the financial product to the information terminal 2. The information terminal 2 receives the purchase notification information and displays information indicating the purchase amount. This allows the user to know that the financial product has been automatically purchased due to a drop in its price, and the purchase amount of the financial product.

[0027] In this way, the information processing device 1 purchases a financial product when its price falls, so that the user does not have to decide to sell the financial product or wait without purchasing it when its price falls, and as a result, the user can efficiently increase his / her assets.

[0028] [Configuration of information processing device 1] The following describes the configuration of the information processing device 1. Fig. 3 is a diagram showing an example of the configuration of the information processing device 1. The information processing device 1 includes a device communication unit 11, a storage unit 12, and a control unit 13. The control unit 13 includes a setting reception unit 131, a price acquisition unit 132, a base price setting unit 133, a purchase decision unit 134, and a dividend processing unit 135.

[0029] The device communication unit 11 is a communication interface for communicating with the information terminal 2 and the external server 3 via a communication network such as the Internet. The device communication unit 11 inputs information indicating the set purchase amount received from the information terminal 2 to the setting reception unit 131. The device communication unit 11 inputs price information of the financial product received from the external server 3 to the price acquisition unit 132. The device communication unit 11 transmits purchase notification information input from the purchase decision unit 134 to the information terminal 2.

[0030] The memory unit 12 is a storage medium including a ROM (Read Only Memory), a RAM (Random Access Memory), etc. The memory unit 12 stores a program executed by the control unit 13. For example, the memory unit 12 stores an information processing program that causes the control unit 13 to function as a setting reception unit 131, a price acquisition unit 132, a base price setting unit 133, a purchase decision unit 134, and a dividend processing unit 135. The memory unit 12 stores purchase amount data by portfolio, purchase amount data by product, purchase amount data by decline range, and purchase amount data by purpose.

[0031] 4 is a diagram showing an example of portfolio-specific purchase amount data. Portfolio-specific purchase amount data is data for managing set purchase amounts for each financial portfolio. A financial portfolio includes constituent financial products. The constituent financial products are, for example, stocks, bonds, real estate, futures, REITs, FX, foreign currency, or virtual currency.

[0032] The portfolio-specific purchase amount data associates a user ID, a type of financial portfolio, a financial portfolio ID, a composition ratio, a predetermined decline range, a set purchase amount, a deposit, an investment purpose, and a distribution investment policy. Although not shown in FIG. 4, the portfolio-specific purchase amount data may further associate an asset management period, an initial investment amount, a target amount, notes on the account, and an asset management period. The asset management period may be the length of the period for which assets are managed, or may be the year and month at the end of the asset management period.

[0033] The user ID is information (e.g., text data) for identifying the user. The financial portfolio ID is information for identifying the financial portfolio. The composition ratio is the target value for the ratio of the holding amount of each of the constituent financial products that make up the financial portfolio. The information processing device 1 executes the process of selling or purchasing the constituent financial products so that the holding amount of each of the constituent financial products approaches the composition ratio.

[0034] The predetermined range of decline is the range of decline in the price of a financial product that serves as a basis for additional purchases of constituent financial products. The range of decline is, for example, the percentage (%) of the amount of decline relative to the highest price since the previous purchase of the financial product, or the amount of decline relative to the highest price since the previous purchase of the financial product. The predetermined range of decline may be set by the administrator of the information processing device 1, or may be set individually by each user.

[0035] The set purchase amount is the amount used to determine the purchase amount of the additional financial instruments, which are constituent financial instruments, to be purchased when the price of the constituent financial instruments falls by more than a predetermined amount. The set purchase amount may be the purchase amount of the additional financial instruments themselves, or an adjustment amount to determine the purchase amount by adding it to the base purchase amount, which is the standard purchase amount. The base purchase amount may be an amount determined in advance, or may be a purchase amount determined provisionally. The data shown in Figures 4 to 7 are examples of data when the set purchase amount is the purchase amount of the additional financial instruments themselves.

[0036] The deposit is the amount of money that the user has deposited with the business operator that manages the information processing device 1 as the amount to be used when purchasing additional financial products. If the set purchase amount is the purchase amount of the additional financial product itself, the user is required to deposit a deposit of an amount equal to or greater than the set purchase amount.

[0037] The investment objective is the investment objective for managing the constituent financial products. Examples of investment objectives include retirement funds, education funds, housing expenses, or emergency preparedness. The distribution investment policy is the investment policy for the dividends obtained through the management of the constituent financial products. The distribution investment policy is a purchase policy indicating that the dividends generated will be used to purchase constituent financial products, or a transfer policy indicating that the dividends generated will be transferred to the user's account. An example of a purchase policy is "reinvest in dollars." An example of a transfer policy is "automatically withdraw (yen) to a bank account" or "place in dollars in the main account."

[0038] In this way, the storage unit 12 stores the constituent financial products in association with the investment objectives. This allows the user to check the investment objectives (e.g., to save for a child's education) corresponding to the constituent financial products as needed. By visualizing the asset management objectives, the probability that the user will cancel the contracts for the constituent financial products midway is reduced, enabling long-term asset management to achieve the objectives.

[0039] FIG. 5 is a diagram showing an example of purchase amount data by product. The purchase amount data by product is data for managing the set purchase amount for each constituent financial product when a financial portfolio includes multiple constituent financial products. The purchase amount data by product associates a financial portfolio ID, constituent financial products, a specified decline range, and a set purchase amount. Multiple constituent financial products are set for each financial portfolio. A combination of a specified decline range and a set purchase amount is set for each of the multiple constituent financial products.

[0040] FIG. 6 is a diagram showing an example of purchase amount data by decline range. The purchase amount data by decline range is data for managing set purchase amounts by predetermined decline range. In the purchase amount data by decline range, a user ID, a predetermined decline range, and a set purchase amount are associated with each other. Multiple combinations of predetermined decline range and set purchase amount are set for each user.

[0041] FIG. 7 is a diagram showing an example of the purpose-specific purchase amount data. The purpose-specific purchase amount data is data for managing set purchase amounts for each investment purpose of the constituent financial products. In the purpose-specific purchase amount data, a user ID, an investment purpose, and a set purchase amount are associated with each other. Multiple combinations of investment purpose and set purchase amount are set for each user.

[0042] Although not shown, a set purchase amount may be set for each combination of at least two of the constituent financial products, the predetermined decline amount, the investment objective of the constituent financial products, and the number of times in the past that the price of the financial product has fallen by more than the predetermined decline amount. As an example, the set purchase amount may be set as follows: "If the constituent financial product is Stock A, the predetermined decline amount is 10%, the investment objective is retirement funds, and the number of times in the past that the price has fallen is five or more times, the set purchase amount will be 200,000 yen."

[0043] The control unit 13 is, for example, a CPU (Central Processing Unit). The control unit 13 executes an information processing program stored in the storage unit 12, thereby functioning as a setting reception unit 131, a price acquisition unit 132, a base price setting unit 133, a purchase decision unit 134, and a dividend processing unit 135.

[0044] The setting reception unit 131 receives from the user a set purchase amount used to determine the purchase amount of additional financial products. The setting reception unit 131 receives from the user, for example, a predetermined decline range, the investment objective of the constituent financial products, and the investment policy for dividends obtained through the investment of the constituent financial products. The setting reception unit 131 may also receive from the user an asset management period, an initial investment amount, a target amount, and a deposit. The setting reception unit 131 may associate this received information with a financial portfolio ID and store it in the storage unit 12 as portfolio-specific purchase amount data.

[0045] The setting reception unit 131 may receive from the user a set purchase amount for each of the plurality of component financial products. The setting reception unit 131 may associate the received set purchase amount with the component financial products and a predetermined decline amount, and store the received set purchase amount in the storage unit 12 as product-specific purchase amount data. The setting reception unit 131 may receive from the user an adjustment amount for determining the purchase amount based on the base purchase amount as the set purchase amount.

[0046] The setting receiving unit 131 may output a relatively high predetermined decline range as the recommended setting value for financial products with relatively large price fluctuations. Also, the setting receiving unit 131 may output a relatively high set purchase amount as the recommended setting value for financial products with a relatively large proportion of the amount to the total amount of the financial portfolio. This makes it easier for the user to keep the amount that each component financial product accounts for in the total amount of the financial portfolio constant, enabling stable asset management.

[0047] The setting receiving unit 131 may receive a plurality of combinations of a predetermined decline range and a set purchase amount from the user. The setting receiving unit 131 may associate the received plurality of combinations of a predetermined decline range and a set purchase amount with the user and store them in the storage unit 12 as purchase amount data by decline range.

[0048] The setting receiving unit 131 may receive a set purchase amount from the user for each investment purpose. The setting receiving unit 131 may associate the received set purchase amount with the user and the investment purpose and store it in the storage unit 12 as purchase amount data by purpose.

[0049] The price acquisition unit 132 periodically transmits a signal requesting the provision of price information of financial products to the external server 3. Upon receiving the signal, the external server 3 transmits the price information of the financial products to the information processing device 1. The price acquisition unit 132 receives the transmitted price information of the financial products and thereby acquires the price information of the financial products.

[0050] The base price setting unit 133 sets a base price by referring to the price information acquired by the price acquisition unit 132. The base price is a price that serves as a reference when calculating the range of price decline of a financial product. The base price is, for example, the highest price at which the price of a financial product reached its highest point during a specified period, or a price set by the user.

[0051] The purchase decision unit 134 may refer to the price information acquired by the base price setting unit 133 to determine the latest price of the target financial product at the latest point in time. Alternatively, the purchase decision unit 134 may refer to the price information acquired by the base price setting unit 133 to determine the point in time at which the price of the target financial product was at its highest price as the base time, and determine the price of the target financial product at the determined base time as the base price. The base price is also updated as the highest price changes.

[0052] When the latest price of a target financial product, which is a constituent financial product included in a financial portfolio associated with the target user, falls by a predetermined amount or more compared to the reference price of the target financial product at a past reference point in time, the purchase decision unit 134 decides to purchase additional financial products in an amount based on the set purchase amount accepted by the setting acceptance unit 131. The purchase decision unit 134, for example, refers to the portfolio-specific purchase amount data shown in Fig. 4 to identify the financial portfolio associated with the target user, and identifies the constituent financial products included in the identified financial portfolio as the target financial products.

[0053] 2, when the amount of decline obtained by subtracting the latest price at the latest time point P2 from the base price at the base time point P1 is equal to or greater than a predetermined amount of decline, the purchase decision unit 134 may decide to purchase additional financial products in an amount based on the set purchase amount accepted by the setting acceptance unit 131. This allows the user to purchase financial products when the price of the financial products declines, thereby enabling the user to make a profit when the value of the financial products rises later.

[0054] When a financial portfolio includes multiple component financial instruments, the purchase decision unit 134 may specify the average or median of the base prices of each of the multiple component financial instruments as the base price used to calculate the decline range. Also, when a financial portfolio includes multiple component financial instruments, the purchase decision unit 134 may specify the average or median of the latest prices of each of the multiple component financial instruments as the latest price used to calculate the decline range.

[0055] If the purchase amount of the additional financial product itself is set as the set purchase amount, the purchase determination unit 134 may determine the set purchase amount as the purchase amount of the additional financial product.If an adjustment amount is set as the set purchase amount to calculate the purchase amount by adding it to the base purchase amount, the purchase determination unit 134 may determine the amount obtained by adding the set purchase amount to the base purchase amount as the purchase amount of the additional financial product.Details of the process of determining the purchase amount using the adjustment amount will be described later.

[0056] As mentioned above, the user deposits a deposit to be used when purchasing additional financial products, but there are cases where the deposit is insufficient. Therefore, if the amount of the deposit is less than the decided purchase amount of the additional financial products, the purchase decision unit 134 may send a notice to the user's information terminal 2 indicating that the deposit is insufficient. This allows the user to quickly increase the deposit, and as a result, avoid missing the opportunity to purchase the additional financial products.

[0057] When a financial portfolio includes multiple component financial instruments, the purchase decision unit 134 may decide to purchase additional financial instruments at a predetermined decline amount and set purchase amount for each component financial instrument. That is, when the latest price of a first target financial instrument among the multiple component financial instruments falls by more than the predetermined decline amount set for the first target financial instrument compared to the base price of the first target financial instrument at a past reference point, the purchase decision unit 134 may decide to purchase additional financial instruments in an amount based on the set purchase amount set for the first target financial instrument by the target user. The purchase decision unit 134 may refer to the product-specific purchase amount data shown in FIG. 5 and identify the predetermined decline amount and set purchase amount associated with the first target financial instrument as the decline amount and set purchase amount set for the first target financial instrument, respectively.

[0058] By being able to set the predetermined decline range and set purchase amount for each component financial product in this way, the user can set a higher predetermined decline range for component financial products with larger price fluctuations and a higher set purchase amount for component financial products that account for a higher proportion of the total amount of the financial portfolio. As a result, the user can more easily maintain a constant amount that each component financial product accounts for in the total amount of the financial portfolio, enabling stable asset management.

[0059] When a different set purchase amount is set for each of a plurality of decline ranges, if the latest price of the target financial product falls by more than the decline range set by the target user compared to the base price of the target financial product at a past reference time, the purchase decision unit 134 may decide to purchase additional financial products in an amount based on the specified decline range and the set purchase amount associated with the target user and stored in the storage unit 12. The purchase decision unit 134 may refer to the purchase amount data by decline range shown in Fig. 6 and specify the specified decline range that is closest to the current decline range among the specified decline ranges equal to or less than the current decline range obtained by subtracting the latest price from the base price, as the set purchase amount associated with the set decline range and the target user and stored in the storage unit 12.

[0060] By allowing a user to set different purchase amounts for each of the multiple decline ranges, the user can set a higher purchase amount for a larger predetermined decline range, and as a result, even if a large loss occurs due to a significant decline in the price of a financial product, the user can purchase additional financial products in the amount necessary to cover the loss.

[0061] In the case where a different set purchase amount is set for each investment objective of the constituent financial products, when the latest price of the target financial product falls by more than a predetermined amount compared to the reference price of the target financial product at a past reference point, the purchase decision unit 134 may decide to purchase additional financial products in an amount based on the set purchase amount associated with the investment objective of the target financial product and stored in the storage unit 12. The purchase decision unit 134 may refer to the purchase amount data by objective shown in Figure 7 and identify the set purchase amount associated with the investment objective of the target financial product as the set purchase amount associated with the investment objective of the target financial product and stored in the storage unit 12.

[0062] By separating the accounts for managing the user's assets for each investment purpose and setting a higher set purchase amount for the more important investment purpose, the user can reduce the probability of a situation where there are not enough assets when using the assets for the more important investment purpose.

[0063] However, there are cases where a user purchases an additional financial product due to a drop in the price of the financial product, and then the price of the financial product further drops. In this case, the following problems arise.

[0064] For example, suppose the base point at which the price of a financial product reached its highest price was August 1st, and the point at which it fell by more than the specified decline was August 3rd. If the price continued to fall slightly after August 3rd, even if the decline on August 5th is less than the specified decline compared to August 3rd, the financial product would still be purchased on August 5th because it has fallen by more than the specified decline compared to the base point of August 1st. In other words, if the base point at which the price of a financial product reached its highest price is not updated, when the financial price falls slightly from the point at which it fell by more than the specified decline, the financial product would be purchased even though it should not have been purchased, which is inappropriate.

[0065] Therefore, the purchase decision unit 134 may set the past reference point as the point at which the price of the target financial product was at its highest price since the decision to purchase an additional financial product was made in the past. Figure 8 is another graph for explaining the conditions for purchasing an additional financial product when the price falls. P2 is the point at which the price of the financial product fell by more than a predetermined amount in the past (i.e., the point at which the decision to purchase an additional financial product was made in the past). The reference price setting unit 133 monitors the price of the financial product in the period after P2, and identifies P3, the point at which the price of the financial product was at its highest price in the period after P2, as the new reference point. Then, the purchase decision unit 134 decides to purchase the financial product when the price of the financial product at P4, the latest point in time, has fallen by more than a predetermined amount compared to the price of the financial product at P3, the new reference point in time.

[0066] In this way, when the price of a financial product falls by more than a predetermined amount, the time when the price of the financial product reached its highest price after the fall is set as the new reference time, thereby preventing the user from purchasing the financial product at a time when they should not buy it. In the example of Figure 8, if the price of the financial product continues to fall in the period after P2 and a second fall time arrives when the price of the financial product falls by more than a predetermined amount compared to the price of the financial product at P2, the purchase decision unit 134 may decide to purchase the financial product at the second fall time.

[0067] Incidentally, if the price of a financial product has fallen by more than a predetermined amount in the past (especially if this has happened multiple times), the user may want to increase the purchase amount of the financial product the next time it falls in order to recover their losses. Therefore, the purchase decision unit 134 may increase the purchase amount of the additional financial product when the number of times the price of the target financial product has fallen by more than a predetermined amount during a predetermined period prior to the past reference point is equal to or greater than a threshold value, compared to when the number of times is less than the threshold value. For example, when the number of times the price of the target financial product has fallen by more than a predetermined amount is equal to or greater than a threshold value, and the latest price of the target financial product after the predetermined period has elapsed falls by more than a predetermined amount compared to the reference price of the target financial product at the past reference point, the purchase decision unit 134 decides to purchase the additional financial product in an amount greater than the set purchase amount set by the target user.

[0068] In this way, by the purchase decision unit 134 deciding to purchase additional financial products in an amount greater than the set purchase amount, the probability that the user will be able to recover past losses when the price of the purchased additional financial products rises increases. The purchase decision unit 134 may decide to purchase a larger amount of additional financial products when the price falls after the predetermined period has elapsed, the larger the amount of loss in the predetermined period prior to the past reference point in time.

[0069] Furthermore, if the price of a financial product has fallen by more than a predetermined amount in the past (especially if this has happened multiple times), the user may want to set a smaller predetermined amount of decline for the next decline in order to make it easier to recover losses. Therefore, the purchase decision unit 134 may decide to purchase additional financial products in an amount based on the set purchase amount if the number of times the price of the target financial product has fallen by more than a predetermined amount of decline during a predetermined period prior to the past reference point is equal to or greater than a threshold. For example, if the number of times the price of the target financial product has fallen by more than a predetermined amount of decline is equal to or greater than a threshold, and the latest price of the target financial product after the predetermined period has elapsed falls by more than a smaller amount than the predetermined amount of decline compared to the base price of the target financial product at the past reference point, the purchase decision unit 134 decides to purchase additional financial products in an amount based on the set purchase amount set by the target user.

[0070] In this way, the purchase decision unit 134 decides to purchase additional financial products when the price falls by a smaller amount than the predetermined decline amount, thereby increasing the opportunities to purchase additional financial products. As a result, the probability that the user can recover past losses increases. The purchase decision unit 134 may set a smaller decline amount as the reference for purchasing additional financial products, the greater the amount of loss in the predetermined period prior to the past reference point in time.

[0071] Incidentally, dividends may be generated through the management of constituent financial products. When dividends are generated, the dividend processing unit 135 determines whether to use the generated dividends to purchase constituent financial products or to transfer the generated dividends to the target user's account, based on the management policy set by the target user. The dividend processing unit 135, for example, allocates the generated dividends proportionally so that the ratio between the amount used to purchase constituent financial products and the amount transferred to the target user's account is the ratio set by the target user.

[0072] In this way, the dividend processing unit 135 processes the dividend generated based on the investment policy set by the target user, so that the user does not need to decide how to handle the dividend generated each time, which reduces the burden of asset management.

[0073] [Configuration of Information Terminal 2] The following describes the configuration of the information terminal 2. Fig. 9 is a diagram showing an example of the configuration of the information terminal 2. The information terminal 2 includes a terminal communication unit 21, a display unit 22, a storage unit 23, and a control unit 24. The control unit 24 includes a display processing unit 241 and an input receiving unit 242.

[0074] The terminal communication unit 21 is a communication interface for communicating with the information processing device 1 via a communication network such as the Internet. The terminal communication unit 21 transmits information indicating the set purchase amount input from the input receiving unit 242 to the information processing device 1. The terminal communication unit 21 inputs the purchase notification information received from the information processing device 1 to the display processing unit 241.

[0075] The display unit 22 is configured by, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display. The display unit 22 displays various information under the control of the display processing unit 241. The display unit 22 displays, for example, a screen for inputting a set purchase amount. When the terminal communication unit 21 receives purchase notification information, the display unit 22 may display information indicating the purchase amount of the financial product.

[0076] The storage unit 23 is a storage medium including a ROM, a RAM, etc. The storage unit 23 stores a program executed by the control unit 24. For example, the storage unit 23 stores a program that causes the control unit 24 to function as a display processing unit 241 and an input receiving unit 242.

[0077] The control unit 24 is, for example, a CPU. The control unit 24 executes a program stored in the storage unit 23, thereby functioning as a display processing unit 241 and an input receiving unit 242.

[0078] The display processing unit 241 displays various types of information on the display unit 22. The display processing unit 241 displays a screen for inputting a set purchase amount on the display unit 22. When the terminal communication unit 21 receives purchase notification information, the display processing unit 241 may display information indicating the purchase amount of the financial product on the display unit 22.

[0079] The input receiving unit 242 receives an input of a set purchase amount from the user, and transmits the input set purchase amount to the information processing device 1 via the terminal communication unit 21.

[0080] [Processing flow in information processing device 1] 10 is a flowchart showing the processing flow in the information processing device 1.

[0081] The setting reception unit 131 receives from the user via the information terminal 2 a set purchase amount used to determine the purchase amount of an additional financial product to be purchased when the price of the financial product falls by more than a predetermined amount (S1). The price acquisition unit 132 acquires price information of the financial product by receiving price information of the financial product periodically transmitted from the external server 3 that provides price information of the financial product (S2).

[0082] The base price setting unit 133 determines whether a base price to be used in calculating the range of decline has been set (S3). If the base price setting unit 133 determines that a base price has not been set (S3: NO), it sets, for example, the highest price among multiple past prices indicated by the price information acquired in S2 as the base price (S4).

[0083] If the base price setting unit 133 determines that a base price has been set (S3: YES), or if the base price setting unit 133 has set a base price (S4), the purchase decision unit 134 determines whether the decline amount obtained by subtracting the latest price of the financial product from the base price is equal to or greater than a predetermined decline amount (S5).

[0084] If the purchase decision unit 134 determines that the decline is not greater than the predetermined decline (S5: NO), the base price setting unit 133 determines whether the latest price of the financial product, which is updated from time to time thereafter, is greater than the base price set in step S4 (S6).

[0085] If the base price setting unit 133 determines that the latest price of the financial product is higher than the base price (S6: YES), it updates the base price to the latest price of the financial product (S7).

[0086] If the base price setting unit 133 determines that the latest price of the financial product is equal to or lower than the base price (S6: NO), or if the base price setting unit 133 updates the base price (S7), the process returns to step S2. Then, the purchase decision unit 134 again determines whether the decline is equal to or greater than the predetermined decline (S5).

[0087] If the purchase decision unit 134 determines that the decline is equal to or greater than the predetermined decline (S5: YES), the purchase decision unit 134 determines the purchase amount of the financial product based on the set purchase amount received in step S1 (S8). The purchase amount determination process will be described in detail later. The purchase decision unit 134 decides to purchase the financial product for the purchase amount determined in step S8 (S9).

[0088] When the purchase decision unit 134 decides to purchase the financial product, the base price setting unit 133 updates the base price to the price of the financial product at the time of purchase (S10). The control unit 13 determines whether the contract for the financial product has been cancelled (S11).

[0089] If the control unit 13 determines that the contract for the financial product has been cancelled (S11: YES), the process ends because there is no longer any need to monitor the price of the financial product. On the other hand, if the control unit 13 determines that the contract for the financial product has not been cancelled (S11: NO), the process returns to step S2.

[0090] [Purchase price determination process flow] Next, the flow of the purchase amount determination process will be described with reference to the flowchart of FIG.

[0091] The purchase decision unit 134 identifies a set purchase amount corresponding to the range of decline, for example, by referring to the purchase amount data by range of decline shown in Figure 6, and decides the identified set purchase amount as a provisional additional purchase amount (hereinafter referred to as "provisional purchase amount") (S81). The provisional purchase amount is an example of the above-mentioned reference purchase amount.

[0092] Next, the purchase decision unit 134 determines whether the number of past declines in the price of the financial product that are equal to or greater than a predetermined decline amount is equal to or greater than a predetermined threshold (S82). If the purchase decision unit 134 determines that the number of declines is equal to or greater than the predetermined threshold (S82: YES), the purchase decision unit 134 updates the provisional purchase amount by, for example, identifying an adjustment amount stored in the storage unit 12 in association with the number of declines and adding the identified adjustment amount to the provisional purchase amount (S83).

[0093] When the purchase decision unit 134 determines that the number of declines is not equal to or greater than a predetermined threshold (S82: NO) or when the provisional purchase amount is updated (S83), the purchase decision unit 134 determines whether the investment purpose is a predetermined purpose (S84). When the purchase decision unit 134 determines that the investment purpose is a predetermined purpose (S84: YES), the purchase decision unit 134 identifies an adjustment amount stored in the memory unit 12 in association with the investment purpose, and adds the identified adjustment amount to the provisional purchase amount (S85), thereby further updating the provisional purchase amount.

[0094] If the purchase decision unit 134 determines that the investment objective is not the predetermined objective (S84: NO) or updates the provisional purchase amount (S85), it determines whether the constituent financial instruments are predetermined instruments (S86). If the purchase decision unit 134 determines that the constituent financial instruments are predetermined instruments (S86: YES), it identifies the adjustment amount associated with the constituent financial instruments and stored in the memory unit 12, and adds the identified adjustment amount to the provisional purchase amount (S87), thereby further updating the provisional purchase amount.

[0095] If the purchase decision unit 134 determines that the component financial product is not the specified product (S86: NO) or updates the provisional purchase amount (S87), the process of determining the purchase amount ends. The provisional purchase amount updated by the above process becomes the purchase amount when purchasing the additional financial product.

[0096] [Effects of information processing device 1] As explained above, when the price of a financial product falls by more than a predetermined amount, the information processing device 1 purchases the financial product for the purchase amount set by the user. This allows the user to make a profit when the value of the financial product rises later. As a result, the user can efficiently increase their assets.

[0097] Furthermore, the information processing device 1 can purchase financial products at purchase amounts set by the user for each financial product, the range of decline, or the investment purpose. This allows the information processing device 1 to purchase financial products in a manner that meets the specific needs of each user. As a result, the user's satisfaction when using the information processing device 1 is further increased.

[0098] The present invention has been described above using embodiments, but the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist of the present invention. For example, all or part of the device can be configured by functionally or physically distributing or integrating any unit. Furthermore, new embodiments resulting from any combination of multiple embodiments are also included in the embodiments of the present invention. The effects of the new embodiments resulting from the combination also have the effects of the original embodiments. [Explanation of symbols]

[0099] 1. Information processing equipment 11 Device communication unit 12 Storage section 13 Control Unit 131 Settings Reception Section 132 Price Acquisition Department 133 Base Price Setting Department 134 Purchase Decision Department 135 Distribution Processing Department 2. Information terminal 21 Terminal communication unit 22 Display section 23 Memory section 24 Control Unit 241 Display processing section 242 Input reception section S Information Processing System

Claims

1. a storage unit that stores a financial portfolio including constituent financial products in association with a user; a setting reception unit that receives from a user a set purchase amount used to determine the purchase amount of the additional financial products that are the constituent financial products to be purchased when the price of the constituent financial products falls by a predetermined amount or more; a purchase decision unit that decides to purchase the additional financial product in an amount based on the set purchase amount accepted by the setting acceptance unit when the latest price of the target financial product, which is the constituent financial product included in the financial portfolio associated with the target user, falls by more than the predetermined decline compared to the base price of the target financial product at a past base point in time; An information processing device having the same.

2. The past reference point is the point in time at which the price of the target financial product was at its highest price since the decision to purchase the additional financial product was made in the past. The information processing device according to claim 1 .

3. the financial portfolio includes a plurality of the constituent financial instruments; The predetermined decline range is set for each of the plurality of component financial products, the setting acceptance unit accepts the set purchase amount for each of the plurality of component financial products from the user; the purchase decision unit decides to purchase the additional financial product in an amount based on the set purchase amount set by the target user for the first target financial product when the latest price of a first target financial product among the plurality of constituent financial products falls by more than the predetermined decline set for the first target financial product compared to the base price of the first target financial product at the past base time point; The information processing device according to claim 1 .

4. The setting reception unit further receives the predetermined decrease amount from the user. The information processing device according to claim 1 .

5. the setting receiving unit receives a plurality of combinations of the predetermined decline amount and the set purchase amount from the user; the storage unit stores the plurality of combinations in association with the user; the purchase decision unit decides to purchase the additional financial product in an amount based on the predetermined decline amount and the set purchase amount stored in the storage unit in association with the target user when the latest price of the target financial product falls by more than the predetermined decline amount set by the target user compared to the reference price of the target financial product at a past reference point in time; The information processing device according to claim 4 .

6. the purchase decision unit decides to purchase the additional financial product in an amount greater than the set purchase amount set by the target user when the number of times the price of the target financial product has fallen by more than the specified decline amount during a specified period prior to the past reference point is equal to or greater than a threshold value, and when the latest price of the target financial product after the specified period has elapsed has fallen by more than the specified decline amount compared to the base price of the target financial product at the past reference point; The information processing device according to claim 1 .

7. the purchase decision unit decides to purchase the additional financial product in an amount based on the set purchase amount set by the target user when the number of times that the price of the target financial product has fallen by more than the specified decline amount during a specified period prior to the past reference point is equal to or greater than a threshold value, and when, after the specified period has elapsed, the latest price of the target financial product has fallen by more than a decline amount that is smaller than the specified decline amount compared to the base price of the target financial product at the past reference point; The information processing device according to claim 1 .

8. the setting acceptance unit accepts the setting purchase amount from the user for each investment purpose for managing the component financial products; the purchase decision unit decides to purchase the additional financial product in an amount based on the set purchase amount stored in the storage unit in association with the investment objective of the target financial product when the latest price of the target financial product falls by more than the predetermined amount of fall compared to the reference price of the target financial product at the past reference point in time; The information processing device according to claim 1 .

9. The setting reception unit receives from the user an investment policy for dividends obtained through the management of the constituent financial products, The information processing device further comprises a dividend processing unit that, when the dividend is generated, determines to use the generated dividend to purchase the constituent financial products or to transfer the generated dividend to the account of the target user based on the investment policy set by the target user. The information processing device according to claim 1 .

10. An information processing method executed by a computer having a storage unit that stores a financial portfolio including constituent financial products in association with a user, the method comprising: a setting acceptance step for accepting from the user a setting purchase amount to be used for determining the purchase amount of the additional financial products, which are the constituent financial products, to be purchased when the prices of the constituent financial products fall by a predetermined amount or more; a purchase decision step of deciding to purchase the additional financial product in an amount based on the set purchase amount accepted in the setting acceptance step when the latest price of the target financial product, which is the constituent financial product included in the financial portfolio associated with the target user, falls by more than the predetermined decline compared to the base price of the target financial product at a past base point in time; An information processing method comprising:

11. A processor included in an information processing device having a storage unit that stores a financial portfolio including constituent financial products in association with a user, a setting reception unit that receives from a user a set purchase amount used to determine the purchase amount of the additional financial products that are the constituent financial products to be purchased when the price of the constituent financial products falls by a predetermined amount or more; a purchase decision unit that decides to purchase the additional financial product in an amount based on the set purchase amount accepted by the setting acceptance unit when the latest price of the target financial product, which is the constituent financial product included in the financial portfolio associated with the target user, falls by more than the predetermined decline compared to the base price of the target financial product at a past base point in time; A program to function as a

12. An information processing device having a storage unit that stores a financial portfolio including constituent financial products in association with a user, and an information terminal that can communicate with the information processing device, The information processing device includes: a setting reception unit that receives from a user a set purchase amount used to determine the purchase amount of the additional financial products that are the constituent financial products to be purchased when the price of the constituent financial products falls by a predetermined amount or more; a purchase decision unit that decides to purchase the additional financial product in an amount based on the set purchase amount accepted by the setting acceptance unit when the latest price of the target financial product, which is the constituent financial product included in the financial portfolio associated with the target user, falls by more than the predetermined decline compared to the base price of the target financial product at a past base point in time; and The information terminal a terminal communication unit that transmits information indicating the set purchase amount set by the user to the information processing device and receives purchase notification information indicating that the purchase decision unit has purchased the additional financial product; a display unit that displays information indicating the purchase amount of the additional financial product when the terminal communication unit receives the purchase notification information; having Information processing system.

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