Margin management system, margin management method, and program

Abstract

This will improve user convenience. [Solution] The second balance acquisition unit (101) of the margin management system (1) acquires the second balance, which is the balance of the second account used for managing margin, and to which transfers from the first account for managing the source of margin in financial transactions are made. The replenishment condition determination unit (102) determines, based on the second balance, whether or not the replenishment conditions for replenishing margin using the first account are met. The replenishment execution unit (103) executes the replenishment if it is determined that the replenishment conditions are met.

Description

Technical Field

[0001] The present disclosure relates to a margin management system, a margin management method, and a program.

Background Art

[0002] Conventionally, techniques for enhancing the convenience of users in financial transactions are known. For example, Patent Document 1 describes a account management system that secures funds for tax payment in a planned manner by restricting withdrawals from an account for managing margin in a CFD (Contract For Difference), which is an example of a financial transaction, based on the user's planned tax payment amount and the lock period for securing funds for tax payment.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the technique of Patent Document 1, since the user has to transfer funds from his / her own bank account or the like to each individual account for managing margin in financial transactions to manage the margin, the convenience of the user cannot be sufficiently enhanced. This is not limited to the technique of Patent Document 1, but is the same for other financial transactions other than financial transactions. In the conventional technology, the convenience of the user cannot be sufficiently enhanced.

[0005] One object of the present disclosure is to enhance the convenience of users.

Means for Solving the Problems

[0006] The margin management system relating to this disclosure is a second account to which transfers are made from a first account for managing the source of margin in financial transactions, and includes a second balance acquisition unit that acquires a second balance which is the balance of the second account for managing the margin, a replenishment condition determination unit that determines whether or not the replenishment conditions for replenishing the margin using the first account are met based on the second balance, and a replenishment execution unit that performs the replenishment when it is determined that the replenishment conditions are met. [Effects of the Invention]

[0007] This disclosure can improve user convenience. [Brief explanation of the drawing]

[0008] [Figure 1] This figure shows an example of the hardware configuration of a margin management system. [Figure 2] This figure shows an example of a user account in financial transactions. [Figure 3] This figure shows an example of the process that is executed when the second balance is insufficient. [Figure 4] This figure shows an example of the functions implemented by the margin management system. [Figure 5] This figure shows an example of an account database. [Figure 6] This figure shows an example of the process performed by the margin management system. [Figure 7] This figure shows an example of a function that can be achieved through modification. [Figure 8] This figure shows an example of the replenishment method in the modified example 1. [Figure 9] This figure shows an example of the replenishment method in modified example 2. [Figure 10] This figure shows an example of the replenishment method in modified example 3. [Figure 11] This figure shows an example of the replenishment method in modified example 4. [Figure 12] This figure shows an example of the replenishment method in modified example 5. [Figure 13]This figure shows an example of the replenishment method in modified example 6. [Figure 14] This figure shows an example of the replenishment method in modified example 7. [Figure 15] This figure shows an example of the return method in Modification Example 9. [Modes for carrying out the invention]

[0009] [1. Hardware configuration of the margin management system] This disclosure describes an example of an embodiment of the margin management system, margin management method, and program relating to this disclosure. Figure 1 is a diagram showing an example of the hardware configuration of the margin management system. For example, the margin management system 1 includes a server 10 and a user terminal 20. Each of the server 10 and the user terminal 20 is connected to a network N such as the Internet or a LAN.

[0010] Server 10 is a server computer for a financial institution such as a securities company. For example, Server 10 includes a control unit 11, a storage unit 12, and a communication unit 13. The control unit 11 includes at least one processor. The storage unit 12 includes at least one of volatile memory such as RAM and non-volatile memory such as flash memory. The communication unit 13 includes at least one of a communication interface for wired communication and a communication interface for wireless communication.

[0011] The user terminal 20 is the user's computer. For example, the user terminal 20 is a smartphone, tablet, personal computer, or wearable device. The user terminal 20 includes a control unit 21, a storage unit 22, a communication unit 23, an operation unit 24, and a display unit 25. The hardware configuration of the control unit 21, the storage unit 22, and the communication unit 23 may be the same as that of the control unit 11, the storage unit 12, and the communication unit 13, respectively. The operation unit 24 is an input device such as a touch panel or a mouse. The display unit 25 is a display such as a liquid crystal or organic EL.

[0012] Note that the programs stored in the storage units 12 and 22 may be supplied to the server 10 or the user terminal 20 via the network N. Further, at least one of a reading unit (e.g., a memory card slot) that reads a computer-readable information storage medium and an input / output unit (e.g., a USB port) for inputting / outputting data to / from an external device may be included in the server 10 or the user terminal 20. For example, a program stored in the information storage medium may be supplied to the server 10 or the user terminal 20 via at least one of the reading unit and the input / output unit.

[0013] Also, the computer included in the margin management system 1 is not limited to the example of FIG. 1. The margin management system 1 may include at least one computer. For example, the margin management system 1 may include only the server 10. In this case, the user terminal 20 exists outside the margin management system 1. For example, the margin management system 1 may include the server 10 and another computer not shown in FIG. 1.

[0014] [2. Outline of Margin Management System] In the present embodiment, the margin management system 1 provides a service for a user to conduct a financial transaction to the user. In the present embodiment, as an example of the financial transaction, the case where a CFD (Contract For Difference) is described will be taken as an example, but the financial transaction is not limited to the CFD. For example, the financial transaction may be a futures transaction, FX (Foreign Exchange), an option transaction, a credit transaction, a cryptocurrency, or other transactions. The functions described in the present embodiment are applicable to any financial transaction.

[0015] A CFD is a transaction that settles without physical delivery of the underlying asset, using the difference in price resulting from an offsetting trade. A CFD can also be described as a transaction where only the difference in price is exchanged. Users can trade any asset with a CFD. The asset is the subject of a financial transaction (for example, the subject of buying and selling). The asset can also be described as a financial asset. For example, the asset may be a stock index (for example, one based on the Nikkei 225, Dow Jones Industrial Average, or Nasdaq 100), a commodity (for example, gold or crude oil), a foreign currency (for example, the dollar-yen), or a stock. If the margin management system 1 is applied to a financial transaction other than a CFD, the asset may be the subject of that other financial transaction.

[0016] Figure 2 shows an example of a user account in financial transactions. For example, when a user applies for a financial transaction service, an account for managing the user's funds in financial transactions is opened at a financial institution such as a securities company. In this embodiment, the user's funds in financial transactions are managed by two types of accounts. Hereafter, the two types of accounts opened for financial transactions will be referred to as the first account and the second account, respectively. The balance of the first account will be referred to as the first balance. The balance of the second account will be referred to as the second balance.

[0017] The first account is the account that manages the source of the margin funds managed in the second account. Margin funds are sometimes called locked-in funds. In this embodiment, a transfer is made from the first account to the second account, so the first account can also be called the transfer source account. If the relationship between the first account and the second account as shown in Figure 2 is called a parent-child relationship, then the first account can also be called the parent account. If financial transactions can be conducted using payment methods other than cash, such as electronic money, the first account may also manage payment methods other than cash.

[0018] In the example shown in Figure 2, one primary account is displayed, but a user can have any number of primary accounts for financial transactions, and is not limited to just one. For example, a single user may have multiple primary accounts. Furthermore, a user can deposit funds into their primary account by any means. For example, a user may transfer funds to their primary account from a general account (e.g., a securities account), a bank account, another account, or from an ATM (Automatic Teller Machine).

[0019] The second account is the account to which funds are transferred from the first account. The second account is similar to the first account in that it manages margin, but it differs from the first account in that it manages the margin actually used at the time of execution. If the relationship between the first and second accounts as shown in Figure 2 is called a parent-child relationship, the second account can also be called a child account. If financial transactions can be conducted using payment methods other than cash, such as electronic money, the second account may also manage other payment methods other than cash.

[0020] In the example in Figure 2, four first accounts are shown, but the number of second accounts a user can hold for financial transactions is arbitrary and not limited to four. For example, a single user may have one, two, or three first accounts, or even five or more first accounts. Furthermore, a user may deposit funds directly into a second account without going through a first account. A user may also hold other accounts besides the first and second accounts for use in financial transactions.

[0021] In this embodiment, we take the example of a case where a second account is provided for each trading asset. The second account for a particular trading asset manages the margin used for trading that asset. In the example in Figure 2, second accounts are shown for four trading assets: stock indices, commodities, foreign exchange, and stocks. The second account (index CFD) manages the margin used for trading securities with stock index futures or ETFs (exchange-traded funds) as underlying assets. The second account (commodity CFD) manages the margin used for trading securities with commodity futures or spot contracts as underlying assets. The second account (variety CFD) manages the margin used for trading securities with indices and other assets classified as "other". The second account (stock CFD) manages the margin used for trading securities with stocks as underlying assets. If the user is able to trade other trading assets, second accounts for those other trading assets may also exist.

[0022] The method of transferring funds from the first account to the second account may be any method. For example, the transfer from the first account to the second account may be performed manually by the user. The transfer from the first account to the second account may also be performed automatically in response to a user order. When a user places an order for a certain trading instrument, the margin corresponding to that order may be automatically transferred from the first account to the second account for that trading instrument. For example, at the end of trading hours, a transfer may be performed from the first account to the second account if the margin maintenance ratio is below a predetermined percentage (e.g., 100%). At the end of trading hours, a transfer may be performed from the second account, which has no open positions or pending orders, to the first account.

[0023] For example, in order for an order to be executed for a particular asset, the balance in the second account for that asset may become insufficient due to various factors such as fluctuations in exchange rates. If the execution fails due to insufficient funds in the second account, user convenience is reduced. However, it is very time-consuming for users to frequently check their second account balance to prevent execution errors. Therefore, in this embodiment, if the second account balance is insufficient at the time of execution, a transfer from the first account to the second account is automatically executed.

[0024] Figure 3 shows an example of the process that is executed when the second account balance is insufficient. In the example in Figure 3, the second account balance (index CFD) is insufficient for a new limit order for a stock index to be executed. In this case, the insufficient amount is transferred from the first account to the second account (index CFD). Once the insufficient amount is transferred, the second account balance becomes the amount required for execution or more. Subsequently, the new limit order for the stock index is executed.

[0025] For example, if the second account (index CFD) has a balance of 500,000 yen and a trade requires 800,000 yen, the remaining 300,000 yen will be transferred. After the second account (index CFD) balance increases from 500,000 yen to 800,000 yen, the new limit order for the stock index will be executed. Similarly, for other second accounts, if the second account balance is insufficient for a trade, the difference will be transferred from the first account.

[0026] As described above, the margin management system 1 of this embodiment prevents execution errors when, at the time of execution of an order for a certain trading target, the second account balance for that trading target is insufficient, by transferring the insufficient amount from the first account to the second account. This eliminates the need for the user to manually transfer funds to the second account or to frequently check the second account balance to prevent insufficient funds, thus improving user convenience. The details of the margin management system 1 will be described below.

[0027] [3. Functions implemented by the margin management system] Figure 4 shows an example of the functions implemented by the margin management system 1. In Figure 4, an example of the functions implemented by the server 10 among the functions implemented by the margin management system 1 is shown. For example, the server 10 includes a data storage unit 100, a second balance acquisition unit 101, a replenishment condition determination unit 102, and a replenishment execution unit 103. The data storage unit 100 is implemented by the storage unit 12. The second balance acquisition unit 101, the replenishment condition determination unit 102, and the replenishment execution unit 103 are each implemented by the control unit 11.

[0028] [3-1. Data Storage Unit] The data storage unit 100 stores data necessary for managing margins in financial transactions. For example, the data storage unit 100 stores an account database DB.

[0029] Figure 5 shows an example of an account database DB. The account database DB is a database that stores various information about financial transaction accounts. For example, the account database DB stores user identification information, first account identification information, first balance, second account identification information, and second balance. Storing the first balance means that information indicating the first balance is stored. Storing the second balance means that information indicating the second balance is stored. The information stored in the account database DB is not limited to the example in Figure 5. Any information may be stored in the account database DB. For example, the account database DB may store settings, which will be explained in the modified examples described later.

[0030] User identification information is information that can identify a user. For example, user identification information may be a user ID assigned to a user, a login account for logging in, an email address, a phone number, or other information.

[0031] The first account identification information is information that can identify the first account. For example, the first account identification information may be the account number of the first account, the ID assigned to the first account, or other information. In this embodiment, there is one first account for one user, so the user identification information and the first account identification information correspond one-to-one. If there are multiple first accounts for one user, the user identification information and the first account identification information correspond one-to-many.

[0032] For example, when a transfer is made to a first account, server 10 increases the first balance associated with the first account identification information of that first account by the amount of the transfer. When a transfer is made from a first account to a second account, server 10 decreases the first balance associated with the first account identification information of that first account by the amount of the transfer. When a transfer is made from a second account to a first account, server 10 increases the first balance associated with the first account identification information of that first account by the amount of the transfer. Server 10 may update the first balance at other times.

[0033] The second account identification information is information that can identify the second account. For example, the second account identification information may be the account number of the second account, the ID assigned to the second account, or other information. In this embodiment, since there are multiple second accounts for one user, the user identification information and the second account identification information correspond one-to-many. If there is one second account for one user, the user identification information and the second account identification information correspond one-to-one.

[0034] It should be noted that the second account is not limited to the example of this embodiment. For example, a second account does not have to be prepared for each trading asset. If, due to revisions of laws and regulations, the margins for each of multiple trading assets can be managed collectively, a common second account may be prepared for multiple trading assets. Alternatively, for example, a second account may be prepared for each order placed by the user. Even if it is a stock index, there may be separate second accounts for stocks with Japanese stock indices as underlying assets and separate second accounts for stocks with US stock indices as underlying assets. Even if it is stocks of the same company, there may be separate second accounts for one order and separate second accounts for other orders.

[0035] For example, when a transfer is made from a first account to a second account, server 10 increases the second balance associated with the second account identification information of that second account by the amount of the transfer. When an order using a second account is executed, server 10 decreases the second balance associated with the second account identification information of that second account by the amount of the settlement of the executed order. When a transfer is made from a second account to a first account, server 10 decreases the second balance associated with the second account identification information of that second account by the amount of the transfer. Server 10 may update the second balance at other times.

[0036] The data stored in the data storage unit 100 is not limited to the examples above. For example, the data storage unit 100 may store a user database containing basic user information. The data storage unit 100 may also store various information necessary for determining supplementation conditions. The data storage unit 100 may also store an order database containing order information related to orders placed by the user. The order information may be similar to information used in well-known financial transactions. For example, the order information may include order identification information that can identify an order, user identification information that can identify the user who placed the order, the specific details of the order, the date and time of the order, or other information.

[0037] [3-2. Second Balance Acquisition Section] The second balance acquisition unit 101 acquires the second balance, which is the balance of the second account used for managing margin in financial transactions, to which transfers from the first account are made. Acquiring the second balance means acquiring information (data) that indicates the numerical value of the second balance. In this embodiment, since the second balance is managed in the account database DB, the second balance acquisition unit 101 acquires the second balance from the account database DB. The second balance may be stored in a database other than the account database DB, a computer other than the server 10, or an information storage medium. The second balance acquisition unit 101 may acquire the second balance from a database other than the account database DB, a computer other than the server 10, or an information storage medium.

[0038] [3-3. Replenishment condition determination section] The replenishment condition determination unit 102 determines, based on the second balance, whether the replenishment conditions for replenishing margin using the first account are met. Margin replenishment refers to information processing to compensate for any shortfall in the second balance. In this embodiment, an example is given where a transfer from the first account to the second account corresponds to replenishment. Therefore, sections describing a transfer from the first account to the second account can be interpreted as replenishment.

[0039] Furthermore, replenishment is not limited to transfers from the first account to the second account. For example, if, due to a change in laws and regulations, the first account balance becomes directly available instead of the second account balance at the time of order execution, the direct use of the first account balance may be considered replenishment. In the example explained with reference to Figure 3 (an example where the second account balance (index CFD) is 500,000 yen and 800,000 yen is needed for execution), the 300,000 yen shortfall may be considered replenishment if it is used directly from the first account rather than being transferred from the first account to the second account (index CFD). Replenishment is a concept that encompasses both transfers from the first account to the second account and the direct use of the first account balance at the time of execution. Replenishment may also involve other information processing to compensate for the shortfall in the second account balance.

[0040] The replenishment condition is the condition for whether or not the replenishment execution unit 103 performs replenishment. The replenishment condition can also be described as the trigger for the processing of the replenishment execution unit 103. The replenishment condition only needs to be a condition that can be determined based on the second balance. For example, the replenishment condition may be a condition that the replenishment condition determination unit 102 can directly determine based on the second balance, or it may be a condition that the replenishment condition determination unit 102 can determine based on other information such as the margin maintenance ratio calculated based on the second balance.

[0041] In this embodiment, an example is given where insufficient second balance for order execution corresponds to a supplementation condition. For example, the supplementation condition determination unit 102 determines whether the supplementation condition is met by determining whether or not the second balance is sufficient for order execution in a financial transaction. Sufficient second balance means that settlement is completed successfully (settlement does not result in an error). In this embodiment, an example is given where having a second balance greater than or equal to the margin required for execution corresponds to a sufficient second balance. The absence of a second balance greater than or equal to the margin required for order execution (having a second balance less than the margin required for order execution) corresponds to a supplementation condition.

[0042] Furthermore, if a small margin is to be allowed in the second balance after the transaction, the replenishment condition may be met if the second balance after the transaction (after settlement) falls below a predetermined second reference balance. The second reference balance may be any value and may be specified by the user. For example, if the second reference balance is 100,000 yen, then the replenishment condition is met if the second balance after the transaction falls below 100,000 yen. The data indicating the second reference balance is stored in the data storage unit 100. The replenishment condition determination unit 102 should identify the second reference balance based on this data.

[0043] Note that the supplementation conditions are not limited to the examples of this embodiment. As shown in the modified examples below, the supplementation condition may also be when the margin maintenance ratio falls below a predetermined standard maintenance ratio. The concept of supplementation conditions encompasses both the examples of this embodiment and the modified examples below. The supplementation conditions may also be other conditions that can be determined based on the second balance.

[0044] [3-4. Supplementary Execution Section] The replenishment execution unit 103 performs replenishment when it determines that the replenishment conditions have been met. That is, the replenishment execution unit 103 performs replenishment on the condition that it determines that the replenishment conditions have been met. The replenishment execution unit 103 does not perform replenishment if it determines that the replenishment conditions have not been met. If the first balance is insufficient for replenishment, the replenishment execution unit 103 does not have to perform replenishment, or it may perform replenishment as much as possible with the current first balance (for example, if a replenishment of 500,000 yen is needed, but the first balance is only 300,000 yen, it may replenish 300,000 yen).

[0045] In this embodiment, we take the example of a case where insufficient second balance at the time of execution corresponds to the fulfillment of the replenishment condition. Therefore, the replenishment execution unit 103 performs replenishment so that the order is executed when it is determined that the second balance is insufficient. That is, the replenishment execution unit 103 performs replenishment on the condition that it is determined that the second balance is insufficient. After the replenishment is performed by the replenishment execution unit 103, the execution process, which is information processing for the execution of the order, is performed.

[0046] The transaction execution process may be the same as that used in publicly known financial transactions. The transaction execution process may be performed by server 10 or by another computer other than server 10. If replenishment execution unit 103 determines that the second balance is sufficient, it will not perform replenishment. In this case, the transaction execution process will be performed without replenishment by replenishment execution unit 103.

[0047] In this embodiment, we take the example of a case where a transfer from the first account to the second account corresponds to replenishment. Therefore, when the replenishment execution unit 103 determines that the second balance is insufficient, it performs replenishment by executing a transfer from the first account to the second account so that the second balance becomes sufficient. The transfer itself may be the same as the processing used in transfers in known financial transactions. In this embodiment, we take the example of a case where updating the first balance and the second balance stored in the account database DB corresponds to executing a transfer. However, if the actual information processing of the transfer is performed by a computer other than the server 10, the request for such information processing to the other computer may correspond to executing a transfer.

[0048] For example, the replenishment execution unit 103 calculates the margin required for execution based on the user's order details. The replenishment execution unit 103 calculates the deficit amount based on the second balance and the margin required for execution. The replenishment execution unit 103 may also calculate the deficit amount as the value obtained by subtracting the second balance from the margin required for execution. If a certain margin is to be left in the second balance after execution, the replenishment execution unit 103 may also calculate the deficit amount as the value obtained by subtracting the second balance from the sum of the margin required for execution and the second base balance.

[0049] The deficit amount should be calculated based on a predetermined calculation method. The calculation method for the deficit amount may be any of the various calculation methods that a person skilled in the art could anticipate at the time of filing the application. For example, if a user places a limit order, the replenishment execution unit 103 calculates the deficit amount based on the price specified by the user. The replenishment execution unit 103 may perform replenishment not only for limit orders but also when market orders are executed, as needed. If a user places a market order, the replenishment execution unit 103 calculates the deficit amount based on the current market price. The replenishment execution unit 103 may also calculate the deficit amount based on other factors such as the exchange rate.

[0050] For example, the replenishment execution unit 103 transfers an amount corresponding to the deficit from the first account to the second account. The transfer amount may be the same as the deficit, or it may be a larger amount. For example, if the deficit is the amount obtained by subtracting the second balance from the amount required for execution, the replenishment execution unit 103 may transfer an amount equal to the sum of the deficit and the second base balance from the first account to the second account. After the transfer is executed, the execution process is performed. That is, the execution process is performed after the second balance reaches the margin required for execution or more. If multiple orders are executed simultaneously, the execution process may be performed in order of the oldest order date and time. Margin replenishment may also be performed in order of the oldest order date and time.

[0051] [4. Processes executed by the margin management system] Figure 6 shows an example of the process performed by the margin management system 1. In the example in Figure 6, the process performed by the server 10 is shown. The process in Figure 6 is performed when the control unit 11 executes the program stored in the storage unit 12. Each step in Figure 6 is an example of each step included in the margin management method.

[0052] As shown in Figure 6, the control unit 11 determines whether the market price will reach the order price based on a predetermined determination method (S1). The determination method in S1 may be the same as a determination method in known financial transactions. If it is determined that the market price will not reach the order price (S1:N), this process ends. If it is determined in S1 that the market price will reach the order price (S1:Y), the control unit 11 obtains the second balance of the second account to be used for execution based on the account database DB (S2).

[0053] The control unit 11 determines whether the second balance is sufficient (S3). In S3, the control unit 11 calculates the margin required for execution. The control unit 11 determines whether the second balance is sufficient by determining whether the second balance is equal to or greater than the calculated margin. If it is determined in S3 that the second balance is sufficient (S3:Y), the control unit 11 executes the execution process to execute the user's order (S4), and this process ends. In S4, since the second balance is sufficient, the user's order is executed without the transfer from the first account to the second account being executed in S5, which will be described later.

[0054] In S3, if it is determined that the second account balance is insufficient (S3:N), the control unit 11 executes a transfer from the first account to the second account (S5). In S5, the control unit 11 calculates the amount of the second account balance deficit. The control unit 11 executes the transfer of the deficit amount from the first account to the second account. After the process in S5 is executed, the control unit 11 executes the execution process to execute the user's order (S6), and this process ends. In S6, the control unit 11 executes the execution process based on the second account balance after the transfer.

[0055] [5. Summary of Embodiments] The margin management system 1 of this embodiment acquires the second balance. Based on the second balance, the margin management system 1 determines whether the replenishment conditions are met. If the margin management system 1 determines that the replenishment conditions are met, it performs the replenishment. This allows the margin management system 1 to improve user convenience. For example, the user no longer needs to manually transfer funds to the second account or frequently check the second balance to prevent a deficit, thus improving user convenience.

[0056] Furthermore, the margin management system 1 determines whether the replenishment conditions are met by determining whether the second balance is sufficient for the execution of orders in financial transactions. If the margin management system 1 determines that the second balance is insufficient, it performs replenishment so that the orders can be executed. In this way, the margin management system 1 can improve the convenience for users in executing orders. For example, the margin management system 1 can improve user convenience by preventing execution errors due to insufficient second balance and ensuring that users' orders are executed reliably.

[0057] Furthermore, if the margin management system 1 determines that the second balance is insufficient, it will replenish it by transferring funds from the first account to the second account to ensure the second balance is adequate. This ensures that the margin management system 1 does not insufficient funds in the second balance. For example, if it is necessary to manage margin in a second account for a particular trading target, the margin management system 1 can ensure that the second balance in that second account does not become insufficient.

[0058] [6. Variant] This disclosure is not limited to the embodiments described above. This disclosure may be modified as appropriate without departing from the spirit of this disclosure.

[0059] Figure 7 shows an example of a function implemented in the modified version. For example, the modified server 10 includes a first balance acquisition unit 104, a setting acquisition unit 105, a return condition determination unit 106, and a return execution unit 107. Each of the first balance acquisition unit 104, the setting acquisition unit 105, the return condition determination unit 106, and the return execution unit 107 is implemented by a control unit 11.

[0060] [6-1. Variation 1] For example, if the second balance of a certain second account is insufficient, the first balance may also be low. In this case, the replenishment execution unit 103 may not be able to replenish the shortfall in the second account using only the first account. Therefore, in Modification 1, we will explain a case in which the replenishment execution unit 103 uses not only the first account but also other second accounts to perform the replenishment. These other second accounts are different from the second account whose second balance is insufficient. These other second accounts can also be described as second accounts that are not subject to the contract.

[0061] Figure 8 shows an example of the replenishment method in Modification 1. In the example in Figure 8, the second account (index CFD) has insufficient balance for a new limit order for a stock index to be executed. For example, suppose the deficit in the second account is 500,000 yen. In the example described in the embodiment, the deficit is transferred from the first account to the second account, so if the first account balance is 500,000 yen or more, the replenishment execution unit 103 can replenish the first account alone. On the other hand, if the first account balance is less than 500,000 yen, the replenishment execution unit 103 cannot replenish the first account alone. For this reason, a check of the first account balance is performed first.

[0062] The margin management system 1 of Modification 1 includes a first balance acquisition unit 104. The first balance acquisition unit 104 acquires the first balance, which is the balance of the first account. Acquiring the first balance means acquiring information (data) that indicates the numerical value of the first balance. In this embodiment, since the first balance is managed in the account database DB, the first balance acquisition unit 104 acquires the first balance from the account database DB. The first balance may be stored in a database other than the account database DB, a computer other than the server 10, or an information storage medium. The first balance acquisition unit 104 may acquire the first balance from a database other than the account database DB, a computer other than the server 10, or an information storage medium.

[0063] In Modification 1, similar to the embodiment, the replenishment condition determination unit 102 determines whether the second balance is sufficient for the order to be executed. If the replenishment execution unit 103 determines that the second balance is insufficient, it determines whether the first balance is sufficient for replenishment. The first balance being sufficient for replenishment means that the first balance is equal to or greater than the replenishment amount required for replenishment. The method for calculating the replenishment amount may be the same as in the embodiment. If a transfer corresponds to replenishment, similar to the embodiment, the transfer amount corresponds to the replenishment amount. For example, the replenishment execution unit 103 determines that the first balance is insufficient if the first balance is less than the replenishment amount, and determines that the first balance is sufficient if the first balance is equal to or greater than the replenishment amount.

[0064] Furthermore, if a certain amount of the initial balance is to be left after replenishment, the replenishment execution unit 103 may determine that the initial balance is insufficient if the initial balance after replenishment falls below a predetermined initial reference balance, and determine that the initial balance is sufficient if the initial balance after replenishment is equal to or greater than the initial reference balance. The initial reference balance may be any value and may be specified by the user. For example, if the initial reference balance is 300,000 yen, then if the initial balance after replenishment falls below 300,000 yen, it will be determined that the initial balance is insufficient.

[0065] In Modification 1, the replenishment execution unit 103 performs replenishment based on the first account when it is determined that the first balance is sufficient. In this case, the replenishment execution unit 103 performs replenishment based on the first account, and not on the other second accounts. The replenishment process in this case is the same as in the embodiment. For example, the process described with reference to Figure 3 is performed. On the other hand, if the replenishment execution unit 103 is determined that the first balance is insufficient, it performs replenishment based on the first account and the other second accounts. That is, the replenishment execution unit 103 performs replenishment based not only on the first account but also on the other second accounts.

[0066] In the example in Figure 8, the second account (commodity CFD) corresponds to another second account. For example, the replenishment execution unit 103 executes a transfer from the second account (commodity CFD) to the first account. The amount transferred from the second account (commodity CFD) to the first account may be the same as the deficit in the first account, or it may be greater than the deficit in the first account. The replenishment execution unit 103 only needs to transfer all or part of the second balance of the second account (commodity CFD) to the first account. In the example in Figure 8, the second balance of the second account (commodity CFD) is assumed to be equal to or greater than the amount transferred to the first account.

[0067] For example, suppose the deficit in the second account (index CFD) is 500,000 yen. Suppose the first account balance is 300,000 yen. In this case, the deficit in the first account balance is 200,000 yen. Therefore, the replenishment execution unit 103 transfers 200,000 yen from the second account (commodity CFD) to the first account. The first account balance increases from 300,000 yen to 500,000 yen. Subsequently, the replenishment execution unit 103 transfers 500,000 yen, which is the deficit in the second account balance of the second account (index CFD), from the first account, which now has an increased first account balance, to the second account (index CFD). The second account (index CFD) now has the second account balance necessary for the order to be executed, and the order is executed.

[0068] Furthermore, replenishment based on other second accounts is not limited to transfers from other second accounts via the first account. For example, a direct transfer may be made from another second account to a second account with insufficient funds. If, due to amendments to laws and regulations, the second account balance of another second account becomes directly available at the time an order using the second account balance of a certain second account is executed, the direct use of the second account balance of the other second account may be considered replenishment. Replenishment is a concept that encompasses both transfers from other second accounts via the first account and the direct use of the second account balance of another second account. Replenishment may also involve other information processing to compensate for the insufficient second account balance.

[0069] The replenishment execution unit 103 may also determine whether the second balance of the other second account is equal to or greater than the replenishment amount required. This replenishment amount may be the same as the deficit of the first balance, or it may be greater than the deficit of the first balance. The replenishment execution unit 103 may not perform the replenishment if it determines that the second balance of the other second account is less than the replenishment amount, and may perform the replenishment if it determines that the second balance of the other second account is equal to or greater than the replenishment amount.

[0070] For example, if the second balance of another second account is used for replenishment, the margin maintenance ratio of that other second account will decrease. Therefore, the replenishment execution unit 103 may perform replenishment based on the other second account, provided that the margin maintenance ratio of the other second account does not fall below a predetermined standard maintenance ratio (e.g., 70%). The standard maintenance ratio may be any value and may be specified by the user. The method for calculating the margin maintenance ratio may be the same as the calculation method used in publicly known financial transactions.

[0071] For example, if there are multiple other second accounts, the replenishment execution unit 103 may perform the replenishment based on the other second account that has a second balance equal to or greater than the replenishment amount. If there are multiple other second accounts that have a second balance equal to or greater than the replenishment amount, the replenishment execution unit 103 may use each of the multiple other second accounts for replenishment, or it may select some of the multiple other second accounts (for example, the other second account with the largest second balance, or the other second account with the highest margin maintenance ratio) for replenishment. The replenishment execution unit 103 may perform the replenishment based on a pre-specified other second account from among the multiple other second accounts, or it may perform the replenishment based on a randomly selected other second account.

[0072] In Modification 1, the margin management system 1 retrieves the first balance. If the margin management system 1 determines that the second balance is insufficient, it determines whether the first balance is sufficient to replenish it. If the margin management system 1 determines that the first balance is sufficient, it performs the replenishment based on the first account. If the margin management system 1 determines that the first balance is insufficient, it performs the replenishment based on the first account and other second accounts. This allows the margin management system 1 to perform the replenishment based on other second accounts even if the first account alone is insufficient, thereby further improving user convenience.

[0073] [6-2. Variation 2] For example, as described in the embodiment, a first account may be associated with multiple second accounts. That is, a transfer may be executed from a user's first account to multiple second accounts of that user. In this case, the second balance may become insufficient in multiple second accounts held by that user simultaneously. Therefore, in Modification 2, we will describe the case in which replenishment is performed in each of the multiple second accounts. Hereafter, the second account that is the subject of the transaction will be referred to as the second account subject to the transaction.

[0074] In Modification 2, the second balance acquisition unit 101 acquires the second balance of the second account subject to the transaction from among a plurality of second accounts. The replenishment condition determination unit 102 determines whether the second balance of the second account subject to the transaction is sufficient. The processing of the second balance acquisition unit 101 and the replenishment condition determination unit 102 may be the same as in the embodiment. When multiple orders are placed using different second accounts subject to the transaction, the second balance acquisition unit 101 acquires the second balance of each of the plurality of second accounts subject to the transaction. The replenishment condition determination unit 102 determines whether the replenishment condition of the second account subject to the transaction is met based on the second balance of each of the plurality of second accounts subject to the transaction. The method for determining the replenishment condition of each second account subject to the transaction is the same as in the embodiment.

[0075] Figure 9 shows an example of a replenishment method in Modification Example 2. In the example in Figure 9, the second balance in the second account (index CFD) is insufficient to execute a new limit order for a stock index. Furthermore, the second balance in the second account (commodity CFD) is insufficient to execute a new limit order for commodities such as gold. Therefore, the second balance is insufficient in both the second account (index CFD) and the second account (commodity CFD) simultaneously. In this case, the replenishment condition determination unit 102 determines that the replenishment conditions have been met in both the second account (index CFD) and the second account (commodity CFD).

[0076] In the modified example 2, the replenishment execution unit 103 determines that the second balance is insufficient in multiple second accounts subject to contracts, and performs replenishment for each of the multiple second accounts subject to contracts. That is, the replenishment execution unit 103 performs replenishment for each second account subject to contracts based on the first account. The method for replenishing each second account subject to contracts may be the same as in the embodiment. For example, if a transfer from the first account to a second account subject to contracts constitutes replenishment, the replenishment execution unit 103 transfers an amount corresponding to the deficit in each of the multiple second accounts subject to contracts from the first account. The replenishment execution unit 103 may perform the transfers to each of the multiple second accounts subject to contracts simultaneously, or at different times.

[0077] In the modified version 2, the margin management system 1 retrieves the balance of the target second account among multiple second accounts. The margin management system 1 determines whether the second account balance of the target second account is sufficient. If the margin management system 1 determines that the second account balance is insufficient in multiple target second accounts, it replenishes each of the target second accounts. As a result, even if the second account balance becomes insufficient in each of the multiple target second accounts, the margin management system 1 can replenish each of the target second accounts, thereby further enhancing user convenience.

[0078] [6-3. Modified Example 3] For example, in Modification 2, if the first balance is insufficient, the replenishment execution unit 103 may only be able to replenish a portion of the second accounts of multiple target accounts whose second balances have become insufficient. In this case, if all orders are executed with errors, user convenience will be reduced. Therefore, Modification 3 describes a case in which replenishment is performed for at least a portion of the second accounts of multiple target accounts whose second balances have become insufficient, based on a predetermined priority order.

[0079] The margin management system 1 in Modification 3 includes a first balance acquisition unit 104. The first balance acquisition unit 104 is as described in Modification 1. The replenishment execution unit 103 in Modification 3 determines whether the first balance is sufficient for the replenishment of each of the multiple target second accounts. The first balance being sufficient for the replenishment of each of the multiple target second accounts means that the first balance is equal to or greater than the total replenishment amount required for the replenishment of all of the multiple target second accounts. If a transfer corresponds to replenishment, as in the embodiment, the transfer amount corresponds to the replenishment amount.

[0080] The method for calculating the replenishment amount for each individual second account subject to the contract may be the same as in the embodiment. In Modification 3, the replenishment execution unit 103 calculates the total replenishment amount as the sum of the replenishment amounts for each individual second account subject to the contract. For example, the replenishment execution unit 103 determines that the first balance is insufficient if the first balance is less than the total replenishment amount, and determines that the first balance is sufficient if the first balance is equal to or greater than the total replenishment amount. If a certain amount of the first balance is to be left after replenishment, the replenishment execution unit 103 may determine that the first balance is insufficient if the first balance after replenishment falls below a predetermined first standard balance, and determine that the first balance is sufficient if the first balance after replenishment is equal to or greater than the first standard balance. This point is the same as in Modification 1.

[0081] In Modification 3, the replenishment execution unit 103, when it determines that the first balance is sufficient, replenishes each of the multiple target second accounts based on the first account. The processing in this case is the same as in Modification 2. On the other hand, when it determines that the first balance is insufficient, the replenishment execution unit 103 replenishes at least some of the multiple target second accounts based on a predetermined priority order. The priority order is associated with each of the multiple target second accounts. The priority order only needs to be predetermined and may be specified by a financial institution such as a securities company, or by a user. The priority order may be set in order of oldest order date and time. The data indicating the predetermined priority order is pre-stored in the data storage unit 100. The replenishment execution unit 103 identifies the priority order based on this data.

[0082] Figure 10 shows an example of the replenishment method in Modification 3. In the example in Figure 10, similar to the example in Figure 9 described in Modification 2, the second balance is insufficient in both the second account (index CFD) and the second account (commodity CFD) simultaneously. However, unlike the example in Figure 9, the first balance for replenishment of each of the second accounts (index CFD) and the second account (commodity CFD) is insufficient in the example in Figure 10. For example, if the second account (index CFD) has a higher priority than the second account (commodity CFD), the replenishment execution unit 103 will replenish the second account (index CFD), which has a relatively higher priority, and will not replenish the second account (commodity CFD), which has a relatively lower priority.

[0083] The replenishment execution unit 103 may replenish the second accounts of multiple target accounts in order of priority. For example, the replenishment execution unit 103 updates the first balance by replenishing the second account of the target account with the highest priority. If the first balance is still sufficient, the replenishment execution unit 103 replenishes the second account of the target account with the next highest priority. Similarly, the replenishment execution unit 103 may replenish the second accounts of the target accounts in order of priority until the first balance becomes insufficient. The replenishment execution unit 103 may determine the amount to replenish to each of the multiple second accounts of target accounts based on their respective priority levels. For example, the replenishment execution unit 103 may replenish the entire amount of the deficit for second accounts of target accounts with relatively high priority, and replenish only a portion of the deficit for second accounts of target accounts with relatively low priority. In this case, orders using second accounts of target accounts with relatively low priority may only be executed for a portion of the order details specified by the user.

[0084] In the modified version 3, the margin management system 1 obtains the first balance. The margin management system 1 determines whether the first balance is sufficient to replenish each of the multiple target second accounts. If the margin management system 1 determines that the first balance is sufficient, it replenishes each of the multiple target second accounts based on the first account. If the margin management system 1 determines that the first balance is insufficient, it replenishes at least some of the multiple target second accounts based on a predetermined priority order. As a result, even if the second balance becomes insufficient in each of the multiple target second accounts and only a portion can be rescued, the margin management system 1 can replenish according to the priority order, thereby further improving user convenience.

[0085] [6-4. Modification 4] For example, in the embodiment, a case where insufficient second balance for order execution corresponds to a replenishment condition was described, but the replenishment condition is not limited to the example of the embodiment. The replenishment condition can be any condition for replenishment using the first account. Modification 4 describes a case where the stop-loss condition for an order in a financial transaction corresponds to a replenishment condition. A stop-loss is a mandatory settlement executed in response to losses. The stop-loss mechanism may be similar to that of known financial transaction mechanisms.

[0086] The supplemental condition determination unit 102 in Modification 4 determines whether the supplemental condition is met by obtaining the margin maintenance ratio of the second account based on the second balance and determining whether the margin maintenance ratio has fallen below the threshold for stop-loss orders in financial transactions. The supplemental condition determination unit 102 calculates the margin maintenance ratio corresponding to the current second balance based on a predetermined calculation method. This calculation method may be the same as a calculation method used in known financial transactions. For example, the supplemental condition determination unit 102 may calculate the margin maintenance ratio based on the second balance and external factors such as the exchange rate. If there are multiple second accounts, the supplemental condition determination unit 102 calculates the margin maintenance ratio for each second account based on the second balance of that second account.

[0087] For example, the supplementary condition determination unit 102 determines that a stop-loss order will be executed in a second account if the margin maintenance ratio of that second account falls below a predetermined threshold (e.g., 50%), and determines that a stop-loss order will be executed in a second account if the margin maintenance ratio of that second account falls below the threshold. The stop-loss threshold may be any value. It may be specified by a financial institution such as a securities company, or it may be specified by a user. The stop-loss threshold is stored in the data storage unit 100. The stop-loss conditions may be any conditions adopted in publicly known financial transactions. For example, the supplementary condition determination unit 102 may determine whether or not a stop-loss order will be executed based on factors other than the margin maintenance ratio.

[0088] In Modification 4, the replenishment execution unit 103 performs replenishment by transferring funds from the first account to the second account when it is determined that the margin maintenance ratio has fallen below a threshold, in order to prevent a stop-loss determination from occurring. "Preventing a stop-loss determination" means that a stop-loss is not executed. In other words, a change from a state where the conditions for a stop-loss are met to a state where the conditions for a stop-loss are not met corresponds to a stop-loss determination. The amount transferred from the first account to the second account may be a fixed value or may be calculated dynamically.

[0089] Figure 11 shows an example of the replenishment method in modified example 4. In the example in Figure 11, the margin maintenance ratio of the second account (index CFD) is below the threshold. In this case, the replenishment execution unit 103 executes a transfer from the first account to the second account (index CFD). For example, the replenishment execution unit 103 executes a transfer from the first account to the second account (index CFD) so that the margin maintenance ratio of the second account (index CFD) after the transfer becomes equal to or above the stop-loss threshold.

[0090] For example, if the margin maintenance ratio after the transfer is predetermined, the replenishment execution unit 103 calculates the transfer amount necessary to bring the margin maintenance ratio to the predetermined amount (e.g., 100%) based on the current margin maintenance ratio, and executes the transfer from the first account to the second account (index CFD) based on that transfer amount. The replenishment execution unit 103 may repeat the transfer of the predetermined transfer amount until a stop-loss determination is not made.

[0091] The margin management system 1 in Modification 4 obtains the margin maintenance ratio of the second account based on the second balance. Based on the margin maintenance ratio, the margin management system 1 determines whether the replenishment conditions are met by determining whether or not a stop-loss order in a financial transaction will be executed. If the margin management system 1 determines that a stop-loss will be executed, it replenishes the funds by transferring funds from the first account to the second account to prevent a stop-loss determination. This allows the margin management system 1 to prevent stop-loss determinations that the user did not intend, thus improving user convenience. For example, the user no longer needs to manually transfer funds to the second account or frequently check the margin maintenance ratio of the second account to prevent a stop-loss determination, thus improving user convenience.

[0092] [6-5. Variation 5] For example, in Modification 4, if the margin maintenance ratio of a certain second account decreases, the balance of the first account may become low. In this case, the replenishment execution unit 103 may not be able to execute a transfer to prevent a stop-loss judgment from being triggered using only the first account. Therefore, Modification 5 describes a case in which the replenishment execution unit 103 uses not only the first account but also other second accounts to execute a transfer to prevent a stop-loss judgment. Modification 5 differs from Modification 1 in that it prevents a stop-loss judgment, but it is similar to Modification 1 in that it uses other second accounts for the transfer. For this reason, the explanation of points that are the same as in Modification 1 will be omitted.

[0093] Figure 12 shows an example of the replenishment method in Modification 5. In the example in Figure 12, the margin maintenance ratio of the second account (index CFD) is below the threshold. For example, suppose the amount to be transferred to prevent a stop-loss judgment in the second account (index CFD) is 700,000 yen. In this case, if the first balance is 700,000 yen or more, the replenishment execution unit 103 can prevent a stop-loss judgment from occurring in the first account alone. On the other hand, if the first balance is less than 700,000 yen, the replenishment execution unit 103 cannot prevent a stop-loss judgment from occurring in the first account alone. Therefore, a check of the first balance is performed first.

[0094] The margin management system 1 in Modification 5 includes a first balance acquisition unit 104. The first balance acquisition unit 104 is as described in Modification 1. The replenishment execution unit 103 determines whether the first balance is sufficient to prevent a stop-loss judgment when it is determined that the margin maintenance ratio has fallen below a threshold. The first balance being sufficient to prevent a stop-loss judgment means that the first balance is greater than or equal to the transfer amount required to prevent a stop-loss judgment. The method for calculating the transfer amount may be the same as in Modification 4. For example, the replenishment execution unit 103 determines that the first balance is insufficient if the first balance is less than the transfer amount, and determines that the first balance is sufficient if the first balance is equal to or greater than the transfer amount.

[0095] Furthermore, if a certain amount of the initial balance is to be left after the transfer, the replenishment execution unit 103 may determine that the initial balance is insufficient if the initial balance after the transfer falls below a predetermined initial reference balance, and determine that the initial balance is sufficient if the initial balance after the transfer is equal to or greater than the initial reference balance. The initial reference balance may be any value and may be specified by the user. For example, if the initial reference balance is 300,000 yen, then if the initial balance after the transfer falls below 300,000 yen, it will be determined that the initial balance is insufficient.

[0096] The replenishment execution unit 103 executes a transfer based on the first account when it determines that the first balance is sufficient. In this case, the replenishment execution unit 103 executes the transfer based on the first account, and not on the other second accounts. The transfer process in this case is the same as in Modification 4. For example, the process described with reference to Figure 11 is executed. On the other hand, the first balance acquisition unit 104 executes a transfer based on the first account and the other second accounts when it determines that the first balance is insufficient. That is, the replenishment execution unit 103 executes the transfer based not only on the first account but also on the other second accounts.

[0097] In the example in Figure 12, the second account (commodity CFD) corresponds to another second account. For example, the replenishment execution unit 103 executes a transfer from the second account (commodity CFD) to the first account. The amount transferred from the second account (commodity CFD) to the first account may be the same as the deficit in the first account, or it may be greater than the deficit in the first account. The replenishment execution unit 103 only needs to transfer all or part of the second balance of the second account (commodity CFD) to the first account. In the example in Figure 12, the second balance of the second account (commodity CFD) is assumed to be equal to or greater than the amount transferred to the first account.

[0098] For example, suppose the transfer amount required to prevent a stop-loss trigger in the second account (index CFD) is 700,000 yen. Suppose the balance in the first account is 500,000 yen. In this case, the deficit in the first account is 200,000 yen. Therefore, the replenishment execution unit 103 transfers 200,000 yen from the second account (commodity CFD) to the first account. The balance in the first account increases from 500,000 yen to 700,000 yen. Subsequently, the replenishment execution unit 103 transfers 700,000 yen, which is the deficit in the second account (index CFD), from the first account with the increased balance to the second account (index CFD). The margin maintenance ratio in the second account (index CFD) will no longer meet the conditions for a stop-loss, so a stop-loss trigger will not occur.

[0099] Furthermore, transfers based on other second accounts are not limited to transfers from other second accounts via the first account. For example, a transfer may be directly executed from another second account to a second account with insufficient funds. The replenishment execution unit 103 may determine whether the second balance of the other second account is equal to or greater than the transfer amount necessary to prevent a stop-loss determination. This transfer amount may be the same as the insufficient amount of the first account, or it may be greater than the insufficient amount of the first account. The replenishment execution unit 103 may not perform replenishment if it determines that the second balance of the other second account is less than the transfer amount, but may perform replenishment if it determines that the second balance of the other second account is equal to or greater than the transfer amount.

[0100] For example, if this is used to prevent the second balance of another second account from being subject to a stop-loss condition, the margin maintenance ratio of that other second account will decrease. Therefore, the replenishment execution unit 103 may execute a transfer based on the other second account, provided that the margin maintenance ratio of the other second account does not fall below a predetermined standard maintenance ratio (e.g., 70%). The standard maintenance ratio is as explained in Modification Example 1.

[0101] For example, if there are multiple other second accounts, the replenishment execution unit 103 may execute the transfer based on the other second account that has a second balance equal to or greater than the transfer amount required to prevent a stop-loss determination. If there are multiple other second accounts that have a second balance equal to or greater than the transfer amount required to prevent a stop-loss determination, the replenishment execution unit 103 may use each of the multiple other second accounts for the transfer, or it may select some of the multiple other second accounts (for example, the other second account with the largest second balance, or the other second account with the highest margin maintenance ratio) for the transfer. The replenishment execution unit 103 may execute the transfer based on a pre-specified other second account from among the multiple other second accounts, or it may execute the transfer based on a randomly selected other second account.

[0102] In Modification 5, the margin management system 1 obtains the first balance. When the margin management system 1 determines that a stop-loss order will be executed, it determines whether the first balance is sufficient to prevent the stop-loss order from being executed. If the margin management system 1 determines that the first balance is sufficient, it executes a transfer based on the first account. If the margin management system 1 determines that the first balance is insufficient, it executes a transfer based on the first account and the other second account. As a result, even if the margin management system 1 cannot prevent a stop-loss order from being executed using only the first account, it can prevent a stop-loss order from being executed based on the other second account, thereby further improving user convenience.

[0103] [6-6. Variation 6] For example, as described in the embodiment, a first account may be associated with multiple second accounts. In this case, a stop-loss order may be executed simultaneously in multiple second accounts held by a single user. Therefore, in Modification 6, a case is described in which a transfer is executed for each of the multiple second accounts to prevent a stop-loss order from being triggered. Hereafter, a second account that is subject to a stop-loss order will be referred to as a stop-loss target second account.

[0104] In Modification 6, the second balance acquisition unit 101 acquires the second balance of each of the multiple second accounts. The process by which the second balance acquisition unit 101 acquires the second balance of each individual second account may be the same as in the embodiment. The supplementation condition determination unit 102 acquires the margin maintenance ratio of each of the multiple second accounts based on the second balance of each of the multiple second accounts and determines whether the margin maintenance ratio of each of the multiple second accounts has fallen below a threshold. The process by which the supplementation condition determination unit 102 determines whether the margin maintenance ratio of each individual second account has fallen below a threshold may be the same as in Modifications 4 and 5.

[0105] Figure 13 shows an example of the replenishment method in Modification 6. In the example in Figure 13, the margin maintenance ratio of the second account (index CFD) and the margin maintenance ratio of the second account (commodity CFD) have decreased. In this case, the replenishment condition determination unit 102 determines that the margin maintenance ratio for each of the second account (index CFD) and the second account (commodity CFD) has fallen below the threshold.

[0106] In Modification 6, the replenishment execution unit 103 executes a transfer to each of the multiple second accounts subject to stop-loss when it is determined that the margin maintenance ratio in multiple second accounts subject to stop-loss falls below a threshold. That is, the replenishment execution unit 103 executes a transfer to each second account subject to stop-loss based on the first account. The method of transferring to each individual second account subject to stop-loss may be the same as in Modifications 4 and 5. For example, the replenishment execution unit 103 transfers an amount from the first account to each of the multiple second accounts subject to stop-loss to prevent the second account subject to stop-loss from being subject to stop-loss. The replenishment execution unit 103 may execute the transfer to each of the multiple second accounts subject to stop-loss simultaneously, or at different times.

[0107] The margin management system 1 in Modification 6 retrieves the second balance of each of the multiple second accounts. Based on the second balance of each of the multiple second accounts, the margin management system 1 retrieves the margin maintenance ratio for each of the multiple second accounts. The margin management system 1 determines whether the margin maintenance ratio of each of the multiple second accounts has fallen below a threshold. If the margin management system 1 determines that the margin maintenance ratio of multiple second accounts subject to stop-loss has fallen below a threshold, it executes a transfer to each of the multiple second accounts subject to stop-loss. As a result, even if the margin maintenance ratio of each of the multiple second accounts subject to stop-loss decreases, the margin management system 1 can execute a transfer to each of the multiple second accounts subject to execution, thereby further improving user convenience.

[0108] [6-7. Variation 7] For example, in Modification 6, if the first balance is insufficient, the replenishment execution unit 103 may only be able to rescue a portion of the multiple second accounts subject to stop-loss that are about to be subject to stop-loss. In this case, if stop-loss is executed on all second accounts subject to stop-loss, user convenience will decrease. Therefore, Modification 7 describes a case in which a transfer is executed based on a predetermined priority order to prevent stop-loss determination in at least some of the second accounts subject to stop-loss.

[0109] The margin management system 1 in Modification 7 includes a first balance acquisition unit 104. The first balance acquisition unit 104 is as described in Modification 1. The replenishment execution unit 103 in Modification 7 determines whether the first balance is sufficient for the transfer to each of the multiple second accounts subject to stop-loss. Sufficient first balance for the transfer to each of the multiple second accounts subject to stop-loss means that the first balance is greater than or equal to the total transfer amount necessary to prevent all of the multiple second accounts subject to stop-loss from being subject to stop-loss.

[0110] The method for calculating the transfer amount to prevent each individual second account from being subject to a stop-loss determination may be the same as in the embodiment. In Modification 7, the replenishment execution unit 103 calculates the sum of the transfer amounts for each individual second account subject to a stop-loss as the total transfer amount. For example, the replenishment execution unit 103 determines that the first balance is insufficient if the first balance is less than the total transfer amount, and determines that the first balance is sufficient if the first balance is equal to or greater than the total transfer amount. If a certain amount of first balance is to be left after the transfer, the replenishment execution unit 103 may determine that the first balance is insufficient if the first balance after the transfer falls below a predetermined first standard balance, and determine that the first balance is sufficient if the first balance after the transfer is equal to or greater than the first standard balance.

[0111] In Modification 7, the replenishment execution unit 103, when it determines that the first balance is sufficient, executes a transfer to each of the multiple second accounts subject to stop-loss based on the first account. The processing in this case is the same as in Modification 4. On the other hand, when it determines that the first balance is insufficient, the replenishment execution unit 103 executes a transfer to at least some of the multiple second accounts subject to stop-loss based on a predetermined priority order. Similar to Modification 3, the priority order is associated with each of the multiple second accounts subject to execution.

[0112] The priority order can be predetermined and may be designated by a financial institution such as a securities company (for example, indices → variety → stocks → commodities), or it may be designated by the user. Prioritization may be based on the amount of transfer required to avoid a stop-loss judgment, from smallest to largest. If the transfer amounts are the same, the transfer may be executed in the priority order designated by the financial institution such as a securities company. The data indicating the predetermined priority order is pre-stored in the data storage unit 100. The supplementary execution unit 103 identifies the priority order based on this data.

[0113] Figure 14 shows an example of the replenishment method in Modification 7. In the example of Figure 14, similar to the example of Figure 13 described in Modification 6, it is assumed that the margin maintenance ratio has decreased simultaneously in both the second account (index CFD) and the second account (commodity CFD). However, unlike the example of Figure 13, the first balance in the example of Figure 14 is insufficient to prevent a stop-loss judgment from being triggered in each of the second accounts (index CFD) and the second account (commodity CFD). For example, if the second account (index CFD) has a higher priority than the second account (commodity CFD), the replenishment execution unit 103 will execute a transfer to the second account (index CFD), which has a relatively higher priority, and will not execute a transfer to the second account (commodity CFD), which has a relatively lower priority.

[0114] The replenishment execution unit 103 may transfer funds to the second accounts subject to stop-loss in order of priority from among the multiple second accounts subject to stop-loss. For example, the replenishment execution unit 103 updates the first balance by executing the transfer to the second account subject to stop-loss with the highest priority. If the first balance is still sufficient, the replenishment execution unit 103 executes the transfer to the second account subject to stop-loss with the next highest priority. Similarly thereafter, the replenishment execution unit 103 may execute transfers to the second accounts subject to stop-loss in order of priority until the first balance becomes insufficient. The replenishment execution unit 103 may determine the amount to transfer to each of the multiple second accounts subject to stop-loss based on their respective priority levels.

[0115] The margin management system 1 in Modification 7 obtains the first balance. The margin management system 1 determines whether the first balance is sufficient for transfer to each of the multiple second accounts subject to stop-loss. If the margin management system 1 determines that the first balance is sufficient, it executes the transfer to each of the multiple second accounts subject to stop-loss based on the first account. If the margin management system 1 determines that the first balance is insufficient, it executes the transfer to at least some of the multiple second accounts subject to stop-loss based on a predetermined priority order. As a result, even if the second balance becomes insufficient in each of the multiple second accounts subject to stop-loss and only a portion can be rescued, the margin management system 1 can execute the transfer according to the priority order, thereby further improving user convenience.

[0116] [6-8. Variation 8] For example, the stop-loss function, which prevents a stop-loss judgment as described in Modifications 4-7, may be executed based on settings specified by the user. Modification 8 gives an example where turning the stop-loss function on / off corresponds to a setting, but the setting is not limited to turning the stop-loss function on / off. The setting may also be the conditions under which the stop-loss function is activated. For example, the setting may be the margin maintenance ratio at which the stop-loss function is activated, the period for which the stop-loss function is used, the margin maintenance ratio after preventing a stop-loss judgment (the margin maintenance ratio immediately after the transfer from the first account to the second account is executed), the transfer amount to be transferred by the stop-loss function, the maximum amount of the transfer per day (for example, it may be possible to set it to unlimited), or other settings. If there are multiple second accounts, the user may specify settings for each second account.

[0117] The margin management system 1 in Modification Example 8 includes a setting acquisition unit 105. The setting acquisition unit 105 acquires settings related to transfers that are specified by the user. Settings specified by a user are associated with that user and stored in the data storage unit 100. For example, when a user logs in to a service provided by a financial institution such as a securities company, the user terminal 20 displays a setting acceptance screen on the display unit 25 that accepts setting specifications. The user specifies any setting on the setting acceptance screen. The user terminal 20 sends the user-specified setting to the server 10. The setting acquisition unit 105 acquires the setting from the user terminal 20. The setting acquisition unit 105 can record the user-specified setting in any location and acquire it at any time.

[0118] For example, the settings may be stored in the account database DB or in another database. When the server 10 obtains the settings specified by the user from the user terminal 20, it stores them in the account database DB or the other database. The settings acquisition unit 105 acquires the settings from the account database DB or the other database. The settings may also be stored in a computer other than the user terminal 20 or in an information storage medium. The settings acquisition unit 105 acquires the settings from the other computer or information storage medium.

[0119] In Modification 8, the supplementary execution unit 103 executes the transfer based on the settings specified by the user. For example, if the setting is to turn the stop-loss function on or off, the supplementary execution unit 103 does not execute the transfer in Modifications 4-7 if the setting indicates that the user has specified that the stop-loss function be off, but executes the transfer in Modifications 4-7 if the setting indicates that the user has specified that the stop-loss function be on. If settings are specified for each of multiple second accounts, the supplementary execution unit 103 executes the transfer to each of the multiple second accounts based on the settings specified for each of the multiple second accounts. If the user specifies the specific details of the transfer, the supplementary execution unit 103 should execute the transfer based on the specific details indicated by the settings.

[0120] The margin management system 1 in Modification 8 retrieves the settings specified by the user. Based on these settings, the margin management system 1 executes the transfer. This allows the margin management system 1 to execute the transfer according to the settings specified by the user, thereby improving user convenience. For example, the margin management system 1 can provide the stop-loss function only to users who require it.

[0121] [6-9. Modification 9] For example, the margin maintenance ratio of the second account changes in real time due to various factors such as exchange rates. As shown in variations 4 to 8, if the margin maintenance ratio of the second account falls, a stop-loss order may be executed, but conversely, the margin maintenance ratio of the second account may also rise. If the margin maintenance ratio of the second account rises, there will be surplus funds in the second account. Therefore, variation 9 explains the case in which surplus funds are returned from the second account, where the margin maintenance ratio has risen, to the first account. The return is a transfer from the second account to the first account.

[0122] The margin management system 1 of Modification 9 includes a return condition determination unit 106 and a return execution unit 107. The return condition determination unit 106 determines, based on the second balance, whether the return conditions for the return from the second account to the first account have been met. The return conditions are the conditions for whether the return execution unit 107 executes the return. The return conditions can also be described as triggers that activate the processing of the return execution unit 107. The return conditions only need to be conditions that can be determined based on the second balance. For example, the return conditions may be conditions that the return condition determination unit 106 can directly determine based on the second balance, or they may be conditions that the return condition determination unit 106 can determine based on other information such as the margin maintenance ratio calculated based on the second balance.

[0123] In Modification 9, an example is given where the condition for a refund is that the margin maintenance ratio exceeds a predetermined refund standard. In this case, the refund standard is the threshold of the margin maintenance ratio. The refund standard may be any value, and may be specified by the user. For example, if the refund standard is 100%, then the condition for a refund is met when the margin maintenance ratio becomes 100% or higher (or exceeds 100%). The data indicating the refund standard is stored in the data storage unit 100. The refund condition determination unit 106 should identify the refund standard based on this data.

[0124] For example, the refund condition determination unit 106 calculates the margin maintenance ratio for a second account based on the second balance of a certain second account. The refund condition determination unit 106 determines whether the refund conditions have been met by determining whether the calculated margin maintenance ratio is equal to or greater than the refund standard. The refund condition determination unit 106 does not determine that the refund conditions have been met if it determines that the margin maintenance ratio is less than the refund standard, but determines that the refund conditions have been met if it determines that the margin maintenance ratio is equal to or greater than the refund standard.

[0125] The method for determining the refund conditions is not limited to the above example. The refund condition determination unit 106 can determine whether the refund conditions have been met using a determination method appropriate to the refund conditions. For example, if the refund condition is that the second balance is equal to or greater than the refund standard, rather than the margin maintenance ratio, the refund condition determination unit 106 can determine whether the refund conditions have been met by determining whether the second balance is equal to or greater than the refund standard. In this case, the refund standard is the threshold for the second balance. If the refund conditions are other conditions (for example, some score calculated based on the second balance), the refund condition determination unit 106 can determine whether the other conditions have been met based on the second balance.

[0126] The refund execution unit 107 executes the refund when it determines that the refund conditions have been met. The refund execution unit 107 executes the refund on the condition that it has been determined that the refund conditions have been met. The refund execution unit 107 executes the refund by transferring funds from the second account to the first account when it has been determined that the refund conditions have been met. The refund execution unit 107 does not execute the refund if it has been determined that the refund conditions have not been met. The refund execution unit 107 can execute the refund at any time. For example, the refund execution unit 107 may execute the refund immediately after it has been determined that the refund conditions have been met, or it may execute the refund when a predetermined refund timing arrives after it has been determined that the refund conditions have been met.

[0127] The return timing may occur periodically. For example, if the return timing occurs every second, the return execution unit 107 may return the surplus funds from the second account to the first account every second if it is determined that the return conditions have been met. The period of the return timing may be specified by a financial institution such as a securities company, or it may be specified by the user. The return execution unit 107 may return the surplus funds all at once, or it may return the surplus funds gradually in multiple installments. If the surplus funds are returned in multiple installments, the transfer amount in each transfer may be any amount. For example, the transfer amount may be specified by a financial institution such as a securities company, or it may be specified by the user.

[0128] Figure 15 shows an example of a refund method in Modification Example 9. In the example in Figure 15, the margin maintenance ratio of the second account (index CFD) is equal to or greater than the refund standard (e.g., 100%). The refund condition determination unit 106 determines that the refund conditions for the second account (index CFD) have been met. The refund condition determination unit 106 determines that the margin maintenance ratios for the second account (commodity CFD), the second account (variety CFD), and the second account (stock CFD) are all below the refund standard. The refund condition determination unit 106 does not determine that the refund conditions for the second account (commodity CFD), the second account (variety CFD), and the second account (stock CFD) have been met.

[0129] For example, the refund execution unit 107 calculates the surplus amount based on the margin maintenance ratio of the second account (index CFD). That is, it calculates the surplus amount resulting from the margin maintenance ratio of the second account (index CFD) exceeding the refund threshold. Based on the calculated surplus amount, the refund execution unit 107 executes a refund from the second account (index CFD) to the first account. If the surplus amount is 100,000 yen, the refund execution unit 107 transfers 100,000 yen to the first account. As mentioned above, the refund execution unit 107 may transfer 100,000 yen to the first account in multiple installments.

[0130] The user may also specify the settings for the refund function in Modification Example 9. That is, the refund function in Modification Example 9 may be executed based on the settings specified by the user. The setting may be the on / off state of the refund function, or it may be the condition for the refund function to be activated. The user may also specify the settings for the refund function for each second account. The refund execution unit 107 may execute the refund based on the settings specified by the user. Similar to Modification Example 8, the settings specified by the user may be stored in the account database DB.

[0131] The margin management system 1 in Modification 9 determines, based on the second account balance, whether the conditions for returning funds from the second account to the first account have been met. If the margin management system 1 determines that the conditions for returning funds have been met, it executes the return. This prevents excess funds from remaining in the second account, thereby improving user convenience. Users can utilize their funds efficiently.

[0132] Furthermore, the margin management system 1 may include only the functions described in Modification 9, and not the functions described in the embodiment. That is, the margin management system 1 may include the return condition determination unit 106 and the return execution unit 107 described in Modification 9, and not the second balance acquisition unit 101, replenishment condition determination unit 102, and replenishment execution unit 103 described in the embodiment. Even in such a case, the margin management system 1 can solve the problem of preventing surplus funds from remaining in the second account and improving user convenience. This disclosure also includes embodiments that solve only the problem described in Modification 9, and not the problem described in the section on the problem the invention aims to solve. Such embodiments are also within the scope of this disclosure.

[0133] [6-10. Other variations] For example, the above variations may be combined.

[0134] For example, in Modification 8, the case where the user specifies the stop-loss function settings in Modification 4 is given as an example, but the user may also specify the settings for the execution-time replenishment function in the embodiment. That is, the execution-time replenishment function in the embodiment and Modifications 1 to 3 may be executed based on the settings specified by the user. The setting may correspond to turning the execution-time replenishment function on or off, or it may correspond to the conditions under which the execution-time replenishment function is activated. The user may also specify the settings for the execution-time replenishment function for each second account. The replenishment execution unit 103 may execute the execution-time replenishment based on the settings specified by the user.

[0135] For example, the functions described as being implemented on server 10 may be implemented on user terminal 20 or another computer. The processing described as being implemented on server 10 may be shared among multiple computers.

[0136] [7. Addendum] For example, a margin management system can be configured as follows: (1) A second account into which transfers are made from a first account for managing the source of margin in financial transactions, and a second balance acquisition unit that acquires the second balance, which is the balance of the second account for managing the margin, A replenishment condition determination unit determines whether the replenishment conditions for replenishing the margin using the first account are met based on the second balance, A replenishment execution unit that performs the replenishment when it is determined that the replenishment conditions have been met, A margin management system that includes this. (2) The replenishment condition determination unit determines whether the replenishment condition is met by determining whether the second balance is sufficient for the execution of the order in the financial transaction. The replenishment execution unit, when it determines that the second balance is insufficient, executes the replenishment so that the order is executed. (1) The margin management system described above. (3) The replenishment execution unit, when it determines that the second balance is insufficient, performs the replenishment by transferring funds from the first account to the second account so that the second balance becomes sufficient. (2) The margin management system described above. (4) The margin management system further includes a first balance acquisition unit that acquires a first balance which is the balance of the first account, The aforementioned supplement execution unit, If it is determined that the second balance is insufficient, then it is determined whether the first balance is sufficient for the replenishment. If it is determined that the first balance is sufficient, the replenishment will be carried out based on the first account. If it is determined that the balance of the first account is insufficient, the replenishment will be carried out based on the first account and the other second account. (2) or (3) The margin management system described above. (5) Multiple accounts 2 are associated with the aforementioned first account. The second balance acquisition unit acquires the second balance of the second account subject to the contract, which is the second account subject to the contract, from among the plurality of second accounts. The replenishment condition determination unit determines whether the second balance of the second account subject to the agreement is sufficient, The replenishment execution unit, when it determines that the second balance is insufficient in multiple of the second accounts subject to the contract, executes the replenishment for each of the multiple second accounts subject to the contract. A margin management system as described in any of (2) to (4). (6) The margin management system further includes a first balance acquisition unit that acquires a first balance which is the balance of the first account, The aforementioned supplement execution unit, Determine whether the first balance is sufficient to replenish each of the multiple contract target second accounts. If it is determined that the first balance is sufficient, the replenishment will be performed for each of the multiple contract target second accounts based on the first account. If it is determined that the first balance is insufficient, the replenishment will be carried out on at least some of the multiple target second accounts based on a predetermined priority order. (5) The margin management system described above. (7) The supplementation condition determination unit is, Based on the second balance, the margin maintenance ratio for the second account is obtained. The replenishment condition is determined by determining whether the margin maintenance ratio has fallen below the threshold for stop-loss orders in the financial transaction. The replenishment execution unit, when it determines that the margin maintenance ratio has fallen below the threshold, performs the replenishment by transferring funds from the first account to the second account in order to prevent a stop-loss determination from occurring. A margin management system as described in any of (1) to (6). (8) The margin management system further includes a first balance acquisition unit that acquires a first balance which is the balance of the first account, The aforementioned supplement execution unit, If it is determined that the margin maintenance ratio falls below the threshold, it is determined whether the first balance is sufficient to prevent the stop-loss determination from occurring. If it is determined that the balance of the first account is sufficient, the transfer will be executed based on the first account. If it is determined that the balance of the first account is insufficient, the transfer will be executed based on the first account and the other second account. (7) The margin management system described above. (9) Multiple accounts 2 are associated with the aforementioned first account. The second balance acquisition unit acquires the second balance of each of the plurality of second accounts, The supplementation condition determination unit is, Based on the second balance of each of the plurality of second accounts, the margin maintenance ratio of the second account is obtained. Determine whether the margin maintenance ratio of each of the plurality of second accounts falls below the threshold. The replenishment execution unit executes the transfer to each of the multiple second accounts subject to stop-loss when it is determined that the margin maintenance ratio has fallen below the threshold in the second account subject to stop-loss, which is the second account subject to stop-loss, and the margin maintenance ratio has fallen below the threshold in multiple second accounts subject to stop-loss. (7) or (8) The margin management system described above. (10) The margin management system further includes a first balance acquisition unit that acquires a first balance which is the balance of the first account, The aforementioned supplement execution unit, Determine whether the first balance is sufficient for the transfer to each of the aforementioned second accounts subject to stop-loss orders. If it is determined that the first balance is sufficient, the transfer will be executed from the first account to each of the multiple second accounts subject to stop-loss orders. If it is determined that the first balance is insufficient, the transfer will be executed to at least some of the second accounts subject to stop-loss orders, based on a predetermined priority order. (9) The margin management system described above. (11) The margin management system further includes a setting acquisition unit that acquires the settings related to the transfer specified by the user, The replenishment execution unit performs the transfer based on the settings. A margin management system as described in any of (7) to (10). (12) The aforementioned margin management system is: A return condition determination unit that determines whether the return conditions for the return from the second account to the first account have been met based on the second balance, If it is determined that the aforementioned return conditions have been met, the return execution unit will execute the return, A margin management system described in any of (1) to (11), further including the above. [Explanation of symbols]

[0137] 1 Margin management system, N Network, 10 Server, 11,21 Control unit, 12,22 Storage unit, 13,23 Communication unit, 20 User terminal, 24 Operation unit, 25 Display unit, DB Account database, 100 Data storage unit, 101 Second balance acquisition unit, 102 Replenishment condition determination unit, 103 Replenishment execution unit, 104 First balance acquisition unit, 105 Setting acquisition unit, 106 Return condition determination unit, 107 Return execution unit.

Claims

1. A second account into which transfers are made from a first account for managing the source of margin in financial transactions, and a second balance acquisition unit that acquires the second balance, which is the balance of the second account for managing the margin, A replenishment condition determination unit determines whether the replenishment conditions for replenishing the margin using the first account are met based on the second balance, A replenishment execution unit that performs the replenishment when it is determined that the replenishment conditions have been met, A margin management system that includes this.

2. The replenishment condition determination unit determines whether the replenishment condition is met by determining whether the second balance is sufficient for the execution of the order in the financial transaction. The replenishment execution unit, when it determines that the second balance is insufficient, executes the replenishment so that the order is executed. The margin management system according to claim 1.

3. The replenishment execution unit, when it determines that the second balance is insufficient, performs the replenishment by transferring funds from the first account to the second account so that the second balance becomes sufficient. The margin management system according to claim 2.

4. The margin management system further includes a first balance acquisition unit that acquires a first balance which is the balance of the first account, The aforementioned supplement execution unit, If it is determined that the second balance is insufficient, then it is determined whether the first balance is sufficient for the replenishment. If it is determined that the first balance is sufficient, the replenishment will be carried out based on the first account. If it is determined that the balance of the first account is insufficient, the replenishment will be carried out based on the first account and the other second account. The margin management system according to claim 2 or 3.

5. Multiple accounts are associated with the aforementioned first account. The second balance acquisition unit acquires the second balance of the second account subject to the contract, which is the second account subject to the contract, from among the plurality of second accounts. The replenishment condition determination unit determines whether the second balance of the second account subject to the agreement is sufficient, The replenishment execution unit, when it determines that the second balance is insufficient in any of the multiple second accounts subject to the contract, executes the replenishment for each of the multiple second accounts subject to the contract. The margin management system according to claim 2 or 3.

6. The margin management system further includes a first balance acquisition unit that acquires a first balance which is the balance of the first account, The aforementioned supplement execution unit, It is determined whether the first balance is sufficient to replenish each of the multiple contract target second accounts. If it is determined that the first balance is sufficient, the replenishment of each of the multiple contract target second accounts is performed based on the first account. If it is determined that the first balance is insufficient, the replenishment will be carried out for at least some of the multiple contract target second accounts based on a predetermined priority order. The margin management system according to claim 5.

7. The supplementation condition determination unit is, Based on the second balance, the margin maintenance ratio for the second account is obtained. The replenishment condition is determined by determining whether the margin maintenance ratio has fallen below the threshold for stop-loss orders in the financial transaction. The replenishment execution unit, when it determines that the margin maintenance ratio has fallen below the threshold, performs the replenishment by transferring funds from the first account to the second account in order to prevent a stop-loss determination from occurring. A margin management system according to any one of claims 1 to 3.

8. The margin management system further includes a first balance acquisition unit that acquires a first balance which is the balance of the first account, The aforementioned supplement execution unit, If it is determined that the margin maintenance ratio falls below the threshold, it is determined whether the first balance is sufficient to prevent the stop-loss determination from occurring. If it is determined that the balance of the first account is sufficient, the transfer will be executed based on the first account. If it is determined that the balance of the first account is insufficient, the transfer will be executed based on the first account and the other second account. The margin management system according to claim 7.

9. Multiple accounts are associated with the aforementioned first account. The second balance acquisition unit acquires the second balance of each of the plurality of second accounts, The supplementation condition determination unit is, Based on the second balance of each of the plurality of second accounts, the margin maintenance ratio of the second account is obtained. Determine whether the margin maintenance ratio of each of the plurality of second accounts falls below the threshold. The replenishment execution unit executes the transfer to each of the multiple second accounts subject to stop-loss when it is determined that the margin maintenance ratio has fallen below the threshold in the second account subject to stop-loss, which is the second account subject to stop-loss, and the margin maintenance ratio has fallen below the threshold in multiple second accounts subject to stop-loss. The margin management system according to claim 7.

10. The margin management system further includes a first balance acquisition unit that acquires a first balance which is the balance of the first account, The aforementioned supplement execution unit, Determine whether the first balance is sufficient for the transfer to each of the aforementioned second accounts subject to stop-loss orders. If it is determined that the first balance is sufficient, the transfer will be executed based on the first account to each of the multiple second accounts subject to stop-loss orders. If it is determined that the first balance is insufficient, the transfer will be executed to at least some of the second accounts subject to stop-loss orders, based on a predetermined priority order. The margin management system according to claim 9.

11. The margin management system further includes a setting acquisition unit that acquires the settings related to the transfer specified by the user, The replenishment execution unit performs the transfer based on the settings. The margin management system according to claim 7.

12. The aforementioned margin management system is: A return condition determination unit that determines whether the return conditions for the return from the second account to the first account have been met based on the second balance, If it is determined that the aforementioned return conditions have been met, the return execution unit will execute the return, A margin management system according to any one of claims 1 to 3, further comprising:

13. A second account into which transfers are made from a first account for managing the source of margin in financial transactions, and a second balance acquisition step of acquiring the second balance which is the balance of the second account for managing the margin, A replenishment condition determination step, which determines whether the replenishment conditions for replenishing the margin using the first account are met based on the second balance, If it is determined that the aforementioned replenishment conditions have been met, a replenishment execution step is performed to carry out the replenishment, A margin management method that includes this.

14. A second account into which transfers are made from a first account for managing the source of margin in financial transactions, and a second balance acquisition unit that acquires the second balance, which is the balance of the second account for managing the margin. A replenishment condition determination unit determines whether the replenishment conditions for replenishing the margin using the first account are met, based on the second balance. If it is determined that the above-mentioned replenishment conditions have been met, a replenishment execution unit executes the replenishment. A program that makes a computer function.

Images