Asset management systems, asset management methods, and programs

Abstract

To provide an asset management system that allows even small investments to be invested in a variety of financial products. [Solution] The asset management system includes: an asset management management unit that acquires first asset management group information relating to a first asset management group having a plurality of first members and established by the capital contributions of each of the plurality of first members, and generates an asset management group database based on the first asset management group information; a portfolio acquisition unit that acquires a first asset management group portfolio generated based on the profit and loss amount obtained from the management of the total assets of the first asset management group; and a portfolio transmission unit that, upon receiving a request instruction from the information communication terminal of a first member, transmits the first asset management group portfolio to the information communication terminal.

Description

Technical Field

[0001] One embodiment of the present invention relates to an asset management system. Another embodiment of the present invention relates to an asset management method. Another embodiment of the present invention relates to a program used in an asset management system.

Background Art

[0002] A low interest rate policy has continued to cope with the rapid economic recession after the collapse of the bubble economy, and the profit obtained by savings remains low. Therefore, in recent years, the Japanese government has been promoting investment as one of its policies for the purpose of circulating individual savings in the market to expand the market and to form individual assets. For example, NISA (Nippon Individual Savings Account) is known as a tax preferential system for individual investors promoted by the Japanese government. In addition, a support device has been proposed for smoothly and efficiently supporting the asset management targeted by investors (see Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] NISA is a system in which profits obtained from stocks, investment trusts, etc. are non-taxable for investments within a certain range. However, NISA is a tax preferential system for small-scale investments, and the tax system is not preferential for investments exceeding the limit amount. There are not a few voices from individual investors who desire to further form assets through small-scale investments.

[0005] One embodiment of the present invention aims to provide an asset management system that allows investment in a variety of financial products even with small investments. Another embodiment of the present invention aims to provide an asset management method that allows investment in a variety of financial products even with small investments. Another embodiment of the present invention aims to provide a program used in an asset management system. [Means for solving the problem]

[0006] An asset management system according to one embodiment of the present invention includes: an asset management management unit that acquires first asset management group information relating to a first asset management group having a plurality of first members and established by the capital contributions of each of the plurality of first members, and generates an asset management group database based on the first asset management group information; a portfolio acquisition unit that acquires a first asset management group portfolio generated based on the profit and loss amount obtained from the management of the total assets of the first asset management group; and a portfolio transmission unit that, upon receiving a request instruction from an information communication terminal of a first member, transmits the first asset management group portfolio to the information communication terminal.

[0007] The asset management system may also include an audit information acquisition unit that communicates with the audit firm's server and acquires audit information regarding the audit of the first asset management group from the audit firm's server.

[0008] The Asset Management Department may further acquire information on a second asset management group having multiple second members and being established by the capital contributions of each of the multiple second members, and generate an asset management group database based on the second asset management group information. The Portfolio Acquisition Department may further acquire a second asset management group portfolio generated based on the profit and loss amount obtained from the management of the total assets of the second asset management group.

[0009] When one of several first members changes their affiliation from the first asset management group to the second asset management group, the asset management department may generate an asset management group database such that the member's share is transferred from the first asset management group information to the second asset management group information.

[0010] The multiple first members include a company and multiple employees who have employment contracts with the company, and the first asset management group portfolio may include changes in the company's ownership percentage and the ownership percentages of the multiple employees.

[0011] If the company's ownership stake is less than 30% of the total number of shares held by the first asset management group, the asset management department may restrict the purchase of shares so that multiple employees cannot purchase shares.

[0012] When one of several first members terminates their employment contract with the company, the asset management department may generate an asset management group database to transfer the member's share to the company's share.

[0013] The first asset management group portfolio may include advertisements related to the first asset management group information or the information of the first member in the asset management group database.

[0014] An asset management method according to one embodiment of the present invention acquires information about a first asset management group having a plurality of first members and being established by the capital contributions of each of the plurality of first members, generates an asset management group database based on the information about the first asset management group, acquires a first asset management group portfolio generated based on the profit and loss amount obtained from the management of the total assets of the first asset management group, and transmits the first asset management group portfolio to the information communication terminal when a request instruction is received from the information communication terminal of a first member.

[0015] The asset management method may also be connected to the audit firm's server and obtain audit information regarding the audit of the first asset management group from the audit firm's server.

[0016] The asset management method may further involve obtaining information on a second asset management group having multiple second members and being established by the capital contributions of each of the multiple second members, generating an asset management group database based on the second asset management group information, and obtaining a second asset management group portfolio generated based on the profit and loss amount obtained from managing the total assets of the second asset management group.

[0017] The asset management method may further generate an asset management group database such that when one of the multiple first members changes their affiliation from the first asset management group to the second asset management group, the share of that member is transferred from the first asset management group information to the second asset management group information.

[0018] If the company's ownership stake is less than 30% of the total number of shares held by the first asset management group, the asset management department may restrict the purchase of shares so that multiple employees cannot purchase shares.

[0019] The asset management method may further generate an asset management group database that transfers the member's share to the company's share when one of the multiple first members terminates their employment contract with the company.

[0020] A program according to one embodiment of the present invention causes a computer to execute the above-described asset management method. [Effects of the Invention]

[0021] According to an embodiment of the present invention, even a small investment by an individual can be applied to various financial products. Therefore, it is possible to promote individual investment and achieve individual asset formation. Further, according to an embodiment of the present invention, the opportunity for an individual to buy and sell shares can be increased. Therefore, the opportunity for individual asset formation can be increased, the trading frequency of financial products can be increased, and the value of financial products can be enhanced.

Brief Description of the Drawings

[0022] [Figure 1] It is a schematic diagram for explaining the usage mode of an asset management system according to an embodiment of the present invention. [Figure 2] It is a block diagram for explaining the configuration of an asset management system according to an embodiment of the present invention. [Figure 3] It is a sequence diagram for explaining the information processing of an asset management system according to an embodiment of the present invention. [Figure 4] It is a schematic diagram for explaining a modification example of the usage mode of an asset management system according to an embodiment of the present invention. [Figure 5] It is an example of a portfolio provided in an asset management system according to an embodiment of the present invention. [Figure 6] It is an example of a portfolio provided in an asset management system according to an embodiment of the present invention. [Figure 7] It is a block diagram for explaining the configuration of an asset management system according to an embodiment of the present invention. [Figure 8] It is a schematic diagram for explaining the usage mode of an asset management system according to an embodiment of the present invention. [Figure 9A] It is a schematic diagram for explaining the usage mode of an asset management system according to an embodiment of the present invention. [Figure 9B] It is a schematic diagram for explaining the usage mode of an asset management system according to an embodiment of the present invention. [Figure 10] It is a block diagram for explaining the configuration of an asset management system according to an embodiment of the present invention. [Modes for carrying out the invention]

[0023] Hereinafter, one embodiment of the present invention will be described in detail with reference to the drawings. Each embodiment described below is an example, and the present invention is not limited to each embodiment. That is, the present invention can be implemented in various forms by applying known technologies to each embodiment and making modifications.

[0024] In this specification, the characters such as "1st," "2nd," or "3rd" attached to the constituent elements are merely convenient indicators used to distinguish each constituent element, and unless otherwise specified, they have no further meaning.

[0025] In this invention, "financial product" refers to a product traded by a financial institution (for example, a bank, securities company, or insurance company). For example, "financial products" include, but are not limited to, deposits, investment trusts, stocks, corporate bonds, government bonds, or insurance. "Financial products" are not limited to movable property, but may also include immovable property.

[0026] In this invention, "asset management company" refers to a company that takes custody of investors' assets and manages those assets. An "asset management company" includes not only companies that manage assets as financial products (asset management companies) but also companies that sell financial products (sales companies). For example, an "asset management company" is a bank, a securities company, or an insurance company, but is not limited to these.

[0027] In this specification, "server" means a computer that can provide specific services over a network. A server is a computer such as a workstation or personal computer, and includes a central processing unit (CPU) as a means of calculation and random access memory (RAM) as a means of storage. A server may also include a communication interface, a user interface, or storage. In a server, the CPU, memory, storage, and communication interface may be electrically connected by a communication bus or connected by cloud computing. A server may be a single computer or multiple computers.

[0028] In this specification, "program" means an instruction or set of instructions executed by a processor via arithmetic means in a computer. A "program" may be stored in the storage means of the computer.

[0029] In this specification, "information and communication terminal" refers to an information device that can access information through a network. For example, an "information and communication terminal" is a mobile phone, smartphone, tablet, or personal computer, but is not limited to these.

[0030] In this specification, "network" refers to a system that connects multiple computers by wire or wireless means, enabling them to communicate with each other. For example, "network" may include, but is not limited to, the Internet or an intranet.

[0031] The following embodiments can be combined with each other, provided that no technical inconsistencies arise.

[0032] <First Embodiment> An asset management system 10 according to one embodiment of the present invention will be described with reference to Figures 1 to 3.

[0033] [1. Usage patterns of asset management system 10] Figure 1 is a schematic diagram illustrating how an asset management system 10 according to one embodiment of the present invention is used.

[0034] The configuration of the asset management system 10 will be described later, but the asset management system 10 is a system for managing the total assets of an asset management group 1000 having multiple members 1010. The asset management group 1000 manages the capital contributions provided by the multiple members 1010, and the profits obtained are distributed to each member 1010 belonging to the asset management group 1000 according to their investment ratio (share). For example, the asset management group 1000 may be a limited partnership, an arbitrary partnership, or a partnership, but is not limited to these. In the case of a limited partnership, there is the advantage that profits obtained from the management of the limited partnership's total assets are not taxed.

[0035] Even if each of the 1010 members contributes only a small amount, the total assets of the asset management group 1000 become substantial when combined with contributions from multiple members. Therefore, by managing the total assets of the asset management group 1000, it becomes possible to invest in financial products 1300 that would otherwise be unaffordable with small investments. In other words, it becomes possible to invest in financial products 1300 that would otherwise be unaffordable for individuals with small investments, allowing individuals to invest in a diverse range of financial products 1300 even with small investments.

[0036] In practice, asset management group 1000 enters into a mandate agreement with asset management company 1200, and asset management company 1200 invests asset management group 1000's total assets in financial product 1300. Asset management company 1200 prepares a portfolio of the financial product 1300 held by asset management group 1000 and provides it to asset management group 1000. Asset management company 1200 also requests auditing firm 1400 to audit asset management group 1000's financial status and receives an audit report, including an audit certificate. Although Figure 1 only shows auditing firm 1400, asset management company 1200 receives not only the audit report but also other documents necessary for the management of asset management group 1000's total assets. Asset management company 1200 provides the received documents to asset management group 1000.

[0037] While managing the total assets of the asset management group 1000 enables investment in a diverse range of financial products 1300, it also involves many cumbersome procedures through the asset management company 1200, such as the provision of the portfolio and audit reports mentioned above. Therefore, to create an environment that facilitates the management of the total assets of the asset management group 1000, the asset management system 10 is used.

[0038] Furthermore, as shown in Figure 1, the asset management system 10 is a system that can be used not only by one asset management group 1000, but by multiple asset management groups 1000. For example, the asset management system 10 can be used by multiple asset management groups 1000 classified by the type of financial product 1300, such as an asset management group 1000 that aims to invest in stable financial products 1300 and an asset management group 1000 that aims to invest in high-risk, high-return financial products 1300. In this case, members 1010 can decide which asset management group 1000 to belong to according to the type of financial product 1300.

[0039] As mentioned above, multiple asset management groups 1000 can be established based on the classification of financial products 1300, but are not limited to this. Asset management groups 1000 can also be established based on information about their members 1010. For example, an asset management group 1000 can be established with employees from the same company as its members 1010. Alternatively, even if the companies are different, an asset management group 1000 can be established with individuals from the same industry (e.g., manufacturing or service industry) or individuals with the same qualifications (e.g., lawyer or patent attorney) as its members 1010.

[0040] [2. Configuration of Asset Management System 10] Figure 2 is a block diagram illustrating the configuration of an asset management system 10 according to one embodiment of the present invention.

[0041] As shown in Figure 2, the asset management system 10 includes an asset management server 100. The asset management server 100 can communicate with the asset management company server 200 and the audit firm server 400 via a network NW. The asset management company server 200 is a server used in the operations of the asset management company 1200. For example, the asset management company server 200 can communicate with the financial product server 300 via a network NW to conduct transactions of financial products 1300. The audit firm server 400 is a server used in the operations of the audit firm 1400. The asset management company server 200 can also communicate with information and communication terminals 500 used by members 1010 of the first asset management group 1000-1 and the second asset management group 1000-2 via a network NW. Although Figure 2 shows two asset management groups 1000 (the first asset management group 1000-1 and the second asset management group 1000-2) for the sake of explanation, as mentioned above, the asset management system 10 can be used by multiple asset management groups 1000.

[0042] The asset management server 100 includes a control unit 110 and a storage unit 120. The control unit 110 performs information processing using information or data. By executing a program via a processor, the control unit 110 can implement the functions of an asset management unit 111, a portfolio acquisition unit 112, a portfolio transmission unit 113, and an audit information acquisition unit 114. The storage unit 120 stores information or data necessary for the information processing of the control unit 110. The storage unit 120 includes an asset management group database 121, a first asset management group portfolio 122-1, a second asset management group portfolio 122-2, and audit information 123. The asset management group database 121 includes information on the asset management group 1000 (for example, information such as total assets, total number of units, type of financial product, or members belonging to the group, hereinafter referred to as "asset management group information") and information on the members 1010 (information such as investment amount, number of units, ownership ratio, ID, or password, hereinafter referred to as "member information"). The first asset management group portfolio 122-1 is a portfolio based on the profit or loss amount obtained from the management of the total assets of the first asset management group 1000-1. The second asset management group portfolio 122-2 is similar. Audit information 123 is information (e.g., audit report) regarding the audit of the financial condition of the first asset management group 1000-1 or the second asset management group 1000-2.

[0043] The asset management unit 111 performs information processing related to the asset management group 1000 and its members 1010. For example, the asset management unit 111 performs information processing to generate the asset management group database 121.

[0044] The portfolio acquisition unit 112 acquires the first asset management group portfolio 122-1 and the second asset management group portfolio 122-2 transmitted from the asset management company server 200, and stores the acquired first asset management group portfolio 122-1 and the second asset management group portfolio 122-2 in the storage unit 120. The first asset management group portfolio 122-1 is a portfolio of financial instruments held by the first asset management group created by the asset management company 1200. The second asset management group portfolio 122-2 is similar.

[0045] When the portfolio transmission unit 113 receives a portfolio request instruction from the information and communication terminal 500, it retrieves either the first asset management group portfolio 122-1 or the second asset management group portfolio 122-2 from the storage unit 120 and transmits it to the information and communication terminal 500. As a result, the first asset management group portfolio 122-1 or the second asset management group portfolio 122-2 is displayed on the display unit of the information and communication terminal 500, and member 1010 can check the details (e.g., investment performance) of the financial products 1300 held by the first asset management group 1000-1 or the second asset management group 1000-2 to which member 1010 belongs.

[0046] The audit information acquisition unit 114 acquires audit information 123 transmitted from the audit firm server 400 and stores the acquired audit information 123 in the storage unit 120. For example, the audit information 123 is information including an audit report that has been audit certified and prepared by the audit firm 1400.

[0047] Furthermore, if the asset management server 100 is managed by an asset management company 1200, the asset management server 100 may be part of the asset management company server 200. Also, the asset management server 100 may be a separate server from the asset management company server 200 of the asset management company 1200 that actually conducts the 1000 transactions of financial products.

[0048] [3. Information Processing in Asset Management System 10] Figure 3 is a sequence diagram illustrating the information processing of an asset management system 10 according to one embodiment of the present invention.

[0049] Figure 3 shows that the information processing of the asset management system 10 includes the generation of an asset management group database (step S100), the transfer of members' shares (step S200), the registration of an asset management group portfolio (step S300), the registration of audit information (step S400), and the transmission of an asset management group portfolio (step S500). Steps S100 to S500 are part of the information processing performed by the asset management system 10, and the information system performed by the asset management system 10 is not limited to these. The details of each information processing step from S100 to S500 will be described below.

[0050] [3-1. Generation process of asset management group database (Step S100)] In the asset management system 10, information on asset management groups 1000 and their members 1010 is managed by the asset management group database 121. For example, when an asset management group 1000 is newly established, its information is registered in the asset management group database 121. Also, when the information of asset management group 1000 is changed, the asset management group database 121 is updated. Here, the generation process of the asset management group database 121 is described, including not only the registration process but also the update process. Step S100 includes steps S101 and S102.

[0051] In step S101, the asset management company server 200 transmits asset management group information and member information for the newly registered or updated asset management group 1000 to the asset management server 100. At this time, only the necessary information may be transmitted. For example, if there are no changes to the member information, only the asset management group information may be transmitted.

[0052] In step S102, following step S101, the asset management unit 111 generates an asset management group database 121 based on asset management group information and member information. This ensures that the latest information on asset management group 1000 and its members 1010 is reflected in the asset management group database 121.

[0053] [3-2. Transfer of Member's Share (Step S200)] If member 1010 of the first asset management group 1000-1 terminates their contract with the first asset management group 1000-1 and enters into a contract with the second asset management group 1000-2, member 1010's share can be transferred as is between asset management groups 1000 that utilize the asset management system 10. Step S200 includes steps S201 and S202.

[0054] In step S201, the asset management company server 200 sends information about the transfer of a member's (e.g., a change in the asset management group, information about the member's (member's) share) to the asset management server 100.

[0055] In step S202, following step S201, the asset management unit 111 updates the asset management group database 121 based on the equity transfer information. Specifically, in the asset management group database 121, the information of member 1010 and his equity is deleted from the first asset management group 1000-1, and the information of member 1010 and his equity is added to the second asset management group 1000-2.

[0056] In addition, the asset management system 10 allows for the transfer of not only the entire share but also a portion of the share. In this case, in step S202, the information of member 1010 is not deleted from the first asset management group 1000-1 in the asset management group database 121, the amount of the share to be transferred is reduced, and the information of member 1010 and the portion of the share to be transferred is added to the second asset management group 1000-2.

[0057] Furthermore, in the asset management system 10, members 1010 belonging to the first asset management group 1000-1 and the second asset management group 1000-2 can also transfer a portion of their shares from the first asset management group 1000-1 to the second asset management group 1000-2. In this case, in step S202, the asset management group database 121 is configured to decrease the share transferred by member 1010 of the first asset management group 1000-1 and increase the share transferred by member 1010 of the second asset management group 1000-2.

[0058] [3-3. Registration process for asset management group portfolios (Step S300)] Step S300 includes steps S301 and S302.

[0059] In step S301, the asset management group portfolio 122 created at the asset management company 1200 is sent from the asset management company server 200 to the asset management server 100.

[0060] In step S302, following step S301, the portfolio acquisition unit 112 acquires the asset management group portfolio 122 and stores the acquired asset management group portfolio 122 in the storage unit 120. The asset management group portfolio 122 contains at least a portion of the asset management group information. Therefore, the asset management group portfolio 122 can be stored in the storage unit 120 in association with the asset management group 1000 identified from the asset management group information. In other words, the portfolio acquisition unit 112 can register the asset management group portfolio 122 in association with the financial instruments held by the asset management group 1000.

[0061] [3-4. Audit Information Registration Process (Step S400)] Step S400 includes steps S401 and S402.

[0062] In step S401, audit information 123, including the audit report prepared by audit firm 1400, is transmitted from audit firm server 400 to asset management server 100.

[0063] In step S402, following step S401, the audit information acquisition unit 114 acquires audit information 123 and stores the acquired audit information 123 in the storage unit 120. The audit information 123 includes at least a portion of the asset management group information. Therefore, the audit information 123 can be stored in the storage unit 120 in association with the asset management group 1000 identified from the asset management group information. In other words, the audit information acquisition unit 114 can register the audit information 123 in association with the financial instruments held by the asset management group 1000.

[0064] [3-5. Processing the transmission of asset management group portfolios (Step S500)] Step S500 includes steps S501 to S503.

[0065] In step S501, a portfolio request instruction is sent from the information and communication terminal 500 to the asset management server 100. For example, by accessing a site provided by the asset management system 10 (hereinafter referred to as the "asset management site") from the information and communication terminal 500 and clicking a predetermined icon on the site, a portfolio request instruction is generated and sent to the asset management server 100. When accessing the asset management site, it is preferable that the ID and password of member 1010 are entered. By determining the ID, the asset management group 1000 to which member 1010 belongs can be identified.

[0066] In step S502, following step S501, the portfolio transmission unit 113 identifies the asset management group 1000 to which member 1010 belongs and retrieves the asset management group portfolio 122 of the asset management group 1000 to which member 1010 belongs from the storage unit.

[0067] In step S503, following step S502, the portfolio transmission unit 113 transmits the asset management group portfolio 122 acquired in step S502 to the information and communication terminal 500. When the asset management group portfolio 122 is received by the information and communication terminal 500, the asset management group portfolio is displayed on the display unit of the information and communication terminal 500, and the member 1010 can confirm the contents of the financial products 1300 held by the asset management group 1000 to which the member 1010 belongs.

[0068] Step S500 is not limited to the information processing configuration described above. For example, in step S501, a portfolio request instruction may be generated when the information communication terminal 500 accesses the asset management site. In this case, the asset management group portfolio 122 can be displayed as the screen displayed after accessing the asset management site.

[0069] As explained above, according to this embodiment, even with small capital contributions from members 1010, the total assets of the asset management group 1000 become substantial, enabling investment in a variety of financial products 1300 by managing the large total assets of the asset management group 1000. Furthermore, members 1010 can check the contents of the financial products 1300 held by the asset management group 1000 by using the asset management system 10. Therefore, by using the asset management system 10, investment by members 1010 can be promoted, and asset building by members 1010 can be facilitated.

[0070] <Example 1> A modified example of the asset management system 10 will be described with reference to Figures 4 and 5. Note that in this modified example, explanations of configurations similar to those in the asset management system 10 described above may be omitted.

[0071] Figure 4 is a schematic diagram illustrating a modified example of how the asset management system 10 according to one embodiment of the present invention can be used.

[0072] In this modified example, member 1010 belonging to asset management group 1000 is company 1020 and employee 1030 who has an employment contract with company 1020. Thus, member 1010 is not limited to an individual, but may be a company, legal entity, or organization. Companies 1020 belonging to multiple asset management groups 1000 may be the same company or different companies.

[0073] In this modified example, the asset management group 1000 can be established with capital contributed solely by company 1020. Subsequently, the total assets of the asset management group 1000 are divided into predetermined units. Employees 1030 can enter into a contract with the asset management group 1000 and purchase their desired number of units, thereby owning a share of the financial products 1300 held by the asset management group 1000 in proportion to their unit purchases. In other words, the asset management group 1000 can hold the financial products 1300 in proportion to the respective shares of company 1020 and employee 1030.

[0074] Furthermore, in this modified version, the share of employee 1030 can be transferred without increasing or decreasing the total assets of asset management group 1000. For example, if employee 1030 leaves company 1020, company 1020 purchases the share of the departing employee 1030. Although company 1020's share increases, the total assets of asset management group 1000 do not change, thus preventing the financial processing of asset management group 1000 from becoming complicated. Also, since the purchase of the share is between company 1020 and employee 1030, no fees are incurred.

[0075] Figure 5 shows an example of an asset management group portfolio 122 provided in an asset management system 10 according to one embodiment of the present invention.

[0076] Figure 5 shows the asset management group portfolio 122, which includes the name of asset management group 1000 ("Kuniumi Cooperative Group 1" in the figure), the total assets of asset management group 1000 ("102,095,884" in the figure), the total number of units of financial products 1300 held by asset management group 1000 ("180" in the figure), the unit price of financial products 1300 ("567,199" in the figure), and investment performance data. The investment performance data shows the respective ownership percentages of company 1020 and employee 1030. Therefore, employee 1030 can view the asset management group portfolio 122 to check not only the asset value of the financial products 1300 they hold, but also their ownership percentage of company 1020. If the ownership percentage of company 1020 is decreasing, it indicates that many employees 1030 are proactively purchasing shares of company 1020. Based on these trends, employee 1030 can decide whether or not to purchase further shares of company 1020.

[0077] Furthermore, the ownership stake of company 1020 is preferably 30% or more of the total number of shares held by the asset management group, and more preferably 40% or more. A high ownership stake in company 1020 provides employees 1030 with the reassurance that they can always purchase shares in company 1020. Therefore, to ensure that the ownership stake of company 1020 does not fall below a predetermined percentage, the asset management system 10 can also restrict the purchase of shares by the asset management department 111 if the ownership stake of company 1020 falls below a predetermined percentage (for example, 30% or 40%), preventing employees 1030 from purchasing shares.

[0078] According to this modified model, the total assets of an asset management group 1000, each comprised of 1020 companies, can be managed to invest in a diverse range of financial products 1300. Furthermore, employees 1030 will purchase shares in the financial products 1300 held by companies 1020, thus enabling them to invest in reliable financial products 1300. Additionally, employees 1030 will buy and sell their shares with companies 1020, allowing them to trade their shares without paying fees. This increases the opportunities for employees 1030 to buy and sell their shares.

[0079] <Modification 2> Referring to Figure 6, another modified example of the asset management system 10 will be described. Note that in this modified example, explanations of configurations similar to those in the asset management system 10 described above may be omitted.

[0080] Figure 6 shows an example of an asset management group portfolio 122 provided in an asset management system 10 according to one embodiment of the present invention.

[0081] The asset management group portfolio 122 in Figure 6 shows advertisements (labeled "<Advertisement>" in the figure). For example, the target of the advertisements may be a company or financial product, but is not limited to these. Employee 1030 will see the advertisements when checking the asset management status of asset management group 1000. Therefore, if employee 1030 sees an advertisement and becomes interested, they can approach the target of the advertisement. The displayed advertisements may be made clickable, allowing access to the website of the advertised target.

[0082] In this modified example, the portfolio transmission unit 113 determines which advertisements to include in the asset management group portfolio 122 based on information about the asset management group 1000 or its members 1010 in the asset management group database 121. For example, the portfolio transmission unit 113 can refer to the address of employee 1030 and select advertisements for nearby insurance company agencies. In this case, since the advertisements are for the area where employee 1030 lives, it also contributes to revitalizing the local industry.

[0083] According to this modified example, based on the information of the asset management group 1000 or its members 1010 held by the asset management system 10, advertisements related to the asset management group 1000 or its members 1010 can be provided to the members 1010. Therefore, in addition to asset management through investment, various services that may interest the members 1010 can be provided to the members 1010.

[0084] <Variation 3> Referring to Figure 7, a further modification of asset management system 10, asset management system 10A, will be described. Note that in this modification, explanations of configurations similar to those of asset management system 10 described above may be omitted.

[0085] Figure 7 is a block diagram illustrating the configuration of an asset management system 10A according to one embodiment of the present invention.

[0086] As shown in Figure 7, the asset management system 10A includes an asset management server 100B. The asset management server 100A includes a control unit 110A and a storage unit 120. The control unit 110A includes an asset management unit 111, a portfolio generation unit 112A, a portfolio transmission unit 113, and an audit information acquisition unit 114. In other words, in the asset management system 10A, the control unit 110A can implement the portfolio generation unit 112A as a function by executing a program via a processor.

[0087] The asset management group database 121 of the asset management system 10A stores data related to the generation of portfolios calculated based on investment performance data. In other words, the asset management group database 121 stores the data necessary for asset management company 1200 to create portfolios. Therefore, the portfolio generation unit 112A can generate the first asset management group portfolio 122-1 and the second asset management group portfolio 122-2 for the first asset management group 1000-1 and the second asset management group 1000-2, respectively, based on the information and data in the asset management group database 121.

[0088] In this way, the asset management system 10A can generate portfolios for each of the multiple asset management groups 1000 from the information and data stored in the asset management group database 121.

[0089] Furthermore, in the asset management system 10A, the audit firm server 400 communicates with the asset management server 100A, and the audit firm server 400 can also obtain the information and data necessary for creating an audit report from the information and data stored in the asset management group database 121. As a result, the audit firm 1400 can obtain the necessary information and data and create an audit report simply by accessing the asset management server 100A, without having to directly request it from the asset management company 1200.

[0090] Furthermore, the operational performance data may be data that is input or generated on the asset management company server 200 and transmitted to the asset management server 100A, or it may be data that is input or generated on a server of a company other than the asset management company (for example, a computing center) and transmitted.

[0091] According to this modified version, the asset management system 10A can use the information and data of the asset management group database 121 to automatically create each portfolio of the asset management group 1000. This increases the frequency of portfolio generation, allowing member 1010 to check the latest information on financial instruments 1300 held by the first asset management group 1000-1 or the second asset management group 1000-2 to which member 1010 belongs, in real time or with little delay from the transaction of financial instruments 1300. Furthermore, the auditing firm 1400 can access the asset management server 100A, obtain the information and data of the asset management group database 121, and prepare an audit report. This increases the frequency of audits regarding financial status and ensures the transparency and reliability of asset management. Therefore, member 1010 can use the asset management system 10A to build assets safely and with peace of mind.

[0092] <Second Embodiment> Referring to Figure 8, an asset management system 10 according to one embodiment of the present invention will be described. In this embodiment, the description of components similar to those described in the asset management system 10 in the first embodiment may be omitted.

[0093] Figure 8 is a schematic diagram illustrating how the asset management system 10 according to one embodiment of the present invention is used.

[0094] The asset management system 10 can be used by asset management companies 1200 with different business models. Figure 8 shows a first asset management company 1210 and a second asset management company 1220. For example, the first asset management company 1210 and the second asset management company 1220 are a securities company and an insurance company, respectively. The asset management group 1000 can divide its total assets and invest not only in the first financial product 1310 traded by the first asset management company 1210, but also in the second financial product 1320 traded by the second asset management company 1220, thereby holding a diverse range of financial products 1300.

[0095] According to this embodiment, by using the asset management system 10, the asset management group 1000 can manage its large total assets and invest in a variety of financial products 1300 with different business models.

[0096] <Third Embodiment> An asset management system 10B according to one embodiment of the present invention will be described with reference to Figures 9A, 9B, and 10. In this embodiment, the description of components similar to those of the asset management system 10 described in the first embodiment may be omitted.

[0097] [1. Usage of Asset Management System 10B] Figures 9A and 9B are schematic diagrams illustrating the usage of the asset management system 10B according to one embodiment of the present invention.

[0098] First, as shown in Figure 9A, individuals 1041 to 1049 request asset management company 1200 to invest in financial product 1300. Here, the financial product 1300 that individuals 1041 to 1049 request to invest in may be the same or different. In the following, if individuals 1041 to 1049 are not specifically distinguished, they may be referred to as individual 1040.

[0099] Next, individuals 1041-1049 who request investment in the same financial product 1300 are classified, and asset management groups 1000 are established. Figure 9B shows that individuals 1041, 1043, 1045, 1047, and 1049 who request investment in the first financial product 1310 belong to the first asset management group 1000-1 as members 1011, 1013, 1015, 1017, and 1019, respectively, and individuals 1042, 1044, 1046, and 1048 who request investment in the second financial product 1320 belong to the second asset management group 1000-2 as members 1012, 1014, 1016, and 1018, respectively.

[0100] In asset management system 10B, asset management company 1200 can receive investment requests from individuals 1041-1049 and then establish asset management group 1000 without the asset management group 1000 having a prior entrustment agreement with asset management company 1200. In this case as well, it becomes possible for individuals 1041-1049 to invest in financial products 1300 that they could not invest in individually, enabling investment in a diverse range of financial products 1300.

[0101] [2. Configuration of Asset Management System 10B] Figure 10 is a block diagram illustrating the configuration of an asset management system 10B according to one embodiment of the present invention.

[0102] As shown in Figure 10, the asset management system 10B includes an asset management server 100B. The asset management server 100B includes a control unit 110B and a storage unit 120. The control unit 110B includes an asset management management unit 111, a portfolio acquisition unit 112, a portfolio transmission unit 113, an audit information acquisition unit 114, and an asset management group generation unit 115. In other words, in the asset management system 10B, the control unit 110B can implement the asset management group generation unit 115 as a function by executing a program via a processor.

[0103] The asset management group generation unit 115 assigns individuals 1041 to 1049 to the first asset management group 1000-1 and the second asset management group 1000-2 based on the information of individuals 1041 to 1049. This generates information for the first asset management group 1000-1 having members 1011, 1013, 1015, 1017, and 1019, as well as information for the first asset management group 1000-1 having members 1012, 1014, 1016, and 1018. In the asset management system 10B, the asset management management unit 111 can generate the asset management group database 121 based on the information for the first asset management group 1000-1 and the second asset management group 1000-2 generated by the asset management group generation unit 115.

[0104] The information of individual 1040 used by the asset management group generation unit 115 is not limited to information of the financial product 1300 to which the individual is requested to invest. The asset management group generation unit 115 can also use the individual's address or industry as information of individual 1040 and determine the asset management group 1000 to which individual 1040 is assigned.

[0105] The asset management group generation unit 115 may generate information on asset management group 1000 when predetermined conditions are met. Some financial products 1300 require an investment of a certain amount or more. For example, if the total assets of the asset management group 1000 to which individual 1040 is assigned are above a certain amount, or if the total number of units is a certain number, the asset management group generation unit 115 may generate information on the asset management group 1000 to which individual 1040 is assigned. Conversely, if the predetermined conditions are not met, information on asset management group 1000 is not generated, which can encourage individual 1040 to increase their investment or the number of units they purchase.

[0106] Furthermore, the asset management group generation unit 115 may not only assign individuals 1040 to newly established asset management groups 1000, but may also assign individuals 1040 to existing asset management groups 1000.

[0107] According to this embodiment, even without establishing an asset management group 1000 in advance, or even if an individual 1040 does not belong to an asset management group 1000 in advance, the asset management system 10B can be used to enable individual 1040 to belong to an asset management group 1000 based on their information, and individual 1040's small investments can be managed to invest in a variety of financial products 1300.

[0108] The embodiments of the present invention can be implemented by combining configurations as appropriate, as long as they do not contradict each other. Furthermore, any modifications made by those skilled in the art to the embodiments, such as adding, deleting, or changing components, or adding, omitting, or changing processes, are also included within the scope of the present invention, as long as they retain the essence of the present invention.

[0109] Any effects or benefits other than those brought about by the embodiments described above, if they are clear from the description herein or easily predictable to a person skilled in the art, are naturally considered to be brought about by the present invention. [Explanation of Symbols]

[0110] 10, 10A, 10B: Asset management systems, 100, 100A, 100B: Asset management servers, 110, 110A, 110B: Control unit, 111: Asset Management Department, 112: Portfolio Acquisition Section, 112A: Portfolio generation unit, 113: Portfolio transmission section, 114: Audit Information Acquisition Department, 115: Asset Management Group Generation Department, 120: Memory section, 121: Asset Management Group Database, 122: Asset Management Group Portfolio, 122-1: First asset management group portfolio, 122-2: Second asset management group portfolio, 123: Audit information, 200: Asset management company server, 300: Financial Products Server, 400: Audit firm server, 500: Information and communication terminals, 1000: Asset Management Group, 1000-1: First asset management group, 1000-2: Second asset management group, 1010, 1011, 1012, 1013, 1014, 1015, 1016, 1017, 1018, 1019: Members, 1020:Company, 1030: Employees, 1040, 1041, 1042, 1043, 1044, 1045, 1046, 1047, 1048, 1049: Individual, 1200: Asset management company, 1210: The first asset management company, 1220: Second asset management company, 1300: Financial products, 1400: Audit firm

Claims

1. An asset management unit that acquires information about a first asset management group having multiple first members and being established by the capital contributions of each of the multiple first members, and generates an asset management group database based on the first asset management group information, A portfolio acquisition unit acquires a first asset management group portfolio generated based on the profit and loss amount obtained from the management of the total assets of the first asset management group, An asset management system including a portfolio transmission unit that, upon receiving a request instruction from the information and communication terminal of the first member, transmits the first asset management group portfolio to the information and communication terminal.

2. Furthermore, the asset management system according to claim 1 includes an audit information acquisition unit that communicates with the audit firm's server and acquires audit information relating to the audit content of the first asset management group from the audit firm's server.

3. The asset management department further acquires information on a second asset management group having a plurality of second members and being established by the capital contributions of each of the plurality of second members, and generates the asset management group database based on the second asset management group information. The asset management system according to claim 1, wherein the portfolio acquisition unit further acquires a second asset management group portfolio generated based on the profit and loss amount obtained from the management of the total assets of the second asset management group.

4. The asset management system according to claim 3, wherein when one of the plurality of first members changes affiliation from the first asset management group to the second asset management group, the asset management management unit generates the asset management group database such that the share of the one member is transferred from the first asset management group information to the second asset management group information.

5. The aforementioned plurality of first members include a company and a plurality of employees who enter into employment contracts with the said company, The asset management system according to claim 1, wherein the first asset management group portfolio includes changes in the ownership ratio of the company and the ownership ratio of the plurality of employees.

6. The asset management system according to claim 5, wherein when the ownership ratio of the said company is less than 30% of the total number of shares held by the first asset management group, the asset management department restricts the purchase of shares so that the multiple employees cannot purchase shares.

7. The asset management system according to claim 5, wherein when one of the plurality of first members terminates the employment contract with the company, the asset management department generates the asset management group database to transfer the member's share to the company's share.

8. The asset management system according to claim 1, wherein the first asset management group portfolio includes advertisements related to the first asset management group information or the information of the first member of the asset management group database.

9. Obtain information on a first asset management group relating to a first asset management group having multiple first members and being established by the capital contributions of each of the multiple first members. Based on the first asset management group information, an asset management group database is generated. Obtain the first asset management group portfolio generated based on the profit and loss amount obtained from managing the total assets of the first asset management group. An asset management method that, upon receiving a request instruction from the information and communication terminal of the first member, transmits the first asset management group portfolio to the information and communication terminal.

10. Furthermore, the asset management method according to claim 9, wherein the method is connected to the audit firm's server and obtains audit information relating to the audit content of the first asset management group from the audit firm's server.

11. moreover, Obtain information on a second asset management group having multiple second members and being established by the capital contributions of each of the multiple second members. Based on the second asset management group information, the asset management group database is generated. The asset management method according to claim 9, which involves obtaining a second asset management group portfolio generated based on the profit and loss amount obtained from the management of the total assets of the second asset management group.

12. Furthermore, the asset management method according to claim 11, wherein when one of the plurality of first members changes their affiliation from the first asset management group to the second asset management group, the asset management group database is generated such that the share of the one member is transferred from the first asset management group information to the second asset management group information.

13. The aforementioned plurality of first members include a company and a plurality of employees who enter into employment contracts with the said company, The asset management method according to claim 9, wherein the first asset management group portfolio includes changes in the ownership ratio of the company and the ownership ratio of the plurality of employees.

14. The asset management method according to claim 13, wherein when the ownership ratio of the said company is less than 30% of the total number of shares held by the first asset management group, the purchase of shares is restricted so that the multiple employees cannot purchase shares.

15. Furthermore, the asset management method according to claim 13, wherein when one of the plurality of first members terminates the employment contract with the company, the asset management group database is generated in such a way that the member's share is transferred to the company's share.

16. The asset management method according to claim 9, wherein the first asset management group portfolio includes advertisements related to the first asset management group information or the information of the first member of the asset management group database.

17. A program for causing a computer to execute the asset management method described in any one of claims 9 to 16.

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