Information processing device, information processing method, and program

Abstract

To allow a plurality of operation services at an individual financial institution to be simultaneously operated.SOLUTION: In a service provider server 1 that at least communicates with another information processing device that separately manages a first type management unit and a second type management unit in a management unit by which a predetermined object is managed, among devices of a manager who manages the predetermined object, a virtual account management unit 51 performs a process to manage N (N is an integer of 1 or greater) individual units by associating each of N services operated within a frame of the first type management unit with each of the N individual units obtained as a result of an event in which the first type management unit within the service provider server 1 is divided into N pieces.SELECTED DRAWING: Figure 8

Description

[Technical Field]

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

[0002] Conventionally, there are techniques for proposing and managing investment targets as a means of managing financial assets (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2016-095724 Summary of the Invention [Problem to be solved by the invention]

[0004] In conventional technologies including the above-mentioned Patent Document 1, simultaneous operation of multiple operational services at individual financial institutions is required, but this has not been possible.

[0005] The present invention has been made in view of the above circumstances, and aims to enable simultaneous operation of a plurality of operational services at an individual financial institution. [Means for solving the problem]

[0006] In order to achieve the above object, an information processing device according to one aspect of the present invention comprises: Among devices of a manager that manage a predetermined object, an information processing device that communicates at least with another information processing device that distinguishes and manages a first-class management unit and a second-class management unit in a management unit where the predetermined object is managed, an individual unit management means for associating each of the N individual units obtained as a result of dividing the first type management unit in the information processing device with each of N services (N is an integer value of 1 or more) operated within the framework of the first type management unit, and for executing a process for managing the N individual units; Equipped with.

[0007] An information processing method and a program corresponding to the information processing device according to one aspect of the present invention are also provided as an information processing method and a program according to one aspect of the present invention. [Effects of the Invention]

[0008] According to the present invention, it is possible to realize simultaneous operation of a plurality of operation services at an individual financial institution. [Brief explanation of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram for explaining a conventional technique for comparison with the first embodiment of the present invention, and is a diagram showing an overview of differentiated management in an individual company back office system. [Figure 2] FIG. 1 is a diagram for explaining a conventional technique for comparison with the first embodiment of the present invention, and is a diagram showing an overview of a format for extending a box for managing discretionary assets. [Figure 3] FIG. 1 is a diagram for explaining problems of a conventional method for comparison with the first embodiment of the present invention, and is a diagram showing an overview of problems with simultaneous operation in a sub-account system. [Figure 4] FIG. 1 is a diagram for explaining problems of a conventional method for comparison with the first embodiment of the present invention, and is a diagram showing an overview of problems with simultaneous operation in a sub-account system. [Figure 5] FIG. 1 is a diagram for explaining problems of a conventional method for comparison with the first embodiment of the present invention, and is a diagram showing an overview of problems with simultaneous operation in a dedicated product system. [Figure 6] 1 is a diagram showing a configuration of an information processing system including a service provider server according to a first embodiment of the present invention. [Figure 7] 7 is a block diagram showing an example of a hardware configuration of a service provider server 1 in the information processing system of FIG. 6. FIG. [Figure 8] 8 is a functional block diagram showing an example of a functional configuration of the service provider server shown in FIG. 7 according to the first embodiment of the information processing device of the present invention. FIG. [Figure 9] FIG. 9 is a diagram illustrating an overview of a virtual account management unit in the functional configuration of the service provider server of FIG. 8. [Figure 10] FIG. 5 is a diagram illustrating an overview of the discretionary asset matching management unit and the individual management unit in the virtual account management unit, in comparison with the conventional method of FIG. 4. [Figure 11] FIG. 9 is a diagram illustrating a discretionary asset matching management unit in the virtual account management unit of FIG. 8. [Figure 12] FIG. 9 is a diagram illustrating an example of a function related to an application from an end user, as an example of a function of an end-user transaction execution unit in the individual management unit of the virtual account management unit in FIG. 8. [Figure 13] 9 is a diagram illustrating an example of a function related to contributions from an end user, as an example of a function of an end-user transaction execution unit in the individual management unit of the virtual account management unit in FIG. 8. FIG. [Figure 14] 9 is a diagram illustrating an example of a function related to virtual account opening, as an example of a function of an end-user transaction execution unit, of the individual management units of the virtual account management unit in FIG. 8. FIG. [Figure 15] 9 is a diagram illustrating an example of the function of a back-office generated transaction execution unit in the individual management unit of the virtual account management unit in FIG. 8. FIG. [Figure 16] FIG. 10 is a diagram showing an example of providing full-scale goal-based operation as a specific example of the effect that can be achieved by the service provider server 1 of the first embodiment. [Figure 17] FIG. 17 illustrates an example implementation of providing goal-based operation of FIG. 16. [Figure 18] FIG. 10 is a diagram illustrating a conventional method for comparison with the second embodiment of the present invention, taking a sub-account system as an example. [Figure 19] FIG. 19 is a diagram illustrating a conventional method for comparison with the second embodiment of the present invention, using an example different from that of FIG. 18. [Figure 20] FIG. 10 is a diagram illustrating a problem with intermediary customer referral as a problem of a conventional method for comparison with the second embodiment of the present invention. [Figure 21] FIG. 10 is a diagram showing a configuration of an information processing system including a service provider server according to a second embodiment of the present invention. [Figure 22] 8 is a functional block diagram showing an example of a functional configuration of the service provider server shown in FIG. 7 according to the second embodiment of the information processing device of the present invention. FIG. [Figure 23] FIG. 1 is a diagram showing an overview of a method for managing the contract status of discretionary investment contracts for management services operated by an investment management company. [Figure 24] FIG. 1 is a diagram showing an outline of the flow of an end user's application for a discretionary investment contract with an investment management company. [Figure 25] FIG. 1 is a diagram showing an overview of the process for an end user to terminate a discretionary investment contract with an investment management company. [Figure 26] FIG. 23 is a diagram showing an overview of access control executed by a service provider server having the functional configuration of FIG. 22. [Figure 27] FIG. 10 is a diagram showing an overview of the linking between management services and investment management companies, which is necessary for access control to management service data. [Figure 28] FIG. 10 is a diagram illustrating an overview of access control for operational service data. [Figure 29] FIG. 1 illustrates an overview of end-user data acquisition and management. [Figure 30] FIG. 1 is a diagram illustrating an overview of access control for end-user data. [Figure 31] FIG. 1 is a diagram showing an overview of the hub functions of individual financial institutions and investment management companies. [Figure 32] FIG. 23 is a diagram showing a specific example of a selective operation service among the services that can be provided by the bazaaring of operation services by the service provider server 1 of FIG. 22. [Figure 33]FIG. 33 is a diagram showing an example of the flow of a discretionary investment contract application behind the scenes of the selective management service shown in the example screen of FIG. 32. [Figure 34] FIG. 23 is a diagram showing a specific example of a basket-type operation service, among the services that can be provided by the bazaaring of operation services by the service provider server 1 of FIG. 22. [Figure 35] FIG. 1 is a diagram illustrating an overview of an operation service. [Figure 36] FIG. 10 is a diagram showing an example of a template for a discretionary investment contract document. [Figure 37] FIG. 10 is a diagram illustrating the relationship between an operation service and an operation service ID. [Figure 38] FIG. 1 illustrates the relationship between end users and accounts. [Figure 39] FIG. 10 is a diagram showing the relationship between a general account and a trading account. [Figure 40] FIG. 10 is a diagram showing an example of management of general accounts and account classifications. [Figure 41] FIG. 10 is a diagram illustrating the relationship between fund accounts and virtual account codes. [Figure 42] FIG. 10 is a diagram showing an example of handling of investment targets. [Figure 43] FIG. 10 is a diagram showing an example of the flow of new contributions. [Figure 44] FIG. 10 is a diagram illustrating a flow of rebalancing. [Figure 45] FIG. 10 is a diagram illustrating the relationship between portability and commands. [Figure 46] FIG. 10 is a diagram showing the plug-in implementation of discretionary investment contracts and associated functions. [Figure 47] FIG. 10 is a diagram showing an example of a connection method for electronic delivery of documents. DETAILED DESCRIPTION OF THE INVENTION

[0010] [First embodiment] A first embodiment of the present invention will be described below with reference to the drawings.

[0011] First, before describing the first embodiment of the present invention, a conventional method and its problems will be described. FIG. 1 is a diagram for explaining a conventional technique for comparison with the first embodiment of the present invention, and is a diagram showing an overview of differentiated management in an individual company back office system.

[0012] In order to launch new investment management services at individual financial institutions that manage assets outside the management of discretionary investment contracts (hereinafter referred to as "non-discretionary assets"), it is necessary to manage assets under the management of discretionary investment contracts (hereinafter referred to as "discretionary assets") separately. The distinction between discretionary and non-discretionary assets is managed through the back-office systems of each company. There are two methods for managing discretionary assets separately: opening a sub-account to manage discretionary assets linked to a trading account (hereinafter referred to as the "sub-account method"), and preparing a dedicated product for discretionary assets (hereinafter referred to as the "dedicated product method"). When a company wanted to enter into multiple discretionary investment contracts at the same time, the conventional method was to expand the box that managed discretionary assets within each company's back-office system. Separate management refers to the imposition of restrictions on assets that have been entrusted to an investment management company under a discretionary investment contract to prevent end users from buying, selling, or withdrawing funds without the knowledge of the investment management company. The difference between the subaccount method and the dedicated product method is how cash is handled (under the subaccount method, cash is treated as cash, while under the dedicated product method, it is converted into cash-equivalent securities (e.g., MRF) and then handled).

[0013] Here, the end user refers to the person who holds the general account. The person who holds the general account may be a natural person or a legal entity. The subject of a given action taken by an end user, usually the end user, but also including actions taken by others entrusted by the end user. Examples of other persons entrusted with the service include parents, guardians of minors, guardians of adults, and sales representatives of companies selling the management service. The seller of the management service may be an individual financial institution, or it may be an intermediary that acts as an intermediary or agent for the individual financial institution.

[0014] FIG. 2 is a diagram for explaining a conventional technique for comparison with the first embodiment of the present invention, and is a diagram showing an overview of a format for expanding a box for managing discretionary assets.

[0015] When a company wanted to enter into multiple discretionary investment contracts at the same time, the conventional method was to expand the box that managed discretionary assets within each company's back-office system. This conventional method had issues with operating multiple investment services simultaneously on a single trading account (hereinafter referred to as "simultaneous operation"). Below we will discuss the challenges of simultaneous operation of the sub-account system and the dedicated product system.

[0016] FIG. 3 is a diagram for explaining the problems of the conventional method for comparison with the first embodiment of the present invention, and is a diagram showing an overview of the problems of simultaneous operation in the sub-account system.

[0017] In the subaccount system, there are existing services that have introduced multiple operational services. These existing services use a concept equivalent to a virtual account code in a fund account (such as a department or branch) to open a sub-account upon receiving an application for management services. However, with this method, it is necessary to define information equivalent to a virtual account code in advance and open sub-accounts, and there are no services that provide "simultaneous operation of any number of accounts."

[0018] FIG. 4 is a diagram for explaining the problems of the conventional method for comparison with the first embodiment of the present invention, and is a diagram showing an overview of the problems of simultaneous operation in the sub-account system.

[0019] This means that individual company back-office systems must implement the following steps 1 to 3 for the various processes they are responsible for (for example, withholding capital gains tax). The first process is a process of aggregating data to understand the transactions and asset status that have occurred across the entire trading account, including multiple subaccounts. The second process is the processing of transactions and data across the aggregated trading accounts (transaction creation). The third process is a process (application) in which transactions created for the entire trading account are split, recreated, and executed as transactions for non-discretionary assets and each subaccount. The reason why it is necessary to implement the aggregation and division flow of processes 1 to 3 is because it is difficult to express processes of different granularity, such as transaction accounts and fund accounts, in a single system. Due to the system's complexity (cost), sales must be on a certain scale from a business perspective, and services that offer simultaneous operation of pre-configured operational services are currently limited to individual major financial institutions.

[0020] FIG. 5 is a diagram for explaining the problems of the conventional method for comparison with the first embodiment of the present invention, and is a diagram showing an overview of the problems of simultaneous operation in the dedicated product method.

[0021] To achieve simultaneous management using a dedicated product method, it was necessary to prepare different investment targets in order to manage assets separately for each management service. However, it is practically impossible to prepare different investment targets for an arbitrary number of operation services for the following first and second reasons. The first reason is that listed securities (such as individual stocks and ETFs) cannot be freely structured as investment targets. The second reason is that while unlisted securities (such as domestic unlisted investment trusts) can be structured to a certain extent, it takes time and requires significant costs to structure them. Therefore, there are no existing services that provide simultaneous operation of multiple operation services using a dedicated product method. Although there are some companies that offer multiple types of investment management services using a dedicated product system, they are either exclusive or have trading account restrictions, and there are currently no existing services that allow multiple investment management services to be operated simultaneously using the same trading account.

[0022] Next, a first embodiment of the present invention that can solve the problems of the above-mentioned conventional methods will be described.

[0023] FIG. 6 is a diagram showing the configuration of an information processing system including a service provider server according to the first embodiment of the present invention.

[0024] The information processing system shown in Figure 6 is configured to include a service provider server 1 managed by a service provider, an individual company back office system 2 and an individual company operation server 3 managed by a financial institution individual company K, and an end user terminal 4 managed by an end user. The service provider server 1, the individual company back office system 2, the individual company operation server 3, and the end user terminal 4 are connected to each other via a predetermined network N. In this embodiment, the network N is the Internet, but the form of the network N is not particularly limited, and other networks such as Bluetooth (registered trademark), Wi-Fi, and LAN (Local Area Network) can also be used.

[0025] FIG. 7 is a block diagram showing an example of the hardware configuration of the service provider server 1 in the information processing system of FIG. The service provider server 1 includes a CPU 11 , a ROM 12 , a RAM 13 , a bus 14 , an input / output interface 15 , an output unit 16 , an input unit 17 , a storage unit 18 , a communication unit 19 , and a drive 20 .

[0026] The CPU 11 executes various processes according to a program recorded in the ROM 12 or a program loaded from the storage unit 18 into the RAM 13 . The RAM 13 also stores data and the like necessary for the CPU 11 to execute various processes.

[0027] The CPU 11, ROM 12, and RAM 13 are interconnected via a bus 14. An input / output interface 15 is also connected to this bus 14. An output unit 16, an input unit 17, a memory unit 18, a communication unit 19, and a drive 20 are connected to the input / output interface 15.

[0028] The output unit 16 is composed of a display, a speaker, etc., and outputs various information as images and sounds. The input unit 17 is composed of a keyboard, a mouse, etc., and is used to input various information.

[0029] The storage unit 18 is configured with a hard disk, a DRAM (Dynamic Random Access Memory), etc., and stores various data. The communication unit 19 communicates with other devices (in the example of FIG. 6, the individual company back office system 2, the individual company operation server 3, and the end user terminal 4) via a network N including the Internet.

[0030] Removable media 31, such as a magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, is appropriately attached to the drive 20. A program read from the removable media 31 by the drive 20 is installed in the storage unit 18 as necessary. Furthermore, the removable media 31 can also store various data stored in the storage unit 18 in the same manner as the storage unit 18.

[0031] Although not shown, the individual company back office system 2, the individual company operation server 3, and the end user terminal 4 of the information processing system in FIG. 6 also have the hardware configuration shown in FIG.

[0032] Next, with reference to FIG. 8, the functional configuration of the service provider server 1 having the hardware configuration shown in FIG. 7 will be described. FIG. 8 is a functional block diagram showing an example of the functional configuration of the service provider server shown in FIG. 7 according to the first embodiment of the information processing device of the present invention.

[0033] As shown in FIG. 8, the CPU 11 of the service provider server 1 is provided with a virtual account management unit 51. Here, the virtual account management unit 51 will be described with reference to FIGS.

[0034] FIG. 9 is a diagram illustrating an overview of the virtual account management unit in the functional configuration of the service provider server of FIG.

[0035] The basic policies of the first embodiment of the present invention for solving the problems of the conventional methods described above with reference to FIGS. 1 to 5 and realizing simultaneous operation are the following policies 1 and 2. That is, policy 1 is that a distinction is made between non-discretionary assets and discretionary assets in the individual company back office system 2, as shown in FIG. Policy 2 is that, as shown in Figure 9, a management system for fund accounts (hereinafter also referred to as "virtual accounts") that subdivide discretionary assets for each management service will be set up on the service provider server 1 (which will be external from the individual company back office system 2). The virtual account management unit 51 is the "fund account management system that subdivides discretionary assets for each management service" of this policy 2.

[0036] The above policy 1 can be realized in most individual company back office systems 2 by adopting either the dedicated product method or the subaccount method. Therefore, by adopting a virtual account management unit 51 that can realize policy 2, simultaneous operation of multiple operational services becomes possible in most individual company back office systems 2.

[0037] In other words, it is assumed that among the devices of financial institution individual company K that manage the assets of the end user, individual company back office system 2 separately manages discretionary assets, which are assets under the management of the end user's discretionary investment contract, and non-discretionary assets, which are assets outside the management of the end user's discretionary investment contract, in the end user's trading account (Policy 1 above). The virtual account management unit 51 communicates with the individual company back office system 2 via the communication unit 19 and performs the following management. The virtual account management unit 51 performs processing to manage the N fund accounts (four discretionary assets A to D in the example of Figure 9) obtained as a result of dividing the discretionary assets in the service provider server 1 into N fund accounts corresponding to each of the N management services (N is an integer value greater than or equal to 1) operated within the framework of discretionary assets.

[0038] Specifically, virtual account management unit 51 is provided with a discretionary asset matching management unit 61 and an individual management unit 62. FIG. 10 is a diagram illustrating an overview of the discretionary asset matching management unit and the individual management unit in the virtual account management unit, in comparison with the conventional method in FIG. In the individual company back office system 2, discretionary assets and non-discretionary assets are managed separately, as in the conventional method of FIG. However, in the conventional method shown in FIG. 4, a sub-account was set up and managed for each operational service within the framework of the trading account of the individual company's back office system 2. In contrast, in the first embodiment of the present invention, discretionary assets and non-discretionary assets are simply managed separately in the trading accounts of the individual company back office system 2. Management of each management service is carried out individually within the service provider server 1 using fund accounts for each management service (fund accounts A to C in the example of FIG. 10). The functional block that performs this management is the virtual account management unit 51. Specifically, in step SA, the discretionary asset matching management unit 61 attempts to share transactions with the individual company back office system 2 . In step SB, the individual management unit 62 applies transactions to each fund account. Here, applying transactions means dividing and reconstructing transactions for the entire trading account on a fund account basis, and executing individual transaction processing for each fund account.

[0039] Further, the discretionary asset matching management unit 61 and the individual management unit 62 will be described below in that order.

[0040] FIG. 11 is a diagram illustrating the discretionary asset matching management unit in the virtual account management unit of FIG. As shown in Figure 11, the discretionary asset matching management unit 61 captures all transactions related to discretionary assets that occur in the individual company back office system 2 and performs equivalent processing, thereby achieving sharing of transactions in step SA of Figure 10. This results in a match between the total discretionary assets in the individual company back office system 2 and the total discretionary assets in the service provider server 1 (virtual account management unit 51), as shown in Figure 11. As a result, when performing necessary processing (for example, capital gains tax calculations, etc.), the individual company back office system 2 does not need to grasp the distinctions within the fund accounts, and it is sufficient to grasp the total discretionary assets. Hereinafter, the state in which the entire discretionary assets of the individual company back office system and the service provider server 1 (virtual account management unit 51) match will be referred to as "discretionary asset replication." That is, the discretionary asset consistency manager 61 has the function of maintaining the discretionary asset replication.

[0041] On the other hand, the individual management unit 62 has a function of managing the handling of fund accounts within the service provider server 1 (virtual account management unit 51). In other words, the individual management unit 62 has the function of handling fund accounts that further subdivide discretionary assets within the service provider server 1 (virtual account management unit 51), assuming discretionary asset replication by the discretionary asset matching management unit 61.

[0042] Here, in order to be able to handle more detailed fund accounts than the individual company back office system 2 within the service provider server 1 (virtual account management unit 51), the individual management unit 62 places importance on the handling of transactions. That is, there are three main types of transactions that occur in operational services:

[0043] The first type of transaction is an end-user transaction. This transaction is, for example, associated with a user order (new contribution, additional contribution, partial withdrawal, full withdrawal, change of investment style, deposit of reserves, etc.). The end-user transaction execution unit 71 is a functional block that controls execution of this first type of transaction within the service provider server 1 (virtual account management unit 51).

[0044] The second type of transaction is a transaction generated by the individual company back office system 2. The back-office generated transaction execution unit 72 is a functional block that controls the execution of this second type of transaction within the service provider server 1 (virtual account management unit 51).

[0045] The third type of transaction is a transaction (for example, a transaction related to rebalancing) generated by the service provider server 1 (virtual account management unit 51). This transaction involves, for example, an execution order and its execution (service provider server 1 - execution order -> individual company back office system 2 - execution -> service provider server 1), collection of management fees, etc. Also, for example, this transaction is an execution order, ie, an order generated by the service provider server 1 for buying or selling securities as an investment target. The self-generated transaction execution unit 73 is a functional block that controls execution of this third type of transaction within the service provider server 1 (virtual account management unit 51).

[0046] Further, the end-user transaction execution unit 71 and the back-office generated transaction execution unit 72 will be described below in that order.

[0047] FIG. 12 is a diagram illustrating an example of a function related to an application from an end user, as an example of a function of the end-user transaction execution unit of the individual management unit of the virtual account management unit of FIG.

[0048] In order to provide operational services, the end-user transaction execution unit 71 must accept transactions such as application, removal, and cancellation from end users. For this type of transaction, the end-user transaction execution unit 71 provides virtual account code information and cooperates.

[0049] For example, suppose an end user makes a new application for operational service A. In this case, the following series of processes are executed. First, assume that an end user operates the end user terminal 4 to click "New Application" for operation service A on, for example, an individual company operation service page managed by the individual company operation server 3. In this case, a fund account opening instruction is issued, and virtual account code A is linked to the service provider server 1. The fund account opening instruction includes the end user's trading account ID. The end-user transaction execution unit 71 opens fund account A (a virtual account with virtual account code A for investment service A). After this, in the case of the sub-account method and only for the first time, the discretionary asset matching management unit 61 executes a process to link the sub-account opening instruction with the individual company back office system 2. As a result, the sub-account is opened in the individual company back office system 2.

[0050] FIG. 13 is a diagram illustrating an example of a function related to contributions from an end user as an example of a function of the end-user transaction execution unit of the individual management unit of the virtual account management unit of FIG.

[0051] Next, it is assumed that the end user makes a contribution using non-discretionary assets to the management service A for which the application shown in FIG. 12 has been completed. In this case, the following series of processes are executed. That is, first, the end user operates the end user terminal 4 to execute a "contribution" for the operation service A, for example, on the individual company operation service page managed by the individual company operation server 3. In this case, a carry-out instruction is issued, and the virtual account code is linked in the service provider server 1. The contribution instruction includes the trading account ID along with the contribution amount. The discretionary asset matching management unit 61 executes control to link the carry-out instruction with the individual company back office system 2. In the individual company back office system 2, a transfer instruction is issued in the case of the subaccount system, and an instruction to purchase assets equivalent to cash is issued in the case of the dedicated product system. The individual company back office system 2 contributes from the non-discretionary assets to the discretionary assets in accordance with the contribution instruction. The discretionary asset matching management unit 61 controls the linkage of contribution completion from the individual company back office system 2 to the service provider server 1 . The end-user transaction execution unit 71 performs the contribution process to fund account A.

[0052] FIG. 14 is a diagram illustrating an example of a function related to opening a second virtual account, as an example of a function of the end-user transaction execution unit of the individual management unit of the virtual account management unit in FIG.

[0053] The service provider server 1 allows a fund account to be opened according to an arbitrary virtual account code created by each financial institution as needed. Even if a virtual account code that has not been defined in advance is linked, a fund account can be opened in the same way. Here, "any number" means that there is, in principle, no limit, excluding hardware constraints such as system resources. Therefore, any number of fund accounts can be opened according to the needs of each financial institution, and by managing assets separately in each fund account, "any number of simultaneous operations" becomes possible. That is, first, an end user operates the end user terminal 4 to press "New application" for operation service B, which is different from operation service A, on an individual company operation service page managed by the individual company operation server 3, for example. In this case, a fund account opening instruction is issued, and the virtual account code B is linked to the service provider server 1. The fund account opening instruction includes the end user's trading account ID. The end-user transaction execution unit 71 opens fund account B (a virtual account with virtual account code B for investment service B). In this way, when opening a second or more fund accounts, the sub-accounts already opened on the individual company back office system 2 side are shared, so there is no need to open a new sub-account.

[0054] The above has described the end-user transaction execution unit 71 of the individual management unit 62 in Fig. 8. Next, the back-office generated transaction execution unit 72 of the individual management unit 62 will be described. FIG. 15 is a diagram illustrating an example of the function of the back-office generated transaction execution unit in the individual management unit of the virtual account management unit in FIG.

[0055] For example, it is assumed that a transaction occurs in the individual company back office system 2 in accordance with the balance and trading of discretionary assets. Examples of transactions that occur within the individual company back office system 2 include the following: The first transaction is a dividend or distribution on securities held in discretionary assets (hereinafter referred to as "dividend / distribution"). The second transaction is capital gains tax withholding on the sale proceeds. These transactions must be captured by the service provider server 1 in order to maintain the state of discretionary asset replication. However, since the individual company back office system 2 is responsible for processing the entire trading account, the granularity is different from that of the fund account managed by the service provider server 1, and conversion is necessary. The back-office transaction execution unit 72 is a functional block that performs such conversion and executes transactions in units of fund accounts.

[0056] For example, in the case of dividends / distributions, the processing will proceed as follows: In step SC1, the individual company back office system 2 registers information on dividends and distributions from the investment target securities. In step SC2, the individual company back office system 2 creates a transaction to deposit the dividend / distribution for the discretionary assets (hereinafter referred to as the "dividend / distribution transaction" in the procedure). Here, the information included in the dividend / distribution transaction includes the trading account ID, securities ID, payment amount, balance reference date, payment date, total rights holding quantity, etc. In step SC3, the individual company back office system 2 executes (applies) the processing of the dividend / distribution transaction to the discretionary assets. In step SC4, the discretionary asset matching management unit 61 of the service provider server 1 executes control to link the dividend / distribution transactions in the service provider server 1. In step SC5, the back-office generated transaction execution unit 72 calculates the payment amount for each fund account from the dividend / distribution transaction and the securities balance of each fund account on the balance reference date. As a calculation method, for example, a method of apportioning the payment amount based on the securities balance of each fund account on the balance reference date can be used. In step SC6, the back-office generated transaction execution unit 72 deposits the funds into each fund account.

[0057] For example, withholding of capital gains tax is processed in the same manner as follows: In step SD1, the individual company back office system 2 registers the sales agreement. In step SD2, the individual company back office system 2 creates a capital gains tax withholding transaction (hereinafter referred to as a "collection transaction" in the procedure) based on the sales profit / loss and the total profit / loss. Here, the information included in the collection transaction includes the trading account ID, the sale contract date, whether it is collection / refund, the settlement amount, etc. In step SD3, the individual company back office system 2 executes (applies) the collection transaction process to the discretionary assets. In step SD4, the discretionary asset matching management unit 61 of the service provider server 1 executes control to link the collection transactions in the service provider server 1. In step SD5, the back-office transaction execution unit 72 calculates the settlement amount for each fund account from the collection transaction and the sale agreement for each fund account. The settlement amount can be calculated by dividing it proportionally based on the sale agreement price for each fund account. In step SD6, the back-office transaction execution unit 72 collects / refunds the settlement amount from each fund account.

[0058] As explained above regarding the withholding process for dividends / distributions and capital gains tax, the following two points are important: The first important point is that transactions for discretionary assets are coordinated with the service provider server 1. The second important point is that the service provider server 1 can allocate the funds proportionally based on the data for each fund account held. By satisfying these two points, even if there are any number of fund accounts, transactions that occur in the individual company back office system 2 can be appropriately converted into fund account-level transactions managed within the service provider server 1.

[0059] In summary, the service provider server 1 of the first embodiment communicates with the individual company back office system 2. This individual company back office system 2 manages discretionary assets and non-discretionary assets separately in the end user's trading account. In this case, the virtual account management unit 51 of the service provider server 1 manages the N virtual accounts (fund accounts) obtained as a result of dividing the discretionary assets within the service provider server 1 into N accounts by associating each of the N (N is an integer value greater than or equal to 1) operating services operated within the framework of the discretionary assets with the N virtual accounts (fund accounts).

[0060] The virtual account management unit 51 has a discretionary asset matching management unit 61 and an individual management unit 62. The discretionary asset matching management unit 61 manages to maintain a matching state between the discretionary assets in the individual company back office system 2 and the discretionary assets in the service provider server 1 by executing processing of all transactions related to the discretionary assets of end users that occur in the individual company back office system 2. The individual management unit 62 manages the N virtual accounts by executing transaction processing using the virtual accounts associated with each of the N operational services, assuming the above-mentioned matching state.

[0061] The individual management unit 62 includes an end-user transaction execution unit 71, a back-office generated transaction execution unit 72, and a self-generated transaction execution unit 73. The end-user transaction execution unit 71 executes transaction processing based on an operation by an end user as transaction processing for a predetermined operation service among the N operation services. The back-office generated transaction execution unit 72 processes transactions relating to predetermined operation services among transactions generated in the individual company back-office system 2 as transactions relating to predetermined operation services.

[0062] The service provider server 1 of the first embodiment configured as described above can achieve the following various effects. That is, by applying the service provider server 1 of the first embodiment, it becomes possible to link any number of fund account openings with management services.

[0063] Specifically, for example, as shown in FIG. 16, by applying the service provider server 1 of the first embodiment, it is possible to provide, for example, a full-scale goal-based operation. FIG. 16 is a diagram showing an example of providing full-scale goal-based operation as a specific example of the effect that can be achieved by the service provider server 1 of the first embodiment.

[0064] That is, the end user M operates the end user terminal 4 to start registering a new goal on the screen G1. By operating the end user terminal 4, the end user M selects the goal name, period, and starting investment amount, as well as the investment management service to which the investment management will be entrusted, on the screen G2, and applies for the service. Financial institution individual company K (individual company operation service page managed by individual company operation server 3) issues a virtual account code at the same time as the application, and links the fund account opening instruction and virtual account code to service provider server 1. The service provider server 1 receives the instruction and opens a fund account. A discretionary investment contract is concluded between end user M and investment management company T. The individual company back office system 2 transfers cash from the non-discretionary assets to the discretionary assets of the trading account. The service provider server 1 registers a new contribution order in the fund account. This allows the investment manager T to start managing the assets in the fund account. That is, the end user terminal 4 displays screen G3.

[0065] FIG. 17 is a diagram illustrating an implementation example that provides the goal-based operation of FIG.

[0066] In other words, as an example scenario, let's consider a case where an end user already manages three fund accounts (retirement funds, education savings (eldest son), and overseas travel savings for 2021) and starts a new overseas travel savings account for 2022 with discretionary management.

[0067] The flow at this time is as follows: In step SE1, the end user operates the end user terminal 4 to select one of a plurality of management services and apply for a new savings management. In step SE2, when the application is made, the individual company management server 3 assigns a virtual account code D for new management and instructs the service provider server 1 to open a fund account. In step SE3, the service provider server 1 instructs the individual company back office system 2 to contribute the investment start amount. Upon receiving the contribution instruction, the individual company back office system 2 transfers the contributed amount from the non-discretionary assets to the discretionary assets. In step SE4, after the contribution is completed, the service provider server 1 opens a new fund account linked to the virtual account code D and starts operation.

[0068] Furthermore, for example, application of the service provider server 1 of the first embodiment makes it possible to reduce the degree of difficulty in development and the costs resulting therefrom. As mentioned in the section on the challenges of conventional methods, it has traditionally been difficult to implement processes with different granularities in a single system. By applying the service provider server 1 of the first embodiment, the individual company back office system 2 can be in charge of data processing for the entire trading account, and the service provider server 1 can be in charge of data distribution to the fund account. By applying the service provider server 1 of the first embodiment, it can be said that the degree of difficulty in development is reduced compared to the conventional method, and an advantage in terms of cost is recognized for the following two reasons. The first point is that the system is divided into different granularities (hierarchies) of targets: trading accounts and fund accounts. The second point is that the individual company back office system 2 can utilize the function of operating an operation service individually (for example, only one) (improved reusability).

[0069] The information processing device to which the present invention is applied is not particularly limited to the service provider server 1 of the first embodiment, and various other embodiments can be adopted. Specifically, for example, the information processing device to which the present invention is applied is: Among devices of a manager that manage a predetermined object, an information processing device that communicates at least with another information processing device that distinguishes and manages a first-class management unit and a second-class management unit in a management unit where the predetermined object is managed, an individual unit management means for associating each of the N individual units obtained as a result of dividing the first type management unit in the information processing device with each of N services (N is an integer value of 1 or more) operated within the framework of the first type management unit, and for executing a process for managing the N individual units; An information processing device including the above may be employed.

[0070] Here, if we associate it with the service provider server 1 of the first embodiment, the predetermined object is an asset, the management unit is an end user's trading account; the first-class management unit is the discretionary assets of the end user; The second type of management unit is a non-discretionary asset of the end user, the service is an operation service; The individual units are virtual accounts.

[0071] However, to reiterate, the information processing device having such a configuration is not particularly limited to the service provider server 1 of the first embodiment. That is, by appropriately modifying the embodiment of the information processing device having such a configuration, it is possible to expand the scope of application as follows, for example. For example, asset migration of non-discretionary assets allows for virtual account implementation of the entire securities account. For example, the service provider server 1 of the first embodiment does not require the existence of an investment mandate contract, and this is the same in the other embodiments. Thus, for example, discretionary asset replication can be extended to trading accounts by maintaining trading account replication. For example, in the case of trading account replication, not only transactions of discretionary assets but also transactions of the entire trading account can be processed in cooperation with the service provider server 1. For example, it can be expanded to assets other than securities. For example, the service provider server 1 of the first embodiment does not limit the type of transaction, and this also applies to the other embodiments. Therefore, for example, it is possible to expand transactions to include cash, security tokens, cryptocurrencies, etc.

[0072] [Second embodiment] Next, a second embodiment of the present invention will be described with reference to the drawings.

[0073] First, before describing the second embodiment of the present invention, a conventional method and its problems will be described.

[0074] FIG. 18 is a diagram illustrating a conventional method for comparison with the second embodiment of the present invention, taking the subaccount system as an example.

[0075] Investment trusts, which are widely used for asset management, involve numerous investment trust management companies and are structured to suit specific purposes. On the other hand, participation in traditional management services as investment management company T is generally provided by a single company. From the end user's perspective, this is a state in which the account and management service are bundled together (hereinafter referred to as "bundling"). This bundling creates no selective pressure, making it difficult to encourage the evolution of services, such as reducing costs and improving operational capabilities. As described in the first embodiment, there are currently limitations on the number of operational services that can be provided using a company's own account. The following description will be based on the sub-account method of the conventional method described in the first embodiment shown in FIG. Due to the limited number of slots, there is little incentive to incorporate multiple investment management companies T, and no existing services exist. One reason for the lack of incentives is the high cost of opening additional sub-accounts. Because the cost of opening additional sub-accounts is high, in order to maintain economic rationality, financial institutions themselves or their group companies often act as investment managers.

[0076] FIG. 19 is a diagram illustrating a conventional technique for comparison with the second embodiment of the present invention, using an example different from that of FIG.

[0077] In addition, as shown in FIG. 19, there are cases where the system provider or its group company becomes the investment management companies T1 and T2. In this case, the system provider may bear the cost of opening additional sub-accounts, so that the individual financial institutions (KA, KB) do not incur any costs. However, the only change is that the entity responsible for collecting the burden has shifted to the system provider; the essential incentive structure remains the same. The second reason for the lack of incentives is the cost of incorporating new investment managers T1 and T2. In the conventional method, individual financial institutions usually connect directly with investment management companies. For example, if investment management companies T1 and T2 want to provide management services to financial institutions KA and KB, four connections are required: financial institution KA-investment management company T1, financial institution KB-investment management company T1, financial institution KA-investment management company T2, and financial institution KB-investment management company T2. This means that as the number of individual financial institutions (KA, KB) and investment management companies (T1, T2) increases, the number of connections increases exponentially, and the cost of these connections is one of the obstacles to eliminating bundling.

[0078] FIG. 20 is a diagram for explaining a problem with intermediary customer transfer as a problem of a conventional method for comparison with the second embodiment of the present invention.

[0079] One way to solve the problems of bundling is to use intermediary customer referrals. The intermediary customer referral refers to a method in which an individual financial institution KA that provides operational services introduces an end user M to another individual financial institution KB that also provides operational services. Even when using an intermediary to send customers, the following three hurdles exist: The first hurdle is the avoidance of outflow of deposit balances (outflow of assets) at the individual financial institutions (KA) that send customers. The second hurdle is the cost of connecting with the destination. The third hurdle is the bias towards recommending the most profitable operational services (including the company's own services). Because of these first to third hurdles, although intermediary customer referrals partially solve the issues of bundling, they cannot be said to be sufficient.

[0080] Next, a second embodiment of the present invention that can solve the problems of the above-mentioned conventional methods will be described.

[0081] FIG. 21 is a diagram showing the configuration of an information processing system including a service provider server according to the second embodiment of the present invention.

[0082] The information processing system shown in Figure 21 is configured to include a service provider server 1 managed by a service provider, individual company back office systems 2-1 to 2-p and individual company management servers 3-1 to 3-k managed by p (p is an integer value of 1 or greater) individual financial institution companies K1 to Kp, respectively, end user terminals 4-1 to 4-q managed by q (q is an integer value of 1 or greater) end users M1 to Mq, respectively, and investment management company terminals 5-1 to 5-r managed by r (r is an integer value of 1 or greater) investment management companies T1 to Tr, respectively.

[0083] In the following, when there is no need to distinguish between the individual financial institutions K1 to Kp, they will be collectively referred to as the "individual financial institution K." Furthermore, when referring to an individual financial institution K, the individual company back office systems 2-1 to 2-p will be collectively referred to as the "individual company back office system 2," and the individual company operation servers 3-1 to 3-k will be collectively referred to as the "individual company operation server 3." Furthermore, when there is no need to distinguish between end users M1 to Mq, they will be collectively referred to as "end user M." Furthermore, when referring to end user M, end user terminals 4-1 to 4-q will be collectively referred to as "end user terminal 4." Furthermore, when there is no need to distinguish between the investment management companies T1 to Tr, they will be collectively referred to as the "investment management company T." Furthermore, when referring to the investment management company T, the investment management company terminals 5-1 to 5-r will be collectively referred to as the "investment management company terminal 5."

[0084] The service provider server 1, individual company back office system 2, individual company management server 3, end user terminal 4, and investment management business operator terminal 5 are interconnected via a predetermined network N. Note that, although the network N is the Internet in this embodiment, its form is not particularly limited, and other networks such as Bluetooth (registered trademark), Wi-Fi, and LAN (Local Area Network) can also be used.

[0085] Although not shown, the service provider server 1, individual company back office system 2, individual company management server 3, end user terminal 4, and investment management company terminal 5 of the information processing system of Figure 21 of the second embodiment also have the hardware configuration shown in the service provider server 1 of Figure 7 of the first embodiment.

[0086] Next, with reference to FIG. 22, a functional configuration of the service provider server 1 of the second embodiment having the hardware configuration shown in FIG. 7 will be described. FIG. 22 is a functional block diagram showing an example of the functional configuration of the service provider server shown in FIG. 7 according to the second embodiment of the information processing device of the present invention.

[0087] As shown in FIG. 22, the CPU 11 of the service provider server 1 is provided with a virtual account management unit 51. The virtual account management unit 51 of the second embodiment includes a discretionary asset matching management unit 61, an individual management unit 62, and a user interface control unit 63 similar to those of the first embodiment, as well as an access control unit 64, an end user management unit 65, an operation service management unit 66, and an investment management company management unit 67. The storage unit 18 of the service provider server 1 is provided with an end user DB 81, an investment service DB 82, and an investment management business DB 83.

[0088] Here, the basic policies of the second embodiment of the present invention for solving the problems of the conventional methods described above with reference to FIGS. 18 to 20 are the following policies 1 and 2. Basic policy 1 is a policy that enables multiple individual financial institutions (individual financial institutions KA and KB in the example of FIG. 20) to inexpensively realize simultaneous operation of multiple operational services. Basic policy 2 is a policy that standardizes connections with multiple investment management companies (investment management companies T1 and T2 in the example of Figure 20), allowing these multiple investment management companies to be incorporated inexpensively. The simultaneous operation of Basic Policy 1 can be achieved by simply applying the method of any number of virtual accounts to a trading account that was made possible in the first embodiment. Therefore, the service provider server 1 of the second embodiment essentially has the same functional configuration as the service provider server 1 of the first embodiment, that is, the discretionary asset matching management unit 61, the individual management unit 62, and the user interface control unit 63 that are the same as those in the first embodiment. Therefore, in the following explanation, as functional configurations for realizing Basic Policy 2, we will explain the differences from the first embodiment, namely, the access control unit 64, the end user management unit 65, the operation service management unit 66, and the investment management company management unit 67, with reference to Figures 23 to 30 as appropriate.

[0089] First, in order to realize Basic Policy 2, a discretionary investment contract between end user M and an investment management business operator is a prerequisite. Therefore, regarding a discretionary investment contract with an investment management business operator, management of the contract status, application and cancellation will be explained with reference to Figs. 23 to 25.

[0090] FIG. 23 is a diagram showing an overview of a method for managing the contract status of discretionary investment contracts for management services provided by an investment management company.

[0091] As a premise, a discretionary investment contract is concluded for each management service. This discretionary investment contract is concluded between end user M and investment management company T. However, since financial institution K is responsible for holding, purchasing, and selling securities, the written investment management contract may be prepared jointly in some cases. Discretionary investment contracts are managed as "discretionary investment contract document template sets" (hereinafter referred to as "template sets") for each management service. In order to realize multiple discretionary investment contracts, as shown in Figure 23, the virtual account management unit 51 of the service provider server 1 distinguishes the template sets that make up the discretionary investment contracts for each management service, and allows the investment management company T to manage the template sets through the management screen or API.

[0092] The functional blocks that function to realize the method for managing the contract status of a discretionary investment contract as shown in FIG. 23 are the operation service management unit 66 and the user interface control unit 63. The operation service management unit 66 manages data linked to a predetermined operation service as operation service data, including a template set for a discretionary investment contract for the predetermined operation service between the end user M and the investment management business operator T. Operation service data other than the template set will be described later. The operation service data is stored in the operation service DB 82 for each of multiple operation services. Specifically, for example, the operation service management unit 66 links the operation service data (only the template set is shown in the example of Figure 23), an operation service ID that can identify the specified operation service, and the specified operation service (and the associated fund account), and manages them for each of N operation services (three operation services A, B, and C in the example of Figure 23). The user interface control unit 63 provides the end user terminal 4 or the investment management company terminal 5 with a user interface (a management screen or API in the example of Figure 23) to be used by the end user M or the investment management company T when concluding, during, or canceling a discretionary investment contract for a specified management service.

[0093] Next, the flow of application for a discretionary investment contract by end user M with investment management business operator T will be described. FIG. 24 is a diagram showing an outline of the flow of an application for a discretionary investment contract by an end user with an investment management business operator.

[0094] The virtual account management unit 51 of the service provider server 1 manages the contract status of a discretionary investment contract for each combination of a fund account and management service. For example, the flow of a contract application is as follows: That is, in step SF1, end user M operates end user terminal 4 to select a fund account for which he / she wishes to introduce the management service on financial institution individual company K (individual company management service page managed by individual company management server 3). In the following, the act of end user M operating end user terminal 4 to perform a specified action on financial institution individual company K (individual company operation service page managed by individual company operation server 3) will be abbreviated as simply "end user M performs a specified action." In step SF2, the end user M selects a management service that entrusts the management of the fund account to the end user. In step SF3, the end user M applies for the operation service. At that time, the end user M confirms and agrees to the documents to be provided before concluding the contract. In step SF4, the operation service management unit 66 of the service provider 1 registers the discretionary investment contract in the operation service DB 82 as being under application. In step SF5, the investment manager T operates the investment manager terminal 5 to obtain all discretionary investment contracts (management service data such as data sets) for which applications have been submitted. In step SF6, investment management business operator T operates investment management business operator terminal 5 to accept the application. In step SF7, the operation service management unit 66 of the service provider server 1 accepts the application and registers the discretionary investment contract (operation service data such as a data set) in the operation service DB 82 as having been concluded. In step SF8, the discretionary asset matching management unit 61 of the service provider server 1 executes control to link the contract information to the individual company back office system 2 of financial institution individual company K. In step SF9, financial institution individual company K (individual company management service page managed by individual company management server 3) notifies end user M that a discretionary investment contract has been concluded via end user terminal 4. Note that end user M may also be notified of the conclusion of a discretionary investment contract by email or mail, without going through end user terminal 4.

[0095] Next, the process of end user M canceling a discretionary investment contract with investment management company T will be described. FIG. 25 is a diagram showing an outline of the process for an end user to cancel a discretionary investment contract with an investment management company.

[0096] The virtual account management unit 51 of the service provider server 1 cancels a discretionary investment contract in the same manner as an application, for each combination of a fund account and management service. For example, the process for terminating a contract is as follows: That is, in step SG1, end user M operates end user terminal 4 to apply for cancellation of the operation service on financial institution individual company K (individual company operation service page managed by individual company operation server 3). In the following, the act of end user M operating end user terminal 4 to perform a specified action on financial institution individual company K (individual company operation service page managed by individual company operation server 3) will be abbreviated as simply "end user M performs a specified action." In step SG2, the individual financial institution KA specifies the discretionary investment contract for the target management service and submits a cancellation request to the service provider server 1. In this case, the discretionary investment contract is uniquely identified by the fund account and the management service. In step SG3, the operation service management unit 66 of the service provider 1 receives the cancellation application and registers the contract as being cancelled in the operation service DB 82. In step SG4, the operation service management unit 66 acquires from the operation service DB 82 a list of contracts for which the operation service is in the cancellation state. In step SG5, the operation service management unit 66 creates an asset sale instruction for the assets in the fund account linked to the contract being terminated. In step SG6, the discretionary asset matching management unit 61 of the service provider server 1 executes control to link an asset selling instruction to the individual company back office system 2 of financial institution individual company K. In step SG7, the discretionary asset matching management unit 61 executes control to link the contracts associated with the sales instruction from the individual company back office system 2 of financial institution individual company K. In step SG8, the management service management unit 66 completes the transfer of all contracts associated with the sale of assets, and in step SG9, registers the discretionary investment contract as terminated in the management service DB 82.

[0097] Next, the access control required to realize the basic policy 2 of the second embodiment will be described. FIG. 26 is a diagram showing an outline of access control executed by a service provider server having the functional configuration of FIG.

[0098] In order to properly perform the discretionary investment contract, the investment management companies TX and TY are required to carry out, for example, the following Businesses 1 to 3. The first task is to monitor the operational status as the responsibility of the operations manager. The second task is to periodically check the appropriateness of the contract (for example, checks related to anti-money laundering) as a responsibility of the party entering into the contract. The third business is customer support. In order to carry out these first to third services, the investment management companies TX and TY need to understand the data held by the service provider 1, such as customer information, contract data, and management information. Naturally, it is not permitted for investment management company TY, which provides a different management service, to refer to data from the management service provided by investment management company TX. Conversely, it is not permitted for investment management company TX, which provides a different management service, to refer to data from the management service provided by investment management company TY. On the other hand, when individual financial institution KXs provide operational services, they need to refer to data on the entire operational service. For the above reasons, in order for multiple investment management companies TX and TY to participate in the management service, it is necessary to create a system that appropriately controls access to data from individual financial institutions KA and the investment management companies TX and TY. Such a system or process for appropriately controlling access is called access control. The access control is performed by the access control unit 64 in FIG.

[0099] There are three types of data held within Service Provision 1: The first type of data is data associated with operational services. The second type of data is data linked to end user M. The third type of data is other data.

[0100] The data associated with the first type of operational service is operational service data. That is, the management service data includes, in addition to the template set shown in FIG. 23, information on the contract and management information within the fund account, for example. As described above, the operation service data is stored for each operation service in the operation service DB 82 of Fig. 22 and managed by the operation service management unit 66. That is, each operation service is assigned an operation service ID that can identify it, and the operation service ID is managed in association with the operation service data.

[0101] The second type of data associated with end user M (hereinafter referred to as "end user data") is, for example, customer information (so-called personal information) such as end user M's name and address. The end user data is stored in the end user DB 81 of Fig. 22 and managed by the end user management unit 65. That is, the end user M is assigned an end user ID that can identify the end user M, and the end user ID is managed in association with the end user data.

[0102] The third type of other data includes, for example, stock master data and various settings. Furthermore, data relating to investment manager T (hereinafter referred to as "investment manager data") is an example of other data. The investment manager data is stored in investment manager DB 83 of Fig. 22 and managed by investment manager management unit 67. That is, investment manager T is assigned an investment manager ID that allows it to be identified, and the investment manager ID is managed in association with the investment manager data.

[0103] Access control is required for the first type of operational service data and the second type of end-user data. Therefore, the following describes access control for both operational service data and end-user data.

[0104] FIG. 27 is a diagram showing an outline of the link between the management service and the investment management business operator, which is necessary for access control to management service data.

[0105] In preparation for access control to management service data, the service provider server 1 first links the management service ID with the investment management company ID in order to manage the link between the investment management company T and each of the one or more management services provided by the investment management company T. This makes it possible to link the management service data with investment management company T.

[0106] FIG. 28 is a diagram showing an overview of access control for operational service data.

[0107] For example, the general flow of determining whether or not a user has access rights to a template set for an operational service provided by a financial institution KA is as follows. In step SH1, the access control unit 64 acquires the role to which the person in charge belongs. In the example of FIG. 28, the role of the person in charge TXT of the investment management company TX, the role of the person in charge TYT of the investment management company TY, or the role of the person in charge KAT of the financial institution KA is acquired. In step SH2, if the acquired role belongs to a person in charge KAT of a financial institution KA, the access control unit 64 proceeds to step SH2-a; otherwise (if it belongs to a person in charge of an investment management company T), the access control unit 64 proceeds to step SH3. In step SH2-a, the access control unit 64 grants the financial institution employee KAT access authority to all template sets X-1 and X-2, thereby completing the access control process. On the other hand, if the role belongs to a person in charge of investment management business operator T, in step SH3 the access control unit 64 acquires the investment management business operator ID of the investment management business operator T to which the person in charge indicated by the role belongs. In step SH4, the access control unit 64 acquires the investment management business operator ID associated with each of the management service IDs of the respective management services. In step SH5, if the investment management company IDs acquired in steps SH3 and SH4 match, the access control unit 64 grants the person in charge access authority to the template set identified by the management service ID associated with the investment management company ID acquired in step SH4. If there is a mismatch in step SH5, it is determined that there is no access right. In reality, access rights (CRUD), such as whether or not a person has read, update, or delete permissions, are precisely controlled according to the person's role in the workplace (such as legal officer or operations manager).

[0108] The access control to operational service data has been described above. Next, access control for end-user data will be described. FIG. 29 is a diagram showing an overview of the acquisition and management of end-user data.

[0109] Data relating to end user M is received and stored by financial institution KA through account opening etc. The service provider server 1 receives and stores personal information necessary for the conclusion and maintenance of a discretionary investment contract as end user data of the end user M from the individual financial institutions KA in the following manner. In step SI1, the end user M operates the end user terminal 4 to apply for a discretionary investment contract for management services on the financial institution individual company KA (individual company management service page managed by the individual company management server 3). In the following, the act of end user M operating end user terminal 4 to perform a predetermined action on financial institution individual company KA (individual company operation service page managed by individual company operation server 3) will be abbreviated as "end user M performs a predetermined action." As mentioned above, "end user M performs a predetermined action" includes the case where a salesperson who conducts face-to-face sales with end user M acts on behalf of (entrusts) end user M with a predetermined action. In step SI2, the discretionary asset matching management unit 61 of the service provider server 1 executes control to link the discretionary investment contract application instructions to which the customer information is added at the individual financial institutions KA. In step SI3, the user interface control unit 63 of the service provider server 1 causes the end user terminal 4 to display a contract application UI. In step SI4, the end user M agrees to the application through the contract application UI. In step SI5, the end-user management unit 65 of the service provider server 1 acquires the customer information 81 and contract information 82 of the end user M who has agreed to the application as end-user data, and stores them in the end-user DB 81. In step SI6, the discretionary asset matching management unit 61 executes control to link end user data (customer information) with individual financial institutions KA (at regular intervals after the contract is concluded). In step SI7, the end-user management unit 65 updates the end-user data (customer information) in accordance with the cooperation details of step SI6.

[0110] FIG. 30 is a diagram showing an overview of access control for end-user data.

[0111] The authority to access end user data (customer information) by each of the personnel of financial institution KA and investment management companies TX and TY is determined in the following manner. That is, in step ST1, the access control unit 64 acquires the role to which the person in charge belongs. In the example of FIG. 30, the role of the person in charge TXT of the investment management company TX, the role of the person in charge TYT of the investment management company TY, or the role of the person in charge KAT of the financial institution KA is acquired. In step ST2, if the acquired role belongs to a person in charge KAT of a financial institution KA, the access control unit 64 proceeds to step ST2-a; otherwise (if it belongs to a person in charge of an investment management company T), the access control unit 64 proceeds to step ST3. In step ST2-a, the access control unit 64 grants the financial institution employee KAT access authority to the end user data, thereby completing the access control process. On the other hand, if the role belongs to a person in charge of investment management business operator T, in step ST3, the access control unit 64 acquires the investment management business operator ID of the investment management business operator T to which the person in charge indicated by the role belongs. In step ST4, the access control unit 64 acquires all operation service IDs of one or more operation services to which the end user M has subscribed (including those under contract, excluding those that have been cancelled). In step ST5, the access control unit 64 acquires all of the one or more investment management business operator IDs that are linked to the one or more management service IDs for which the application has been made and that were acquired in step ST4. In step ST6, if the investment management company ID obtained in step SH3 is included in the investment management company ID obtained in step SH5, the access control unit 64 grants access authority to the person in charge of the investment management company identified by the investment management company ID obtained in step SH3. Specifically, for example, if end user M has only applied for management service X-1 and has not applied for or canceled other management services, the person in charge TXT of investment management company TX will be given access authority to end user data (customer information) of end user M. In contrast, the person in charge TYT of investment management company TY will not be given access authority. By implementing the above access control, data can be protected in a situation in which an individual financial institution KA that provides management services and multiple investment management companies T (in this example, investment management companies TX and TY) participate.

[0112] Next, the hub function of financial institution K and investment management business operator T, which becomes possible by applying the service provider server of the second embodiment, will be described. Figure 31 is a diagram showing an overview of the hub functions of individual financial institutions and investment management companies.

[0113] In the conventional method, individual financial institutions (KA, KB, KC) almost always connect directly to the investment management company (TX), and the connection costs resulting from the multiplicative increase in connections were one of the hurdles. To overcome this hurdle, a hub function that connects the individual financial institutions KA, KB, and KC with the investment management company TX in the service provider server 1 of the second embodiment will be described. First, the individual financial institution ID that can identify the previously defined individual financial institution K and the investment management company ID that can identify the investment management company T are defined to be globally unique values. Being globally unique means that there is no individual financial institution K or investment management business operator T with the same individual financial institution ID and investment management business operator ID within the scope managed by the service provider server 1. Next, a proxy unit 52 is prepared to function on the service provider server 1, allowing the investment management company T to access the virtual account management unit 51n associated with each individual financial institution Kn (n is an arbitrary value, and in the example of Figure 31 is any of A, B, or C). That is, a virtual account management unit 51 is prepared for each individual financial institution K. The virtual account management unit 51 of each individual financial institution K may be provided in a separate device as a service provider server 1. For this reason, it would be costly and difficult for the investment management business operator T to individually establish a connection with the virtual account management unit 51 of each individual financial institution K. Therefore, the proxy unit 52 is provided to transparently handle the virtual account management unit 51 provided for each individual financial institution K.

[0114] For example, the flow of operations in which an investment management company TX finds an accessible virtual account management unit 51 from among multiple financial institutions KA, KB, and KC is as follows. In step STU1, the investment management business operator TX operates the investment management business operator terminal 5 to connect to the proxy unit 52 using its own investment management business operator ID (X). In step STU2, the proxy unit 52 inquires of each of the virtual account management units 51A, 51B, and 51C associated with each of the pre-registered financial institutions KA, KB, and KC whether the investment management company ID (X) is accessible. In step STU3, each of the virtual account management units 51A, 51B, and 51C associated with each of the individual financial institutions KA, KB, and KC determines whether the investment management company ID (X) inquired about in step STU2 is accessible, and returns the determination result to the proxy unit 52. In step STU4, the proxy unit 52 aggregates the judgment results from each of the virtual account management units 51A, 51B, and 51C associated with each of the individual financial institutions KA, KB, and KC, and obtains a virtual account management unit 51 that can be accessed by the investment management company TX.

[0115] Regarding steps STU2 and 3, instead of making an inquiry each time as described above, a method may be used in which the information on the investment management business operator ID is shared in advance between proxy unit 52 and each virtual account management unit 51. Once the accessible virtual account management unit 51 has been identified, the proxy unit 52 relays access from the investment management company TX to the virtual account management unit 51, thereby enabling access to the data held by the virtual account management unit 51 in accordance with the procedures described above in the access control section. By adopting such a hub function between financial institution K and investment management company T, financial institution K and investment management company T can appropriately access data simply by establishing a connection to virtual account management unit 51 or proxy unit 52 once, thereby achieving cost reduction effects.

[0116] To summarize the above, the service provider server 1 of the second embodiment communicates with an end user terminal 4 managed by an end user M who receives N (N is an integer value of 1 or greater) management services using his or her assets, an individual company back office system 2 managed by an individual financial institution K that manages the assets of end user M in a trading account, and M investment management company terminals 5 managed by each of M (M is an integer value of 1 or greater) investment management companies T that manage at least some of the N management services by entering into a contract with end user M. The operation service management unit 66 manages, for example, as shown in Figure 23, data linked to a specified operation service, including contract status data (e.g., the template set in Figure 23) indicating the status of the contract between the end user M and the investment management company T for the specified operation service, as operation service data, by linking the operation service data with an operation service ID that can identify the specified operation service and a fund account associated with the specified operation service, for each of N operation services. The user interface control unit 63 provides the end user terminal 4 or the investment management business operator terminal 5 with a user interface to be used by the end user M or the investment management business operator T when a contract for a predetermined management service is concluded, during the contract, or when the contract is terminated. In this case, the virtual account management unit 51 performs processing using management service data in the fund account associated with the specified management service ID based on operations for the specified management service using the user interface of the end user M or the investment management company T.

[0117] Furthermore, the service provider server 1 of the second embodiment can execute access control for the operator service data as shown in FIG. 26 in the following manner. That is, the investment management company management unit 67 manages, for each asset management company of M, the correspondence between the management service ID of each of the one or more management services for which a specified investment management company T has entered into a contract with an end user M, out of the N management services, and the investment management company ID of the specified investment management company T. When an operation is performed using the user interface by a specified investment management company Tk among the investment management companies T of M, the access control unit 64 permits access to one or more management service data identified by one or more management service identifiers associated with the asset management company ID of the specified investment management company Tk. The virtual account management unit 51 executes processing using the operational service data to which access is permitted.

[0118] Furthermore, the service provider server 1 of the second embodiment can execute access control for end-user data as shown in FIG. 27 in the following manner. That is, the end user management unit 65 manages data linked to the end user M as end user data (customer information as personal information). When a predetermined investment management business operator T performs an operation using the user interface, the access control unit 64 determines whether or not any of the management services of M operated by the predetermined investment management business operator T has concluded a contract with the end user M, and if it determines that there is, it permits access to the end user data of the end user M, but if it determines that there is not, it prohibits access to the end user data.

[0119] Furthermore, the service provider server 1 of the second embodiment can realize a hub function for a financial institution K and an investment management business operator T as shown in FIG. 31 in the following manner. That is, a dedicated virtual account management unit 51 is provided for each of P (P is an integer value of 1 or greater) individual financial institutions K. When an access request is received from the investment management company terminal 5 of a specified investment management company T, the proxy unit 52 connects the investment management company terminal 5 of the specified investment management company T to the dedicated virtual account management unit 51 of each of one or more financial institutions K linked to the specified investment management company T.

[0120] The service provider server 1 of the second embodiment configured as above can achieve the following various effects. That is, by applying the service provider server 1 of the second embodiment, the hurdle of bundling is eliminated, and it becomes possible for multiple investment management businesses T to provide any number of management services. Hereinafter, this situation will be referred to as the "bazaarization of management services," with financial institution K regarded as the market and investment management company T as the tenant selling products. That is, by applying the service provider server 1 of the second embodiment, it becomes possible to realize a bazaar of operational services, and as a result, it becomes possible to provide services such as those shown in FIGS.

[0121] FIG. 32 is a diagram showing a specific example of a selective operation service, among the services that can be provided by the bazaaring of operation services by the service provider server 1 of FIG. As described above in the first embodiment, the service provider server 1 can open any fund account and link each account to an investment service. This can be expanded to realize a service that allows the end user M to select an investment category and an investment service. Hereinafter, such a service will be referred to as a "selection-type investment service."

[0122] The specific flow of the selective operation service is as follows: That is, in step SK1, the end user M operates the end user terminal 4 to select the operation category on the screen G10 when registering a goal, and presses "Proceed to operation service selection." In step SK2, a screen G11 showing a list of management services and indices belonging to the management category is displayed on the end user terminal 4. On the screen G11, the indices are used as criteria when the end user M makes a selection. Specifically, for example, the indices include the Sharpe ratio, annualized return, and rating. In step SK3, the end user M operates the end user terminal 4 to select the management service for which he / she wishes to apply for a discretionary investment contract from the list on screen G11, and presses "Apply for management service." As a result, the screen displayed on the end user terminal 4 advances from screen G11 to screen G12. In step SK4, end user M operates end user terminal 4 and clicks "Open" on the discretionary investment contract pre-document on screen G12. As a result, the latest document registered in advance by Y Investment Advisor, the investment management company T of the management service "Smart Fund," is displayed on end user terminal 4, although this is not shown in the figure. In step SK5, the end user M checks the pre-contract documents and the like, and operates the end user terminal 4 to press "Agree and apply" on the screen G12. In step SK6, the virtual account management unit 51 of the service provider server 1 generates a transaction indicating that the end user M has applied for the management service "Smart Fund," and updates the customer information database.

[0123] FIG. 33 is a diagram showing an example of the flow of a discretionary investment contract application behind the scenes of the selective management service shown in the example screen of FIG. In this example, the discretionary assets for the management service applied for by the end user M are managed by an individual financial institution KA, and the processing is performed by a dedicated virtual account management unit 51A of the management service provider server 1.

[0124] In step SL1, the investment management company TX operates the investment management company terminal 5 to submit a template set. In step SL2, the end user M operates the end user terminal 4 to apply for the operation service. In step SL3, virtual account management unit 51A creates data for delivery of pre-contract documents and registers the contract status as "application completed." During this step SL3, steps SK4 to SK6 in Figure 32 are being carried out for end user M. In step SL4, the investment management company TX operates the investment management company terminal 5 to confirm the application details. In step SL5, the investment management company TX operates the investment management company terminal 5 to accept the application. In step SL6, virtual account management unit 51A creates data to be delivered in the document to be delivered at the time of contract conclusion, and updates the contract status to concluded. From here on, the flow of management is the same as that described above in the first embodiment, in which any fund account is opened and linked to the respective management services.

[0125] FIG. 34 is a diagram showing a specific example of a basket-type operation service, among the services that can be provided by the bazaaring of operation services by the service provider server 1 of FIG.

[0126] As operational services become more bazaar-like, the increase in options may create a problem in which the law of decision avoidance becomes more likely to apply to end users M. For example, in the case of investment trusts, some financial institutions offer over 1,000 different management services. Since many searches result in websites that introduce how to choose investment trusts, it is thought that the law of decision avoidance is at work when buying and selling investment trusts. A service that can solve these issues is the "basket-type investment service."

[0127] The specific flow of the basket-type management service is as follows: That is, in step SM1, the end user M operates the end user terminal 4 to select the operation category on the screen G201 when registering a goal, and presses "Proceed to selection of operation service basket." In step SM2, a screen G202 showing a list of operation services and indexes belonging to the operation category is displayed on the end user terminal 4. In step SM3, the end user M operates the end user terminal 4 to select the operation services that he or she wants to include in the operation service basket from the list on screen G202, and presses "Apply for operation service basket." As a result, the screen displayed on the end user terminal 4 advances from screen G202 to screen G203. In step SM4, although not shown, pre-contract documents and the like relating to all operation services included in the operation service basket are delivered (displayed on the end user terminal 4). In step SM5, the end user M checks all pre-contract documents and the like, and operates the end user terminal 4 to press "Agree and apply" on the screen G202.

[0128] This makes it unnecessary to force the end user M to make a single choice even if the number of operational services increases due to the bazaar-like nature of operational services. Furthermore, as an expansion of the investment service basket, it is conceivable to periodically adjust the weighted allocation based on indicators of investment services such as the Sharpe ratio and annualized return. The adjustment may be made by the financial institution as advice to the end user M, or by the financial institution receiving a commission from the end user M to make the adjustment. These various services (adjustment mechanisms) are expected to create selection pressure for better operational services, leading to improvements in operational services.

[0129] The second embodiment of the present invention has been described above.

[0130] Next, definitions of terms used in the first and second embodiments will be explained with reference to FIGS. 35 to 41 as needed.

[0131] FIG. 35 is a diagram showing an outline of the operation service.

[0132] As shown in Figure 35, the management service refers to a series of services and a system therefor that provide a forum where end user M enters into a specific discretionary investment contract with investment management business operator T and entrusts the management of end user M's assets to investment management business operator T. Also, the investment management business operator ID is used to uniquely identify investment management business operator T. That is, as shown in Figure 35, an investment management company T, which is assigned an investment management company ID, and an end user M exchange documents prior to the conclusion of a discretionary investment contract, documents to be provided at the time of conclusion of a discretionary investment contract, and the transfer of discretionary investment assets through a forum provided by the management service.

[0133] FIG. 36 is a diagram showing an example of a template set for a discretionary investment contract document.

[0134] As shown in FIG. 36, this service manages template sets for each version of discretionary investment contract documents. Here, "documents prior to the conclusion of a discretionary investment contract" may include, for example, the following documents: 1.Document prior to conclusion of discretionary investment contract 2. Agreement regarding the provision of personal information to a third party 3. Agreement regarding electronic delivery 4. Pre-contract documents for investment trusts 5.Discretionary Investment Management Agreement Terms and Conditions In addition, the "documents prior to the conclusion of a discretionary investment contract, etc." may be managed as a collection of documents that combine all or part of the documents, or they may be managed all separately. Hereinafter, in this embodiment, the "documents prior to the conclusion of a discretionary investment contract, etc." will be described as being managed as a single collection of documents. Discretionary investment contracts are managed by linking together documents provided prior to the conclusion of the discretionary investment contract and documents provided at the time of the discretionary investment contract. The documents to be provided before entering into a discretionary investment contract and the documents to be provided at the time of entering into a discretionary investment contract are each version-controlled, and their history and differences are collectively managed as a "discretionary investment contract document template set."

[0135] FIG. 37 is a diagram showing the relationship between the operation service and the operation service ID.

[0136] As shown in FIG. 37, an operation service and an operation service ID are associated with each other. That is, the operation service ID uniquely identifies the operation service. In addition, the management service is built on the basis of the discretionary investment contract. Therefore, there is a one-to-one correspondence between the management service and the discretionary investment contract document template set.

[0137] FIG. 38 is a diagram showing the relationship between end users and accounts.

[0138] A financial institution KX is assigned an individual financial institution ID that identifies the financial institution KX. End user M opens a securities account (general account) with financial institution KX. End user M is assigned an end user ID to identify the general account held by end user M within financial institution KX. In this way, the end user KX's general account at financial institution KX is identified by the financial institution individual company ID and the end user ID.

[0139] FIG. 39 shows the relationship between the general account and the trading account.

[0140] As shown in Figure 39, trading accounts that actually manage transactions are managed as belonging to a general account. Here, multiple trading accounts (N in the example of Figure 39) belong to one general account. For example, general accounts, special accounts, and NISA accounts are examples of trading accounts.

[0141] FIG. 40 is a diagram showing an example of management of general accounts and account classifications.

[0142] Unlike Figure 39, general accounts and specified accounts can also be expressed using a combination of a general account and an account type (specified account or general account), as shown in Figure 40. This is one example of how to express a trading account. Therefore, as long as the above-described service can be realized, general accounts and trading accounts may be managed using either expression method. Assets under discretionary investment management are managed within a trading account.

[0143] FIG. 41 is a diagram showing the relationship between fund accounts and virtual account codes.

[0144] As shown in Figure 41, in order to manage multiple discretionary investments within one trading account, discretionary investment assets are managed using virtual account codes. The combination of the trading account ID and the virtual account code is used to identify a virtual account that manages assets for discretionary investment management, i.e., a fund account. Each company can define any number of virtual account codes.

[0145] Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and modifications, improvements, etc. within the scope of achieving the object of the present invention are included in the present invention.

[0146] For example, in the above embodiment, the individual company back office system 2 is assumed to register dividend and distribution information from investment target securities, but the investment target can be handled as follows.

[0147] FIG. 42 is a diagram showing an example of handling of investment targets.

[0148] As shown in FIG. 42, multiple management services (management services A and B in the example of FIG. 42) can be used with different investment targets. In the explanation of the virtual account management unit 51 for adding any number of virtual accounts to a trading account, we have explained that this is an improvement on the dedicated product method as a method for separate management. As a result, it is possible to manage the assets of fund accounts, which are the units of management, separately, and it is no longer necessary to prepare dedicated products for each management service. In other words, even if the number of management services increases due to the effect of the second embodiment, there is no need to increase the number of investment targets proportionally. This brings about the following effects.

[0149] First, it will be possible to handle products that cannot be prepared as dedicated products, such as listed securities. Specifically, for example, it is possible to make thematic investments, in which one company appears in multiple themes.

[0150] Second, even if it is possible to prepare specialized products such as investment trusts, the cost of structuring them can be reduced. Specifically, investments in major indexes such as TOPIX and S&P 500 can be standardized. That is, as shown in FIG. 42, investment trust b is included as an investment target in both management services A and B, while investment trusts a and c are investment targets only in management services A and B, respectively.

[0151] Below, we will explain how to handle shared investment targets using specific examples. Here, it is assumed that the discretionary investment contract has already been concluded. Also, the separate management of discretionary assets within the individual company back office system 2 is a subaccount system. Also, it is assumed that no cash reserves are generated.

[0152] FIG. 43 is a diagram showing an example of the flow of new contributions.

[0153] The following will explain the case where new contributions are made simultaneously to the above-mentioned management services A and B. First, in step SN1, end user M applies for new contributions of 1 million yen to investment service A in fund account K and 1.5 million yen to investment service B in fund account L. Next, in step SN2, the service provider server 1 instructs the individual company back office system 2 to transfer 2.5 million yen from non-discretionary assets to discretionary assets. Specifically, for example, in the case of the dedicated product method, the instruction is to purchase cash equivalents. Next, in step SN3, the individual company back office system 2 transfers 2.5 million yen from non-discretionary assets to discretionary assets. Next, in step SN4, the service provider server 1 calculates the purchase amount of the investment target in the fund accounts K and L (hereinafter referred to as "management instructions"). Specifically, for example, fund account K is calculated according to management service A as 400,000 yen for investment trust a, 600,000 yen for investment trust b, and 0 yen for investment trust c. For example, fund account L is calculated according to management service B as 0 yen for investment trust a, 1 million yen for investment trust B, and 500,000 yen for investment trust c. Next, in step SN5, the service provider server 1 sends an operation instruction to the execution person KAT. Next, in step SN6, the execution person KAT executes the buy order based on the investment instructions and executes the contract processing. Next, in step SN7, the execution staff KAT registers the contract details in the individual company back office system 2. Next, in step SN8, the execution person KAT communicates the details of the contract generated by the purchase instruction to the service provider server 1. Next, in step SN9, the service provider server 1 executes contract processing for each of the fund accounts K and L, and updates the balances.

[0154] The investment instruction linkage in step SN5 can be performed in two ways: one that aggregates the investment instructions of fund accounts K and L, and one that does not aggregate the investment instructions. Specifically, for example, the content that will be shared with the execution officer KAT in each method will be as follows. In other words, in the aggregation method, the contents of a 400,000 yen purchase in investment trust a, a 1.6 million yen purchase in investment trust b, and a 500,000 yen purchase in investment trust c are linked. In addition, in the non-aggregation method, the details of a 400,000 yen purchase in investment trust a and a 600,000 yen purchase in investment trust b are linked, and the details of a 1,000,000 yen purchase in investment trust b and a 500,000 yen purchase in investment trust c are linked.

[0155] FIG. 44 is a diagram showing the flow of rebalancing.

[0156] In the above-mentioned investment services A and B, the explanation will be given assuming that the unit price changes as shown below and that rebalancing is carried out accordingly. That is, it is assumed that the unit price of each investment trust has changed as follows: Suppose the base price of investment trust A changes from 10,000 yen to 10,000 yen (unchanged), the base price of investment trust B changes from 10,000 yen to 15,000 yen (+50%), and the base price of investment trust C changes from 10,000 yen to 12,000 yen (+20%). In this case, the allocation ratio of each discretionary investment service changes due to fluctuations in the unit price, so rebalancing is carried out as follows to return to the original ratio. In other words, the ratio of management service A is investment trust a: investment trust b = 4:6, and the ratio of management service B is investment trust b: investment trust c = 2:1.

[0157] Specifically, rebalancing is performed through the following steps: That is, in step SO1, the service provider server 1 creates rebalancing management instructions for fund accounts K and L. Specifically, for example, fund account K follows management service A, with investment trust a purchased for 120,000 yen, investment trust b cancelled for 120,000 yen, and investment trust c for 0 yen (no buying or selling).Furthermore, fund account L follows management service B, with investment trust a purchased for 0 yen (no buying or selling), investment trust b cancelled for 100,000 yen, and investment trust c purchased for 100,000 yen. Next, in step SO2, the service provider server 1 sends an operation instruction to the execution person KAT. Next, in step SO3, the execution officer KAT executes the rebalancing order based on the investment instructions and executes the contract processing. Next, in step SO4, the execution officer KAT registers the contract details in the individual company back office system 2. Next, in step SO5, the execution person KAT communicates the details of the contract that occurred due to the rebalancing to the service provider server 1. Next, in step SO6, the service provider server 1 executes contract processing for each of the fund accounts K and L, and updates the balances.

[0158] The investment instruction linkage in step SO2 can be performed in two ways: one that aggregates the investment instructions of fund accounts K and L, and one that does not aggregate the investment instructions. Specifically, for example, the content that will be shared with the execution officer KAT in each method will be as follows. In other words, in the aggregation method, the contents of a 120,000 yen purchase in investment trust a, a 220,000 yen cancellation in investment trust b, and a 100,000 yen purchase in investment trust c are linked. In addition, in the non-aggregation method, the details of a 120,000 yen purchase in investment trust a and a 120,000 yen non-cancellation in investment trust b are linked, and the details of a 100,000 yen cancellation in investment trust b and a 100,000 yen purchase in investment trust c are linked.

[0159] FIG. 45 is a diagram showing the relationship between portability and commands.

[0160] Here, additional explanations will be given for the terms used in the explanation of Figure 45. In other words, portability means that it is possible to connect not only to a specific company's system, but also to the same type of system of another company. In other words, it means that it is possible to connect to each of multiple financial institutions, individual companies K. "Individual Company" refers to a Type 1 Financial Instruments Business Operator or registered financial institution that introduces this service. In addition, a side effect refers to a change, such as creation, update, or deletion, to data held by the Service that occurs in connection with any processing related to discretionary investment management.

[0161] This results in the following relationship: In other words, securities account management is complicated, and typically involves a large number of systems that are tightly integrated. As a result, a lineup of services has been built around the back-office systems essential for securities account management, and it has been rare to be able to combine services from other companies, even if they offer the same functions. This service can be said to be a system for managing discretionary investment management that eliminates tight coupling with individual company back office systems 2 and has portability that allows connection to any system.

[0162] Specifically, the following three points have been introduced into this service as a way to achieve high portability. First, all side effects on data held by this service are caused by commands. Specifically, for example, the path by which a command is generated (i.e., the generator) and the side effects are independent. Secondly, the command generation route can be switched between the individual company back office system 2 and the virtual account management unit 51. Specifically, for example, various methods can be selected according to the construction of the individual company back office system 2, such as importing the individual company's specifications, calculating according to the specifications of the virtual account management unit 51, and replicating the individual company's specifications. Thirdly, a layer is provided that generates commands from data in the individual company back office system 2. Specifically, by creating a layer that absorbs the differences in the specifications of each financial institution's individual KX, it is possible to connect with a variety of back-office systems.

[0163] FIG. 46 is a diagram showing the plug-in implementation of discretionary investment contract conclusion and associated functions.

[0164] Here, additional explanations will be given for the terms used in the explanation of Figure 46. The component is a part of this service that provides discretionary investment contract management functions from contract signing to cancellation and deletion. "Individual Company" refers to a Type 1 Financial Instruments Business Operator or registered financial institution that introduces this service. End User M refers to an individual or corporation that enters into a discretionary investment contract and entrusts the management of assets to the other party. The life cycle of a discretionary investment contract, or contract life cycle, refers to the series of steps involved in the contract, starting from the agency of an individual company in concluding a discretionary investment contract, to consenting to any changes to the contract content, and to termination and data deletion after termination.

[0165] This provides the following effects. In other words, up until now, systems for concluding discretionary investment contracts and providing associated functions have been closely dependent on the sales screen, whether the service is online or face-to-face, and there has been no system that can provide functions related to the contract lifecycle on any sales screen. However, with this service, it is now possible to separate the functions related to the contract lifecycle from the sales screen and incorporate them into any sales screen.

[0166] Specifically, this service introduces the following three features to separate functions related to the contract lifecycle from the sales screen and enable them to be incorporated into any sales screen. First, the site creation functions related to the lifecycle of discretionary investment contracts have been separated. Specifically, the individual financial institution KX is responsible for orders, while the components are responsible for the contract lifecycle. Second, the transition between individual company sites and component sites is a transfer method. Specifically, by having the components take on the hosting role, portability is improved due to the independence of operations. Third, the data storage function related to the lifecycle of discretionary investment contracts has been separated. Specifically, each component can now store data and each financial institution can access it.

[0167] FIG. 47 is a diagram showing an example of a connection method for electronic delivery of documents. That is, as shown in Figure 47, when end user M requests the display of a document to be delivered, the data of the requested document is linked after authentication and authorization, and the requested document is displayed. At this time, the component provides a function to supplement documents related to discretionary investment contracts.

[0168] Furthermore, the hardware configuration shown in FIG. 7 is merely an example for achieving the object of the present invention, and is not particularly limited.

[0169] 8 and 22 are merely examples and are not particularly limited. That is, it is sufficient for the information processing system to be provided with a function that can execute the above-described series of processes as a whole, and the type of functional block used to realize this function is not particularly limited to the examples in FIGS. 8 and 22.

[0170] Furthermore, the locations of the functional blocks are not limited to those shown in FIGS. 8 and 22, and may be arbitrary. Furthermore, one functional block may be configured as a single piece of hardware, a single piece of software, or a combination thereof.

[0171] When the processing of each functional block is performed by software, the program that constitutes the software is installed into a computer or the like from a network or a recording medium. The computer may be a computer built into dedicated hardware, or may be a computer capable of executing various functions by installing various programs, such as a server, a general-purpose smartphone, or a personal computer.

[0172] The recording medium containing such a program may not only be composed of removable media that is distributed separately from the device itself in order to provide the program to each user, but may also be composed of recording media that are provided to each user in a state where they are pre-installed in the device itself.

[0173] In this specification, the steps describing the program to be recorded on the recording medium include not only processes that are performed in chronological order, but also processes that are not necessarily performed in chronological order but are performed in parallel or individually.

[0174] In addition, in this specification, the term "system" refers to an overall device that is made up of a plurality of devices, a plurality of means, and the like.

[0175] In summary, the information processing apparatus to which the present invention is applied is sufficient if it has the following configuration, and can take on a variety of different embodiments.

[0176] That is, an information processing device to which the present invention is applied (for example, the service provider server 1 in FIG. 8) Among devices of a manager that manage a predetermined object, an information processing device that communicates at least with another information processing device that distinguishes and manages a first-class management unit and a second-class management unit in a management unit where the predetermined object is managed, An individual unit management means (for example, the virtual account management unit 51 in FIG. 8) that associates each of the N individual units obtained as a result of dividing the first type management unit in the information processing device with each of N services (N is an integer value of 1 or more) operated within the framework of the first type management unit, and executes a process of managing the N individual units. It is enough to have this.

[0177] This makes it possible to link any number of fund accounts to management services, and also to open and manage any number of fund accounts.

[0178] moreover, the predetermined object is an asset, the management unit is an end user's trading account; The first type of management unit is a discretionary asset that is an asset under the discretionary investment contract of the end user, The second type of management unit is a non-discretionary asset that is an asset outside the management of the end user's discretionary investment contract, the service is an operation service; The individual units are virtual accounts; The individual unit management means Corresponding each of the N virtual accounts obtained as a result of dividing the discretionary assets into the N items in the information processing device to each of the N operation services operated within the framework of the discretionary assets, and managing the N virtual accounts. It is possible.

[0179] moreover, The individual unit management means a discretionary asset matching management means (e.g., a discretionary asset matching management unit 61 in FIG. 8 ) for managing the discretionary assets in the back office system to maintain a matching state between the discretionary assets in the back office system and the discretionary assets in the information processing device by executing processing of all transactions related to the discretionary assets of the end user that occur in the back office system; an individual unit management means (e.g., the individual management unit 62 in FIG. 8) for managing the N virtual accounts by executing transaction processing using the virtual accounts associated with each of the N operation services on the assumption that the matching state exists; can have:

[0180] Furthermore, the individual unit management means an end-user transaction execution unit (e.g., end-user transaction execution unit 71 in FIG. 8) that executes a transaction process based on an operation by the end user as the transaction process for a predetermined operation service among the N operation services; a back-office-generated transaction execution unit (e.g., the back-office-generated transaction execution unit 72 in FIG. 8) that executes processing of transactions related to the predetermined operation service among the transactions generated in the back-office system as processing of the transactions for the predetermined operation service; may include:

[0181] In addition, an information processing device to which the present invention is applied (for example, the service provider server 1 in FIG. 22) An end user device (e.g., end user terminal 4 in FIG. 21) managed by an end user who receives N operational services (N is an integer value of 1 or more) using his / her own assets; An asset manager device (for example, the individual company back office system 2 in FIG. 21) managed by an asset manager who manages the assets of the end user in predetermined management units; M investment management device (e.g., investment management company terminal 5 in FIG. 21 ) managed by M investment managers (M is an integer value of 1 or greater) who manage at least some of the N investment services by entering into contracts with the end users; An information processing device that communicates with each other, For the end user, an individual unit management means (for example, a virtual account management unit 51 in FIG. 22) is provided which associates each of the N individual units obtained as a result of dividing the management unit in the information processing device with each of the N operation services operated within the framework of the management unit, and executes a process of managing the N individual units; The individual unit management means an operation service management means (for example, the operation service management unit 66 in FIG. 22) for managing each of the N operation services by associating data associated with the predetermined operation service, including contract status data indicating the status of the contract between the end user and the operation manager for the predetermined operation service, with the operation service data, an operation service identifier capable of identifying the predetermined operation service, and the individual unit associated with the predetermined operation service; A user interface means (e.g., a user interface control unit 63 in FIG. 22) that provides a user interface used by the end user or the operator to the end user device or the operator device when the contract for the predetermined operation service is concluded, during the contract, or when the contract is terminated; Including, The individual unit management means is sufficient to perform processing using the operation service data in the individual unit associated with the specified operation service identifier based on operations performed by the end user or the operator on the specified operation service using the user interface.

[0182] This eliminates the hurdle of bundling, making it possible for multiple investment managers T to provide any number of management services.

[0183] moreover, The individual unit management means an investment manager management means (for example, the investment manager management unit 67 in FIG. 22) that manages, for each of the M managers, a correspondence between the management service identifier of one or more management services for which a designated investment manager has concluded a contract with the end user among the N management services and a manager identifier that can identify the designated investment manager; an access control means (for example, the access control unit 64 in FIG. 22) for permitting access to the one or more operational service data identified by the one or more operational service identifiers associated with the operator identifier of the predetermined operator when an operation is performed using the user interface from the predetermined operator among the operators of M; further comprising the individual unit management means executes a process using the operational service data to which access is permitted; It is possible.

[0184] moreover, The individual unit management means an end user management means (for example, the end user management unit 65 in FIG. 22) for managing data associated with the end user as end user data; Furthermore, The access control means When an operation is performed using the user interface by the predetermined operator among the operators of M, it is determined whether or not there is any of the operation services of M operated by the predetermined operator that has concluded the contract with the end user, and if it is determined that there is, it permits access to the end user data, whereas if it is determined that there is no such service, it prohibits access to the end user data. It is possible.

[0185] moreover, The individual unit management means is provided for each of the P asset managers (P is an integer value of 1 or more), When an access request is received from the manager device of a predetermined manager, a connection means (for example, the proxy unit 52 in FIG. 31) that connects the individual unit management means dedicated to each of the one or more asset managers linked to the predetermined manager with the manager device of the predetermined manager. The sensor may further include: [Explanation of symbols]

[0186] 1 Service provider server, 2 Individual company back office system, 3 Individual company management server, 4 End user terminal, 5 Investment manager terminal, 11 CPU, 20 Drive, 31 Removable media, 51, 51A, 51B, 51C, 51n Virtual account management unit, 52 Proxy unit, 61 Discretionary asset matching management unit, 62 Individual management unit, 63 User interface control unit, 64 Access control unit, 65 End user management unit, 66 Management service management unit, 67 Investment manager management unit, 71 End user transaction execution unit, 72 Back office generated transaction execution unit, 73 Self-generated transaction execution unit, 81 End user database, 82 Management service database, 83 Investment manager database

Claims

1. Among devices of an administrator that manage assets of an end user, an information processing device that communicates at least with another information processing device that separately manages discretionary assets, which are assets under the management of a discretionary investment contract of the end user, and non-discretionary assets, which are assets outside the management of the discretionary investment contract of the end user, in a trading account in which the assets of the end user are managed, For each of the N management services (N is an integer value of 1 or more) operated within the framework of the discretionary assets, receiving a unique virtual account code from the other information processing device for each of the operation services, and using the generated virtual account code, opening the N virtual accounts obtained as a result of dividing the discretionary assets in the information processing device into the N accounts; In each of the N virtual accounts that have been opened, a transaction is processed based on the associated operation service, a transaction based on the end user's operation; A transaction related to a discretionary asset received from the other information processing device; and, A transaction related to an operational service generated by the information processing device; Execute at least one of the following processes, a virtual account management means for performing at least one of: importing transactions relating to the discretionary assets of the end user that have occurred on the other information processing device into the information processing device; and importing transactions relating to the discretionary assets of the end user that have occurred on the information processing device into the other information processing device, thereby maintaining a correspondence between the discretionary assets in the other information processing device and the discretionary assets in the information processing device. An information processing device comprising:

2. The virtual account management means a discretionary asset consistency management means for managing the discretionary assets in the other information processing device to maintain a consistency between the discretionary assets in the other information processing device and the discretionary assets in the information processing device by executing processing of all transactions related to the discretionary assets of the end user that have occurred in the other information processing device; N virtual account management means for managing the N virtual accounts by executing the transaction processing using the virtual accounts associated with each of the N operation services on the assumption that the matching state exists; The information processing device according to claim 1 ,

3. The N virtual account management means: an end-user transaction execution means for executing a transaction process based on an operation by the end user as the transaction process for a predetermined operation service among the N operation services; a transaction execution unit for executing a transaction related to the predetermined operation service among the transactions generated in the other information processing device as a transaction process for the predetermined operation service; The information processing device according to claim 2 ,

4. An information processing method executed by an information processing device that communicates at least with another information processing device that, among devices of an administrator that manages assets of an end user, separately manages discretionary assets, which are assets under the management of a discretionary investment contract of the end user, and non-discretionary assets, which are assets outside the management of the discretionary investment contract of the end user, in a trading account in which the assets of the end user are managed, comprising: For each of the N management services (N is an integer value of 1 or more) operated within the framework of the discretionary assets, receiving a unique virtual account code from the other information processing device for each of the operation services, and using the generated virtual account code, opening the N virtual accounts obtained as a result of dividing the discretionary assets in the information processing device into the N accounts; In each of the N virtual accounts that have been opened, a transaction is processed based on the associated operation service, a transaction based on the end user's operation; A transaction related to a discretionary asset received from the other information processing device; and, A transaction related to an operational service generated by the information processing device; Execute at least one of the following processes, a virtual account management step of performing at least one of: capturing transactions related to the discretionary assets of the end user that have occurred on the other information processing device into the information processing device; and capturing transactions related to the discretionary assets of the end user that have occurred on the information processing device into the other information processing device, thereby maintaining a consistency between the discretionary assets in the other information processing device and the discretionary assets in the information processing device. An information processing method including:

5. Among the devices of the manager that manage the assets of the end user, a computer that communicates at least with another information processing device that separately manages discretionary assets, which are assets under the management of the discretionary investment contract of the end user, and non-discretionary assets, which are assets outside the management of the discretionary investment contract of the end user, in the trading account in which the assets of the end user are managed, For each of the N management services (N is an integer value of 1 or more) operated within the framework of the discretionary assets, receiving a unique virtual account code from the other information processing device for each of the operation services, and using the generated virtual account code, opening the N virtual accounts obtained as a result of dividing the discretionary assets in the computer into the N accounts; In each of the N virtual accounts that have been opened, a transaction is processed based on the associated operation service, a transaction based on the end user's operation; A transaction related to a discretionary asset received from the other information processing device; and, transactions involving said computer-generated operational services; Execute at least one of the following processes, a virtual account management step of performing at least one of capturing transactions related to the discretionary assets of the end user that have occurred on the other information processing device into the computer and capturing transactions related to the discretionary assets of the end user that have occurred on the computer into the other information processing device, and performing a process of maintaining a correspondence between the discretionary assets in the other information processing device and the discretionary assets in the computer. A program that executes control processing including:

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