Information processing device and information processing method

Abstract

To provide a technology capable of lowering a hurdle to investment by supporting procedures of a transaction by a user.SOLUTION: An information processing device according to the present disclosure includes the means for: managing actual or virtual investment to a product as a position; receiving settings related to a condition that should be satisfied by the total amount or an increase / decrease of evaluation amounts of a plurality of different positions owned by a user in order to set an investment target; and settling the plurality of different positions at that point of time when the condition that should be satisfied by the total amount or the increase / decrease of the evaluation amounts of the plurality of positions is satisfied.SELECTED DRAWING: Figure 33

Description

[Technical Field]

[0001] The present invention relates to an information processing device and an information processing method for managing investments according to goals. [Background technology]

[0002] Investments such as stock trading, foreign exchange margin trading, futures trading, and bond trading have a long history. In recent years, services have been proposed that allow users to invest electronic values ​​such as points, targeting people who are reluctant to actually invest money but are interested in investing (see, for example, Patent Document 1).

[0003] The microfinance promotion support system described in Patent Document 1 uses user points for microfinance. This system accepts, from the user terminal, a designation of the number of reserved points, which is the number of points that the user will reserve for use out of the total number of points available to the user. The designated number of reserved points is written to a storage means, and the expiration date of the designated number of reserved points is extended based on the reservation period for the designated number of reserved points. The system then executes information processing necessary for the investment amount to be invested as a microfinance, determined based on the number of reserved points stored in the storage means, to be invested in the investment destination. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2009-217312 Summary of the Invention [Problem to be solved by the invention]

[0005] The concept of limit orders and stop orders in investing is well known. In particular, if you set limit orders and stop orders when placing an order, the order will be automatically settled when the limit or stop order conditions are met, without the need to check every day.

[0006] While investment experts can set limit and stop orders based on their strategies, beginners often understand the concepts of limit and stop orders but are unsure of how high to set them. This is one of the factors that makes investing more difficult.

[0007] Additionally, beginner investors are advised to reduce investment risk by diversifying across multiple investments with different characteristics, rather than limiting themselves to a single investment. However, while asset value management may require consideration of the total value of multiple investments, buying and selling decisions and procedures must be made for each individual investment. In other words, when aiming for a certain overall goal while investing in multiple investments, procedures for realizing profits and cutting losses must be performed for each investment, which can be cumbersome. As a result, this can make investing more challenging for beginners. The more diverse the investment products, the more complicated the buying and selling decisions and procedures can become.

[0008] The present invention has been made in view of these problems, and its purpose is to provide a technology that can support users in the buying and selling procedures, thereby lowering the barriers to investment. [Means for solving the problem]

[0009] In order to solve this problem, for example, an information processing device according to the present invention has the following arrangement: A means of managing actual or hypothetical investments in commodities as positions; A means for accepting settings relating to conditions that must be satisfied by the total or increase / decrease in the valuation of multiple different positions held by the user in order to set an investment goal; means for settling the different positions when the condition that the total or increase / decrease in the valuation amount of the different positions must satisfy is met; Has, The setting related to the condition that the total or increase / decrease of the valuation amounts of the plurality of positions must satisfy corresponds to the value of a prize set by the user; the means for accepting the setting related to the condition accepts the setting related to the condition corresponding to the value of the prize by accepting the designation of the prize set by the user; It is characterized by: Furthermore, an information processing method according to the present invention has the following arrangement: 1. An information processing method executed by an information processing device that manages actual or virtual investments in commodities as positions, comprising: Accepting settings related to conditions that must be met by the total or increase / decrease in the valuation of different positions held by the user in order to set investment goals; When the condition that the total or increase / decrease in the valuation amount of the plurality of positions must satisfy is satisfied, at that time, closing the plurality of different positions. Has, The setting related to the condition that the total or increase / decrease of the valuation amounts of the plurality of positions must satisfy corresponds to the value of a prize set by the user; Accepting the setting of the condition includes accepting a designation of a prize set by the user, thereby accepting a setting of the condition corresponding to a value of the prize. It is characterized by: Furthermore, an information processing device according to the present invention has the following arrangement: A means of managing actual or hypothetical investments in commodities as positions; A means for accepting settings relating to conditions that must be satisfied by the total or increase / decrease in the valuation of multiple different positions held by the user in order to set an investment goal; a means for settling the different positions when the condition that the total or increase / decrease in the valuation amounts of the different positions must satisfy is met; The system is characterized by having a means for correcting the total or increase / decrease in the valuation amounts of the different positions that have been settled so that it matches the set value related to the condition. Furthermore, an information processing method according to the present invention has the following arrangement: 1. An information processing method executed by an information processing device that manages actual or virtual investments in commodities as positions, comprising: Accepting settings related to conditions that must be met by the total or increase / decrease in the valuation of different positions held by the user in order to set investment goals; When the condition that the total or increase / decrease in the valuation amount of the plurality of positions must satisfy is satisfied, closing the plurality of different positions at that time; correcting the total or increase / decrease in the valuation amounts of the different positions that have been settled so that the total or increase / decrease in the valuation amounts matches a set value related to the condition; The present invention is characterized by having the following: [Effects of the Invention]

[0010] According to the present invention, it is possible to support users in the buying and selling procedures, thereby lowering the barriers to investment. [Brief explanation of the drawings]

[0011] [Figure 1] 1 is a schematic diagram showing a configuration of a point investment system according to an embodiment; [Figure 2] FIG. 2 is a hardware configuration diagram of an investment server as an example of the information processing device of FIG. 1. [Figure 3] FIG. 2 is a block diagram showing the functions and configuration of the investment server of FIG. 1. [Figure 4] 4 is a data structure diagram showing an example of a user information storage unit in FIG. 3. [Figure 5] FIG. 10 is a schematic diagram showing an example of the relationship between investment points and prizes in a point investment service. [Figure 6] 4 is a data structure diagram showing an example of a prize information storage unit in FIG. 3. [Figure 7] 2 is a flowchart showing the flow of a series of processes in the investment server of FIG. 1. [Figure 8] FIG. 10 is a diagram showing a representative screen of a login screen displayed on a display of a mobile terminal. [Figure 9] FIG. 2 is a diagram showing a representative screen of a home screen displayed on a display of a mobile terminal. [Figure 10] FIG. 10 is a diagram showing a typical conversion screen displayed on the display of the mobile terminal. [Figure 11] FIG. 10 is a representative screen diagram of an investment target selection screen displayed on the display of a mobile terminal. [Figure 12] FIG. 10 is a representative screen diagram of a new order acceptance screen displayed on the display of a mobile terminal. [Figure 13] FIG. 10 is a diagram showing a representative screen of a possession status display screen displayed on a display of a mobile terminal. [Figure 14] FIG. 10 is a diagram showing a typical screen of a market settlement acceptance screen displayed on the display of a mobile terminal. [Figure 15] FIG. 10 is a representative screen diagram of a prize exchange screen displayed on the display of a mobile terminal. [Figure 16] FIG. 10 is a diagram showing a representative screen of a prize application screen displayed on the display of a mobile terminal. [Figure 17] FIG. 10 is a diagram showing a table summarizing the presence or absence of slippage in the embodiment. [Figure 18] FIG. 10 is a schematic diagram showing an example of the relationship between investment points and prizes according to a modified example. [Figure 19] FIG. 10 is a schematic diagram illustrating a scheme using multiple investment points according to a modified example. [Figure 20] FIG. 10 is a diagram illustrating a typical screen of a goal setting screen displayed on a display of a mobile terminal. [Figure 21] FIG. 2 is a diagram showing a representative screen of a home screen displayed on a display of a mobile terminal. [Figure 22] FIG. 10 is a representative screen diagram of a home screen in which a profit taking condition setting dialogue is displayed. [Figure 23] FIG. 10 is a representative screen diagram of a home screen in which a stop loss condition setting dialogue is displayed. [Figure 24] FIG. 10 is a representative screen diagram of another home screen displayed on the display of the mobile terminal. [Figure 25] A diagram for explaining fluctuations in the rate of a certain currency or total investment points and the timing of settlement processing. [Figure 26] Diagram (1) showing examples of fluctuations in multiple positions [Figure 27] Figure (1) shows an example of the adjustment process for the total investment points that have been settled. [Figure 28] Figure (2) shows an example of fluctuations in multiple positions. [Figure 29] Figure (2) shows an example of the adjustment process for the total investment points that have been settled. [Figure 30] Figure (3) shows an example of fluctuations in multiple positions. [Figure 31] Figure (3) shows an example of the adjustment process for the total investment points that have been settled. [Figure 32] FIG. 10 is a diagram showing a typical screen of a transaction result screen displayed on the display of a mobile terminal. [Figure 33] 10 is a flowchart of the operation of the investment server to execute a settlement process based on the total investment points. [Figure 34] FIG. 10 is a representative screen diagram of a graphical new order acceptance screen displayed on the display of a mobile terminal. [Figure 35] FIG. 10 is a representative screen diagram showing the graphical new order acceptance screen in a state after the stop loss condition change object has been dragged upward by a predetermined distance. [Figure 36] FIG. 10 is a representative screen diagram showing the graphical new order acceptance screen in the state after the multiplier has been changed. DETAILED DESCRIPTION OF THE INVENTION

[0012] Hereinafter, the embodiments will be described in detail with reference to the accompanying drawings. Note that the following embodiments do not limit the scope of the invention as claimed, and not all combinations of features described in the embodiments are necessarily essential to the invention. Two or more of the features described in the embodiments may be combined in any desired manner. Furthermore, the same reference numerals are used to designate identical or similar components, and redundant descriptions will be omitted.

[0013] In the following explanation, we will first explain a technology that can lower the barrier to investment by supporting users in setting limit orders and stop orders, and then explain a technology that lowers the barrier to investment by supporting users in buying and selling procedures when they invest in multiple investment targets.

[0014] In a point investment system according to an embodiment, points acquired in various situations are converted into investment points for investment, and the investment points are then managed through investments such as FX (Foreign Exchange, foreign exchange margin trading). In particular, investment points can be exchanged for prizes whose value changes in a stepwise manner. For example, investment points ranging from 10,000 points (hereinafter referred to as pt) to 11,999 pt have the same value in that they can be exchanged for the same prize A, while investment points ranging from 12,000 pt to 13,999 pt also have the same value in that they can be exchanged for a different, better prize B. This allows users to set their profit target at the very bottom of the step corresponding to the prize they desire. Furthermore, users can set their stop-loss target at the very bottom of the step corresponding to the prize they want to secure. In the example of prizes A and B above, if a user wants to at least secure prize A but also wants to aim for prize B through investment, the user can easily understand that they can set the target for taking profits to 12,000 points and the target for cutting losses to 10,000 points. In this way, the point investment system according to this embodiment makes it easier for users to make investment decisions, lowering the barrier to investment.

[0015] FIG. 1 is a schematic diagram showing the configuration of a point investment system 2 according to an embodiment. The point investment system 2 comprises a mobile terminal 4, an information distribution server 8, and an investment server 10. The mobile terminal 4, the information distribution server 8, and the investment server 10 are each connected to a network 6 such as the Internet and are configured to be able to communicate with each other via the network 6. The configuration shown in FIG. 1 is an example, and there is no limit to the number of mobile terminals 4 and the servers 8, 10. Each server 8, 10 may include multiple servers. For example, the investment server 10 and the information distribution server 8 can be configured as a single server, or each of the block components of the investment server 10, which will be described later, can be configured as a server.

[0016] The investment server 10 is an example of an information processing device, and manages the earned points and investment points of users who use the point investment service provided by the point investment system 2. Earned points are points that users have earned through the point investment service or other loyalty programs, point services, mileage programs, etc. Earned points can be exchanged for prizes (e.g., products or services) at a predetermined rate as determined by the issuer. Investment points are points that can be invested in virtual investment targets (stocks, investment trusts, futures, FX, etc.) provided by the point investment service. Investment points can be exchanged for prizes whose value changes in stages as determined by the issuer, i.e., the provider of the point investment service.

[0017] In this specification, investment in a virtual investment target is referred to as a virtual investment or virtual investment. Virtual investment is a form of investment that uses data processing to make it appear to users as if they are trading financial products, without actually buying, selling, trading, or transferring rights to financial products. Virtual investment is relatively easy to implement because it does not involve buying or selling actual financial products.

[0018] Acquisition points are different from investment points. For example, the entity that issues acquisition points may be different from the entity that issues investment points. In the above example, the entity that issues investment points is the provider of the point investment service, while acquisition points may be issued by an entity other than the provider, such as a loyalty program provider. Furthermore, the manner in which acquisition points are exchanged for prizes may differ from the manner in which investment points are exchanged for prizes. For example, acquisition points may be usable in physical stores, while investment points may only be used to exchange for prizes. The range of prizes exchangeable for acquisition points may be broader than the range of prizes exchangeable for investment points, or vice versa. The exchange rate for acquisition points for prizes may be more favorable to users than the exchange rate for investment points for prizes, or vice versa. The exchange rate from acquisition points to investment points and the exchange rate from investment points to acquisition points may be equal or different. To encourage conversion to investment points, the exchange rate from acquisition points to investment points may be set more favorable than the exchange rate from investment points to acquisition points. Alternatively, if the expiration date of points is maintained, earned points may be convertible to investment points, but if the expiration date is extended, the conversion may be irreversible. Alternatively, if the prizes are narrowed down, the conversion from earned points to investment points may be irreversible. Alternatively, the conversion from earned points to investment points may simply be irreversible.

[0019] The information distribution server 8 distributes information necessary for the investment server 10 to process the virtual investment via the network 6 to the investment server 10. The information distributed by the information distribution server 8 includes the Nikkei Stock Average and the stock prices of specific companies if the virtual investment target is stocks, and includes exchange rates if the virtual investment target is FX. The information distribution server 8 may be a server installed at an exchange. The following explanation will be given for the case where the virtual investment target is FX, but it will be clear to those skilled in the art who have read this specification that a similar explanation applies to other investment targets.

[0020] The mobile terminal 4 is a mobile terminal of a user who uses the point investment service, and may be, for example, a smartphone, tablet terminal, laptop PC, or the like. The user downloads and installs a point investment application program (hereinafter referred to as a point investment app) onto the mobile terminal 4 from a download site via the network 6. Alternatively, the point investment app may be pre-installed on the mobile terminal 4. The point investment app is provided by a provider of the point investment service. By executing the point investment app on the mobile terminal 4, the mobile terminal 4 realizes various functions. The client side may be implemented not only by an app, but also by a web application. Furthermore, some of the server's means may be relocated to the client side, or conversely, some of the client's means may be relocated to the server side. In this embodiment, the investment server is described as an example of an information processing device. However, if one or more operations described as the configuration of the investment server in this embodiment are executed on the mobile terminal 4, the mobile terminal 4 may also be an example of an information processing device.

[0021] Figure 2 is a hardware configuration diagram of the investment server 10 of Figure 1. The investment server 10 comprises a memory 102, a processor 104, a communication interface 106, a display 108, and an input interface 110. These elements are each connected to a bus 112 and communicate with each other via the bus 112.

[0022] The memory 102 is a storage area for storing data and programs. The data and programs may be stored in the memory 102 permanently or temporarily. The processor 104 executes the programs stored in the memory 102 to realize various functions of the investment server 10. The communication interface 106 is an interface for sending and receiving data to and from the outside of the investment server 10. The communication interface 106 is connected to the network 6, and exchanges data with the mobile terminal 4 and the information distribution server 8 via the network 6. The display 108 is a device for displaying various information. The input interface 110 is a device for receiving input from the administrator of the point investment system 2.

[0023] Figure 3 is a block diagram showing the functions and configuration of the investment server 10 in Figure 1. Each block shown here can be realized in hardware terms by elements or mechanical devices such as a computer CPU, and in software terms by a computer program, etc., but here we show functional blocks realized by the cooperation of these. Therefore, those skilled in the art who have read this specification will understand that these functional blocks can be realized in various ways by combining hardware and software.

[0024] The investment server 10 includes a conversion request receiving unit 122, a point conversion unit 124, an investment instruction receiving unit 126, a virtual investment processing unit 128, a prize exchange processing unit 132, a user information storage unit 134, and a prize information storage unit 136.

[0025] FIG. 4 is a data structure diagram showing an example of the user information storage unit 134 of FIG. 3. The user information storage unit 134 stores, in association with each other, a user ID that identifies a user, a password as the user's qualification information, information about the user's earned points, and information about the user's investment points. The information about earned points includes the number of earned points held by the user. The information about investment points includes the number of uninvested investment points held by the user, the number of already invested investment points, and details of the investment. The investment details include the currency of the FX investment target, the actual contract rate, the position (whether buying or selling), the amount of currency held, the multiplier, the specified profit amount for profit lock-in, the specified loss amount for stop loss, the exchange rate of the limit order (hereinafter simply referred to as the limit order), and the exchange rate of the stop order (hereinafter simply referred to as the stop order).

[0026] In the example shown in Figure 4, user "A0001" currently has 25,000 points earned, 1,500 points available for FX investment (uninvested), and a "buy" position for 100 USD. The contract rate at the time of opening the buy position was 100.00 points / USD, and therefore the investment trust points invested at the time of opening the buy position were 10,000 points. Furthermore, the figure shows that the multiplier specified at the time of opening the buy position was 1x, with a target of locking in profits of 500 points and a cut loss of 300 points. The automatic limit and stop order setting function, described below, sets the limit to 105.00 points / USD for a 500 point profit, and the stop order to 97.00 points / USD for a 300 point loss. In this embodiment, an example is described in which 1 yen is converted into 1 point, but the conversion between currency and points is not limited to this.

[0027] FIG. 5 is a schematic diagram showing an example of the relationship between investment points and prizes in a point investment service. In a point investment service, investment points can be exchanged for prizes of a predetermined attribute or type. In the example of FIG. 5, investment points can be exchanged for prizes belonging to leisure and travel. In this example, investment points have no use other than being exchanged for prizes belonging to leisure and travel, so the investment points correspond to the prize type of leisure and travel. In other examples, investment points may correspond to other types of prizes, such as home appliances or groceries.

[0028] Prizes are associated with a range of investment points and can be exchanged for investment points within that range. In the example of Figure 5, the prize "Pair of Amusement Park Admission Tickets" is associated with the investment point range of "10,000pt - 11,999pt," the prize "Two Days and One Night Crab Feast" is associated with the investment point range of "12,000pt - 13,999pt," and the prize "One Week Trip to Paris" is associated with the investment point range of "14,000pt - 15,999pt."

[0029] Fig. 6 is a data structure diagram showing an example of the prize information storage unit 136 of Fig. 3. The prize information storage unit 136 stores a prize ID that identifies a prize, a name of the prize, and a range of investment points that can be exchanged for the prize, in association with each other.

[0030] Returning to Fig. 3, the conversion request receiving unit 122 receives a request to convert earned points into investment points from the user's mobile terminal 4 via the network 6. The mobile terminal 4 receives an instruction from the user to convert earned points into investment points on a conversion screen 502 described below, and transmits the conversion request to the investment server 10 via the network 6. The conversion request includes the number of earned points to be converted from.

[0031] In the point investment service realized by the point investment system 2, earned points can be freely converted into investment points, and vice versa, i.e., investment points can be freely converted into earned points. In other embodiments, conversion from investment points to earned points is not anticipated and may not be implemented.

[0032] When the conversion request receiving unit 122 receives a conversion request, the point conversion unit 124 converts earned points into investment points in accordance with the received request. The conversion rate from earned points to investment points in the point conversion unit 124 may be set as appropriate by the point investment service provider. For example, if the conversion rate is set to 2, if the number of earned points before conversion is "50 points," the number of investment points after conversion will be "100 points." The point conversion unit 124 updates the user information storage unit 134 with the conversion result. In addition, the point conversion unit 124 may notify a server (not shown) of the issuer of the earned points via network 6 of the user ID that identifies the user and the number of earned points before conversion. The issuer of the earned points may subtract the notified number of earned points from the user's earned point balance. The issuer of the earned points may provide compensation corresponding to the acquired points thus deducted to the provider of the point investment service. The provider may use this compensation as a resource to prepare a prize (also called a benefit) that can be exchanged for investment points.

[0033] The investment instruction receiving unit 126 receives an investment instruction to invest the investment points obtained as a result of the conversion from the user's mobile terminal 4 via the network 6. This investment instruction is an instruction related to a new order to open a new position. The investment instruction receiving unit 126 displays a new order receiving screen 504 (described below) including the exchange rate on the display of the user's mobile terminal 4 via the network 6. On the new order receiving screen 504, the mobile terminal 4 receives a new order instruction from the user to place a new FX order using the user's uninvested investment points, and transmits the new order instruction to the investment server 10 via the network 6.

[0034] The new order instructions include the following information: ● Currency to be traded (USD, EUR, GBP, etc.) ● Position to be opened (buy / sell) ● Number of investment points to trade ●Investment multiplier (×1, ×3, ×10, etc.) ●Profit confirmation conditions, i.e., the number of investment points that must be increased before profits are confirmed ●Stop loss condition, i.e., the number of investment points that must be reduced before losses are cut. In this embodiment, an example is described in which an investment multiplier is applied to the number of points traded, but this may also be applied to the amount of currency, as is done in, for example, FX. In this case, for example, one investment point may be converted into, for example, 1 yen of currency.

[0035] In response to a new order instruction received by the investment instruction receiving unit 126, the virtual investment processing unit 128 executes the new order at the actual exchange rate at that time, which may differ from the exchange rate displayed on the new order reception screen 504. If the number of investment points to be traded is A and the actual exchange rate is R, the virtual investment processing unit 128 sets A / R as the contracted transaction currency amount T (T = A / R). If the exchange rate displayed on the new order reception screen 504 is S, a time lag may result in R ≠ S. In this case, the user places a new order expecting T' = A / S, but the order is actually executed at T = A / R, resulting in a transaction result that differs from the user's expectations. This is called "slippage" in the exchange rate. In this embodiment, exchange rate slippage is permitted when a new order is placed, but the exchange rate is treated as non-slip at the time of settlement, as described below. Because the transaction in this embodiment is a virtual FX transaction, unlike an actual transaction, the system can arbitrarily set whether or not the exchange rate slips.

[0036] The virtual investment processing unit 128 sets a limit price for the new order based on the contracted transaction currency amount T, the profit-taking conditions, the actual exchange rate R at the time of contract, and the investment multiplier. If the increase in investment points included in the profit-taking conditions is ΔI, the limit price to be set is Q, and the investment multiplier is N, the virtual investment processing unit 128 calculates the following for the buy position: Q=R+ΔI / (T×N) Set the limit price Q by the above formula. ΔI=(QR)×T×N The virtual investment processing unit 128 calculates the short position as follows: Q=R-ΔI / (T×N) Set the limit price Q by the above formula. ΔI=(RQ)×T×N is derived from

[0037] The virtual investment processing unit 128 sets a stop loss for the new order based on the contracted transaction currency amount T, the stop loss condition, the actual exchange rate R at the time of contract, and the investment multiplier N. If the number of investment points to be reduced included in the stop loss condition is ΔJ, the stop loss to be set is P, and the investment multiplier is N, the virtual investment processing unit 128 calculates the following for the buy position: P=R-ΔJ / (T×N) Set the stop loss P by the above formula. ΔJ=(RP)×T×N The virtual investment processing unit 128 calculates the short position as follows: P=R+ΔJ / (T×N) Set the stop loss P by the above formula. ΔJ=(PR)×T×N is derived from

[0038] The above-mentioned function of automatically setting limit orders and stop orders will be explained using an example. Suppose the exchange rate displayed on the new order acceptance screen 504 is 100.00pt / USD, and the user places an order to open a buy position by specifying 100,000pt. The user expects a buy position of 1,000USD to be opened, but the exchange rate slips to 101.01pt / USD, and in reality a buy position of 100,000 / 101.01 ≒ 990USD is opened. Here, if the user specifies 5,000pt as the increase in investment points for realizing profits and x1 as the investment multiplier, the limit order will be 101.01(pt / USD)+5000(pt) / (990(USD)×1) ≒106.06 (pt / USD) If the user specifies 3000pt as the decrease in investment points for stop loss and x1 as the investment multiplier, the stop loss will be calculated as follows: 101.01(pt / USD)-3000(pt) / (990(USD)×1) ≒97.98 (pt / USD) is calculated and set automatically.

[0039] If the exchange rate does not slip, a 1,000 USD buy position will be established as expected by the user, with a limit order of 105.00 points / USD against a 5,000 point take-profit line and a stop order of 97.00 points / USD against a 3,000 point stop-loss line. Therefore, the automatically set limit and stop orders above will differ from the limit and stop orders the user would expect based on the displayed rate. However, if a profit is taken using the automatically set limit order above, the result will be 106.06 (pt / USD) x 990 (USD) ≒ 105,000 (pt), achieving the increase in investment points (= 5,000 pt) specified by the user. Similarly, if a stop-loss is executed using the automatically set stop order above, the result will be 97.98 (pt / USD) x 990 (USD) ≒ 97,000 (pt), achieving the decrease in investment points (= 3,000 pt) specified by the user.

[0040] In this embodiment, for new orders, the number of investment points to be traded is fixed, and exchange rate slippage is absorbed by fluctuations in the contracted transaction currency amount. Alternatively, an alternative is possible in which the transaction currency amount is fixed and exchange rate slippage is absorbed by fluctuations in the number of investment points. In this case, using the same assumptions as the above example, a 1000 USD buy position is opened using 101010 points. With a 5000 point take-profit line, the limit order is 101.01 + 5000 / 1000 = 106.01 points / USD, and with a 3000 point stop-loss line, the stop order is 101.01 - 3000 / 1000 = 98.01 points / USD. If a profit is taken at this limit order, 106.01 (pt / USD) × 1000 (USD) ≒ 106010 (pt), resulting in a deviation from the increase amount specified by the user (106010 - 105000 = 1010). Similarly, if a stop loss is applied using the stop order above, the loss will be 98.01 (pt / USD) x 1000 (USD) = 98010 (pt), which will deviate from the decrease amount specified by the user (98010 - 97000 = 1010).

[0041] In this way, if the slippage in the exchange rate is absorbed by fluctuations in the number of investment points, the increase or decrease in investment points when a profit is taken or a loss is cut will differ from what the user expected. In this embodiment, the value of the prize changes in a stepped manner, so such an unexpected result is undesirable for the user. This is because users often set the profit-taking line and the loss-cut line as close to the limit as possible. In contrast, if the number of investment points to be traded is fixed, the exchange rate slippage is reflected in the amount of trading currency obtained as a result of the contract, and limit orders and stop orders are then automatically set, the increase or decrease in investment points will occur as expected when a profit is taken or a loss is cut. Therefore, the point investment system 2, in which the value of prizes changes in a stepped manner, realizes automatic setting of limit orders and stop orders that is more suitable for this.

[0042] The virtual investment processing unit 128 monitors the exchange rate, and when the profit-taking execution condition of a position for which a profit-taking condition is set is met, the position is settled (closed) at the set limit price. For example, in the case of a buy position, the profit-taking execution condition is met when the exchange rate exceeds the limit price, and in this case, the position is settled at the limit price itself, rather than the actual exchange rate that exceeded the limit price. For example, in the case of a sell position, the profit-taking execution condition is met when the exchange rate falls below the limit price, and in this case, the position is settled at the limit price itself, rather than the actual exchange rate that fell below the limit price.

[0043] The virtual investment processing unit 128 monitors exchange rates, and when the stop-loss execution condition of a position for which a stop-loss condition is set is met, the position is settled at the set stop-loss price. For example, in the case of a buy position, the stop-loss execution condition is met when the exchange rate falls below the stop-loss price, and in this case, the position is settled at the stop-loss price itself, rather than the actual exchange rate that fell below the stop-loss price. For example, in the case of a sell position, the stop-loss execution condition is met when the exchange rate exceeds the stop-loss price, and in this case, the position is settled at the stop-loss price itself, rather than the actual exchange rate that rose above the stop-loss price.

[0044] The virtual investment processing unit 128 displays a market settlement acceptance screen (described below) including the exchange rate on the display of the user's mobile terminal 4 via the network 6. The mobile terminal 4 accepts a market settlement instruction for performing a market settlement from the user on the market settlement acceptance screen, and transmits the market settlement instruction to the investment server 10 via the network 6. When the virtual investment processing unit 128 accepts the market settlement instruction, it settles the target position at the exchange rate displayed on the market settlement acceptance screen.

[0045] The prize exchange processing unit 132 receives an exchange instruction from the user's mobile terminal 4 via the network 6 to exchange investment points that have increased or decreased as a result of FX investment for prizes. Based on the received exchange instruction, the prize exchange processing unit 132 references the prize information storage unit 136 and executes prize exchange processing. The prize exchange processing unit 132 displays a prize exchange screen (described below) containing a list of prizes that can be exchanged with the user's current investment points on the display of the user's mobile terminal 4 via the network 6. The mobile terminal 4 receives an exchange instruction from the user via the prize exchange screen, including a designation of the prize to be exchanged, and transmits the received exchange instruction to the investment server 10 via the network 6. The prize exchange processing unit 132 references the prize information storage unit 136 and reads out the lower limit of investment points corresponding to the specified prize. The prize exchange processing unit 132 accesses the user information storage unit 134 and subtracts the read lower limit of investment points from the user's uninvested investment points. The prize exchange processing unit 132 also performs processing to make the designated prize the user's property.

[0046] The operation of the investment server 10 configured as above will now be described.

[0047] Figure 7 is a flowchart showing the flow of a series of processes in the investment server 10 of Figure 1. The investment server 10 receives a request to convert earned points into investment points (S702). Based on the received request, the investment server 10 executes the process of converting earned points into investment points (S704). The investment server 10 registers the result of the conversion in the user information storage unit 134. Note that, when directly investing owned points without converting them into investment points, the processes of S702 and S704 are not required, and the investment server 10 may start processing from S706.

[0048] The investment server 10 receives an investment instruction to invest investment points (S706). The investment server 10 determines the type of investment instruction (S708). If the investment instruction is a market settlement instruction ("Market Settlement" in S708), the investment server 10 performs market settlement at the screen display rate, which is the exchange rate displayed on the market settlement acceptance screen (S716).

[0049] If the investment instruction is a new order instruction ("New Order" in S708), the investment server 10 executes the new order at the actual rate at that time (S710). The investment server 10 sets a limit price based on the amount of the executed currency, the increase in investment points related to the profit-taking condition, the actual rate at the time of execution, and the multiplier (S712). The investment server 10 sets a stop-loss price based on the amount of the executed currency, the decrease in investment points related to the stop-loss condition, the actual rate at the time of execution, and the multiplier (S714). The investment server 10 registers the amount of the executed currency, the set limit price, and the set stop-loss price in the user information storage unit 134.

[0050] The investment server 10 monitors the exchange rate and determines whether the exchange rate has reached the set limit price or the set stop price (S718). If the limit price has been reached ("Limit Price Reached" in S718), the investment server 10 settles the target position at the limit price (S720). If the stop price has been reached ("Stop Price Reached" in S718), the investment server 10 settles the target position at the stop price (S722).

[0051] The investment server 10 receives an exchange instruction to exchange the investment points for a prize (S724), and executes a prize exchange process (S726).

[0052] FIG. 8 is a representative screen diagram of a login screen 506 displayed on the display 40 of the mobile terminal 4. The user enters a user ID and password on the login screen 506 and taps the OK button. In response to detecting the tap, the mobile terminal 4 acquires the entered user ID and password and transmits them to the investment server 10 via the network 6. The investment server 10 compares the received user ID and password with the user ID and password registered in the user information storage unit 134, and performs user authentication. The investment server 10 transmits information indicating the success or failure of user authentication to the mobile terminal 4 via the network 6. If the user authentication is successful, the mobile terminal 4 displays a home screen 500 on the display 40, and if it is unsuccessful, displays a predetermined error screen (not shown) on the display 40.

[0053] 9 is a representative screen diagram of a home screen 500 displayed on the display 40 of the mobile terminal 4. The home screen 500 displays the user ID 508 of a user who has successfully authenticated (or logged in), the current date and time 510, and an overview of the points held by the user. In particular, the home screen 500 displays the number of acquired points 512 held by the user and the number of investment points 516 held by the user. The home screen 500 also has a prize exchange button 524, a convert to investment points button 526, a new order button 528, and a holdings status check / payment button 530, each of which functions as a flow line to the corresponding function.

[0054] When the mobile terminal 4 detects a tap on the convert to investment points button 526, it displays a conversion screen 502 on the display 40. FIG. 10 is a representative screen diagram of the conversion screen 502 displayed on the display 40 of the mobile terminal 4. The conversion screen 502 has an earned points number 534, an input / display area 536 for the source earned points, an input / display area 538 for the destination investment points, and a note display area 542. When the user inputs the desired number of earned points in the input / display area 536 for the source earned points, the number of investment points corresponding to the input number of earned points is calculated and displayed in the input / display area 538 for the destination investment points. The reverse is also true: when the user inputs the desired number of investment points in the input / display area 538 for the destination investment points, the number of earned points corresponding to the input number of investment points is calculated and displayed in the input / display area 536 for the source earned points. The disclaimer display area 542 includes text indicating that once earned points are converted into investment points, they cannot be converted back into earned points.

[0055] When the mobile terminal 4 detects a tap on the OK button on the conversion screen 502, it generates a conversion request including the number of earned points entered / displayed in the source earned points input / display area 536, and transmits the request to the investment server 10 via the network 6. The investment server 10 processes the conversion request as described above.

[0056] When the mobile terminal 4 detects a tap on the new order button 528 on the home screen 500, it displays an investment target selection screen 544 on the display 40. FIG. 11 is a representative screen diagram of the investment target selection screen 544 displayed on the display 40 of the mobile terminal 4. The investment target selection screen 544 includes the number of uninvested investment points 546 held by the user and multiple investment target objects 548, 549, and 550. Each investment target object displays the image and name of a currency, the exchange rate, the time, and the highest and lowest prices for that day. For example, the first investment target object 548 corresponds to the US dollar (USD), the second investment target object 549 corresponds to the euro (EUR), and the third investment target object 550 corresponds to the British pound (GBP).

[0057] When the mobile terminal 4 detects a tap on any of the investment objects included in the investment object selection screen 544, it displays a new order acceptance screen 504 on the display 40. FIG. 12 is a representative screen diagram of the new order acceptance screen 504 displayed on the display 40 of the mobile terminal 4. The order acceptance screen 504 includes an image and name 552 of the currency corresponding to the investment object for which the tap was detected on the investment object selection screen 544, i.e., the investment object selected by the user; a status display area 554 displaying the currency's exchange rate, time, and the highest and lowest prices for that day; the number of uninvested investment points 556 held by the user; a new order input / display area 558 for inputting / displaying details of the new order; a goal input / display area 560 for inputting / displaying conditions for taking profits and cutting losses; a planned total point display area 562; and an order button 564. Input of the goal conditions may be optional, in which case the goal input / display area 560 may be hidden by default.

[0058] The new order input / display area 558 has an order type designation area 566 that accepts the designation of the order type, a point number input area 568 that accepts input of the number of investment points to be traded, and an investment multiplier input area 570 that accepts input of the investment multiplier. In the order type designation area 566, the user selects the position they want to open from "Sell" or "Buy," and inputs the number of investment points to be invested in the point number input area 568. This input may be made by directly entering the numbers, or by using the "+" and "-" buttons on the left and right of the point number input area 568. Similarly, the user inputs the investment multiplier in the investment multiplier input area 570.

[0059] The goal input / display area 560 has an increase input area 572 that accepts input of an increase in the investment points related to the profit-taking condition, a decrease input area 574 that accepts input of a decrease in the investment points related to the stop-loss condition, a tentative limit price 576, and a tentative stop-loss price 578. The user inputs the increase in the investment points that the user is willing to take profits by in the increase input area 572, and the decrease in the investment points that the user is willing to cut losses by in the decrease input area 574. When a number is input into the increase input area 572, a corresponding limit price is calculated based on the exchange rate displayed in the status display area 554 and displayed in the tentative limit price 576. When a number is input into the decrease input area 574, a corresponding stop-loss price is calculated based on the exchange rate displayed in the status display area 554 and displayed in the tentative stop-loss price 578. The planned total points display area 562 displays the number of investment points that will be invested if the profit-taking condition is met.

[0060] When the mobile terminal 4 detects a tap on the order button 564, it generates a new order instruction including the selected currency, the position specified in the order type specification area 566, the number of investment points input in the point number input area 568, the investment multiplier input in the investment multiplier input area 570, the increase number input in the increase number input area 572, and the decrease number input in the decrease number input area 574, and transmits the new order instruction to the investment server 10 via the network 6. The investment server 10 executes the above-mentioned new order processing based on the received new order instruction.

[0061] When the mobile terminal 4 detects a tap on the holding status check / settlement button 530 on the home screen 500, it displays a holding status display screen 580 on the display 40. FIG. 13 is a representative screen diagram of the holding status display screen 580 displayed on the display 40 of the mobile terminal 4. The holding status display screen 580 has an investing object 588 corresponding to the position being invested in. The investing object 588 displays the name of the currency being invested in, the amount of currency held, the type of position, the current exchange rate, and a market settlement button 590.

[0062] When the mobile terminal 4 detects a tap on the market settlement button 590 of any of the investing objects 588 included in the holding status display screen 580, it displays a market settlement acceptance screen 592 on the display 40. FIG. 14 is a representative screen diagram of the market settlement acceptance screen 592 displayed on the display 40 of the mobile terminal 4. The market settlement acceptance screen 592 displays a currency name 594 of the position corresponding to the investing object for which the tap was detected on the holding status display screen 580, i.e., the investing object selected by the user, a current exchange rate 596 for that currency, a position details display area 597 displaying details of the position, an unrealized profit / loss 595 for the position, and a market settlement button 593. When the mobile terminal 4 detects a tap on the market settlement button 593, it generates a market settlement instruction including information identifying the position displayed on the market settlement acceptance screen 592 and transmits the instruction to the investment server 10 via the network 6. When the investment server 10 receives a market settlement instruction, it settles the target position at the current exchange rate 596 displayed on the market settlement acceptance screen 592 .

[0063] When the mobile terminal 4 detects a tap on the prize exchange button 524 on the home screen 500, it displays a prize exchange screen 602 on the display 40. FIG. 15 is a representative screen diagram of the prize exchange screen 602 displayed on the display 40 of the mobile terminal 4. The prize exchange screen 602 displays the number of investment points 604 of the user that can be used to exchange for prizes (e.g., uninvested points) and prize objects 606, 608, 610 that correspond to prizes provided by the point investment service. Each prize object displays the name of the prize and the range of investment points that can be exchanged for the prize. In the example of FIG. 15, the user has 11,500 exchangeable investment points, which falls within the range of 10,000 to 11,999 points for the first prize object 606 among the three prize objects 606, 608, and 610 displayed, but does not fall within the ranges of the second prize object 608 (12,000 to 13,999 points) or the third prize object 610 (14,000 to 15,999 points). Therefore, the first prize object 606 is displayed as selectable, while the second prize object 608 and the third prize object 610 are displayed as unselectable, such as by being grayed out or dimmed. In fact, in the state of FIG. 15, taps on the second prize object 608 and the third prize object 610 are not accepted. If the user's investment points were 12,500 points, the second prize object 608 would be displayed as selectable on the prize exchange screen 602, while the first prize object 606 and the third prize object 610 would be displayed as unselectable.

[0064] When the mobile terminal 4 detects a tap on any of the selectable prize objects included in the prize exchange screen 602, it displays a prize application screen 612 on the display 40. FIG. 16 is a representative screen diagram of the prize application screen 612 displayed on the display 40 of the mobile terminal 4. The prize application screen 612 displays the prize object for which the tap was detected on the prize exchange screen 602, i.e., the name 614 of the prize object selected by the user, a details display area 616 showing the change in investment points if the prize is exchanged, and a Yes / No button 618. When the mobile terminal 4 detects a tap on the Yes button of the Yes / No button 618, it generates an exchange instruction specifying the prize displayed on the prize application screen 612 as the prize to be exchanged, and transmits the exchange instruction to the investment server 10 via the network 6.

[0065] In the above-described embodiments, examples of the storage unit are a hard disk and a semiconductor memory. Furthermore, based on the description in this specification, it will be understood by those skilled in the art that each unit can be realized by a CPU (not shown), an installed application program module, a system program module, a semiconductor memory that temporarily stores the contents of data read from a hard disk, or the like.

[0066] FIG. 17 is a diagram showing a table summarizing the presence or absence of slippage in this embodiment.

[0067] In the point investment system 2 according to this embodiment, a mechanism is used to guarantee that there is no slippage in the exchange rate for all of the profit-taking, stop-loss, and market settlements, in order to ensure that the user can exchange points for the prizes they expect at the time of settlement. Without this mechanism, a situation could arise where, due to slippage in the exchange rate, the user is, for example, one point short of the expected value and is unable to exchange for the target prize. In this embodiment, the absence of slippage in all settlement types not only prevents the user from suffering any disadvantage, but also realizes an easy-to-understand UX, since the settlement rate is the value the user expects.

[0068] On the other hand, in this embodiment, slippage in the exchange rate is permitted when a new order is placed. This is because not allowing slippage in the exchange rate when a new order is placed could lead to fraudulent orders such as arbitrage. However, as described above, in this embodiment, when the exchange rate slips at the time of settlement, the limit order and stop order rates are automatically corrected so that the profit-taking and stop-loss points set by the user when placing an order do not change. This makes it possible to mitigate the impact on the user of slippage in the exchange rate when a new order is placed.

[0069] Arbitrage is a type of fraudulent trading in which one looks at the rates of both broker A, which updates its rates quickly, and broker B, which updates its rates slowly, and places a buy order with broker B when broker A's rate rises and broker B's rate remains unchanged, or places a sell order with broker B when broker A's rate falls and broker B's rate remains unchanged.

[0070] Furthermore, in the point investment system 2 according to this embodiment, prizes are associated with a range of investment points, so users can set the number of points at which they want to lock in their profits or cut their losses, keeping in mind a clear investment point target—for example, the lower limit of the range of prizes they want. For example, if a user currently has 4,500 points and can exchange 5,000 points for a prize they want, 500 points will be clearly visualized as the lock-in point. The point investment system 2 according to this embodiment allows users to specify the lock-in and stop-loss conditions in terms of points, eliminating the need to back-calculate the exchange rate from the target increase or decrease in investment points, as compared to specifying the conditions in terms of exchange rates. Furthermore, even if the exchange rate slips when placing a new order, limit orders and stop-loss orders are automatically set to achieve the specified lock-in and stop-loss conditions, further reducing the user's calculation burden.

[0071] The above describes the configuration and operation of the point investment system 2 according to the embodiment. This embodiment is an example, and it will be understood by those skilled in the art that various modifications are possible in the combination of each component and each process, and that such modifications are also within the scope of the present invention.

[0072] In the embodiment, a case where points are acquired and invested has been described, but the technical idea of ​​the embodiment can be applied not only to points but also to other electronic values, such as coupons, miles, coins, chips, etc. Electronic values ​​may be defined as those in which monetary value or other financial value is electronically written or recorded, and which do not fall under the category of prepaid payment instruments as defined by the Fund Settlement Act.

[0073] In the embodiment, the value of the prize is set in a stepped manner. However, this is not limiting, and other configurations are possible as long as the prize and the range of investment points correspond to each other. For example, the range of investment points for prize A and the range of investment points for prize B may at least partially overlap. FIG. 18 is a schematic diagram showing an example of the relationship between investment points and prizes in a modified example. In the example of FIG. 18, investment points are exchangeable for prizes belonging to home appliances. In this example, investment points have no use other than exchanging them for prizes belonging to home appliances, so the investment points correspond to the type of prize, home appliances. Prizes are associated with a range of investment points and are exchangeable for investment points within that range. In the example of FIG. 18, the prize "electric shaver" is associated with the investment point range of "10,000 points to 11,999 points," and the prize "LCD TV" is associated with the investment point range of "11,000 points to 13,500 points." In other words, the investment point range for the prize "electric shaver" overlaps with the investment point range for the prize "LCD TV" in the range of "11,000pt - 11,999pt." The prize "cell phone" is associated with the investment point range of "10,800pt - 14,100pt." In other words, the investment point range for the prize "cell phone" encompasses the investment point range for the prize "LCD TV."

[0074] In the embodiment, the remaining investment points (fractions) after exchanging them for prizes are returned to the user. However, this is not limiting. For example, in the prize exchange process, fractions of investment points after exchanging them for prizes may not be returned to the user. In this case, even if 11,500 points are exchanged for a prize in the range of "10,000 points to 11,999 points," 11,500 points - 10,000 points = 1,500 points will not be returned. In this system, 10,000 points, 11,000 points, 11,500 points, and 11,999 points all have the same value in the sense that they are exchanged for the same prize and disappear. Alternatively, in the prize exchange process, if a fraction (e.g., 0.5 points or 0.1 points) smaller than the minimum unit of investment points (e.g., 1 point) is generated, the fraction may be rounded down.

[0075] In the embodiment, the investment points are described as being exchangeable for a certain type of prize. However, this is not limited to this; multiple investment points may be provided for different purposes or different types of prizes. FIG. 19 is a schematic diagram illustrating a scheme using multiple investment points according to a modified example. In this modified example, earned points can be irreversibly converted into three types of investment points: leisure investment points, home appliance investment points, and food investment points. The point investment system according to the modified example is configured to manage leisure investment points, home appliance investment points, and food investment points independently. Leisure investment points can be exchanged for leisure-related prizes, home appliance investment points can be exchanged for home appliance-related prizes, and food investment points can be exchanged for food-related prizes, but each investment point cannot be exchanged for prizes of a different category. The management and exchange of leisure investment points, home appliance investment points, and food investment points for prizes are realized using a mechanism similar to that of the embodiment.

[0076] In the modified example of Figure 19, earned points are converted into various investment points, each of which is increased through investment, and the increased investment points are exchanged for the corresponding type of prize. The relationship between earned points, investment points, and prizes is not limited to this. For example, earned points may be converted into investment points, the investment points may be increased through investment, and after increasing, the investment points may be converted back into earned points and exchanged for prizes. Alternatively, earned points may be converted into investment points, the investment points may be increased through investment, and the increased investment points and earned points may be combined and exchanged for prizes.

[0077] In the embodiment, the case where goal conditions (profit-taking conditions, stop-loss conditions) are set for each new order, i.e., for each position, via the new order acceptance screen 504 of FIG. 12 has been described. However, this is not limited to this. For example, a user may invest in multiple currency pairs with the goal of acquiring a desired prize. In this case, a goal may be set for the total number of investment points, including the evaluation results of the different positions (currency pairs) owned by the user. FIG. 20 is a representative screen diagram of a goal setting screen 802 displayed on the display 40 of the mobile terminal 4. The goal setting screen 802 has a target point input area 804, prize objects 806, 808, and 810 representing selectable prizes, and a setting button 812. The user may specify the target number of investment points by entering a numerical value in the target point input area 804, or may tap one of the prize objects 806, 808, or 810 to specify the lower limit of the point range corresponding to the tapped prize as the target number of investment points. When the setting button 812 is tapped, the mobile terminal 4 acquires the number of investment points designated by any of the above methods as the target number of points. The mobile terminal 4 displays a home screen 814 including the acquired target number of points on the display 40.

[0078] In the example of FIG. 20, when a prize object is specified, the corresponding number of investment points is automatically entered in the target point input area 804. Therefore, the target is specified by the number of investment points. In contrast, in another example, the prize itself may be set as the target. If the range of investment points exchangeable for a prize fluctuates, setting the prize itself as the target is advantageous because the profit-taking conditions and stop-loss conditions can be automatically changed in accordance with the fluctuations.

[0079] 21 is a representative screen diagram of a home screen 814 displayed on the display 40 of the mobile terminal 4. The home screen 814 has a goal display area 816 that displays the number of target points set on the goal setting screen 802 of FIG. 20, an achievement level display bar area 818 that graphically displays the degree of achievement of the goal, a required point number display area 820 that displays the number of investment points required to achieve the goal, a profit taking condition setting object 822, a stop loss condition setting object 824, and a details display area 826 that displays a breakdown of multiple different positions held by the user in relation to the goal. The breakdown display area 826 includes a total evaluation point display area 830 that displays the sum of the evaluation values ​​(evaluation points) of the different positions the user holds in relation to the goal, an investment margin display area 832 that displays the number of uninvested investment points the user holds in relation to the goal, a total investment point display area 828 that displays the total investment points, which is the sum of the number displayed in the total evaluation point display area 830 and the number displayed in the investment margin display area 832, position objects 838, 840, and 842 that represent each of the different positions the user holds in relation to the goal, and a pie chart 836 that shows the composition ratio of each position. Each position object 838, 840, and 842 displays an image representing the position, the current evaluation value (evaluation points), the current rate, and the increase or decrease value.

[0080] When the user taps the profit-taking condition setting object 822, the mobile device 4 accepts it as a user instruction to set a target for profit-taking. In response to the accepted instruction, the mobile device 4 displays a profit-taking condition setting dialog box 844 on the front of the home screen 814. FIG. 22 is a representative screen diagram of the home screen 814 with the profit-taking condition setting dialog box 844 displayed. The profit-taking condition setting dialog box 844 allows the user to specify a profit-taking condition, which is a condition that the total investment points must satisfy in order to realize a profit. The profit-taking condition setting dialog box 844 has a profit-taking point input area 846 and a set button 848. The user enters the number of profit-taking points that will be used to realize a profit if the total investment points reach or exceed that value in the profit-taking point input area 846 and taps the set button 848. The mobile device 4 reflects the number of profit-taking points set in the profit-taking condition setting dialog box 844 as a new target point number in the goal display area 816 and the achievement level display bar area 818 of the home screen 814. The investment server 10 acquires and stores the number of profit-taking points set in the profit-taking condition setting dialog 844 via the network 6, and when the user's total investment points reach or exceed the acquired number of profit-taking points, it closes all of the different positions held by the user in relation to the goal.

[0081] When a user taps the stop-loss condition setting object 824 on the home screen 814 of FIG. 21 , the mobile device 4 accepts it as a user instruction to set a target for stop-loss, and in response to the accepted instruction, displays a stop-loss condition setting dialog 850 on the front of the home screen 814. FIG. 23 is a representative screen diagram of the home screen 814 in a state in which the stop-loss condition setting dialog 850 is displayed. The stop-loss condition setting dialog 850 allows the user to specify a stop-loss condition, which is a condition that the total investment points must satisfy in order to stop a loss. The stop-loss condition setting dialog 850 has a stop-loss point input area 852 and a set button 854. The user enters the number of stop-loss points at which a stop-loss will occur if the total investment points reach or fall below that value in the stop-loss point input area 852 and taps the set button 854. The investment server 10 acquires and stores the number of stop loss points set in the stop loss condition setting dialog 850 via the network 6, and when the user's total investment points reach or fall below the acquired number of stop loss points, it settles all of the different positions held by the user related to the target.

[0082] In the variations shown in Figures 20 to 23, each of the different positions held by the user in relation to a goal may have its own individual take-profit condition and / or stop-loss condition. In this case, the positions may be settled when either the take-profit condition or stop-loss condition for the total investment points or the take-profit condition or stop-loss condition for the individual positions is satisfied. Alternatively, the positions may be designed so that when the take-profit condition or stop-loss condition for the total investment points is set, the take-profit condition or stop-loss condition for the individual positions is ignored.

[0083] FIG. 24 shows another representative screen (home screen 902) that may replace the home screen 814 displayed on the display 40 of the mobile terminal 4. The home screen 902 includes an entire account display area 904 that displays the take-profit conditions and stop-loss conditions for the total investment points, and individual position display areas 912 and 920 that display the take-profit conditions and stop-loss conditions for individual positions. The entire account display area 904 includes a total investment point display area 906, a take-profit condition display area 908, and a stop-loss condition display area 910. The total investment point display area 906 displays the total valuation value (valuation points) of multiple different positions in the investment account held by the user in relation to a goal. The take-profit condition display area 908 displays the number of points at which a profit is to be taken based on the total investment points of the multiple positions. The stop-loss condition display area 910 displays the number of points at which a loss is to be cut based on the total investment points of the multiple positions. For example, when the user taps the profit taking condition display area 908, the mobile terminal 4 may display, for example, the profit taking condition setting dialog 844 shown in the above-mentioned FIG. 22 superimposed on the home screen 902. Furthermore, when the user taps the stop loss condition display area 910, the mobile terminal 4 may display, for example, the stop loss condition setting dialog 850 shown in the above-mentioned FIG. 23 superimposed on the home screen 902.

[0084] The individual position display area 912 includes an individual investment point display area 914, a profit taking condition display area 916, and a stop loss condition display area 918. The individual investment point display area 914 displays the value of a specific position (US dollars in the example of FIG. 24) among multiple different positions held by the user in relation to a goal. The profit taking condition display area 916 displays the profit taking condition of the specific position. The stop loss condition display area 918 displays the stop loss condition of the specific position. The individual position display area 912 may also display the current rate of the individual position and information indicating the profit or loss. The individual position display area 920 includes an individual investment point display area 922, a profit taking condition display area 924, and a stop loss condition display area 926, and displays information similar to that of the individual position display area 912 for another position (Euro in the example of FIG. 24) among multiple positions that is different from the position displayed in the individual position display area 912.

[0085] 24, the investment server 10 will settle multiple positions collectively if the total value of investment points for the multiple positions meets the conditions for taking profits or cutting losses. In this way, when holding multiple positions, the user can settle multiple positions collectively using the total value of investment points, making it easier to take profits or cut losses (compared to settling multiple positions individually).

[0086] Furthermore, the investment server 10 may additionally adjust the points of each position when executing the profit-taking or loss-cutting process. Such additional processing is effective when processing by matching the total value of investment points for multiple positions (total investment points) with the profit-taking or loss-cutting conditions. It is also effective when the investment server 10 does not perform settlement processing in real time but periodically. Below, we will explain the adjustment of investment points for each position when the total value of investment points for multiple positions is set as the profit-taking or loss-cutting condition.

[0087] For example, depending on the fluctuations in the rate of each position and the timing of the settlement process on the investment server 10, it may not be possible to execute the settlement process at the timing when the total investment point amount coincides with the amount of the take-profit or stop-loss conditions. Figure 25(a) shows fluctuations in the rate of a certain currency and the timing of the settlement process. Rate 950 indicates the fluctuations in the rate of a certain currency. In the example of Figure 25(a), the rate once exceeds the settlement rate 952 determined by the take-profit condition and then falls. The investment server 10 executes the settlement process for the position at times 954, 956, and 958 indicated by the dashed lines, but does not execute the settlement process for each tick when the rate fluctuates, for example, from the perspective of processing resources. As in the example shown in Figure 12, when take-profit or stop-loss is set for each individual position, if the investment server 10 determines that the rate exceeds the target value 952 between the settlement process times 956 and 958 (e.g., from the high and low prices during that period), it can execute the settlement process for the position at time 958. At this time, if the processing target is a virtual investment, the investment server 10 can execute the settlement processing at the settlement rate 952 instead of the rate at the timing 958 .

[0088] When the total investment points are set as the condition for taking profits or cutting losses, the investment server 10 evaluates and adds up the rates at the same time for all positions and compares them with the conditions for taking profits or cutting losses. At this time, at the time of settlement processing, the total investment points at the time of settlement may not be equal to the target value that is the condition for taking profits or cutting losses, but may exceed the target value. In this case, in this embodiment, the investment server 10 corrects the investment points for each position so that the settled total investment points match the set value for taking profits or cutting losses.

[0089] FIG. 25(b) shows fluctuations in the total investment points and the timing of settlement processing. The total value 960 indicates fluctuations in the total investment points, and the target value 962 indicates the profit-taking setting value for multiple positions. The dashed line indicates the timing of settlement processing by the investment server 10. In this example, the total investment points exceed the profit-taking target value 962 between settlement processing times 964 and 966, and the investment server 10 settles each of the multiple positions at settlement processing time 966. That is, the investment server 10 settles each of the multiple positions by the number of points that exceeds the profit-taking setting value at settlement processing time 966. Note that the example shown in FIG. 25(b) shows an example in which the settlement processing interval (e.g., timing 966-968) is shorter than the settlement processing interval (e.g., timing 956-958) shown in FIG. 25(a), thereby enabling settlement while the deviation between the total investment points and the target value is small. However, the intervals between settlement processes using the total investment points may be the same as the intervals between settlement processes for individual positions shown in FIG. 25(a).

[0090] Next, with reference to FIGS. 26 to 31, a specific example of the process by which the investment server 10 corrects the investment points for each position will be described. State 970 in FIG. 26 shows a state in which multiple positions (e.g., buying US dollars, euros, and British pounds) are held for 500,000 points each, and the total investment points in the investment account are 1.5 million points. The example shown in FIG. 26 shows a case in which the rates of the multiple positions rise and exceed the target value for taking profits. As time passes from state 970, the rates fluctuate, resulting in state 972. In state 972, the investment points of the multiple positions are 669,705 points, 695,173 points, and 635,020 points, respectively, and the total investment points are approaching the target value for taking profits, which is 2 million points. Further fluctuations in the rates result in state 974, in which the investment points of the multiple positions are 670,198 points, 695,589 points, and 633,760 points, respectively, and the total investment points exceed the target value for taking profits, which is 2 million points. Therefore, the device server 10 executes the payment process in state 974 .

[0091] FIG. 27 shows an example of the correction process for the total investment points that have been settled in state 974. The investment server 10 settles each of the multiple positions because the total investment points have exceeded 2 million points, which is the target upper limit for taking profits. At this time, the investment server 10 determines the difference between the total value of the evaluation values ​​of the settled investment points and the target upper limit for taking profits. In the example of FIG. 26, the investment server 10 settles when the total investment points are 2,001,163 points, so determines the difference in the settled investment points as 1,163 points. Next, the investment server 10 corrects the investment points of each position. For example, the investment server 10 may calculate the correction value for the investment points of each position based on the ratio of the investment points of each position to the total investment points. Specifically, the investment server 10 calculates the correction points for the US dollar position based on the ratio (33.490%) of the US dollar position to the total investment points. For example, the investment server 10 calculates the correction points for the USD position as follows: (1163pt) x 0.3349 = 390pt. Similarly, the investment server 10 calculates the correction points for the British pound position as 370pt.

[0092] At this time, the investment server 10 may specify in advance the position with the highest ratio of investment points to the total investment points. In this way, the adjustment value for the euro, which is the position with the highest ratio of investment points to the total investment points (34.759%), is calculated by subtracting the sum of the adjustment values ​​for the other positions (the sum of the adjustment value for the US dollar position of 390 points and the adjustment value for the British pound position of 370 points) from the difference in settled investment points (1163 points). In this way, the sum of the adjustment values ​​for each position can always match the difference in settled investment points.

[0093] In this way, the investment server 10 can adjust the total investment points to match the target value for realizing profits by adjusting the investment points for each position. In the above-described embodiment, the adjustment value for each position is calculated according to the ratio of the investment points of each position to the total investment points, but the calculation of the adjustment value is not limited to this example. Adjustment values ​​may be calculated so that the adjustment values ​​for all positions are approximately the same. Alternatively, when a user specifies an adjustment value for a position via the mobile terminal 4, the investment points may be adjusted using the specified adjustment value.

[0094] Next, referring to FIG. 28, an example will be described in which the rates of some of multiple positions fall while the rates of other positions rise, exceeding the target value for profit taking. Note that the initial state 980 in FIG. 28 is a state in which multiple positions (e.g., buying US dollars, euros, and British pounds) are held for 500,000 points each, and the total investment points in the investment account are 1.5 million points. As time passes from state 980, the rates fluctuate, and the state changes to state 982. In state 982, the investment points of the multiple positions are 800,493 points, 778,818 points, and 421,625 points, respectively, and the total investment points exceed the target value for profit taking of 2 million points. Therefore, the device server 10 executes settlement processing for each position in state 982.

[0095] FIG. 29 shows an example of the correction process for the total investment points settled in state 982. The investment server 10 settles each of the multiple positions because the total investment points exceed 2 million points, which is the set value (upper limit target) for profit confirmation. At this time, the investment server 10 determines the difference between the total value of the evaluation values ​​of the settled investment points and the target value of the total investment points. In the example of FIG. 29, the investment server 10 settles when the total investment points are 2,000,937 points, so determines the difference in the settled investment points as 937 points. Next, the investment server 10 corrects the investment points of each position. The investment server 10 calculates the correction value for each position according to the ratio of the investment points of each position to the total investment points. As described above in FIG. 27, the investment server 10 multiplies the difference in the settled investment points (937 points) by the ratio of the investment points of each position to the total investment points to calculate the correction value for each position. The investment server 10 calculates the adjustment values ​​for the euro and British pound positions as 365 points and 198 points, respectively. Then, the adjustment value for the US dollar position, which has the highest ratio of investment positions to the total investment points, is calculated by subtracting the sum of the adjustment values ​​for the other positions (the sum of 365 points and 198 points) from the difference in settled investment points (937 points). In this way, by adjusting the investment points for each position, the investment server 10 can make the total investment points match the target value for profit lock-in.

[0096] Furthermore, referring to FIG. 30, an example will be described in which the investment server 10 adjusts the investment points for each position when the total investment points fall below the stop loss setting value. As explained above, the initial state 990 in FIG. 30 is a state in which 500,000 points are held for each of multiple positions (e.g., buying US dollars, euros, and British pounds). As time passes from state 990, the rates fluctuate, and the state changes to state 992. In state 992, the investment points for the multiple positions are 253,695 points, 221,182 points, and 523,156 points, respectively, and the total investment points are below the stop loss setting value of 1,000,000 points. Therefore, the investment server 10 executes settlement processing for each position in state 992.

[0097] FIG. 31 shows an example of the correction process for the total investment points settled in state 990. The investment server 10 settles each of the multiple positions because the total investment points are below 1 million points, which is the stop loss setting value (lower limit target). At this time, the investment server 10 determines the difference between the total value of the settled investment points and the setting value of the total investment points. In the example of FIG. 31, the investment server 10 settles when the total investment points are 998,034 points, so determines the difference in settled investment points as 1,966 points. Next, the investment server 10 corrects the investment points of each position. The investment server 10 calculates the correction value for each position according to the ratio of the investment points of each position to the total investment points. As described above in FIG. 27, the investment server 10 calculates the correction value for each position by multiplying the difference in settled investment points (1,966 points) by the ratio of the investment points of each position. The investment server 10 calculates the adjustment values ​​for the US dollar and euro positions as 499 points and 436 points, respectively. Then, the adjustment value for the British pound position, which has the highest ratio of the investment position to the total investment points, is calculated by subtracting the sum of the adjustment values ​​for the other positions (the sum of 499 points and 436 points) from the difference with the settled investment points (1966 points). Thereafter, the investment server 10 adjusts the investment points for each position (in this case, adding the adjustment value to the investment points), thereby making the total investment points match the set value for the stop loss.

[0098] If the investment points of each position have been corrected using a correction value, the investment server 10 may display the correction value along with the trading results of each position when displaying the trading results of each position on the mobile terminal 4. For example, when displaying the trading results on the mobile terminal 4, the investment server 10 may transmit information on a trading result screen 1000 shown in FIG. 32 to the mobile terminal 4. The trading result screen 1000 includes a settlement date and time area 1002 displaying the settlement date and time, a position area 1004 displaying the settled position, a settled investment point area 1006 displaying the settled investment points, a correction value area 1007 displaying information on the correction value of the investment points, an order content area 1008 displaying the investment points at the time of the order, an order date and time area 1010 displaying the date and time of the order, and a multiplier area 1012 showing the multiplier for the position. In addition, the trading result screen 1000 can also display the trading results of other positions that were settled at the same time, including the settlement date and time area, position area 1014, settlement investment point area 1016, correction value area 1018, order content area 1020, order date and time area 1022, and multiplier area 1024.

[0099] Next, the operation of the investment server 10 to execute a settlement process based on the total investment points will be described with reference to FIG. 33. The operation shown in FIG. 33 is started when each of the multiple positions has already been contracted. In the following description, each process of the investment server 10 is realized by the processor 104 of the investment server 10 executing a program. The description of this process will start from a situation where the investment server 10 transmits to the mobile terminal 4 a dialog for setting a target total value of investment points for multiple positions, and then the user sets the target total value on the mobile terminal 4. The investment server 10 may transmit to the mobile terminal 4 a dialog for setting (changing) the target total value in response to receiving an instruction to invest in a new stock from the user (on the mobile terminal 4). Alternatively, the investment server 10 may transmit to the mobile terminal 4 a dialog for setting (changing) the target total value in response to receiving from the user (on the mobile terminal 4) a request to convert acquired points into investment points. At this time, if the number of investment points after conversion exceeds a preset target, the investment server 10 may transmit to the mobile terminal 4 a dialog for setting (changing) the target total value. Furthermore, when the user sets investment instructions for multiple stocks, the investment server 10 may transmit to the mobile terminal 4 a dialog for setting the target total value together with the investment instructions. Of course, the investment server 10 may transmit to the mobile terminal 4 a dialog for setting the target total value in response to a request made by the user on the mobile terminal 4 at any timing to set the target total value.

[0100] The investment server 10 receives a set value for taking profit and a set value for cutting loss, which are targets for the total value of investment points for multiple positions (S1100). For example, the investment server 10 receives the set values ​​for taking profit and cutting loss from the mobile terminal 4, which are set in the dialog of the mobile terminal 4 shown in Figures 22 and 23. Note that, although the example shown in Figure 33 describes a case where both the set values ​​for taking profit and cutting loss are received, it is also possible to receive only one of them.

[0101] The investment server 10 acquires rates of multiple stocks from the distribution server 8 (S1102). The investment server 10 may acquire rates of multiple stocks from multiple different distribution servers 8. When the investment server 10 acquires the rates of each stock from the information distribution server 8 at the timing of each settlement process of the investment server 10, the investment server 10 may further acquire information on multiple ticks included in the interval between settlement processes (information on rates at shorter intervals including the timing at which the rates moved). By acquiring information on multiple ticks, the investment server 10 can track and evaluate the price movements of each rate during the interval between settlement processes.

[0102] The investment server 10 calculates the total value of investment points for the multiple positions (total investment points) based on the rates of the multiple stocks (S1104). For example, the investment server 10 calculates the total value of investment points for the multiple positions according to the examples described above in Figures 26, 28, and 30. At this time, the investment server 10 may calculate the total investment points for the multiple positions by going back multiple ticks one by one. In this way, it is possible to evaluate even cases where the total investment points for the multiple positions exceed the set value for profit lock during the interval between settlement processes.

[0103] The investment server 10 determines whether the total investment points have reached or exceeded the profit-taking setting value (S1106). If the investment server 10 determines that the total investment points have reached or exceeded the profit-taking setting value, the process proceeds to S1110 to settle each of the multiple positions; otherwise, the process proceeds to S1108.

[0104] The investment server 10 determines whether the total investment points have reached or fallen below the stop loss setting value (S1108). If the investment server 10 determines that the total investment points have reached or fallen below the stop loss setting value, it proceeds to S1110 to settle each of the multiple positions; if not, it proceeds to S1102 to reevaluate the rate. Note that, in the operation shown in FIG. 33, an example is described in which the profit lock determination in S1106 and the stop loss determination in S1108 are processed sequentially, but these determination processes may also be executed as parallel processes.

[0105] The investment server 10 settles each of the multiple positions at the rate at the time of the settlement process (S1110). The investment server 10 calculates the correction value for each position according to the processes described above in Figures 27, 29, and 31 (S1112). After completing the settlement process for each of the multiple positions, the investment server 10 generates the trading result information shown in Figure 32 (S1114). In this way, by evaluating whether the total value of investment points for multiple positions exceeds the set value for taking profit or cutting loss, the settlement of diversified investments in multiple stocks can be facilitated. Note that the above-described embodiment in which the investment points for multiple positions are collectively processed based on the total value can be applied when investment points can be exchanged for prizes whose value changes in a stepped manner, as described above, but can also be applied when the value of the prizes does not change in a stepped manner. In either case, this embodiment facilitates the settlement of diversified investments in multiple stocks.

[0106] In the above embodiment, the difference between the rate at the time of settlement processing and the target value of the total investment points (the set value for taking profit or cutting loss) is adjusted by correcting the number of points. However, if the investment server 10 acquires information on rate fluctuations for each position in real time and can trace back the rate fluctuations to identify the timing at which the total investment points match the set value for taking profit or cutting loss, the total investment points may be adjusted by correcting each rate so that each position is settled at the rate at that timing.

[0107] In addition, in the above-described embodiment, the settlement process is executed when the total investment points exceed the set value for taking profits or cutting losses, but the settlement process may also be executed when the total increase in each position exceeds the set value or when the total decrease in each position falls below the set value.

[0108] Furthermore, in the above-described embodiment, the investment target is described as a plurality of issues in foreign exchange margin trading, but the investment target is not limited to issues in foreign exchange margin trading. The above-described embodiment can also be applied to cases where multiple positions are set for, for example, multiple issues in stock trading, multiple issues in futures trading, multiple issues in bond trading, or multiple issues in virtual currency trading. Furthermore, the multiple positions may be composed of positions for issues of different types of financial products, such as an issue in foreign exchange margin trading and an issue in stock trading.

[0109] When combining different types of financial products, the time periods during which the financial products can be bought and sold may differ. For example, when the investment server 10 processes a position for a foreign exchange margin trading product and a position for another financial product, the market for the other financial product may be closed and the rate for the investment target product may not be fluctuating. In such a case, the investment server 10 may evaluate the total value of investment points using the closing price of the investment target product in S1102 and execute settlement processing if the total value exceeds a set value for profit taking, etc. In this way, the investment server 10 can immediately execute settlement processing (without waiting for the market to reopen) when the total investment points exceed a set value for profit taking, etc. Note that when the investment server 10 performs virtual transactions, even if the market for the other financial product opens and the rate falls from the closing price, unlike when buying and selling actual financial products, the provider of the point investment service can treat losses due to the fluctuating rate as virtual losses.

[0110] In addition, when financial products can be bought and sold at different times, the investment server 10 may obtain in advance the time periods during which the rates of the investment targets fluctuate, and provide settlement processing based on the total investment points for financial products with the same time periods during which the rates fluctuate.

[0111] In the above embodiment, the investment server 10 executes virtual investments. However, this is not limiting and the investment server 10 may also execute processes for executing actual investments, such as stock trading and foreign exchange trading. In this case, the investment points for each position described above may be replaced with the appraised value of the respective financial product. Furthermore, a provider of investment services using the investment server 10 may be, for example, a business that provides services using a dealing desk (DD) system, which conducts bilateral transactions with investors. When the investment server 10 of this investment service provider receives an order to buy or sell a financial product via the mobile terminal 4, the investment server 10, for example, conducts a bilateral transaction and then buys or sells the financial product related to the order with a financial institution that can buy or sell the financial product. When performing settlement processing for each position, the investment server 10 then buys or sells the financial product held with the financial institution.

[0112] 20 to 33, both the profit-taking condition and the stop-loss condition are configured to be specified by the total number of points. This allows the user to directly compare the number of points set as a goal with the number of points required for the prize they want, making it easy to understand, and improving user convenience in setting goals.

[0113] In the embodiment, the case where various parameters related to a new order are received from the user on the new order receiving screen 504 of Fig. 12 has been described, but this is not limiting, and for example, parameters for a new order may be input or specified directly on a chart showing price movements. Fig. 34 is a representative screen diagram of a graphical new order receiving screen 856 displayed on the display 40 of the mobile terminal 4. For example, an object that serves as a flow line to the graphical new order receiving screen 856 may be provided on the new order receiving screen 504 of Fig. 12, and the graphical new order receiving screen 856 may be displayed when the object is tapped. The graphical new order acceptance screen 856 has a chart 872 showing the price movements of the selected currency pair, an investment multiplier input area 858 for accepting input of an investment multiplier, an increase input area 860 for accepting input of an increase in the number of investment points related to the profit taking condition, a decrease input area 862 for accepting input of a decrease in the number of investment points related to the stop loss condition, a profit taking condition change object 864, a stop loss condition change object 866, a profit taking line 868, a stop loss line 870, a profit taking rate 874, and a stop loss rate 876. The chart 872 may be configured using daily, minute, second, or tick charts, or weekly, monthly, or yearly charts, etc.

[0114] While referring to chart 872, the user inputs or selects a desired investment multiplier in investment multiplier input area 858, inputs a desired number of increased points in increase number input area 860, and inputs a number of decreased points for the stop loss in decrease number input area 862. A profit lock-in rate is calculated from the number of investment points to be invested (already specified in number of points input area 568 of FIG. 12), the multiplier input in investment multiplier input area 858, and the number of increased points input in increase number input area 860, and a profit lock-in rate 874 and a profit lock-in line 868 corresponding to the calculated rate are displayed. A stop loss rate is calculated from the number of investment points to be invested (already specified in number of points input area 568 of FIG. 12), the multiplier input in investment multiplier input area 858, and the number of decreased points input in decrease number input area 862, and a stop loss rate 876 and a stop loss line 870 corresponding to the calculated rate are displayed.

[0115] If the user wishes to change the profit taking rate when setting parameters for a new order, the user moves the profit taking condition change object 864 by the desired distance in either the up or down direction by dragging it. The mobile terminal 4 recalculates the number of increased points when profits are taken at the rate corresponding to the position of the profit taking condition change object 864 after being moved in this way, and updates the display of the increase number input area 860 with the calculation result.

[0116] If the user wishes to change the stop loss rate when setting parameters for a new order, the user moves the stop loss condition change object 866 by the desired distance in either the up or down direction by dragging it. The mobile terminal 4 recalculates the number of points to be reduced when a stop loss is performed at the rate corresponding to the position of the stop loss condition change object 866 after being moved in this way, and updates the display in the reduction number input area 862 with the calculation result.

[0117] 35 is a representative screen diagram showing the graphical new order acceptance screen 856 in a state after the stop loss condition change object 866 has been dragged upward by a predetermined distance. The number of points to be reduced is recalculated in accordance with the change in the stop loss rate, and the recalculation result is reflected in the reduction number input area 862. Specifically, as a result of moving the stop loss rate upward from the state in FIG. 24, the number of points to be reduced at the time of stop loss has been updated from "-3000" to "-1000."

[0118] If the user wishes to change the investment multiplier when setting parameters for a new order, the user inputs or selects the desired multiplier in the investment multiplier input area 858. The mobile terminal 4 recalculates the profit take rate from the changed multiplier, the number of investment points to be invested, and the number of increased points input in the increase number input area 860, and updates the display of the profit take rate 874 and the profit take line 868 with the rate obtained by the recalculation. The mobile terminal 4 recalculates the loss stop rate from the changed multiplier, the number of investment points to be invested, and the number of decreased points input in the decrease number input area 862, and updates the display of the loss stop rate 876 and the loss stop line 870 with the rate obtained by the recalculation.

[0119] Figure 36 is a representative screen diagram showing the graphical new order acceptance screen 856 in a state after the multiplier has been changed. The profit-taking rate and stop-loss rate are recalculated in response to the change in the multiplier, and the displays of the profit-taking line 868, profit-taking rate 874, stop-loss line 870, and stop-loss rate 876 are updated based on the recalculation results. Specifically, as a result of changing the multiplier from "x10" in Figure 34 to "x20," the profit-taking rate decreases and the stop-loss rate increases for the same number of increase points and decrease points, and the distance between the profit-taking line 868 and the stop-loss line 870 becomes narrower in Figure 36 compared to the state in Figure 34.

[0120] The investment of points into each currency may be configured to accept investments in a chronological order at separate times, such as the first currency (e.g., U.S. dollar), the second currency (e.g., euro), and the third currency (e.g., British pound), after which a total target number of points is set. Alternatively, multiple currencies may be invested at a single time and a total target number of points may be set. In this case, the number of points to be invested may be set for each currency, or the total number of points to be invested may be set, and the percentage of each currency to be invested may be specified, and a total target number of points may also be set. For greater convenience, it is desirable to display a graph such as a pie chart or bar graph to specify the percentage, allowing the percentage for each currency to be graphically adjusted.

[0121] The invention is not limited to the above-described embodiment, and various modifications and variations are possible within the scope of the gist of the invention. [Explanation of symbols]

[0122] 2. Point investment system, 4. Mobile terminal, 6. Network, 8. Information distribution server, 10. Investment server

Claims

1. A means of managing actual or hypothetical investments in commodities as positions; A means for accepting settings relating to conditions that must be satisfied by the total or increase / decrease in the valuation of multiple different positions held by the user in order to set an investment goal; means for settling the different positions when the condition that the total or increase / decrease in the valuation amounts of the different positions must satisfy is met; The setting related to the condition that the total or increase / decrease of the valuation amounts of the plurality of positions must satisfy corresponds to the value of a prize set by the user; The means for accepting the setting related to the condition accepts the setting related to the condition corresponding to the value of the prize by accepting the designation of the prize set by the user.

2. The information processing device according to claim 1 , wherein the different positions include positions for different types of financial products.

3. 3. The information processing device according to claim 1, wherein the investment is a virtual investment using electronic value in a financial product.

4. 4. The information processing device according to claim 1, further comprising means for correcting the total or increase / decrease in the valuation amounts of the different positions that have been settled so that the total or increase / decrease in the valuation amounts matches a set value related to the condition.

5. The information processing device according to claim 4, characterized in that the correction means corrects the valuation amount of each of the different positions that have been settled so that the total or increase / decrease in the valuation amount of the different positions that have been settled matches a set value related to the condition.

6. the setting related to the condition that the total or increase / decrease in the valuation amounts of the plurality of positions must satisfy includes at least one of a first setting value for locking in profits on the plurality of positions and a second setting value for cutting losses on the plurality of positions; An information processing device described in any one of claims 1 to 5, characterized in that the first set value corresponds to a lower limit value when the value of a first prize is set within a predetermined range, and the second set value corresponds to a lower limit value when the value of a second prize is set within a predetermined range and at a value lower than the first prize.

7. 7. The information processing device according to claim 1, wherein the means for accepting settings relating to the conditions further accepts settings relating to conditions that must be satisfied by the valuation amount of each of the plurality of positions.

8. 8. The information processing device according to claim 7, further comprising means for settling a position for which the condition that the valuation amount of any one of the plurality of positions must satisfy is satisfied at that time.

9. 1. An information processing method executed by an information processing device that manages actual or virtual investments in commodities as positions, comprising: Accepting settings related to conditions that must be met by the total or increase / decrease in the valuation of different positions held by the user in order to set investment goals; and closing the different positions when the condition that the total or increase or decrease in the valuation amount of the different positions must satisfy is met; The setting related to the condition that the total or increase / decrease of the valuation amounts of the plurality of positions must satisfy corresponds to the value of a prize set by the user; In this information processing method, accepting the setting related to the condition includes accepting a designation of a prize set by the user, thereby accepting the setting related to the condition corresponding to the value of the prize.

10. A means of managing actual or hypothetical investments in commodities as positions; A means for accepting settings relating to conditions that must be satisfied by the total or increase / decrease in the valuation of multiple different positions held by the user in order to set an investment goal; a means for settling the different positions when the condition that the total or increase / decrease in the valuation amounts of the different positions must satisfy is met; and means for correcting the total or increase / decrease in the valuation amounts of the different positions that have been settled so that it matches a set value related to the condition.

11. 1. An information processing method executed by an information processing device that manages actual or virtual investments in commodities as positions, comprising: Accepting settings related to conditions that must be met by the total or increase / decrease in the valuation of different positions held by the user in order to set investment goals; When the condition that the total or increase / decrease in the valuation amount of the plurality of positions must satisfy is satisfied, closing the plurality of different positions at that time; correcting the total or increase / decrease in the valuation amounts of the different positions that have been settled so that the total or increase / decrease in the valuation amounts matches a set value related to the condition; An information processing method comprising:

Images