Information processing system, information processing method, and program

Abstract

To provide financial product services that can meet the diversifying needs of customers. [Solution] In an information processing system S having a first trading block (10) that conducts a first transaction of a financial product based on instructions from a computer program, the first trading block (10) has a first trading unit (100) for conducting the first transaction with a first counterparty (2), and the first trading unit (100) offers the first counterparty multiple types of transactions for the same financial product, including a transaction at a first service transaction rate having a pair of a first selling price and a first buying price that changes from time to time, and a transaction at a second service transaction rate having a pair of a second selling price and a second buying price that changes from time to time, where the first selling price and the second selling price are the prices at which the first counterparty sells the financial product, and the first buying price and the second buying price are the prices at which the first counterparty buys the financial product. This solves the above problem.

Description

[Technical Field]

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

[0002] In FX (foreign exchange margin trading), customer demands are diversifying, with different demands for minimum trading unit prices, maximum trading units, upper limits on open positions, spreads, swap points, and so on. For example, some customers require smaller minimum trading units, while others require larger maximum trading units. Furthermore, customers who intend to hold their positions for the long term tend to require high swap points, while customers who intend to hold their positions for the short term tend to require narrow spreads. FX companies offer a variety of currency pairs to meet customer demands, and related technologies also exist (e.g., Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2016-136413 Summary of the Invention [Problem to be solved by the invention]

[0004] However, conventional financial product trading systems generally provide services under uniform trading conditions for the same financial product. This makes it difficult to adequately respond to the diversifying needs of customers. In particular, when providing multiple services with different trading conditions for the same currency pair, the system becomes complicated and the user interface becomes cumbersome.

[0005] The present invention has been made in view of the above circumstances, and aims to provide financial product services that can meet the diversifying needs of customers. [Means for solving the problem]

[0006] In order to achieve the above object, one aspect of the present invention is an information processing system having a first trading block that conducts a first transaction of a financial product based on instructions from a computer program, wherein the first trading block has a first trading means for conducting the first transaction with a first counterparty, and the first trading means offers the first counterparty multiple types of transactions for the same financial product, including a transaction at a first service transaction rate having a pair of a first selling price and a first buying price that changes from time to time, and a transaction at a second service transaction rate having a pair of a second selling price and a second buying price that changes from time to time, wherein the first selling price and the second selling price are the prices at which the first counterparty sells the financial product, and the first buying price and the second buying price are the prices at which the first counterparty buys the financial product.

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

[0008] According to the present invention, it is possible to provide financial product services that can meet the diversifying needs of customers. [Brief explanation of the drawings]

[0009] [Figure 1] 1 is a diagram illustrating an example of the overall configuration of an information processing system according to an embodiment of the present invention. [Figure 2] 2 is a block diagram showing an example of a hardware configuration of a management server that constitutes the information processing system of FIG. 1. FIG. [Figure 3] FIG. 2 is a functional block diagram illustrating an example of a functional configuration of a management server. [Figure 4] FIG. 10 is a diagram showing a specific example of a screen displayed on a client terminal that allows trading of a normal spread. [Figure 5]FIG. 10 is a diagram showing a specific example of a screen that enables trading with narrow spreads, among the screens displayed on the client terminal. [Figure 6] 10 is a flowchart showing a specific example of a processing flow by a management server. [Figure 7] FIG. 10 is a diagram showing a specific example of a new order screen for a narrow spread, among the screens displayed on a customer terminal. [Figure 8] FIG. 10 is a diagram showing a specific example of a service comparison screen among the screens displayed on the customer terminal. DETAILED DESCRIPTION OF THE INVENTION

[0010] <Terminology> In this embodiment, "LP" refers to a financial institution that provides liquidity to financial markets. In particular, in FX trading, it refers to a liquidity provider (LP) that continuously distributes exchange rates. Furthermore, "the same financial product" refers to the same financial product as defined in Article 2, Paragraph 24 of the Financial Instruments and Exchange Act. For example, in the case of FX, this refers to the same currency pair. That is, even if the trading conditions (such as the minimum trading unit) are different and the products are offered to customers as separate services (with different names), the same currency pair still constitutes the "same financial product" as defined in this invention. For convenience of explanation, this embodiment uses USD / JPY as an example. However, the present invention is equally applicable to other currency pairs (e.g., EUR / USD, GBP / JPY, AUD / JPY, etc.). That is, for each currency pair, multiple types of transactions can be offered, each with a first service transaction rate (normal spread) and a second service transaction rate (narrow spread).

[0011] Furthermore, the "transaction rate" is the price at which financial products are bought and sold, and it changes every moment. For example, in the case of FX, the "transaction rate" refers to one or more of the "selling price" (hereinafter sometimes referred to as "bid"), "buying price" (hereinafter sometimes referred to as "ask"), "mid-price", and "spread". Of these, the spread is the price difference between the selling price and the buying price. The spread represents a trading cost for customers. There are "standard spreads", which have a standard price difference between the buying price and the selling price, and "narrow spreads", which have a narrower price difference between the buying price and the selling price than the standard spread. Narrow spreads are suitable for short-term trading as they have lower trading costs for customers.

[0012] Additionally, "buying and selling" refers to either "selling" or "buying." Additionally, "new orders" refer to new orders to sell or new orders to buy. Additionally, "settlement" refers to the confirmation of profits or losses by trading the reverse of the unsettled assets that have been traded as a result of the execution of a new order. Hereinafter, embodiments of the present invention will be described with reference to the drawings, but the present invention is not limited thereto. <Summary of the present invention> FIG. 1 is a diagram showing an example of the overall configuration of an information processing system S according to one embodiment of the present invention. The information processing system S shown in Fig. 1 is configured to include a management server 1, a first counterparty 2, and a second counterparty 3. The specific configuration will be described later, but the management server 1, the first counterparty 2, and the second counterparty 3 are connected to each other via a predetermined network N such as the Internet. The network N enables the transmission and reception of transaction information in real time between the management server 1, the first counterparty 2, and the second counterparty 3.

[0013] The management server 1 has a first trading block 10, a trading rate acquisition block 11, and a trading rate calculation block 12. As will be described in detail later, each of these blocks is implemented as a functional component of the management server 1. The first trading block 10 is responsible for trading financial products with a first counterparty 2. The trading rate acquisition block 11 acquires trading rate information from a second counterparty 3. The trading rate calculation block 12 is located within the first trading block 10 and calculates various trading rates based on the acquired information.

[0014] The first counterparty 2 is a customer component that uses financial instruments trading services. For example, in FX, customers are individual investors or corporate investors. The first counterparty 2 includes customer terminals 20-1 to 20-n (n is an integer value equal to or greater than 1). Hereinafter, unless there is a need to individually explain the customer terminals 20-1 to 20-n, these will be collectively referred to as the "customer terminal 20." The customer terminal 20 is, for example, an information processing device such as a smartphone, tablet, or personal computer. The customer terminal 20 may access the trading service via dedicated application software or a web browser. The first counterparty 2 is connected to the network N via a first communication line path 21. The first counterparty 2 communicates with the first trading block 10 of the management server 1 to check exchange rates, place orders, manage positions, and so on.

[0015] The second counterparty 3 is a configuration on the side of a financial institution such as an LP, and includes financial institution devices 30-1 to 30-m (m is an integer value of 1 or greater). Hereinafter, when there is no need to explain the financial institution devices 30-1 to 30-m individually, they will be collectively referred to as the "financial institution device 30." The financial institution device 30 is, for example, configured as an information processing device such as a server. The second counterparty 3 is connected to the network N via a second communication line path 31, and communicates with the transaction rate acquisition block 11 of the management server 1.

[0016] For example, the second counterparty 3 provides transaction rate information to the management server 1. The transaction rate acquisition block 11 is connected to the second counterparty 3 via a second communication line path 31 and acquires transaction rate source information for calculating the calculation source transaction rate from the second counterparty 3 online. In this embodiment, there are multiple second counterparties 3. Therefore, the transaction rate acquisition block 11 acquires transaction rate source information provided sequentially from each of the multiple second counterparties 3. Note that the second counterparty 3 may also be an LP. In FX, an LP is a financial institution such as a bank or securities company that provides liquidity in the foreign exchange market. By acquiring transaction rates from multiple LPs, the management server 1 can provide customers with highly reliable transaction rates that reflect market trends.

[0017] With the above configuration, the management server 1 can provide a plurality of types of transaction services to the first counterparty 2 based on the transaction rate information acquired from the second counterparty 3.

[0018] <Hardware configuration> [Hardware configuration of Management Server 1] FIG. 2 is a block diagram showing an example of the hardware configuration of the management server 1 that constitutes the information processing system S of FIG. The management server 1 includes a CPU (Central Processing Unit) 41, a ROM (Read Only Memory) 42, a RAM (Random Access Memory) 43, a bus 44, an input / output interface 45, an output unit 46, an input unit 47, a memory unit 48, a communication unit 49, and a drive 50.

[0019] The CPU 41 executes various processes according to a program recorded in the ROM 42 or a program loaded from the storage unit 48 into the RAM 43 . The RAM 43 also stores data and the like necessary for the CPU 41 to execute various processes, etc. For example, the RAM 43 stores temporary data such as transaction rate information and calculation results, etc.

[0020] The CPU 41, ROM 42, and RAM 43 are connected to one another via a bus 44. An input / output interface 45 is also connected to this bus 44. An input unit 47, an output unit 46, a storage unit 48, a communication unit 49, and a drive 50 are connected to the input / output interface 45.

[0021] The output unit 46 is configured with a display such as a liquid crystal display, a speaker, etc., and outputs various information as images and sounds. The input unit 47 is configured by, for example, a keyboard and is used to input various information.

[0022] The storage unit 48 is configured with a DRAM (Dynamic Random Access Memory) or the like, and stores various data. For example, the storage unit 48 stores programs for implementing the various functions of this embodiment, customer information, transaction history data, etc. Furthermore, the storage unit 48 efficiently utilizes storage areas in relation to hardware resources, enabling high-speed reading and writing of large amounts of transaction data. The communication unit 49 communicates with other devices via a network N including the Internet.

[0023] Removable media 51, such as a magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, is appropriately loaded into the drive 50. A program read from the removable media 51 by the drive 50 is installed in the storage unit 48 as needed. Furthermore, the removable media 51 can also store various data stored in the storage unit 48 in the same manner as the storage unit 48 .

[0024] Although not shown, the customer terminal 20 and financial institution device 30 in Fig. 1 can also have a configuration basically similar to the hardware configuration shown in Fig. 2. Therefore, a description of the hardware configuration of the customer terminal 20 and financial institution device 30 will be omitted.

[0025] <Functional configuration of management server 1> [Functional configuration of Management Server 1] FIG. 3 is a functional block diagram showing an example of the functional configuration of the management server 1. As shown in FIG. FIG. 4 is a diagram showing a specific example of a screen displayed on the client terminal 20 that allows trading of a normal spread. FIG. 5 is a diagram showing a specific example of a screen displayed on the client terminal 20 that allows trading with a narrow spread. 3, a first trading block 10, a trading rate acquisition block 11, and a trading rate calculation block 12 function in the CPU 41 of the management server 1. Each of these blocks operates based on instructions from a computer program to provide trading services for financial products.

[0026] [First Trading Block 10] The first trading block 10 conducts a first transaction of a financial product based on instructions from a computer program. The first trading block 10 has a first trading unit 100 that conducts a first transaction of a financial product with a first counterparty 2. The first trading block 10 is connected to the first counterparty 2 via a first communication line path 21, and provides online financial product trading services to the first counterparty 2. The first trading block 10 may be a customer system. In this case, the first trading block 10 provides functions such as accepting orders from customers, processing contracts, and managing positions.

[0027] (First Transaction Unit 100) The first trading unit 100 offers multiple types of transactions for the same financial product to the first counterparty 2. Specifically, the first trading unit 100 offers transactions at a first service transaction rate (e.g., USDJPY normal) that has a pair of a first selling price and a first buying price and changes from time to time. Here, the first selling price is the price at which the first counterparty 2 sells the financial product, and the first buying price is the price at which the first counterparty 2 buys the financial product. The first service transaction rate is displayed on the screen of the client terminal 20.

[0028] In FX, the first service transaction rate is positioned as a transaction rate under standard transaction conditions. For example, the first service transaction rate may offer a transaction with a normal spread of 0.4 sen, as shown in FIG. 4 (hereinafter referred to as the "normal spread screen"). That is, the normal spread screen shown in FIG. 4 indicates that the bid (sell) price for "USDJPY" is 149.998, the ask (buy) price is 150.002, and the spread is 0.4 sen. The normal spread screen shown in FIG. 4 also indicates that the transaction conditions are "USDJPY normal," the minimum transaction unit is "1,000 units," the maximum transaction unit is "1,000,000 units," the swap points are "standard," and the open position limit is "standard." The spread of the first service transaction rate may be narrower than the spread offered by the LP. This allows clients to trade under more favorable conditions than the prevailing market conditions.

[0029] The first trading unit 100 also provides a plurality of types of transactions, including transactions at a second service trading rate (e.g., USDJPY narrow spread) that has a pair of a second selling price and a second buying price and changes from time to time. Here, the first selling price and the second selling price are the prices at which the first counterparty 2 sells the financial product, and the first buying price and the second buying price are the prices at which the first counterparty 2 buys the financial product.

[0030] The second service transaction rate is displayed on the screen of the client terminal 20. The second service transaction rate may be offered to the client as a transaction with a narrower spread than the first service transaction rate. For example, the second service transaction rate may offer a transaction with a narrower spread of 0.2 sen, as shown in FIG. 5 (hereinafter referred to as the "narrow spread screen"). That is, the narrow spread screen shown in FIG. 5 shows that the bid (sell) price for "USDJPY" is 149.999, the ask (buy) price is 150.001, and the spread is 0.2 sen. The narrow spread screen shown in FIG. 5 also shows that the transaction terms are "USDJPY narrow spread," the minimum transaction unit is "1,000 units," the maximum transaction unit is "10,000 units (limited)," the swap points are "high," and the open position upper limit is "limited." It is desirable that the spread of the second service transaction rate be narrower than the spread offered by the LP. For example, the spread of the second service transaction rate may be 1 / 2 or less, 1 / 3 or less, or 1 / 4 or less than the spread offered by the LP. Also, the number of decimal points of the second service transaction rate may be greater than the number of decimal points of the ask and bid prices offered by the first service transaction rate. For example, the first service transaction rate may be 150.242 and the second service transaction rate may be 150.2425.

[0031] When the financial product transaction is FX, the first trading unit 100 provides a plurality of financial product transaction services with different spread conditions for a currency pair such as USDJPY. In this case, for example, as shown in the normal spread screen of Fig. 4 and the narrow spread screen of Fig. 5, a customer can select a transaction with a normal spread (0.4 sen) or a narrow spread (0.2 sen) for the same currency pair.

[0032] The first trading unit 100 obtains the first service trading rate and the second service trading rate provided by the trading rate calculation block 12 and transmits them to the first counterparty 2. The first trading unit 100 also accepts orders from the first counterparty 2 and performs contract processing to execute trades. Here, the first trading unit 100 may provide a switching function that instantly switches between the first service trading rate and the second service trading rate when a "Spread Switch" button B1 shown on the normal spread screen of FIG. 4 and the narrow spread screen of FIG. 5 is pressed. This switching function allows customers to immediately understand the differences in trading conditions and select a service that suits their trading strategy.

[0033] [Transaction rate acquisition block 11] The transaction rate acquisition block 11 acquires transaction rates of financial products one after another based on instructions from a computer program. The transaction rate acquisition block 11 is connected to the second counterparty 3 via a second communication line path 31, and acquires transaction rate source information online from the second counterparty 3 for calculating the calculation source transaction rate.

[0034] (Calculation source transaction rate calculation unit 110) The transaction rate acquisition block 11 has a calculation source transaction rate calculation unit 110. The calculation source transaction rate calculation unit 110 successively calculates calculation source transaction rates based on transaction rate source information successively provided by the second counterparty 3. For example, the calculation source transaction rate calculation unit 110 is capable of calculating a highly reliable mid-price based on transaction rate source information provided by each of the ten LPs that are the second counterparty 3. The "mid-price" is the rate that financial institutions use as a reference when conducting foreign exchange transactions.

[0035] There are multiple second counterparties 3, and the transaction rate acquisition block 11 acquires transaction rate source information provided successively from each of the multiple second counterparties 3. The transaction rate source information has a pair of a third selling price and a third buying price. Here, the third selling price is the price at which a financial product is sold to the second counterparty 3, and the third buying price is the price at which a financial product is bought from the second counterparty 3. The transaction rate source information may be a transaction rate provided by an LP. In FX, an LP typically submits both a bid (selling) price and an ask (buying) price for each currency pair. The price difference between the bid (selling) price and the ask (buying) price becomes a spread, which is a source of revenue for the LP.

[0036] The transaction rate source information is dynamic information that is updated in real time due to various factors, such as market liquidity, the release of economic indicators, and political events. As a result, the transaction rate source information changes every moment. The transaction rate acquisition block 11 captures these changes in a timely manner and continuously acquires transaction rate source information that reflects the latest market information.

[0037] The transaction rate acquisition block 11 may be a LP-to-LP system. In this case, the transaction rate acquisition block 11 acquires transaction rate information from multiple LPs and integrates it to generate a highly reliable calculation source transaction rate. The generated calculation source transaction rate is provided to the transaction rate calculation block 12 and serves as the basis for calculating transaction rates for customers. Transaction rate information provided by multiple LPs may indicate different values ​​depending on the market judgments and liquidity conditions of each of the multiple LPs. In response to this, the calculation source transaction rate calculation unit 110 integrates this different transaction rate information to generate a calculation source transaction rate that appropriately reflects the prevailing market conditions.

[0038] For example, the calculation source transaction rate calculation unit 110 calculates the calculation source transaction rate by excluding extreme transaction rate values ​​from the transaction rate information obtained from each of the multiple LPs and calculating the average of the remaining transaction rates. Also, for example, the calculation source transaction rate calculation unit 110 can perform weighting based on the past distribution performance and execution performance of each of the multiple LPs, and calculate the calculation source transaction rate by a weighted average.

[0039] With the above configuration, the calculation source transaction rate calculation unit 110 integrates information obtained from multiple sources to generate more reliable transaction rates without relying on transaction rates from a single LP. Furthermore, even if a specific LP temporarily stops distribution or experiences rate anomalies, it can continue to provide stable transaction rates.

[0040] [Transaction rate calculation block 12] The transaction rate calculation block 12 sequentially calculates transaction rates of financial products based on instructions from a computer program. The transaction rate calculation block 12 sequentially calculates a first selling price and a first buying price of the first service transaction rate and a second selling price and a second buying price of the second service transaction rate based on the calculation source transaction rates sequentially acquired from the transaction rate acquisition block 11.

[0041] As shown in FIG. 3, the transaction rate calculation block 12 is located within the first transaction block 10. When the transaction rate calculation block 12 receives the calculation source transaction rate provided by the transaction rate acquisition block 11, it calculates multiple transaction rates for the customer. The first service transaction rate and the second service transaction rate may be calculated, for example, by calculating the first service transaction rate from the calculation source transaction rate, or by calculating the second service transaction rate from the calculated first service transaction rate. In this case, calculation can be performed faster with less system load.

[0042] In this embodiment, the transaction rate calculation block 12 calculates the buy price and sell price of the first service transaction rate by adding or subtracting 0.2 sen to the midpoint of the calculation source transaction rate. Furthermore, the transaction rate calculation block 12 calculates the buy price and sell price of the second service transaction rate by adding or subtracting 0.1 sen from or to the buy price and sell price of the first service transaction rate. As a result, the spread of the first service transaction rate is always fixed at 0.4 sen, and the spread of the second service transaction rate is always fixed at 0.2 sen.

[0043] The second selling price is greater than the first selling price, and the second buying price is less than the first buying price. This relationship allows the second service transaction rate to offer a narrower spread than the first service transaction rate. Furthermore, the value obtained by subtracting the third selling price from the third buying price is greater than the value obtained by subtracting the second selling price from the second buying price. This allows the management server 1 to offer the first counterparty 2 a narrower spread than the spread offered by the second counterparty 3.

[0044] (Second Trading Department 121) The transaction rate calculation block 12 has a second transaction unit 121. The second transaction unit 121 conducts a second transaction of a financial product with a second counterparty 3. In this embodiment, the second transaction unit 121 conducts a cover transaction to hedge the risk of the amount that could not be offset by a mary transaction (described later), which offsets foreign exchange positions by linking sales and purchases of the same currency. By combining the selection of an LP with favorable transaction terms, the utilization of mary transactions, and the timing adjustment of cover transactions, it becomes possible to offer transactions with narrower spreads than LPs.

[0045] In FX, a "cover transaction" refers to a counter-trading transaction conducted by a financial institution with an LP or other entity to hedge the market risk of a position arising from a transaction with a customer. A "marry transaction" refers to a trading method that reduces external cover transactions by internally offsetting the purchases and sales of multiple customers. The second trading unit 121 may conduct cover transactions for the amount that could not be offset through a marry transaction. For example, assume that at a certain point in time, customer A places a buy order for 10,000 units of currency and customer B places a sell order for 8,000 units of currency. In this case, the second trading unit 121 may offset the two orders internally and conduct a cover transaction with the LP for only the difference of 2,000 units of currency.

[0046] Furthermore, by combining the selection of an LP with favorable transaction terms with the utilization of mary transactions and the timing adjustment of cover transactions, it may be possible to provide transactions with narrower spreads than those of LPs, for example, spreads of 1 / 2 or less, 1 / 3 or less, or 1 / 4 or less. Furthermore, mary transactions may be conducted based on transactions at the first service transaction rate and transactions at the second service transaction rate.

[0047] The second trading unit 121 determines the optimal timing for a cover transaction based on the transaction rate source information acquired by the transaction rate acquisition block 11 from the second counterparty 3. For example, transaction costs can be reduced by selecting a time period when market liquidity is high or when spreads are narrow to execute a cover transaction. With the above configuration, the second trading unit 121 can provide customers with transaction conditions that are more favorable than the prevailing market conditions while at the same time ensuring the profitability of the management server 1. Furthermore, since mary trading reduces the volume of external transactions, transaction costs can be reduced and the processing load on the system can be lightened.

[0048] (Account Management Department 122) The transaction rate calculation block 12 has an account management unit 122. The account management unit 122 manages accounts opened by the first counterparty 2. The account management unit 122 centrally manages account information such as customer margin, positions, profits and losses, etc. In FX, customers can deposit margin, enabling them to trade amounts several to several tens of times the margin. Such transactions are called leveraged transactions. The account management unit 122 manages transactions at the first service transaction rate and transactions at the second service transaction rate in an integrated manner within the same account.

[0049] Specifically, the account management unit 122 manages positions arising from transactions at the first service transaction rate and positions arising from transactions at the second service transaction rate in the same account. The account management unit 122 may apply a common margin to transactions for both services and perform integrated calculations of the margin maintenance rate. This allows the client to use multiple transaction services with one account, simplifying fund management.

[0050] For example, suppose the spread of the first service transaction rate is fixed at 0.4 sen and the spread of the second service transaction rate is fixed at 0.2 sen. In this case, the buy and sell prices of the first service transaction rate may be calculated by adding or subtracting 0.2 sen from the midpoint of the calculation base transaction rate. Furthermore, the buy and sell prices of the second service transaction rate may be calculated by adding or subtracting 0.1 sen from the buy and sell prices of the first service transaction rate. In this embodiment, transactions using the second service transaction rate may have a narrow spread but are aimed at beginners, allowing for smaller transaction volumes than transactions using the first service transaction rate.

[0051] (First communication line path 21) The first communication line path 21 is a communication line connecting the first trading block 10 and the first counterparty 2. The first trading block 10 is connected to the first counterparty 2 via the first communication line path 21, thereby enabling the first trading block 10 to provide online financial product trading services to the first counterparty 2. The first communication line path 21 may be an internet line, or may use an encrypted communication protocol such as SSL.

[0052] (Second communication line path 31) The second communication line path 31 is a communication path connecting the transaction rate acquisition block 11 and the second counterparty 3. By connecting to the second counterparty 3 via the second communication line path 31, the transaction rate acquisition block 11 acquires transaction rate source information online from the second counterparty 3 for calculating the calculation source transaction rate. The latency, which is the delay time during data transfer over the second communication line path 31, is shorter than the latency of the first communication line path 21. This allows the transaction rate acquisition block 11 to acquire transaction rate information from the second counterparty 3 at high speed. As a result, it becomes possible to provide the first counterparty 2 with the latest transaction rate in real time, for example. The second communication line path 31 may be a dedicated line or a high-speed internet line.

[0053] With the above configuration, the first counterparty 2 can check the first service transaction rate and the second service transaction rate on the screen of the client terminal 20. This allows the client to select either a normal spread transaction or a narrow spread transaction depending on his or her trading style and market conditions. The first counterparty 2 also communicates with the first trading block 10 via the first communication line path 21. This communication includes receiving transaction rates, sending orders, receiving contract notifications, and checking account information. The first counterparty 2 receives real-time fluctuating exchange rates and places buy and sell orders at the appropriate timing. For example, the first counterparty 2 can conduct both transactions at the first service transaction rate and the second service transaction rate in the same trading account. This allows the client to flexibly select transaction terms depending on the market environment and his or her risk tolerance.

[0054] As shown in FIG. 3, the storage unit 48 of the management server 1 is provided with a customer DB 481 in which customer information is stored, and a transaction DB 482 in which data on transaction history is stored.

[0055] <Specific example of the processing flow of management server 1> FIG. 6 is a flowchart showing a specific example of the flow of processing by the management server 1. When a customer accessing the FX company's website performs an operation to refer to the USDJPY rate (YES in step S1), the management server 1 displays a normal spread screen (see FIG. 4) displaying the first service transaction rate (normal USDJPY) (step S2). On the other hand, when an operation to refer to the USDJPY rate has not been performed (NO in step S1), the management server 1 repeats the determination process of step S1.

[0056] Next, when the client presses the "Spread Switch" button B1 displayed on the normal spread screen (YES in step S3), the management server 1 switches the display from the normal spread screen to the narrow spread screen (see FIG. 5) (step S4). This ends the processing of the management server 1 (END). In this way, pressing the "Spread Switch" button B1 instantly switches between the normal spread screen and the narrow spread screen. The normal spread screen and the narrow spread screen alternately display the bid (sell) and ask (buy) prices in the same position on the screen, making the difference immediately clear, allowing the client to easily place a new order at the second service transaction rate. Because the second service transaction rate offers a narrow spread, if the exchange rate moves in a profitable direction, the client can easily make a profit by settling the order.

[0057] <Other examples of screens> FIG. 7 is a diagram showing a specific example of a new order screen for a narrow spread, among the screens displayed on the client terminal 20. As shown in Figure 7, the new order screen for a narrow spread shows that the trading conditions are "USDJPY narrow spread," the spread is 0.2 sen (half the normal amount), the bid (sell) is 149.999, and the ask (buy) is 150.001. It also shows that the order quantity (currency) is "10,000," and the order type is "market" rather than "limit." It also shows that the maximum transaction is "up to 10,000 currency units," and the swap points are "high."

[0058] Also, the narrow spread new order screen in Figure 7 displays a "Spread Switch" button B1, a "Sell 149.999" button B3, and a "Buy 150.001" button B4. When the "Spread Switch" button B1 is pressed, the narrow spread new order screen switches to a standard spread new order screen (not shown). When the "Sell 149.999" button B3 is pressed, a new sell order is accepted. When the "Buy 150.001" button B4 is pressed, a new buy order is accepted.

[0059] FIG. 8 is a diagram showing a specific example of a service comparison screen among the screens displayed on the customer terminal 20. As shown in Figure 8, the service comparison screen displays information that allows a quick comparison between the "USDJPY standard" trading conditions and the "USDJPY narrow spread" trading conditions. Specifically, the spread, minimum trading unit, maximum trading unit, swap points, and upper limit of open positions are displayed for comparison between the "USDJPY standard" trading conditions and the "USDJPY narrow spread" trading conditions.

[0060] Additionally, the service comparison screen states, "Recommended for beginners!" along with the comment, "Narrow spread services make it easy to make profits with small transactions, and are ideal for long-term holding with high swaps." This will improve customer convenience.

[0061] <Examples of services> A specific example of a service using the information processing system S of FIG. 1 will be described below. The management server 1 has a client server, which is an example of the first trading block 10 of FIG. 1, and an LP server, which is an example of the trading rate acquisition block 11. The client server also provides two FX services for USDJPY: "USDJPY Normal" and "USDJPY Narrow Spread." Here, "USDJPY Narrow Spread" has a narrower spread than "USDJPY Normal," but has stricter restrictions on the maximum trading unit and open positions.

[0062] The LP server receives transaction rates from 10 LPs with low latency, calculates the mid-price (origin transaction rate) in real time, and sends it to the client server. Specifically, the LP server filters out extreme values ​​from the raw transaction rate information received from each LP and calculates a weighted average of the remaining transaction rates, thereby generating a highly reliable mid-price. The client server calculates the buy and sell prices for "USDJPY Regular" by adding and subtracting 0.2 sen from the mid-price, and calculates the buy and sell prices for "USDJPY Narrow Spread" by adding and subtracting 0.1 sen from the buy and sell prices for "USDJPY Regular." As a result, the spread for "USDJPY Regular" is always fixed at 0.4 sen, and the spread for "USDJPY Narrow Spread" is always fixed at 0.2 sen.

[0063] A customer can refer to the USDJPY rate by accessing the FX company's website from the customer terminal 20. In addition, as shown in the normal spread screen of Figure 4 and the narrow spread screen of Figure 5, the customer can instantly switch between the "USDJPY normal" and "USDJPY narrow spread" displays by clicking the "Spread Switch" button B1 on the screen of the customer terminal 20. At this time, the bid (sell) and ask (buy) prices are displayed in the same position on the screen, making the difference immediately clear.

[0064] When a customer places a new order under the "USDJPY narrow spread" condition, the management server 1 processes the order based on the second service transaction rate. As a result, even if the customer is a beginner, for example, the narrow spread allows the customer to easily make a profit by settling the order when the exchange rate moves in a profitable direction. Also, even if the exchange rate moves in a loss-making direction, the large swap points allow the customer to make a profit and settle the order in a relatively short period of time.

[0065] Management server 1 utilizes mary trading for customer transactions. For example, if customer A places a buy order for 10,000 units and customer B places a sell order for 8,000 units at a certain point in time, management server 1 offsets the two orders internally and performs a cover transaction with LP for only the difference of 2,000 units. By utilizing this mary trading, the volume of external transactions decreases, thereby reducing transaction costs. Furthermore, management server 1 optimizes the timing of cover transactions. It selects times when the market is highly liquid and LP spreads are narrow to execute cover transactions. This allows it to provide customers with spreads narrower than those offered by LPs while ensuring profitability.

[0066] Furthermore, the management server 1 manages both "USDJPY Standard" and "USDJPY Narrow Spread" transactions in the same trading account. This allows customers to use both services with a single account, eliminating the need to transfer funds. The calculation of margin maintenance rates is also integrated, allowing customers to easily manage their overall risk.

[0067] <Modification> [Variation 1] In the first modification, the first service transaction rate and the second service transaction rate are calculated separately from the calculation source transaction rate. That is, the transaction rate calculation block 12 (see FIG. 1) calculates the first service transaction rate and the second service transaction rate in parallel based on the calculation source transaction rate acquired from the transaction rate acquisition block 11.

[0068] In the configuration of the first modification, the transaction rate calculation block 12 applies different calculation logic to the calculation source transaction rates to independently generate each service transaction rate. For example, for the first service transaction rate, the selling price and buying price are calculated by adding or subtracting a predetermined spread to or from the midpoint of the calculation source transaction rate. On the other hand, for the second service transaction rate, the selling price and buying price are calculated by adding or subtracting a spread that is narrower than that of the first service transaction rate to or from the midpoint of the calculation source transaction rate.

[0069] The advantage of Variation 1 is that the calculation logic for each service transaction rate can be managed independently. This allows for flexible changes to the calculation method for one service transaction rate in response to changes in the market environment or customer needs, without affecting the other service transaction rates. It also makes it easy to apply different calculation algorithms to each service transaction rate. For example, it is possible to implement a system in which a fixed spread method is used for the first service transaction rate and a floating spread method is used for the second service transaction rate.

[0070] [Variation 2] In the second modification, the first service transaction rate and the second service transaction rate are calculated individually from the transaction rate source information. In the configuration of the second modification, the transaction rate calculation block 12 directly references the transaction rate source information acquired from the second counterparty 3 by the transaction rate acquisition block 11, and calculates each service transaction rate.

[0071] Specifically, the transaction rate calculation block 12 analyzes transaction rate raw information provided by multiple LPs and applies a calculation method appropriate for each service transaction rate. For example, the first service transaction rate may be calculated using the average transaction rate of all LPs, and the second service transaction rate may be calculated using the information of the LP offering the most favorable transaction rate.

[0072] The advantage of Variation 2 is that it eliminates the need to calculate the calculation source transaction rate. It also allows for a different combination of LPs to be used for each service transaction rate. For example, a first service transaction rate could reference the rates of all major LPs, while a second service transaction rate could reference only the rates of a specific high-quality LP. Furthermore, even during periods of low market liquidity, stable service can be provided by selecting the optimal transaction rate from multiple sources.

[0073] [Variation 3] In the third modification, the management server 1 conducts transactions at the first service transaction rate and transactions at the second service transaction rate based on the same transaction account opened by the first counterparty 2. This configuration enables the first counterparty 2 to settle positions established at the first service transaction rate and apply the funds to transactions at the second service transaction rate.

[0074] Specifically, the management server 1 manages transactions of both services in an integrated manner within the same trading account. After a customer has traded at the first service trading rate, if a change in the market environment makes it more advantageous to trade at the second service trading rate, the customer can close the existing position and immediately start a new transaction at the second service trading rate within the same account.

[0075] In addition, when the first counterparty 2 freely switches between transactions at the first service transaction rate and transactions at the second service transaction rate using a switch button on the transaction screen, the processing man-hours on the management server 1 side can be simplified. Furthermore, transactions at the first service transaction rate and transactions at the second service transaction rate can be registered as separate financial products on the management server 1, which can significantly simplify the processing man-hours on the system side.

[0076] When services are provided through the same trading account, there is a risk that the accumulation of unrealized losses arising from transactions at one service rate will result in a loss cut, including transactions at the other service rate. However, it is believed that the increased convenience for customers by using the same trading account outweighs such disadvantages.

[0077] [Other variations] The management server 1 may be configured to provide three or more service transaction rates, such as a third service transaction rate and a fourth service transaction rate. The first and second service trading rates may have different trading hours, for example, the second service trading rate may be offered only during times when market liquidity is high. Furthermore, the transaction rate calculation block 12 may have a function of dynamically adjusting the spread between the first service transaction rate and the second service transaction rate in accordance with market volatility. Furthermore, the number of second counterparties 3 is not limited to 10. The number of second counterparties 3 may be any number between 5 and 20, for example. Furthermore, the management server 1 may use a machine learning algorithm to dynamically evaluate the reliability of each LP and reflect this in the calculation of the calculation source transaction rate. Furthermore, the management server 1 may have a function of automatically presenting a recommended service transaction rate based on the transaction history and transaction patterns of the first counterparty 2. Furthermore, the management server 1 may have a function of automatically transferring positions between the first service transaction rate and the second service transaction rate. Furthermore, the management server 1 may have a function of simultaneously placing cover trading orders to multiple LPs and selecting the most advantageous contract conditions. Furthermore, the transaction rate underlying information may include information on the tradable quantity at each price in addition to the selling price and buying price. The management server 1 may also provide the first counterparty 2 with a function for displaying a comparison of past trends of the first service transaction rate and the second service transaction rate.

[0078] <Comparative Example> In traditional financial instruments trading systems, FX companies only offer the same trading conditions for USD / JPY. The spread is fixed at 0.5 sen, and all customers are provided with the same trading conditions. Therefore, even if the yen weakens after a new buy order, it takes time to reach the break-even point due to the large spread. Furthermore, if the yen gradually strengthens, swap points alone are not enough to cover the loss, resulting in a large loss. In response, some customers are short-term investors seeking tighter spreads, while others prefer long-term trading environments. However, traditional financial instruments trading systems offer only uniform services, making it impossible to meet diverse customer needs. As a result, customers seeking tighter spreads are driven to other companies' services, resulting in lost trading opportunities.

[0079] <Advantageous Effects of the Present Embodiment> This embodiment makes it possible to respond to diversifying customer needs. For example, it is possible to provide multiple types of trading services with different trading conditions for the same currency pair. Specifically, it is possible to provide trading services for the same currency pair with different minimum trading price, maximum trading unit, upper limit of open position, spread, and swap point. In other words, while services have traditionally been provided with uniform trading conditions for the same financial product, this embodiment makes it possible to provide multiple types of trading services for the same financial product. This allows customers to easily select between standard spread trading and narrow spread trading depending on their trading style and needs. Furthermore, as shown in Figures 4 and 5, switching between trading screens is easy, allowing customers to immediately understand the differences in trading conditions. As a result, it is possible to improve customer satisfaction and expand trading opportunities.

[0080] <Other> Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and modifications, improvements, etc. within the scope of achieving the object of the present invention are considered to be included in the present invention.

[0081] For example, the overall configuration of the information processing system S shown in Fig. 1 and the hardware configuration of the management server 1 shown in Fig. 2 are merely examples for achieving the object of the present invention and are not particularly limited. Furthermore, the functional configuration of the management server 1 shown in Fig. 3 is also merely an example and is not particularly limited. In other words, it is sufficient that the information processing system S in Fig. 1 is provided with the function to execute the various processes described above as a whole, and the functional configuration using the functional blocks and databases to realize this function is not particularly limited to the example in Fig. 3.

[0082] Furthermore, the locations of the functional blocks and databases are not limited to those shown in FIG. 3 and may be arbitrary. For example, at least a portion of the functional blocks and databases located on the management server 1 side may be transferred to the first counterparty 2 side, the second counterparty 3 side, or another information processing device (not shown). Specifically, in terms of hardware configuration, the management server 1 in this embodiment may be configured as a single server as a whole, or the first trading block 10 and the trading rate acquisition block 11 may be configured as separate servers. Furthermore, a group of servers for trading at the first service trading rate and a group of servers for trading at the second service trading rate may be configured as separate systems. Furthermore, the trading rate calculation block 12 may be located on the same server as the first trading block 10.

[0083] The above-described series of processes can be executed by hardware or software. Furthermore, one functional block may be configured as a single piece of hardware, a single piece of software, or a combination thereof.

[0084] When a series of processes is executed by software, the programs that make up the software are installed into a computer or the like from a network or a recording medium. The computer may be a computer built on dedicated hardware. The computer may also be a computer capable of executing various functions by installing various programs, such as a server, a general-purpose smartphone, or a personal computer.

[0085] The recording medium containing such a program may be composed not only of a removable medium (not shown) that is distributed separately from the device main body in order to provide the program to the user, but also of a recording medium that is provided to the user in a state that is pre-installed in the device main body.

[0086] In this specification, the steps describing the program to be recorded on the recording medium include not only processes that are performed in chronological order, but also processes that are not necessarily performed in chronological order but are performed in parallel or individually.

[0087] To sum up, an information processing system to which the present invention is applied is sufficient as long as it has the following configuration, and various embodiments can be adopted. That is, an information processing system to which the present invention is applied (for example, the information processing system S in FIG. 3) is [1] An information processing system having a first trading block (e.g., the first trading block 10 of FIG. 3) that executes a first transaction of a financial instrument based on instructions from a computer program, The first trading block has a first trading means (e.g., the first trading unit 100 in FIG. 3) for conducting the first transaction with a first counterparty (e.g., the first counterparty 2 in FIG. 1), the first trading means provides the first counterparty with a plurality of types of transactions for the same financial product, including a transaction at a first service transaction rate having a pair of a first selling price and a first buying price and changing from time to time, and a transaction at a second service transaction rate having a pair of a second selling price and a second buying price and changing from time to time; The first selling price and the second selling price are the prices at which the first counterparty sells the financial product, and the first buying price and the second buying price are the prices at which the first counterparty buys the financial product. It is an information processing system. This allows us to meet diverse customer needs by offering multiple types of trading conditions for the same financial product.

[0088] [2] A transaction rate acquisition block that successively acquires transaction rates of the financial products based on instructions from the computer program; a transaction rate calculation block that sequentially calculates the transaction rates based on instructions from the computer program; and The transaction rate calculation block can sequentially calculate the first selling price and the first buying price of the first service transaction rate and the second selling price and the second buying price of the second service transaction rate based on the calculation source transaction rates sequentially acquired from the transaction rate acquisition block. This allows us to provide our customers with reliable trading rates that reflect market trends.

[0089] [3] The first trading block is connected to the first counterparty via a first communication line path (e.g., the first communication line path 21 in FIG. 1) and provides the first counterparty with online trading services for the financial product; The transaction rate acquisition block is connected to a second counterparty (e.g., second counterparty 3 in Figure 1) via a second communication line path (e.g., second communication line path 31 in Figure 1) and can acquire transaction rate source information for calculating the calculation source transaction rate from the second counterparty online. This allows customer services and market information acquisition to be carried out via independent communication paths, making it possible to provide stable services.

[0090] [4] The transaction rate acquisition block further includes a calculation source transaction rate calculation means (e.g., the calculation source transaction rate calculation unit 110 in FIG. 3) that successively calculates the calculation source transaction rates based on instructions from the computer program; The calculation source transaction rate calculation means can successively calculate the calculation source transaction rates based on the transaction rate source information successively provided by the second counterparty. This allows for the generation of trading rates that reflect market conditions in real time.

[0091] [5] The transaction rate acquisition block may further include a second transaction means (e.g., the second transaction unit 121 in FIG. 3) for conducting a second transaction of the financial product with the second counterparty. This allows appropriate risk hedging for customer transactions.

[0092] [6] Furthermore, the second selling price can be greater than the first selling price, and the second buying price can be smaller than the first buying price. This allows for a narrow spread on the second service trading rate.

[0093] [7] Furthermore, the transaction rate underlying information has a pair of a third selling price and a third buying price, the third selling price being the price at which the financial product is sold to the second counterparty, and the third buying price being the price at which the financial product is bought from the second counterparty; The value obtained by subtracting the third selling price from the third buying price may be greater than the value obtained by subtracting the second selling price from the second buying price. This allows them to offer clients tighter spreads than LPs while still maintaining profitability.

[0094] [8] Furthermore, there may be a plurality of second counterparties, and the transaction rate acquisition block may acquire the transaction rate underlying information provided successively by each of the second counterparties. This allows information to be obtained from multiple sources, improving stability and reliability.

[0095] [9] Furthermore, the calculation source transaction rate calculation means can successively calculate the calculation source transaction rates based on the transaction rate source information provided successively by each of the second counterparties. This allows information from multiple LPs to be integrated to accurately reflect market trends.

[0096]

[10] Furthermore, the latency of the second communication line path may be smaller than the latency of the first communication line path. This allows us to quickly capture market fluctuations and provide our customers with the latest trading rates.

[0097]

[11] Furthermore, the transaction at the first service transaction rate and the transaction at the second service transaction rate can be conducted based on the same transaction account opened by the first counterparty. This allows customers to use multiple services with one account, improving the convenience of managing their funds.

[0098] [Appendix 1] The first trading means can switch between displaying the first service transaction rate and the second service transaction rate in response to an operation from the first counterparty. This allows customers to immediately understand the differences in terms and conditions and select the appropriate service.

[0099] [Appendix 2] The spread of the first service transaction rate may be a fixed value, and the spread of the second service transaction rate may be a fixed value narrower than the spread of the first service transaction rate. This allows customers to understand trading costs in advance, making it easier to develop trading strategies.

[0100] [Appendix 3] The transaction rate calculation block can calculate the first service transaction rate from the calculation source transaction rate, and can calculate the second service transaction rate from the calculated first service transaction rate. This allows multiple trading rates to be calculated quickly while reducing system load.

[0101] [Appendix 4] The transaction rate calculation block can be located within the first transaction block. This allows for efficient calculation of transaction rates and provision to customers.

[0102] [Appendix 5] The first trading block may be a customer system, and the trading rate acquisition block may be a LP system. This allows the roles of each system to be clearly separated, improving the maintainability and scalability of the system.

[0103] [Appendix 6] The calculation source transaction rate calculation means can exclude extreme values ​​from the plurality of transaction rate source information and calculate the calculation source transaction rate based on the remaining transaction rate source information. This eliminates the impact of outliers and provides more stable trading rates.

[0104] [Appendix 7] The second trading means can offset the position created by the transaction of the first counterparty by a mary transaction, and can perform a cover transaction for the portion that could not be offset. This allows for appropriate risk management while reducing transaction costs.

[0105] [Appendix 8] The second trading means can conduct the mary trading based on a transaction at the first service trading rate and a transaction at the second service trading rate. This allows for more efficient risk management by offsetting positions across multiple services.

[0106] [Appendix 9] The spread of the second service transaction rate may be equal to or less than half the spread of the first service transaction rate. This allows us to offer significantly reduced transaction costs to our clients.

[0107] [Appendix 10] The second service transaction rate may have a greater number of decimal places than the first service transaction rate. This allows for more precise pricing and tighter spreads.

[0108] [Appendix 11] The number of the second counterparties may be 5 or more and 20 or less. This allows for an appropriate number of LPs to be utilized, optimizing the balance between liquidity and processing efficiency.

[0109] [Appendix 12] The calculation source transaction rate calculation means can weight the transaction rate raw information provided by each of the second counterparties based on past distribution history or contract history, and calculate the calculation source transaction rate by a weighted average. This allows for more accurate trading rates to be generated that take into account the reliability of each LP.

[0110] [Appendix 13] The second communication line path may be a dedicated line or a high-speed internet line. This enables us to provide high-quality trading services with low latency and stable communication.

[0111] [Appendix 14] The transaction rate calculation block has an account management means (e.g., the account management unit 122 in FIG. 3) that manages the same transaction account, The account management means can manage positions arising from transactions at the first service transaction rate and positions arising from transactions at the second service transaction rate in an integrated manner. This allows you to centrally manage positions across multiple services, making risk management easier.

[0112] [Appendix 15] The account management means can apply a common margin to transactions at the first service transaction rate and transactions at the second service transaction rate, and perform integrated calculations of margin maintenance rates. This will increase trading opportunities for customers through efficient use of margin.

[0113] [Appendix 16] A transaction at the second service transaction rate may have a higher upper limit on the maximum transaction unit or open position than a transaction at the first service transaction rate. This allows for appropriate risk management in narrow spread services.

[0114] [Appendix 17] The financial product may be a currency pair in foreign exchange margin trading. This allows us to offer a variety of trading conditions in FX.

[0115] [Appendix 18] The first counterparty has a customer terminal (for example, the customer terminal 20 in FIG. 1), which may be a smartphone, a tablet, or a personal computer. This allows customers to access trading services from a variety of devices.

[0116] [Appendix 19] In addition to the first service transaction rate and the second service transaction rate, additional service transaction rates, such as a third service transaction rate or higher, may be offered. This will enable us to meet a wider range of customer needs.

[0117] [Appendix 20] The hardware configuration can be a single server or a distributed system of multiple servers. This allows for flexible selection of hardware configuration depending on the system scale.

[0118] [Appendix 21] A server group for transactions at the first service transaction rate and a server group for transactions at the second service transaction rate may be provided as separate systems. This allows high availability to be achieved while maintaining the independence of each service.

[0119] [Appendix 22] The past trends of the first service transaction rate and the second service transaction rate can be displayed for comparison to the first counterparty. This may have the effect of allowing customers to understand the characteristics of each service and make appropriate transaction decisions.

[0120] Furthermore, the information processing method to which the present invention is applied is sufficient as long as it has the following configuration, and can take on a variety of different embodiments. That is, the information processing method to which the present invention is applied is:

[12] An information processing method executed by an information processing system having a first trading block that executes a first transaction of a financial product based on instructions from a computer program, comprising: a step in which a first trading means included in the first trading block provides a first counterparty with a plurality of types of transactions for the same financial product, including a transaction at a first service transaction rate having a pair of a first selling price and a first buying price and changing from time to time, and a transaction at a second service transaction rate having a pair of a second selling price and a second buying price and changing from time to time; The first selling price and the second selling price are the prices at which the first counterparty sells the financial product, and the first buying price and the second buying price are the prices at which the first counterparty buys the financial product. It is an information processing method. This allows us to meet diverse customer needs by offering multiple types of trading conditions for the same financial product.

[0121] [Appendix 23] The transaction rate acquisition block acquires transaction rate source information from a second counterparty; calculating a calculation source transaction rate based on the transaction rate source information; calculating the first service transaction rate and the second service transaction rate based on the calculation source transaction rate; It may further include: This allows for efficient generation of trading rates for customers from market information.

[0122] [Appendix 24] The method can further include a step in which the second trading means performs offset processing by a mary transaction against the position resulting from the transaction of the first counterparty, and performs a cover transaction for the portion that could not be offset. This allows for an efficient risk management method.

[0123] [Appendix 25] The method may further include a step in which an account management means manages transactions at the first service transaction rate and transactions at the second service transaction rate based on the same transaction account opened by the first counterparty. This enables integrated account management for multiple services.

[0124] Furthermore, the program to which the present invention is applied is sufficient as long as it has the following configuration, and can take on a variety of different embodiments. That is, the program to which the present invention is applied is

[13] An information processing system having a first trading block that executes a first transaction of a financial product based on instructions from a computer program, A program that causes a first trading means of the first trading block to execute a process of providing a first counterparty with a plurality of types of transactions, including a transaction with a first selling price and a first buying price pair at a first service transaction rate that changes from time to time, and a transaction with a second selling price and a second buying price pair at a second service transaction rate that changes from time to time, for the same financial product; The first selling price and the second selling price are the prices at which the first counterparty sells the financial product, and the first buying price and the second buying price are the prices at which the first counterparty buys the financial product. It is a program. This allows us to meet diverse customer needs by offering multiple types of trading conditions for the same financial product.

[0125] [Appendix 25] obtaining transaction rate underlying information from a second counterparty; A process of calculating a calculation source transaction rate based on the transaction rate source information; calculating the first service transaction rate and the second service transaction rate based on the calculation source transaction rate; can be further executed. This allows the program to generate trading rates for customers from market information. [Explanation of symbols]

[0126] REFERENCE SIGNS LIST 1 Management server, 2 First counterparty, 3 Second counterparty, 10 First trading block, 11 Trading rate acquisition block, 12 Trading rate calculation block, 20 Customer terminal, 21 First communication line path, 30 Financial institution device, 31 Second communication line path, 41 CPU, 48 Memory unit, 49 Communication unit, 100 First trading unit, 110 Source trading rate calculation unit, 121 Second trading unit, 122 Account management unit, 481 Customer DB, 482 Trading DB, B1, B2, B3, B4, B5, B6 Button, N Network, S Information processing system

Claims

1. A transaction rate acquisition block that successively acquires transaction rate information of financial products as transaction rate source information based on instructions from a computer program; a transaction rate calculation block that sequentially calculates a service transaction rate for a service of a first transaction with a first counterparty using the transaction rate source information based on instructions from the computer program; a first trading block that, based on instructions from the computer program, conducts the first transaction of the financial instrument with the first counterparty connected via a first communication line path using the service transaction rate; An information processing system having: The transaction rate acquisition block: a second communication line path connected to a second counterparty, and acquiring the transaction rate source information for calculating the calculation source transaction rate from the second counterparty online; a calculation source transaction rate calculation means for successively calculating the calculation source transaction rates using the transaction rate source information successively provided by the second counterparty based on instructions from the computer program; The transaction rate calculation block The prices at which the first counterparty sells the financial product are the first selling price and the second selling price, and the prices at which the first counterparty buys the financial product are the first buying price and the second buying price, calculating, as the service transaction rates, the first selling price and the first buying price of a first service transaction rate which has a pair of a first selling price and a first buying price and which changes successively, and the second selling price and the second buying price of a second service transaction rate which has a pair of a second selling price and a second buying price and which changes successively, for the same financial product, based on the calculation source transaction rates which are successively acquired from the transaction rate acquisition block; The first trading block comprises: providing the first counterparty with an online trading service for the financial product; a first transaction means for conducting the first transaction with the first counterparty; The first trading means is providing a plurality of types of transactions to the first counterparty, including a transaction at the first service transaction rate and a transaction at the second service transaction rate, based on the service transaction rate calculated by the transaction rate calculation block; The transaction rate calculation block further comprising a second trading means for conducting a second transaction of the financial product with the second counterparty; The transaction rate calculation block the second selling price is greater than the first selling price, and the second buying price is less than the first buying price; and the first service transaction rate and the second service transaction rate are calculated successively. Information processing system.

2. A transaction rate acquisition block that successively acquires transaction rate information of financial products as transaction rate source information based on instructions from a computer program; a transaction rate calculation block that sequentially calculates a service transaction rate for a service of a first transaction with a first counterparty using the transaction rate source information based on instructions from the computer program; a first trading block that, based on instructions from the computer program, conducts the first transaction of the financial instrument with the first counterparty connected via a first communication line path using the service transaction rate; An information processing system having: The transaction rate acquisition block: a second communication line path connected to a second counterparty, and acquiring the transaction rate source information for calculating the calculation source transaction rate from the second counterparty online; a calculation source transaction rate calculation means for successively calculating the calculation source transaction rates using the transaction rate source information successively provided by the second counterparty based on instructions from the computer program; The transaction rate calculation block The prices at which the first counterparty sells the financial product are the first selling price and the second selling price, and the prices at which the first counterparty buys the financial product are the first buying price and the second buying price, calculating, as the service transaction rates, the first selling price and the first buying price of a first service transaction rate which has a pair of a first selling price and a first buying price and which changes successively, and the second selling price and the second buying price of a second service transaction rate which has a pair of a second selling price and a second buying price and which changes successively, for the same financial product, based on the calculation source transaction rates which are successively acquired from the transaction rate acquisition block; The first trading block comprises: providing the first counterparty with an online trading service for the financial product; a first transaction means for conducting the first transaction with the first counterparty; The first trading means is providing a plurality of types of transactions to the first counterparty, including a transaction at the first service transaction rate and a transaction at the second service transaction rate, based on the service transaction rate calculated by the transaction rate calculation block; The transaction rate calculation block further comprising a second trading means for conducting a second transaction of the financial product with the second counterparty; the transaction rate underlying information has a pair of a third selling price and a third buying price, the third selling price being the price at which the financial product is sold to the second counterparty, and the third buying price being the price at which the financial product is bought from the second counterparty; The transaction rate calculation block successively calculating the second service transaction rates such that the value obtained by subtracting the third selling price from the third buying price is greater than the value obtained by subtracting the second selling price from the second buying price; Information processing system.

3. the second counterparty is a plurality of counterparties, and the transaction rate acquisition block acquires the transaction rate underlying information provided successively from each of the second counterparties; 3. The information processing system according to claim 1 or 2.

4. the calculation source transaction rate calculation means successively calculates the calculation source transaction rate based on the transaction rate source information successively provided by each of the second counterparties; The information processing system according to claim 3 .

5. The latency of the second communication line path is smaller than the latency of the first communication line path.

3. The information processing system according to claim 1 or 2.

6. conducting a transaction at the first service transaction rate and a transaction at the second service transaction rate based on the same transaction account opened by the first counterparty; 3. The information processing system according to claim 1 or 2.

7. A transaction rate acquisition block that successively acquires transaction rate information of financial products as transaction rate source information; a transaction rate calculation block for sequentially calculating a service transaction rate for a service of a first transaction with a first counterparty using the transaction rate source information; a first trading block that uses the service trading rate to conduct the first transaction of the financial product with the first counterparty connected via a first communication line; An information processing method executed by an information processing system having The transaction rate acquisition block: a second communication line path connected to a second counterparty, and acquiring the transaction rate source information for calculating the calculation source transaction rate from the second counterparty online; Calculating the calculation source transaction rates one after another using the transaction rate source information provided one after another by the second counterparty; The transaction rate calculation block: The prices at which the first counterparty sells the financial product are the first selling price and the second selling price, and the prices at which the first counterparty buys the financial product are the first buying price and the second buying price, calculating, as the service transaction rates, the first selling price and the first buying price of a first service transaction rate which has a pair of a first selling price and a first buying price and which changes successively, and the second selling price and the second buying price of a second service transaction rate which has a pair of a second selling price and a second buying price and which changes successively, for the same financial product, based on the calculation source transaction rates which are successively acquired from the transaction rate acquisition block; The first trading block: providing the first counterparty with an online trading service for the financial product; The first trading block has: a first transaction means for conducting the first transaction with the first counterparty, providing a plurality of types of transactions to the first counterparty, including a transaction at the first service transaction rate and a transaction at the second service transaction rate, based on the service transaction rate calculated by the transaction rate calculation block; The transaction rate calculation block: a second trading means for conducting a second transaction of the financial product with the second counterparty; The transaction rate calculation block the second selling price is greater than the first selling price, and the second buying price is less than the first buying price; and the first service transaction rate and the second service transaction rate are calculated successively. Information processing methods.

8. A transaction rate acquisition block that successively acquires transaction rate information of financial products as transaction rate source information; a transaction rate calculation block for sequentially calculating a service transaction rate for a service of a first transaction with a first counterparty using the transaction rate source information; a first trading block that uses the service trading rate to conduct the first transaction of the financial product with the first counterparty connected via a first communication line; In a computer of an information processing system having The transaction rate acquisition block includes: a second communication line path connected to a second counterparty, and acquiring the transaction rate source information for calculating the calculation source transaction rate from the second counterparty online; Calculating the calculation source transaction rates one after another using the transaction rate source information provided one after another by the second counterparty; The transaction rate calculation block includes: The prices at which the first counterparty sells the financial product are the first selling price and the second selling price, and the prices at which the first counterparty buys the financial product are the first buying price and the second buying price, calculating, for the same financial product based on the calculation source transaction rates successively acquired from the transaction rate acquisition block, the first selling price and the first buying price of a first service transaction rate which has a pair of a first selling price and a first buying price and which changes successively, and the second selling price and the second buying price of a second service transaction rate which has a pair of a second selling price and a second buying price and which changes successively, as the service transaction rates; In the first trading block, allowing the first counterparty to provide online trading services for the financial product; The first trading block has: a first transaction means for conducting the first transaction with the first counterparty, based on the service transaction rate calculated by the transaction rate calculation block, cause the first counterparty to offer a plurality of types of transactions including a transaction at the first service transaction rate and a transaction at the second service transaction rate; The transaction rate calculation block: a second trading means for conducting a second transaction of the financial product with the second counterparty; The transaction rate calculation block includes: the second selling price is greater than the first selling price, and the second buying price is less than the first buying price; and the first service transaction rate and the second service transaction rate are calculated successively. program.

9. A transaction rate acquisition block that successively acquires transaction rate information of financial products as transaction rate source information; a transaction rate calculation block for sequentially calculating a service transaction rate for a service of a first transaction with a first counterparty using the transaction rate source information; a first trading block that uses the service trading rate to conduct the first transaction of the financial product with the first counterparty connected via a first communication line; An information processing method executed by an information processing system having The transaction rate acquisition block: a second communication line path connected to a second counterparty, and acquiring the transaction rate source information for calculating the calculation source transaction rate from the second counterparty online; Calculating the calculation source transaction rates one after another using the transaction rate source information provided one after another by the second counterparty; The transaction rate calculation block: The prices at which the first counterparty sells the financial product are the first selling price and the second selling price, and the prices at which the first counterparty buys the financial product are the first buying price and the second buying price, calculating, as the service transaction rates, the first selling price and the first buying price of a first service transaction rate which has a pair of a first selling price and a first buying price and which changes successively, and the second selling price and the second buying price of a second service transaction rate which has a pair of a second selling price and a second buying price and which changes successively, for the same financial product, based on the calculation source transaction rates which are successively acquired from the transaction rate acquisition block; The first trading block: providing the first counterparty with an online trading service for the financial product; The first trading block has: a first transaction means for conducting the first transaction with the first counterparty, providing a plurality of types of transactions to the first counterparty, including a transaction at the first service transaction rate and a transaction at the second service transaction rate, based on the service transaction rate calculated by the transaction rate calculation block; The transaction rate calculation block: a second trading means for conducting a second transaction of the financial product with the second counterparty; the transaction rate underlying information has a pair of a third selling price and a third buying price, the third selling price being the price at which the financial product is sold to the second counterparty, and the third buying price being the price at which the financial product is bought from the second counterparty; The transaction rate calculation block successively calculating the second service transaction rates such that the value obtained by subtracting the third selling price from the third buying price is greater than the value obtained by subtracting the second selling price from the second buying price; Information processing methods.

10. A transaction rate acquisition block that successively acquires transaction rate information of financial products as transaction rate source information; a transaction rate calculation block for sequentially calculating a service transaction rate for a service of a first transaction with a first counterparty using the transaction rate source information; a first trading block that uses the service trading rate to conduct the first transaction of the financial product with the first counterparty connected via a first communication line; In a computer of an information processing system having The transaction rate acquisition block includes: a second communication line path connected to a second counterparty, and acquiring the transaction rate source information for calculating the calculation source transaction rate from the second counterparty online; Calculating the calculation source transaction rates one after another using the transaction rate source information provided one after another by the second counterparty; The transaction rate calculation block includes: The prices at which the first counterparty sells the financial product are the first selling price and the second selling price, and the prices at which the first counterparty buys the financial product are the first buying price and the second buying price, calculating, for the same financial product based on the calculation source transaction rates successively acquired from the transaction rate acquisition block, the first selling price and the first buying price of a first service transaction rate which has a pair of a first selling price and a first buying price and which changes successively, and the second selling price and the second buying price of a second service transaction rate which has a pair of a second selling price and a second buying price and which changes successively, as the service transaction rates; In the first trading block, allowing the first counterparty to provide online trading services for the financial product; The first trading block has: a first transaction means for conducting the first transaction with the first counterparty, based on the service transaction rate calculated by the transaction rate calculation block, cause the first counterparty to offer a plurality of types of transactions including a transaction at the first service transaction rate and a transaction at the second service transaction rate; The transaction rate calculation block: a second trading means for conducting a second transaction of the financial product with the second counterparty; the transaction rate underlying information has a pair of a third selling price and a third buying price, the third selling price being the price at which the financial product is sold to the second counterparty, and the third buying price being the price at which the financial product is bought from the second counterparty; The transaction rate calculation block includes: the second service transaction rate is calculated in succession, such that the value obtained by subtracting the third selling price from the third buying price is greater than the value obtained by subtracting the second selling price from the second buying price; program.

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