Investment support systems, investment support methods, investment support programs

Abstract

The objective of this invention is to propose a novel technology that encourages the use of securities accounts. [Solution] An investment support system comprising a reference unit, a determination unit, and an instruction output unit, The aforementioned reference unit refers to the user account information, which is the user's securities account. The determination unit determines that the user account has met certain conditions, The aforementioned instruction output unit is an investment support system that, when the aforementioned conditions are met, outputs an instruction to the securities company device to transfer the gifted stocks, which are the stocks to be gifted, from the gifting account, which is a securities account linked to the system, to the user account.

Description

【Technical Field】 【0001】 The present invention relates to a support system, a support method, and a support program for awarding stocks to a user when the user achieves specific conditions such as account opening. 【0002】 In recent years, the spread of services and applications called PFM (Personal Financial Management) has been progressing. PFM is a service for personal asset management by account aggregation that aggregates account information of financial institutions. 【Background Art】 【0003】 For example, Patent Document 1 discloses a technology related to a pseudo-operation type service in which points increase or decrease in conjunction with an index value whose value fluctuates over time. In this technology, it is described that an item (loss reset ticket) that can be used when a loss occurs in pseudo-operation by satisfying conditions set within the service is awarded to the user. 【0004】 In addition, Patent Document 2 discloses a technology for awarding financial products from a securities company to a user. In this technology, account opening of the user and deposit into the account are set as conditions, and when the conditions are achieved, the server managed by the securities company presents a unit financial product of a preset amount to the user. It is described that when an instruction to accept the presentation is made by the user, registration of the above-mentioned unit financial product is performed in the securities account held by the user. 【0005】 In one example, in Japan, "acts of soliciting by promising to provide special benefits" (Article 38, Paragraph 9 of the Financial Instruments and Exchange Act, Article 117, Paragraph 1, Item 3 of the Cabinet Office Ordinance Concerning Financial Instruments Business Operators, etc.) are prohibited by the Financial Instruments and Exchange Act and the Cabinet Office Ordinance Concerning Financial Instruments Business Operators, etc. Therefore, in campaigns for the purpose of solicitation, etc., securities companies need to pay attention to awarding stocks as prizes, and it has been difficult to directly award stocks to users by securities companies. 【Prior Art Documents】 [Patent Documents] 【0006】 [Patent Document 1] Patent No. 7621317 [Patent Document 2] Japanese Patent Publication No. 2015-049699 [Overview of the Initiative] [Problems that the invention aims to solve] 【0007】 In recent years, with the improvement of financial literacy, the number of people considering starting to invest has increased. However, users unfamiliar with financial products hesitate to open a securities account because it seems complicated. It is necessary to encourage such users to open securities accounts. Furthermore, new investors often open securities accounts but are unsure of what to do, resulting in them leaving the accounts inactive. The existence of unused securities accounts after opening creates disadvantages for both the securities company and its users. 【0008】 In light of the current situation described above, the present invention aims to propose a novel technology that encourages the use of securities accounts. [Means for solving the problem] 【0009】 [1] An investment support system comprising a reference unit, a determination unit, and an instruction output unit, wherein the reference unit references information of a user account, which is a securities account of a user; the determination unit determines that the user account has met certain conditions; and the instruction output unit outputs an instruction to a securities company device to transfer gifted stocks, which are the stocks to be gifted, from a gifting account, which is a securities account linked to the system, to the user account, when the conditions have been met. 【0010】 This configuration allows for the receipt of stock gifts via a server device managed by the securities account, thereby encouraging users to utilize their securities accounts. 【0011】 [2] The investment support system according to [1], wherein the determination unit determines that the conditions have been met based on the notification of completion of opening the user account. 【0012】 This configuration allows users to receive stocks at the same time as opening a securities account, thus encouraging them to open a securities account. 【0013】 [3] The investment support system according to [1] or [2], wherein the determination unit determines that the conditions have been met based on any or a combination of the following: that the shares managed in the user account have been held for a specified period of time or longer; that the shares have been held across a specified date by comparing a specific date of the shares with the date of the reference; and that dividends have been received for the shares. 【0014】 This configuration encourages users to utilize their accounts over the long term and to encourage further investment activities through the receipt of rights associated with holding the accounts. 【0015】 [4] The reference unit refers to information relating to the gifted securities managed in the user account, and the determination unit determines whether the conditions relating to the gifted securities have been met, according to any one of [1] to [3]. 【0016】 This configuration prevents the immediate sale of gifted securities and encourages long-term use of the account. 【0017】 [5] The investment support system according to any one of [1] to [4], wherein the determination unit determines whether the conditions have been met based on the notification of opening the user account, the instruction output unit outputs an instruction to the securities company device to transfer the gifted securities from the donor account to the user account if a securities account has been opened based on the determination, the reference unit refers to the asset management status of the newly opened user account, the determination unit determines whether the conditions have been met based on any or a combination of the following: the shares managed in the user account have been held for a specified period of time or longer, the shares have been held across a specific date by comparing a specific date of the shares with the date the reference was made, and dividends have been received for the shares, and the instruction output unit outputs an instruction to the securities company device to transfer the gifted securities from the donor account to the user account if any or a combination of the following conditions have been met based on the determination: the shares have been held for a specified period of time or longer, the shares have been held across a specific date, and dividends have been received for the shares, 【0018】 This configuration encourages the long-term retention of gifted securities received upon account opening, thereby promoting the long-term use of the opened account. 【0019】 [6] An investment support system according to any one of [1] to [5], further comprising a decision unit, the decision unit refers to a list of candidate stocks for gifting which stores multiple types of stocks to be gifted, and determines the gifted stock by lottery from the list of candidate stocks for gifting or by similarity between the list of candidate stocks for gifting and the stocks managed in the user account. 【0020】 This configuration makes it possible to encourage users to utilize their accounts by offering gifts of related stocks to those they currently hold. 【0021】 [7] It further includes an attribute assignment unit and a determination unit. The attribute assignment unit assigns at least one user attribute to the user. The reference unit refers to a list storing a specific user attribute and a stock to be gifted corresponding thereto. The determination unit determines the gifted stock based on the user attribute possessed by the user and the user attributes existing in the list. The investment support system according to any one of [1] to [6]. 【0022】 With such a configuration, it becomes possible to gift stocks according to the user's preferences, and it becomes possible to promote the utilization of the account possessed by the user. 【0023】 [8] It further includes a determination unit. The determination unit refers to a list of candidate stocks for gift storing multiple types of stocks to be gifted, and determines the gifted stock from the list of candidate stocks for gift. The determination unit inputs, for the determination, one or more pieces of information included in the financial profile of a specific user based on a learned model generated by machine learning, and acquires, as the output of the learned model, the gifted stock determined from the list of candidate stocks for gift based on the input information. The learned model is generated by learning data including the financial profiles of the specific user and other users having the same user attributes as the specific user, and the gifted stock. The investment support system according to any one of [1] to [7]. 【0024】 With such a configuration, it becomes possible to determine a gifted stock that matches the user's financial profile, and it becomes possible to promote the utilization of the account possessed by the user. 【Effect of the Invention】 【0025】 According to the present invention, it is possible to provide a novel technology that can promote the user's transactions by granting stocks and promote the utilization of the account. 【Brief Description of the Drawings】 【0026】 [Figure 1] Procedure for stock transfer in this embodiment. [Figure 2] Functional configuration diagram in this embodiment. [Figure 3] Hardware configuration diagram in this embodiment. [Figure 4] An example of the screen display for presenting conditions to the user, notifying the user of the fulfillment of the conditions, and drawing for the prize stock in this embodiment. [Figure 5] An example of a list of candidate brands for gifting in this embodiment. [Figure 6] A sequence diagram showing the process from fulfilling the conditions for opening an account to the gifting of shares in this embodiment. [Figure 7] A sequence diagram showing the process from fulfilling the holding period conditions to the gifting of shares in this embodiment. [Figure 8] A flowchart in this embodiment. [Modes for carrying out the invention] 【0027】 This embodiment relates to a technology for supporting investment. In particular, it relates to a technology for encouraging users to invest through the gifting of shares by determining whether a user has met certain conditions and outputting an instruction to a server device managed by a securities company to gift shares to that user. 【0028】 In this invention, "user" refers to a user of the present invention who buys and sells stocks through a securities company. Users may include not only individuals who invest but also organizations such as companies and clubs. This embodiment describes individuals who buy and sell stocks. 【0029】 In this invention, an account is used to manage assets for each user. In this embodiment, a securities account for managing stocks is mainly described. This account may also include bank accounts, foreign exchange accounts, etc. 【0030】 In this invention, a user account refers to a securities account opened by a user. 【0031】 In this invention, the donating account refers to the securities account of the person or organization that donates the donated securities. The person or organization that holds the donated securities may be the same as the person or organization that maintains and manages the system for implementing this invention. 【0032】 In this invention, the "gifted stocks" refer to the stocks selected from candidates and the stocks previously transferred from the gifting account, which are managed in the gifting account. In this embodiment, the gifted stocks are selected from among a plurality of gifting candidate stocks (gifting candidate stocks), and instructions are given to transfer them from the gifting account to the user account. 【0033】 In this invention, the securities company equipment refers to a server device operated and managed by a securities company that mediates the buying and selling of stocks. In this embodiment, the securities company equipment refers to a server device that manages information related to assets such as stocks held in securities accounts, and the transfer of assets between securities accounts. In other embodiments, the securities company equipment may be one or more server devices that manage the buying and selling and transfer of financial products other than stocks, in addition to or instead of buying and selling stocks. 【0034】 <1. Procedure for gifting stocks> Further details will be described below with reference to the attached drawings. While preferred embodiments are shown in the drawings, many different forms are possible and the embodiments are not limited to those described herein. 【0035】 For example, in this embodiment, the configuration and operation of the investment support system will be described, but similar effects can be achieved by devices having similar functions, methods performed by such devices, or computer programs that cause a computer device to execute the methods. The program may be provided as a non-transient recording medium readable by a computer, or it may be provided so that it can be downloaded from an external server. 【0036】 In the following embodiments, "part" may include, for example, hardware resources implemented by a circuit in a broad sense, and information processing of software that can be specifically realized by these hardware resources. In this embodiment, "information" can be represented, for example, by the physical value of a signal value representing voltage or current, the high or low value of a signal value as a set of binary bits composed of 0s or 1s, or by a quantum superposition (so-called qubit), and communication and calculations can be performed on a circuit in a broad sense. 【0037】 In a broad sense, a circuit is a set of circuits (Circuitry) that are realized by appropriately combining circuits, processors, and memory. For example, it includes circuits that include any of the following: CPU (Central Processing Unit), GPU (Graphics Processing Unit), LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), etc. 【0038】 First, we will explain the procedure from determining whether the conditions have been met using the investment support system to transferring the gifted securities. Figure 1 is an overview diagram showing the process from fulfilling the conditions for opening a securities account to the transfer of gifted securities. In this embodiment, a securities company device, which is owned by the securities company and holds information on the buying and selling of stocks and each user's securities account, and an investment support system that determines whether the user has fulfilled the conditions and decides which securities to gift, work together to transfer shares from the gifting account to the user account held by the user of the investment support system. 【0039】 The process from the user fulfilling the conditions to the completion of the transfer of the gifted securities proceeds as follows. For example, in this paragraph, the condition is "opening a securities account." Other conditions may include holding the securities for a specified period or purchasing a designated securities. The conditions and their respective determination procedures will be described later. (1) Users open securities accounts (user accounts) through the securities company's equipment. (2) The investment support system refers to the account opening completion notice from the securities company's equipment and stores that information. The account opening completion notice includes two types: one sent from the securities company's equipment to the investment support system and one from the user stating that the account opening has been completed. (3) Based on the information stored through the aforementioned reference, it is determined whether the user has opened an account and whether the conditions associated with that user have been met. (4) If the conditions are determined to have been met by the above determination, the investment support system will output an instruction to the securities company device to transfer the pre-determined gift securities. (5) The securities company device performs the process of transferring the gifted securities, which are managed in the donor account linked to the investment support system, to the user account in accordance with the instructions in (4). 【0040】 <2. System Configuration> Figure 2 is a block diagram showing the configuration of a system according to one embodiment. As shown in Figure 2, the investment support system 1 comprises a support device 2, a user terminal 3, and a securities company device 4, which are configured to communicate with each other via a network NW. Although only one user terminal 3 is shown in Figure 2, there may be multiple user terminals 3. 【0041】 Furthermore, this embodiment describes a configuration in which the support device 2 and the user terminal 3 are connected by a network NW. 【0042】 In this embodiment, the user program for the investment support system 1 is a browser application downloaded in advance to the user terminal 3, but it may also be a client application downloaded from a program provisioning device (not shown). 【0043】 The support device 2 determines whether a specific user has met pre-set conditions, and if the conditions are met, it outputs an instruction to the securities company device 4 to transfer the gifted securities from the donor account 17 to the user account 18. 【0044】 The reference unit 10 accesses the account information of the user account 18 via the securities company device 4 and stores the information in the database 16. In this embodiment, the reference unit 10 accesses the account information of the user account 18 from the securities company device 4 via a Web API (Application Programming Interface). The reference unit 10 does not reside inside the support device 2, but may be configured to operate inside the user terminal 3 through an application (hereinafter referred to as the "usage application") that enables the use of the investment support system 1 installed on the user terminal 3. The reference unit 10 has a PFM (Personal Financial Management) function and can access user account information, including securities accounts and bank accounts, via the user terminal 3 or application. The reference unit 10 may also be configured to access information such as the mailing information of dividend receipts from issuing companies and financial institutions. 【0045】 The determination unit 11 determines whether the user has met predetermined conditions based on the account information referenced by the reference unit 10. 【0046】 The decision unit 12 determines the gifted stock. In this embodiment, the decision unit 12 determines the gifted stock when the determination unit 11 determines that the conditions have been met. However, the decision unit 12 may be configured to pre-determine the gifted stock before the conditions are met. The method for determining the gifted stock will be described later. 【0047】 The screen output unit 13 outputs the lottery animation for the gifted stocks and the information displayed to the user to the screen of the user terminal 3. 【0048】 The instruction output unit 14 outputs an instruction to the securities company device 4 to transfer the gifted stocks from the donor account 17 to the user account 18 when the decision unit 12 has determined the gifted stocks. The instruction output unit 14 obtains the information necessary for transferring the stocks related to the donor account 17 via WebAPI and outputs an instruction to transfer the gifted stocks in combination with the information necessary for transferring the stocks related to the user account 18 stored in the database 16. In addition, the system may be configured to output an instruction to transfer the gifted stocks to the securities company device 4 when the determination unit 11 determines that the conditions have been met, or to output an instruction to transfer the gifted stocks to the securities company device 4 at a predetermined time when the gifted stocks have been determined or the conditions have been met. 【0049】 The attribute assignment unit 15 assigns at least one user attribute to the user. User attributes refer to the user's age, gender, occupation, place of residence, hobbies, investment tendencies, etc. User attributes are determined and assigned based on past transaction history and stock holding tendencies stored in the database 16. Alternatively, the system may be configured to determine and assign user attributes based on information such as the user's age and gender collected through a prior questionnaire. 【0050】 Investment tendencies refer to the way a user trades and the types of stocks they prefer to buy. Specifically, users who buy and sell quickly are assigned user attributes such as "immediate sell," users who have a bias in their stock purchases are assigned attributes such as "prefer stocks in industry W," and users who hold small amounts of many different stocks are assigned attributes such as "multiple types in small quantities." 【0051】 The database 16 stores the aforementioned user attributes, information relating to the user terminal 3 used by the user, information relating to the donor account 17 and user account 18, the user stock list which is a list of stocks managed in user account 18 at the time the reference unit 10 referenced user account 18, the types of user attributes assigned by the attribute assignment unit 15, the gift candidate stock list which is a list of stocks to be gifted, the condition achievement list which shows the status of fulfilling conditions for a specific user, a list of earnings announcement dates and ex-dividend dates, and the past transaction history of users referenced by the reference unit 10. In this embodiment, the database 16 is configured to reside inside the support device 2, but it may also be configured to reside externally and be connected to the support device 2 via a network NW. 【0052】 User terminal 3 is a computer device such as a smartphone or tablet that has the user application installed and is used by the user. The user connects to the securities company device 4 via user terminal 3 and the network NW to open a user account 18, trade stocks under their management, receive dividends, etc. In the user application, a reference unit 10 operates inside the user terminal, and the reference unit 10 can connect to other accounts other than securities accounts, such as bank accounts (not shown), via user terminal 3, and the reference unit 10 can refer to deposit and withdrawal information of said bank accounts. In this embodiment, a configuration in which the investment support system 1 is used using a user application installed on user terminal 3 is described, but a configuration in which the user uses the investment support system 1 using a web application instead of a user application is also possible. In that case, the reference unit 10 resides in the support device 2 and refers to the user account 18 information and the user's bank account information stored in user terminal 3 via the network NW. 【0053】 The securities company device 4 handles transactions of financial products such as stocks, stock transfers, and the opening and management of accounts by users and other users. The securities company device 4 outputs various notifications to the support device 2 when account opening is completed or when instructed by the reference unit 10. The securities company device 4 also receives input from the support device 2, including reference instructions from the reference unit 10 and transfer instructions from the instruction output unit 14. 【0054】 <3. Hardware Configuration> Next, the hardware configuration of the investment support system 1 in this embodiment will be described using Figure 3. As the user terminal 3, a terminal device 200 (computer device) such as a personal computer, smartphone, or tablet terminal can be used. In this embodiment, the support device 2 is an information processing device 20 on which a computer program (investment support program) that executes the investment support method is installed. In addition, one or more information processing devices 20 (computer devices) such as a general-purpose server or personal computer can be used as the support device 2 and the securities company device 4. 【0055】 Figure 3(a) is a hardware configuration diagram of the information processing device 20. As shown in Figure 3(a), the information processing device 20 has a communication unit 21, a control unit 22, and a storage unit 23, which are used to perform the functions of each unit and each process. 【0056】 The control unit 22 has a processor such as a CPU capable of executing instruction sets and runs the OS and programs. The storage unit 23 has volatile memory such as RAM capable of storing instruction sets, and non-volatile recording media such as HDDs and SSDs capable of storing the OS, investment support programs, DBMS, etc. The communication unit 21 has an interface for physically connecting to or wirelessly communicating with the network NW, and performs communication control with the network NW to input and output information. 【0057】 Figure 3(b) is a hardware configuration diagram of the terminal device 200. As shown in Figure 3(b), the terminal device 200 has a communication unit 201, a storage unit 202, an input unit 203, an output unit 204, and a control unit 205, which are used to perform the functions of each unit and each process. 【0058】 The control unit 205 has a processor such as a CPU capable of executing instruction sets and executes the OS, application programs, etc. The storage unit 202 has volatile memory such as RAM capable of storing instruction sets, and a non-volatile recording medium such as an HDD or SSD capable of recording the OS, arbitrary application programs, etc. The communication unit 201 has an interface for physically connecting to or wirelessly communicating with a network NW, and performs communication control with the network NW to input and output information. The input unit 203 has an operation input device capable of input processing such as a touch panel or keyboard, and an audio input device capable of voice input such as a microphone. The output unit 204 has a display device capable of display processing such as a display, and an audio output device such as a speaker. 【0059】 <4. Functional Configuration> Referring again to Figure 2, the functional configuration will be explained. The support device 2 in this embodiment includes a reference unit 10, a determination unit 11, a decision unit 12, a screen output unit 13, an instruction output unit 14, an attribute assignment unit 15, and a database 16. 【0060】 The reference unit 10 refers to user account information in the securities company device 4 and stores this information in the database 16. User account information refers to information related to user account 18 and the asset management status managed in user account 18. Specifically, this refers to the types of securities held in user account 18, the stock prices of those securities, and the history of stock purchases and sales. In addition, information such as notifications output from the securities company device 4 to the support device 2, including notifications that user account 18 has been opened, and notifications output from the user terminal 3 to the support device 2 are also included in the user account information. As asset management status, the reference unit 10 can refer to information such as deposit and withdrawal information for user accounts other than securities accounts, such as bank accounts, and store this information in the database 16. Specifically, the reference unit 10 may refer to the deposit information of the bank account or securities account for dividends of the securities in question and store this information in the database 16. The reference unit 10 preferably has a PFM function and is configured to be able to access user account information, including securities accounts and bank accounts. Alternatively, it may be configured to connect to an external PFM system as needed and access user account information via that system. 【0061】 The determination unit 11 compares the account information referenced by the reference unit 10 with the conditions stored in the database 16 and determines whether the conditions have been met. The conditions are associated with each user and stored in the database 16 as a condition fulfillment list. One or more conditions are imposed on a single user account. When multiple conditions are imposed, the system may be configured to perform the assignment and determination of condition fulfillment in stages by assigning the conditions in order, or it may be configured to determine the fulfillment of each condition independently and transfer the gifted stocks to the user account 18 each time a condition is fulfilled. When assigning and determining the fulfillment of conditions in stages, the system may be configured to increase the types of stocks that can be received or increase the number of shares that can be received at once as conditions are fulfilled. The types of conditions and the procedure for determining them will be described later. 【0062】 Figure 4(a) shows an example of a condition presentation to the user displayed on the screen (output unit 204) of the user terminal 3 via the application used by the screen output unit 13. The screen display 31 presents the user with the condition "open an account". Opening a user account 18 via the screen display 31 or the application used may be included as an element for determining whether the condition has been met. The gifted stock selected from the gifted stock candidate list is gifted to the user account 18 opened via the securities company device 4. Figure 4(b) shows an example of a notification of condition fulfillment output on the screen of the user terminal 3 by the screen output unit 13. When the condition is fulfilled, or when the transfer of the gifted securities selected from the gifted candidate securities list to the opened user account 18 is completed via the securities company device 4, the notification on the screen display 32 is output. The notification may be displayed when the application is being used, or it may be displayed on the screen display 32 or on a part of the screen so that the notification can be recognized when using other applications, etc. 【0063】 Figure 4(c) shows an example of the lottery for gift stocks, which is output on the screen of the user terminal 3 by the screen output unit 13 and performed by the decision unit 12. The screen output unit 13 refers to the list of candidate gift stocks shown in Figure 5(a), and draws from the stocks present in the list to determine the gift stock. At that time, the screen display 33 may be configured to allow switching between stocks of Japanese companies and stocks of foreign companies, as shown at the bottom of the screen display 33. In addition, the lottery animation, such as the roulette wheel on the screen display 33, may be configured to bias the draw based on the achievement of related conditions, trading history, the stock price of the stock, etc. 【0064】 <5. How to determine the gifted stocks> If the determination unit 11 determines that the conditions have been met, the determination unit 12 refers to the list of candidate stocks to be gifted and determines the stock to be gifted from among the stocks in the list. In addition to drawing lots, the method for determining the stock to be gifted may also be one of the following methods (1) and / or (2). (1) A method for determining gift securities based on the similarity between the securities in the user securities list, which shows the types of securities and the number of securities held in the user account 18, and the securities in the gift candidate securities list. (2) A method of designating the stocks held by a user who is to be gifted as gift stocks if that user possesses the user attributes specified in advance. One or more gift securities are determined by the determination methods described in (1) and / or (2) above. 【0065】 Figures 5(a) to 5(c) show the list of candidate stocks for gifting stored in database 16, the list of user stocks managed in user account 18, and the list of the status of fulfilling the conditions. Figure 5(a) is an example of a list of candidate stocks for gifting. The list of candidate stocks for gifting is a list of stocks that are stored in database 16, managed in the donor account 17, and are scheduled to be transferred to the user account 18 when certain conditions are met. The list contains the number of shares that can be gifted (remaining number) and the user attributes desired by the issuer of the gifted stock (desired attributes) as elements. In Figure 5(a), two desired attributes are shown as an example, but there may be more desired attributes. Desired attributes may be shareholder attributes that the issuer wants to focus on in the future, existing shareholder attributes, or user attributes that a third party (for example, the person managing investment support system 1) has deemed suitable. In the example shown, desired attribute 1 is age and gender, and desired attribute 2 is hobbies. Figure 5(b) shows an example of a user stock list. The user stock list is a list of the types of stocks and the number of each stock held that are managed in the user account 18 via the securities company device 4 by the reference unit 10. The stocks held and the number of each stock held at the time of reference by the reference unit 10 are referenced and stored in the database 16 along with the reference date. Figure 5(c) is a condition achievement list. The condition achievement list is a table that lists the achievement status of conditions associated with a specific user and is stored in the database 16. The list stores the content of one or more conditions assigned to that user, the achievement status of the conditions determined by the determination unit 11, and the gifted securities and their number that were transferred to the user account 18 when the conditions were achieved, in association with each other. 【0066】 When the gifted stock is determined by lottery, the stock is randomly selected by the selection unit 12 from the list of candidate gifted stocks. In this case, it is preferable that the selection is made based on a lottery presentation such as a roulette wheel as shown in Figure 3(c). 【0067】 Next, the method for determining the gifted stocks according to (1) and (2) above will be explained. The gifted stocks may be configured to determine a predetermined number of types or shares. In this embodiment, a configuration in which one type of gifted stock is determined will be described. When determining gift stocks based on (1) above, the system compares the stocks managed in the user account 18 with the list of gift candidate stocks stored in the database 16, and if they have common or similar elements, the system determines the stocks with those elements to be gifted. Specifically, the determination is based on the first one or two digits of the security code held by the user, the number of shares held, and past transaction history. First, the determination unit 12 compares the security codes in the user stock list with the security codes in the gift candidate stock list. The first one or two digits of the security code are assigned to correspond to the industry. For example, when comparing the user stock list and the gift candidate stock list shown in Figure 5, the user stock list contains stocks with security codes "17" (construction), "4" (chemicals / pharmaceuticals), and "13" (agriculture, forestry, and fisheries). Of these security codes, two are selected for the gift candidate stock list: E Construction with security code "1757" and F Chemical with security code "4082". If a single stock cannot be determined based on the industry allocation of securities codes, the system may be configured to determine the stock based on the number of shares held in the user account 18. Specifically, in Figure 5(b), it can be inferred that the user is interested in the construction industry because they hold more shares of X Construction than Y Chemical. Therefore, based on the number of shares held for each stock referenced by the reference unit 10, the determination unit 12 selects E Construction, which is in the construction industry, as the gifted stock. If multiple stocks remain as candidates even after considering the industry and the number of shares held for each stock, the system may be configured to determine one gifted stock using the determination method described in (2) below or by lottery, or to select the stock with the largest remaining number of shares among the selected stocks as the gifted stock. 【0068】 As a method for determining the gift stocks in (1), the determination unit 12 may use a statistical method such as cosine similarity to compare the similarity between each stock and select stocks that are similar to the stocks in the user stock list as gift stocks. The detailed calculation method will be described later. 【0069】 When determining the gift stock based on (2) above, the gift stock is determined based on the match between the desired attributes in the list of gift candidate stocks and the user attributes held by the user. Specifically, the determination unit 12 compares the user attributes assigned to each user by the attribute assignment unit 15 from the results of a questionnaire answered in advance or the transaction history referenced by the past reference unit 10 with the desired attributes and makes a decision based on the number of matches. For example, if the user attributes of a user who has met certain conditions are "male in his 40s, hobby is traveling," the determination unit 12 will select "C Transportation," which has "40s, male" as desired attribute 1 and "travel" as desired attribute 2, as the gift stock. The number of matches between the desired attributes and the user attributes held by the user may be configured such that different scores are assigned to each desired attribute, the sum of the scores of the desired attributes that match the user attributes assigned by the attribute assignment unit 15 is calculated, and the stock with the largest total score is selected as the gift stock. Alternatively, a user attribute that is considered most important may be set for some of the desired attributes, and the determination unit 12 may determine the gift stock based only on the match of that user attribute. In cases where two companies, such as "G Trading" and "H Shipping" in Figure 5(a), have the same desired attributes and cannot be selected as a single gift stock, the system may be configured to select one gift stock by the selection method described in (1) above or by lottery, or by selecting the stock with the most remaining stocks among the selected stocks as the gift stock. 【0070】 Furthermore, the number of gift stocks and the number of shares of gift stocks determined by the decision unit 12 may be configured to change depending on the status of achieving the conditions listed in the condition achievement list. For example, when the condition "account opening" is achieved, one gift stock is selected from A Giken, B Shoji, and C Unso from the gift candidate stock list. However, after opening an account, by achieving the condition "holding shares until the record date," the gift stock may be selected from a total of five types of stocks, including A Giken, B Shoji, and C Unso, as well as D Heavy Industries and E Construction from the gift candidate stock list. 【0071】 In addition, the determination of gift stocks by the decision unit 12 may be configured to select gift stocks suitable for specific users who intend to hold them long-term, etc., from a list of gift candidate stocks using a trained model, based on information such as user attributes obtained by the decision unit 12, stocks held in the user stock list, and past transaction history. Alternatively, the system may be configured to determine gift stocks by adding the stocks held by users with common user attributes, past transaction history, and holding period to the aforementioned information. The trained model will be described later. Note that the above objectives may be configured to be switchable as needed. 【0072】 The gifted securities determined by the method described above are transferred to the user account 18 via an instruction output unit 14. In this embodiment, the gifting account 17 is described as being owned by the person who maintains and manages the investment support system 1, but the gifting account 17 may also be the securities account of the person or organization that is the gifting securities, in which case there may be multiple gifting accounts 17. For example, a list that associates the securities in the gift candidate securities list with the information necessary for the transfer related to the gifting account 17 (such as the account number and the name of the account owner) may be stored in the database 16, and when the determination unit 12 determines the gifted securities, the instruction output unit 14 may output an instruction to the securities company device 4 for transfer based on the aforementioned list. Alternatively, when the determination unit 12 determines the gifted securities, the instruction output unit 14 may obtain information related to the gifting account 17 via a Web API. 【0073】 <6. Methods for determining various conditions> In this embodiment, the conditions determined by the determination unit 11 are divided into conditions related to account opening and conditions related to holding. Specifically, the conditions related to account opening are those in which a user of the investment support system 1 opens a user account 18, which is a securities account. The conditions related to holding are those related to rights and events that arise as a result of holding shares, such as the shares being held for a specified period or longer, the shares being held across the earnings announcement date, the shares being held until the record date, and the receipt of dividends. In addition to the above, various conditions related to stock transactions are set, such as selling the held stocks when the selling price is above a specified amount or purchasing specified stocks. 【0074】 The determination of whether the conditions for opening an account have been met is made based on an account opening completion notice from the securities company device 4 indicating that the account has been opened. Specifically, when registering an account, applying for account opening, requesting documents, etc., via the user application, the reference unit 10 stores information necessary to identify the user (for example, the user's phone number or identification information uniquely set by the support device 2) in the database 16 in advance. If the account opening completion notification is a notification from the securities company device 4, when a user opens a securities account, the securities company device 4 outputs an account opening completion notification containing the information necessary to identify the user, and the reference unit 10 refers to the information necessary to identify the user in the notification. The determination unit 11 compares the reference result from the reference unit 10 with the information necessary to identify the user that is pre-stored in the database 16, and determines that the condition "account opening" has been achieved by identifying a user that contains the same information. If the account opening completion notification is a request from the user, the reference unit 10 refers to information necessary to identify at least one user included in the user's request, evidence to prove that an account has been opened (e.g., account number or image of the screen showing that the account opening has been completed), and information necessary to identify the user that exists in the securities company device 4 via the Web API. The determination unit 11 compares the user's request by the reference unit 10 and the referencing results from the securities company device 4 with information necessary to identify the user that has been set as "account opening" and determines whether the condition has been met. The elements for determining the conditions may include opening a user account 18 via the screen display 31 or the application being used. 【0075】 The determination by the determination unit 11 is made based on the status of fulfillment of conditions for each user stored in the database 16. Specifically, if the account opening condition is not yet fulfilled among the conditions, and the account opening notification for that user has been referenced by the reference unit 10, then the condition is determined to be fulfilled. In addition to the notification output from the securities company device 4 to the support device 2, the account opening completion notification also includes a statement from the user via the user terminal 3 indicating that the account opening has been completed. This statement includes the same type of information necessary to identify the individual and account, which is output from the securities company device 4 to the support device 2. 【0076】 The determination of whether the conditions for ownership have been met is made based on the reference result from the reference unit 10 and the reference date. First, let's explain the condition "holding for a specified period or longer." The reference unit 10 periodically checks the stocks managed in the user account 18 and stores the results of that check, along with the check date, in the database 16 as a user stock list. The determination unit 11 compares the stored user stock list with the check date and determines that the condition is met if a particular stock has been held for a certain period or longer. 【0077】 Next, we will explain how to determine the conditions "the stock is held across the earnings announcement date" and "the stock is held until the record date." The reference unit 10 periodically references the stocks managed in the user account 18 and stores the reference results in the database 16 as a user stock list along with the reference date. The determination unit 11 compares the user stock list stored in the database 16 with its reference date and a list containing the earnings announcement date and / or record date for each stock. If a specific stock is held and the reference date spans a specific date such as the earnings announcement date or record date for that stock, the determination unit 11 determines that the condition has been met. 【0078】 Next, the condition "receiving stock dividends" will be explained. The reference unit 10 refers to the deposit information of the bank or securities account used by the user. When there is dividend deposit information in the user account 18, the reference unit 10 refers to the information and stores it in the database 16, and the determination unit 11 determines whether the condition has been met based on the deposit information in the database 16. In order to obtain the deposit information of the account used by the user, the reference unit 10 operating in the user application stores in the database 16 access management information, such as permission to access the application corresponding to the account, and authentication information for accessing the application, linked to the user. When referring to deposit information, the reference unit 10 accesses the account based on the aforementioned stored information and refers to the deposit information. 【0079】 Furthermore, regarding the receipt of dividends, the reference unit 10 may refer to the dispatch information of dividend receipts from the issuing company or financial institution, and the determination unit 11 may determine that the condition has been met based on the match between the stocks in the said information and the stocks in the user's stock list. Alternatively, the determination unit 11 may determine that the condition has been met based on the match between the information of stocks for which dividends have been received, as reported by the user regarding the receipt of dividend receipts or whether or not payments have been made, and the stocks in the user's stock list. 【0080】 The conditions for opening an account and the conditions for holding an account may be set individually, or the conditions may be determined based on a combination of these conditions. 【0081】 Preferably, the conditions for holding the above-mentioned shares are configured such that when the conditions for opening an account are met, the gifted shares determined at the time of fulfillment are registered in the condition fulfillment list by the determination unit 12, and the transferred gifted shares are referenced by the reference unit 10 and judged by the judgment unit 11. Specifically, when the condition "opening an account" is met and shares of "A Giken" are determined as gifted shares and transferred to the user account 18, it is preferable that the gifted shares at the time of fulfillment of the condition (gifted shares at the time of fulfillment in Figure 5(c)) and the number of shares transferred to the user account 18 (number of gifted shares in Figure 5(c)) are recorded in the condition fulfillment list, and a judgment is made regarding the holding period of A Giken shares and the holding that spans the earnings announcement date and / or the ex-dividend date. In addition, the conditions for holding may also be judged for shares that the user has voluntarily purchased. 【0082】 In addition, to determine conditions such as selling when the selling price of a held stock is above a specified amount, or purchasing a specified stock, the reference unit 10 refers to the type of transaction and the date and time of the transaction in the transaction history of the user account 18 and stores it in the database 16. The determination unit 11 determines that the condition "Sell when the selling price is above a specified amount" has been met if the sold stock and its selling price or the market value of that stock at the time of sale are above a specified value in the transaction history. Furthermore, the determination unit 11 compares the purchased stocks in the transaction history with the list of stocks specified in the condition "Purchase a specified stock," and determines that the condition has been met if they match. 【0083】 Figure 6 is a sequence diagram illustrating the determination of the conditions for opening an account and the transfer of gifted securities upon fulfillment of those conditions. First, when a user uses the support device 2 or registers an account, the decision unit 12 determines the gifted stocks (S601). The determined gifted stocks are stored in the database 16 and retained until the stock transfer instruction is given. This lottery may be configured to take place between S603 and S604, after the completion of the determination of whether the conditions have been met. 【0084】 The user connects to the securities company equipment 4 via the user terminal 3 and opens a user account 18, which is a securities account (S602). When the opening of a user account is completed, the securities company device 4 outputs an account opening completion notification to the support device 2 (S603). This notification may also be initiated by the user via the user terminal 3. 【0085】 The support device 2 makes a determination of whether the conditions have been met by the determination unit 11 based on the reference results from the reference unit 10. The determination of the gifted securities may be made by the determination unit 12 after the determination unit 11 has made its determination, based on the notification of completion of account opening. Subsequently, the instruction output unit 14 outputs an instruction to transfer the gifted securities to the securities company device 4 (S604). The instruction to transfer the gifted securities includes the securities account numbers of the donor account 17 and the user account 18, the names of the users of the donor account 17 and the user account 18, the stock code of the gifted securities, the name of the gifted securities, and the quantity of the gifted securities. The instruction output unit 14 may be configured to obtain information related to the donor account 17 and the user account 18 via a Web API. Upon receiving the transfer instruction, the securities company device 4 outputs a stock transfer instruction to the donor account 17 to transfer the pre-determined stocks to the user account 18 (S605). Subsequently, the gifted stocks are transferred from the donor account 17 to the user account 18 (S606). Once the transfer of the gifted securities is complete, a transfer completion notification is sent to the support device 2 (S607) and the user terminal 3 (S608). 【0086】 Figure 7 is a sequence diagram showing the conditions for holding the securities and the transfer of the gifted securities upon fulfillment of those conditions. 【0087】 First, the reference unit 10 outputs a holding confirmation instruction to the securities company device 4 to refer to the securities managed in the user account 18 (S701). Next, the securities company device 4 obtains information on the securities managed in the user account 18 and the number of securities held based on the instruction to confirm the securities held (S702). Subsequently, the securities company device 4 outputs a notification of held securities to the support device 2 (S703), and the reference unit 10 refers to the securities information managed in the user account 18 and stores the information and the reference date in the database 16. 【0088】 The determination unit 11 determines whether the stock has been held for longer than the predetermined holding period or has been held across specific dates such as the earnings announcement date, based on the information of stocks managed in past and present user accounts 18 stored in the database 16 and the reference date (S704). If the conditions are met, the screen output unit 13 outputs a condition fulfillment notification to the user terminal (S705), and the decision unit 12 determines the gifted brand (S706). Based on the determined gifted stocks, the instruction output unit 14 outputs a transfer instruction for the gifted stocks to the securities company device 4 (S707), and based on this output, the securities company device outputs a stock transfer instruction to the gifting account 17 (S708). After the transfer of shares from the donor account 17 to the user account 18 is completed (S709), a transfer completion notification is output to the support device 2 and the user terminal 3 (S710, S711). 【0089】 In this embodiment, a configuration has been described in which the conditions are determined by the support device 2, but the determination may also be performed by the securities company device 4. In that case, the determination result from the determination unit 11 in the securities company device 4 is output to the support device 2, and based on the determination result, the support device 2 outputs the transfer of the determined gifted securities to the securities company device 4. 【0090】 Figure 8 is a flowchart of the investment support system 1 in this embodiment. Figure 8 shows the case where conditions are applied to securities that have been gifted in the past. First, the reference unit 10 accesses the user's account information via the securities company device 4 (S801). 【0091】 Next, the reference unit 10 determines whether there are any securities in the user account 18 that have been gifted in the past (S802). If the user holds securities that have been gifted in the past (Yes in S802), the reference unit 10 identifies the securities that were gifted in the past in the user account 18 (S803). If the securities that were gifted in the past are not managed (No in S802), the reference unit 10 checks the account information of the user account 18 again after a predetermined period of time has passed. 【0092】 Regarding securities that have been gifted in the past, the determination unit 11 determines whether the pre-set conditions have been met (S804). If the conditions have not been met (No in S804), the account information is referred to again after a predetermined period of time. If the conditions have been met (Yes in S804), the decision unit 12 determines the gifted securities based on the method described above (S805). The determination of the gifted securities may be configured to be made before S801 in Figure 8. The instruction output unit 14 transfers the gifted securities by outputting an instruction to the securities company device 4 to transfer the gifted securities determined by the determination unit 12 from the gifting account 17 to the user account 18. 【0093】 <7. Learning Process> Next, we will explain how to generate a trained model that outputs suitable gift stocks for a specific user based on the user attributes, the stocks in the user's stock list, the transaction history, and the stocks in the gift candidate stock list. 【0094】 In this embodiment, machine learning is performed on a financial profile consisting of user attributes acquired over a predetermined period, stocks in the user's stock list, and past transaction history, to determine the types of stocks and holding tendencies in each sector based on user attributes such as age, gender, and investment tendencies. A trained model is then generated to determine suitable stocks for the user from the list of potential gift stocks, according to the purpose of long-term holding or other objectives. The support device 2 generates the aforementioned trained model and stores it in the database 16. 【0095】 A financial profile is information used to understand or learn about a specific user's holding tendencies for each security. Specifically, it consists of one or more pieces of information from the following: information relating to the specific user, such as the user's attributes, the securities in the user's securities list, and trading history; and information about the user's current and past investment behavior. Other information, such as the user's status of meeting certain conditions, may also be included. Furthermore, the aforementioned trading history is preferably the trading history of gifted securities that were previously moved to the user account 18. 【0096】 The stocks selected by the aforementioned trained model may be configured to select stocks based on other objectives, such as stocks suitable for encouraging the voluntary purchase of additional gifted stocks, in addition to stocks intended for long-term holding. 【0097】 Furthermore, the financial profile information obtained by the trained model described above may be configured to obtain the financial profile of one user to whom the gift is to be made, or it may be configured to obtain the financial profiles of one or more users related to a specific user who share some of the same user attributes. In this embodiment, a configuration is described in which the securities are determined based on the user attributes of one user to whom the gift is to be made. 【0098】 Regarding the type of model, any publicly known model can be used. For example, models such as collaborative filtering, principal component analysis (PCA), autoregressive models (AR models), and artificial neural networks (ANNs) are available. These models are all widely used, and their mechanisms will be understood by those skilled in the art, so a detailed explanation will be omitted. 【0099】 In this embodiment, the decision unit 12 inputs the acquired financial profile as explanatory variables into the trained model, and the trained model outputs securities from the list of candidate securities for gifting that are suitable for the user according to their purpose, such as long-term holding. The explanatory variables may include the user's status of achieving the conditions, the holding status of securities gifted to related users according to their purpose, or both. 【0100】 In the learning process, the learning data consists of a set of the following: the financial profile of a specific user acquired over a predetermined period; the financial profiles of other users who share at least one user attribute with the specific user; gift stocks previously decided upon or designated as models, which serve as training data for the output; and gift stocks that have been held long-term. The information regarding "gift stocks held long-term" can be modified according to the purpose; for example, if the purpose is to encourage users to voluntarily purchase additional gift stocks, "gift stocks held long-term" is changed to "gift stocks that have been purchased additionally." In addition to financial profile information, the learning data may also include the user's achievement status of the above conditions and / or the purpose-appropriate holding status of gift stocks to related users. The learning data may be acquired from one user who is scheduled to receive the gift, or it may utilize learning data obtained from multiple users. Since machine learning techniques are widely used and those skilled in the art will understand the learning procedure, a detailed explanation is omitted. 【0101】 In addition to the pre-trained model described above, the decision unit 12 may also be configured to output a prediction of the holding period for each stock in the gift candidate stock list using the same explanatory variables as described above. Specifically, the decision unit 12 compares the holding periods for each stock and determines the stock with a holding period equal to or greater than a specified value or the longest holding period as the gift stock. When this configuration is implemented using one pre-trained model, the training data consists of pairs of gift stocks that have been held for a long period and information on stocks in the gift candidate stock list. When multiple pre-trained models are used, a pre-trained model is created for each stock, and the training data consists of pairs of information on that stock and gift stocks that have been held for a long period. Subsequently, the predicted holding period for each stock is output from the acquired data. The decision unit 12 determines, from the predicted holding periods output by the trained model, to be gifted stocks with a predicted holding period equal to or greater than the specified period, or the longest predicted holding period. 【0102】 <8.Similarity calculation> Next, the similarity calculation performed by the decision unit 12 will be explained. When the decision unit 12 determines the gift stocks using similarity, it may be configured to calculate cosine similarity for each stock present in the user stock list and the gift candidate stock list, based on text information about each stock from magazines and news, and numerical information such as the stock price of that stock and the sales of the company corresponding to that stock. Specifically, the text information and numerical information related to the stocks are vectorized, and the similarity of stocks in each list is calculated by performing a similarity calculation between the stocks in the user stock list and the stocks in the gift candidate stock list. 【0103】 Text information can be vectorized using various methods. For example, methods such as doc2vec, ELMo, and Sentence Bert are known. 【0104】 The similarity is calculated by comparing the vector of text information with the vector of numerical information. Specifically, the determination unit 12 of this embodiment calculates the cosine similarity of both vectors. The determination unit 12 then integrates the similarity for each item to calculate the similarity of each item in the gift candidate item list with the item in the user item list. For the integration of similarity, for example, a function that weights each item, a simple sum, or integration using the average value are envisioned. Once the similarity for each item in the gift candidate item list is calculated, the determination unit 12 determines the gift item based on the similarity. For the determination of the gift item, items with a similarity of a certain value or higher may be selected as the gift item, or the item with the highest similarity may be selected as the gift item. 【0105】 In this embodiment, we have described the use of cosine similarity, but other statistical methods such as Manhattan distance and Jacquard coefficients can also be used. 【0106】 According to the investment support system 1 described herein, by transferring gifted securities to the user's account based on the fulfillment of certain conditions, even users without knowledge of stocks and other investments can easily trade financial products. As a result, it is possible to encourage the use of securities accounts. [Explanation of Symbols] 【0107】 1. Investment support system 2 Support equipment 10 Reference section 11 Judgment section 12. Decision Section 13. Screen output section 14. Instruction Output Section 15 Attribute Assignment Section 16 Databases 3. User terminals 4. Securities company equipment 17. Donor account 18 User Accounts 20 Information Processing Devices 21 Communications Department 22 Control Unit 23 Memory section 200 terminal devices 201 Communications Department 202 Storage section 203 Input section 204 Output section 205 Control Unit 31 Screen display 32 screen display 33 Screen display NW Network

Claims

[Claim 1] An investment support system comprising a reference unit, a determination unit, an attribute assignment unit, a decision unit, and an instruction output unit, The attribute assignment unit assigns at least one user attribute to the user, The aforementioned reference unit refers to the user account information, which is the user's securities account, and a list that stores specific user attributes and the corresponding securities to be gifted. The determination unit determines that the user account has met certain conditions, The determination unit determines the gifted stock, which is the stock to be gifted, based on the user attributes possessed by the user and the user attributes present in the list. The instruction output unit is an investment support system that, when the above conditions are met, outputs an instruction to the securities company device to transfer the gifted securities from the gifting account, which is a securities account linked to the system, to the user account. [Claim 2] An investment support system comprising a reference unit, a determination unit, a decision unit, and an instruction output unit, The aforementioned reference unit refers to the user account information, which is the user's securities account. The determination unit determines that the user account has met certain conditions, The aforementioned decision unit refers to a list of candidate stocks for gifting, which stores multiple types of stocks to be gifted, and determines the gifted stock from the aforementioned list of candidate stocks for gifting, which is the stock to be gifted. The instruction output unit, when the above conditions are met, outputs an instruction to the securities company device to transfer the gifted securities from the gifting account, which is a securities account linked to the system, to the user account. The decision unit inputs information based on one or more pieces of information included in the financial profile of a specific user into a trained model generated by machine learning for the decision, and obtains the gifted securities determined from the list of gifted candidate securities based on the input information as the output of the trained model. An investment support system in which the trained model is generated from training data including the financial profiles of other users having the same user attributes as the specific user, and the gifted securities. [Claim 3] The investment support system according to claim 1 or 2, wherein the determination unit determines that the conditions have been met based on the notification of completion of opening the user account. [Claim 4] The investment support system according to claim 1 or 2, wherein the determination unit determines whether the conditions have been met based on any or a combination of the following: that the shares managed in the user account have been held for a specified period of time or longer; that the shares have been held across a specific date by comparing a specific date of the shares with the date of the reference; and that dividends have been received for the shares. [Claim 5] The aforementioned reference unit refers to the information relating to the gifted securities managed in the user account, The investment support system according to claim 4, wherein the determination unit determines whether the conditions related to the gifted securities have been met. [Claim 6] The determination unit determines whether the conditions have been met based on the notification of opening the user account. The instruction output unit outputs an instruction to the securities company device to transfer the gifted securities from the donor account to the user account when a securities account is opened based on the determination. The aforementioned reference unit refers to the asset management status of the newly opened user account, The determination unit determines whether the conditions have been met based on any or a combination of the following: that the shares managed in the user account have been held for a specified period or longer; that the shares have been held across a specific date by comparing the specific date of the shares with the date of the reference; and that dividends have been received for the shares. The investment support system according to claim 1 or 2, wherein the instruction output unit outputs an instruction to the securities company device to transfer the gifted stock from the donor account to the user account when any or a combination of the following conditions is met based on the determination: the stock has been held for a specified period or longer, the stock has been held across a specific date, and dividends have been received for the stock. [Claim 7] The investment support system according to claim 1 or 2, wherein the decision unit refers to a list of candidate stocks for gifting, which stores multiple types of stocks to be gifted, and determines the gifted stock by lottery from the list of candidate stocks for gifting or by the similarity between the list of candidate stocks for gifting and the stocks managed in the user account. [Claim 8] A computer-based investment support method, It comprises a reference step, a determination step, an attribute assignment step, a decision step, and an instruction output step. In the attribute assignment step, the computer assigns at least one user attribute to the user, In the aforementioned referencing step, the computer refers to the user account information, which is the user's securities account, and a list that stores specific user attributes and the corresponding securities to be gifted. In the determination step, the computer determines that the user account has met certain conditions. In the aforementioned determination step, the computer determines the gifted stock, which is the stock to be gifted, based on the user attributes possessed by the user and the user attributes present in the list. An investment support method in which, in the instruction output step, the computer outputs an instruction to the securities company device to transfer the gifted securities from the gifting account, which is a securities account linked to the computer, to the user account when the conditions are met. [Claim 9] An investment support program that causes a computer to execute the investment support method described in claim 8. [Claim 10] A computer-based investment support method, It has a reference step, a determination step, a decision step, and an instruction output step, In the aforementioned referencing step, the computer references the user account information, which is the user's securities account. In the determination step, the computer determines that the user account has met certain conditions. In the aforementioned decision step, the computer refers to a list of candidate stocks for gifting, which stores multiple types of stocks to be gifted, and determines the gifted stock from the list of candidate stocks for gifting, which is the stock to be gifted. The instruction output step involves the computer outputting an instruction to the securities company device to transfer the gifted securities from the gifting account, which is a securities account linked to the computer, to the user account when the conditions are met. In the decision-making process, the computer inputs information based on one or more pieces of information included in the financial profile of a specific user into a trained model generated by machine learning for the decision, and obtains the gifted securities determined from the list of gifted candidate securities based on the input information as the output of the trained model. An investment support method in which the trained model is generated from training data including the financial profiles of other users having the same user attributes as the specific user, and the gifted securities. [Claim 11] An investment support program that causes a computer to execute the investment support method described in claim 10.

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