JP4316509B2 - Securities trading system, securities trading method, and program - Google Patents

Description

  According to the present invention, on the basis of a request from a customer, a transaction procedure of a securities company or a brokerage agent of a securities brokerage agent who mediates between a customer and a securities company performs a trading transaction on behalf of a brokerage broker. Related to securities trading system and securities trading method and program, for example, sales representatives explain to customers at branch offices of securities companies or brokerage brokers, and input procedures to systems related to trading orders This can be used when conducting face-to-face transactions.

  In general, customers may use the Internet to carry out procedures related to buying and selling securities such as stocks and bonds. However, sales representatives explained sales transactions to customers at the brokerage store. Later, in many cases, the terminal device is operated based on the request of the customer and the input procedure to the system is performed.

  Recently, the brokerage business that brokers customers and securities companies has become widely accepted by banks, etc., and at brokerage brokers such as banks, the sales agents of securities brokerage companies have There was a situation where procedures similar to face-to-face sales at storefronts by securities company salespeople were performed.

  In this way, when the sales employee gives explanations to the customer and performs the procedure related to the sales order, various duties are imposed on the sales staff. In other words, prohibited acts such as unauthorized trading of securities are strictly regulated by laws such as the Securities and Exchange Law as acts that distort the integrity and fairness of transactions in the securities market and lose the trust of investors. In addition, each Treasury Department inspects the status of compliance with laws and regulations for securities transactions at securities companies, etc. under the commission of the Securities and Exchange Surveillance Committee. And advised the FSA Commissioner to take appropriate measures. Accordingly, the sales staff must comply with the law and try not to perform prohibited acts such as unauthorized trading.

  In addition, there are individual investors who conduct securities transactions in various situations and environments, such as elderly people, women, those who have little knowledge or experience in securities, and those who have few assets. It is necessary to conduct sales transactions according to suitability. Therefore, the sales staff, for example, considers that the customer's age is 70 years or older, considers gender, considers that the investment experience is less than one year, etc. We must comply with the principles of sincerity and fairness, such as making appropriate solicitations, solicit investment based on the principle of suitability, and strive to ensure the appropriateness of solicitations.

  In addition, sales staff must fully explain the risks associated with sales transactions, ensure that they are aware of the principle of self-responsibility, and make affirmative solicitations and recommended sales that suggest that they will make profits. Must be avoided.

  The sales staff must endeavor to avoid as much as possible the mistakes that can occur when receiving a request from the customer, such as mistakes such as misunderstandings and misunderstandings. You must be very careful not to make a mistake.

  In addition, as a system that solves various problems that occur with respect to securities transactions, for example, a securities business support system with an accident prevention function that can quickly determine whether a customer is a caution customer or a customer that falls under insider trading (Patent Literature) 1), a securities business support system (see Patent Document 2) that can check whether or not securities transactions are properly carried out in accordance with laws and regulations and internal regulations, and transactions subject to telephone orders Investment reception business support system (see Patent Document 3) that can prevent situations such as misunderstandings, can provide explanations to customers who need to explain important matters, and further explain important matters to customers A customer information management system (see Patent Document 4) that can easily confirm whether or not There is a system (patent document. 5) for detecting a fraudulent transaction using the prediction model, such as Le networks.

JP-A-8-335231 (Claim 1, FIG. 1, Abstract) JP 2004-227035 A (Claim 1, FIG. 2, Summary) JP 2004-310156 A (Claim 1, FIG. 1, Summary) Japanese Patent Laying-Open No. 2003-167997 (Claim 1, Summary) JP-T 8-504284 (summary)

    As mentioned above, the agency of the sales order of sales staff at securities companies has been rationalized by regulations based on laws such as the Securities and Exchange Law, recommendations for correcting legal violations, etc. It can be said that the need for thorough optimization has increased because the entry procedures for securities transactions have diversified due to the entry into securities brokerage businesses such as banks, and there have been many occasions to optimize securities transactions.

  Conventionally, law violations have been prevented by well-known and thorough laws, and correction recommendations have been made as measures after violations of laws and regulations. In addition to the diversification of securities transaction ordering procedures due to the entry into the market, in addition to measures such as legal regulations and correction recommendations that have been made in the past, we will further ensure the optimization of securities transactions. The construction of a system that can do this is desired. Furthermore, traditionally, a compliance department has also been established within a securities company, and in addition to prior guidance to sales staff, ex-post compliance checks are conducted on procedures performed by sales staff to ensure that securities transactions are properly optimized. Although it is planned, not only the compliance check that is performed after the transaction is established, but also a similar check can be performed in advance. Therefore, it is important to conduct a compliance check before the transaction is completed, because it increases the security of securities transactions.

  SUMMARY OF THE INVENTION An object of the present invention is to provide a securities trading system and a securities trading transaction that can optimize procedures related to trading orders of securities performed by brokers or brokerage brokers at the request of customers. Methods and programs are provided.

  The present invention intends to achieve the object by performing an external check by a third party different from the securities company.

  Specifically, according to the present invention, a brokerage brokerage agent or a brokerage brokerage agent brokering a brokerage between a brokerage company and a brokerage company performs a procedure related to a securities purchase order based on a customer request. In a securities trading system that performs trading transactions, a trading procedure agent terminal device operated by a trading procedure agent, and a securities exchange system or other securities transaction connected to the trading procedure agent terminal device via a communication line A brokerage server that performs processing related to ordering to the execution system, and an external checker who assists in judgments related to the buying and selling of securities by customers as a third party that is different from that of the brokerage firm, or judges the suitability of transaction contents The external checker terminal device operated by the external checker terminal, and the external checker terminal device and the securities company server are connected to each other via a communication line. And a server for external check that performs processing related to external check including management of customer information used for judgment by the buyer, and the brokerage server transmits and receives the trading sent from the trading procedure agent terminal device via the communication line. From the buying and selling order receiving means for receiving information including order information, the buying and selling order information transferring means for sending the buying and selling order information received by the buying and selling order receiving means to the external check server via a communication line, and the external check server Order acceptance / rejection information receiving means for receiving order acceptance / rejection information based on a judgment result by an external checker transmitted via a communication line, and the order acceptance / rejection information received by the order acceptance / rejection information receiving means is order permission information Order processing that sends information related to ordering to the stock exchange system or other stock exchange execution system The external check server is configured to include customer information storage means for storing customer information for each customer, and to receive the purchase order information transmitted from the securities company server via a communication line. Obtained by notifying the external checker terminal device that there was a trade order by the customer and searching the customer information storage means using the customer order information included in the trade order information and the trade order information as a key. External check information providing means for transmitting customer information about the target customer as external check information to the external checker terminal device via a communication line and providing it to the external checker, and communication from the external checker terminal device Receives order approval / disapproval information based on the judgment result by the external checker sent via the line, and sends the order approval / disapproval information to the securities company server via the communication line. And an order permission / refusal information transfer means for transferring the information.

  Here, “information including trade order information” means that information received from the trade procedure agent terminal device by the trade order accepting means includes, for example, information necessary for authentication of the customer in addition to the trade order information. That is, it may be included. The same applies to the following inventions.

  The “external check” may be performed based on a request from the customer to the external checker, or may be performed based on a request from the securities company or the brokerage agent to the external checker. The same applies to the following inventions.

  Furthermore, the “other securities transaction execution system” in the “process for transmitting information related to ordering to the stock exchange system or other securities transaction execution system” by the “order processing means” means that the destination of the information regarding the order is the securities This is to the effect that not only the exchange system but also a securities transaction execution system other than the securities exchange system when the transaction object is a bond, an investment trust or the like. The securities trading execution system includes, for example, other systems operated and managed by a securities company in addition to the securities exchange system. In addition, the processing for sending information related to ordering to the stock exchange system is not only for direct order processing to the stock exchange system, but also for order processing via other systems, that is, other This includes the case where the system is requested to process an order to the stock exchange system. The same applies to the following inventions.

  Then, the “notification that there is a trading order by the customer” performed by the external check information providing unit to the external checker terminal device is transmitted from the external check information providing unit to the external checker terminal device in real time. Alternatively, when there is a request from the external checker terminal device, it may be transmitted from the external check information providing means. In the latter case, when there is a request from the external checker terminal device, it is regularly sent from the external checker terminal device at a relatively short time interval from the viewpoint of preventing or facilitating delays in sales transaction processing. It is preferable to perform access to obtain notifications. In addition, “notification that there was a purchase order by a customer” includes notification by e-mail. In this case, the setting is such that the external checker terminal device can always know that an e-mail has been received. It is preferable to keep it. Further, in the “notification that there is a trading order by a customer”, a notification notifying only that there is a trading order (in this case, the external checker sends information from the external checker terminal device to the external check information providing means). Request for acquisition of external check information), and notification (in this case, the external checker is externally connected from the external checker terminal device) that informs a part of the information for external check (summary etc.) including trade order information. A request for acquiring the detailed information of the external check information is made to the check information providing means), and a notification for notifying all of the external check information including trading order information from the beginning is included. The same applies to the following inventions.

  The “external check server” may be operated and managed by a securities company, but from the perspective of conducting external checks in a more strict sense, including data management, etc. It is preferable that the check organization or its supervising organization or their consignment organization operate and manage. The same applies to the following inventions.

  Furthermore, “customer identification information” is, for example, a customer ID, a customer number, a telephone number, an e-mail address, and a name.

  In such a securities trading system of the present invention (for example, in the case of FIG. 1 to be described later, hereinafter referred to as an invention for providing information for external check from an external check server), trading is performed by a securities company server. Accepting an order, sending this buy / sell order information to an external check server, and sending external check information including buy / sell order information from the external check server to an external checker terminal device. Providing information necessary to assist customers in making decisions regarding the purchase and sale of securities or to determine the suitability of transaction content. Then, based on the determination result by the external checker, the order approval / disapproval information is transmitted from the external checker terminal device to the external check server, and further transferred from the external check server to the securities company server. If it is, the brokerage server performs processing related to ordering.

  Therefore, the contents of the order entered into the system by the trading procedure agent are not only information regarding the order processing to the market (the transmission processing of the information regarding the order to the stock exchange system but also the information regarding the order to the other stock transaction execution system. In the following description of the present application, the same applies when referring to the market). Unlike correct correction recommendations and compliance checks, it is possible to prevent inappropriate securities transactions from occurring. For example, prevention of prohibited acts such as unauthorized trading, honesty, fairness principle, conformity principle, etc., investment solicitation, assertive solicitation, recommended sales, improper explanation or solicitation such as insufficient risk explanation It becomes possible to realize prevention, prevention of transactions by mistakes, and the like.

  For this reason, it is possible to cancel trading transactions that would be disadvantageous for customers at the discretion of external checkers. It becomes possible to request substitution of the order procedure, and the above-mentioned purpose is achieved by these.

  In addition, the present invention provides a transaction procedure on behalf of a brokerage broker or a brokerage broker who brokers a broker between a customer and a securities company. In the securities trading system, the trading procedure agent terminal device operated by the buying and selling procedure agent, and assistance or transactions for judgments related to the buying and selling of securities by customers as an external check by a third party different from the securities company Processing related to ordering to the stock exchange system or other securities trading execution system connected to the external checker terminal device operated by the external checker who judges the suitability of the contents and the buying and selling procedure agent terminal device via a communication line Including management of customer information that is connected to the external checker terminal device via a communication line and used for judgment by the external checker A securities company server that performs processing related to the check, and the securities company server stores customer information for each customer, and a trading order transmitted from a trading procedure agent terminal device via a communication line. A trading order receiving means for receiving information including information, and a notification that a trading order has been made by a customer when the trading order information is received by the trading order receiving means to the external checker terminal device, The customer information about the target customer obtained by searching the customer information storage means using the customer identification information included in the order information and the buy / sell order information as a key is connected to the external checker terminal device as external check information. External check information providing means to be transmitted to the external checker and provided from the external checker terminal device via the communication line. Order acceptance / rejection information receiving means for receiving the order acceptance / rejection information based on the judgment result by the external checker, and when the order acceptance / rejection information received by the order acceptance / rejection information receiving means is order permission information, It is characterized by comprising order processing means for performing processing for transmitting information relating to ordering to other securities transaction execution systems.

  In such a securities trading system of the present invention (for example, in the case of FIG. 6 to be described later, hereinafter referred to as an invention for providing information for external check from a securities company server) The external checker is sent to the external checker terminal device from the securities company server to send the external check information including the buy / sell order information to the external checker. Providing information necessary to determine the suitability of the content. Then, based on the determination result by the external checker, the order approval / disapproval information is transmitted from the external checker terminal device to the securities company server. Do.

  Therefore, as in the case of the invention for providing the information for external check from the server for external check described above, the order contents entered into the system by the buying and selling procedure agent are checked in advance before the order processing to the market. Therefore, it is possible to prevent an inappropriate securities transaction from occurring, unlike the case of ex-post correction recommendation and compliance check as in the past. For example, prevention of prohibited acts such as unauthorized trading, honesty, fairness principle, conformity principle, etc., investment solicitation, assertive solicitation, recommended sales, improper explanation or solicitation such as insufficient risk explanation It becomes possible to realize prevention, prevention of transactions by mistakes, and the like.

  For this reason, it is possible to cancel trading transactions that would be disadvantageous for customers at the discretion of external checkers. It becomes possible to request substitution of the order procedure, and the above-mentioned purpose is achieved by these.

  In addition, the present invention provides a trading transaction on behalf of a brokerage broker or a brokerage broker who brokers between a customer and a brokerage company. In the securities trading system, the trading procedure agent terminal device operated by the buying and selling procedure agent, and connected to the buying and selling procedure agent terminal device via a communication line to the securities exchange system or other securities trading execution system A brokerage server that performs processing related to ordering, and a broker that is connected to the brokerage server via a communication line and that assists in judgments related to the buying and selling of securities by customers as an external check by a third party different from the brokerage An external checker terminal device operated by an external checker who judges suitability is connected to the external checker terminal device via a communication line. And an external check server that performs processing related to external checks including management of customer information used for judgment by an external checker, and the securities company server sends and receives trades transmitted from the trade procedure agent terminal device via a communication line. A trading order receiving means for receiving information including order information, and a notification that there was a trading order by a customer when the trading order information is received by the trading order receiving means to the external checker terminal device, External check information providing means for sending and receiving trade order information as external check information to an external checker terminal device via a communication line and providing it to the external checker, and either directly from the external checker terminal device or external check Order approval / disapproval based on the result of judgment by an external checker sent via the communication line via the server Order acceptance / rejection information receiving means for receiving information, and when the order acceptance / rejection information received by the order acceptance / rejection information receiving means is order permission information, information relating to ordering is transmitted to the stock exchange system or other securities transaction execution system. Configured to include an order processing means for performing processing, the server for external check is a customer information storage means for storing customer information for each customer, and in response to an acquisition request from an external checker terminal device by an external checker, The customer information about the target customer obtained by searching the customer information storage means using the customer identification information transmitted together with the acquisition request signal as a key is connected to the external checker terminal device as external check information. And customer information providing means for transmitting through the network.

  In such a securities trading system of the present invention (for example, in the case of FIG. 7 described later, etc., hereinafter referred to as an invention that provides external check information from both the securities company server and the external check server). The brokerage server accepts trading orders, and the brokerage server transmits this trading order information as external check information to the external checker terminal device, and in response to an acquisition request from the external checker terminal device, for external check By sending customer information from the server as external check information to the external checker terminal device, it is necessary for the external checker to assist the customer in making decisions related to the sale or purchase of securities, or to determine the suitability of transaction contents Provide information. Then, based on the determination result by the external checker, the order approval / disapproval information is transmitted to the securities company server directly from the external checker terminal device or via the external check server, and the order approval / disapproval information is the order permission information. In this case, the brokerage server performs processing related to ordering.

  Therefore, as in the case of the invention for providing external check information from the external check server and the case of the invention for providing external check information from the securities company server, the order entered into the system by the buying and selling procedure agent Since the contents are judged by the external checker in advance before processing the order to the market, it is not appropriate, unlike in the case of ex-post correction recommendations and compliance checks as in the past. It becomes possible to prevent the occurrence of securities transactions. For example, prevention of prohibited acts such as unauthorized trading, honesty, fairness principle, conformity principle, etc., investment solicitation, assertive solicitation, recommended sales, improper explanation or solicitation such as insufficient risk explanation It becomes possible to realize prevention, prevention of transactions by mistakes, and the like.

  For this reason, it is possible to cancel trading transactions that would be disadvantageous for customers at the discretion of external checkers. It becomes possible to request substitution of the order procedure, and the above-mentioned purpose is achieved by these.

  In the securities trading system described above (the invention for providing external check information from the external check server and the invention for providing external check information from the securities company server), the customer information storage means includes a conformity principle. Conformity determination information storage means for storing conformity determination information for determining whether or not the transaction is suitable for the customer's suitability including compliance with each customer as customer information The external check information providing means is for determining the suitability of the target customer obtained by searching the suitability determining information storage means using the sales order information and the customer identification information included in the trade order information as keys. Compared with the information, it is judged whether or not the order contents that are not allowed are included in the buying and selling order information. In addition to the information, it is desirable that is configured to transmit via the communication line alarm information to an alarm output at an external check terminal device to an external check terminal device.

  Here, the “alarm output” may be an alarm display on the screen of the external checker terminal device, an alarm sound output from the speaker of the external checker terminal device, or a combination thereof.

  In this way, when it is configured to perform alarm output by comparing buy / sell order information and suitability determination information, when there is a possibility that the order content is a transaction that does not comply with the suitability principle, etc., an external checker By outputting an alarm on the terminal device, the fact that there is a possibility of an inappropriate transaction can be communicated to an external checker, so it is possible to more reliably prevent transactions that do not comply with the conformity principle, etc. It becomes possible.

  In the above-described securities trading system (invention that provides external check information from an external check server and invention that provides external check information from a securities company server), the customer information storage means is preliminarily stored by the customer. Transaction condition storage means for storing the specified allowable transaction conditions for each customer as customer information is included, and the external check information providing means includes purchase order information and customer identification information included in the purchase order information. Compare the transaction conditions for the target customer obtained by searching the transaction condition storage means with the key as the key to determine whether or not the unacceptable order content is included in the buying and selling order information, and the unacceptable order content is included If the order is not approved as the order approval / disapproval information, the external check information is not transmitted to the external checker terminal device. Desirably it is configured to pass broadcast Ordering permission information receiving means.

  Here, in the process of “passing ordering disapproval information as ordering permission / inhibition information to ordering permission / inhibition information receiving means”, the external check information providing means is provided in the external check server, and the ordering permission / inhibition information receiving means is a securities company. When provided in the server (for example, in the case of FIG. 1 to be described later), the order approval / disapproval information is transferred from the external check information providing means to the order approval / disapproval information transfer means, and the order approval / disapproval information transfer means via the communication line. The process to send to the securities company server. The same applies to the following inventions.

  In this way, when it is configured to automatically determine that the order is not permitted when the transaction conditions specified in advance are not satisfied, it is possible to prevent transactions that do not satisfy the transaction conditions specified in advance by the customer. In addition, it becomes possible to avoid delays in processing due to the judgment of the external checker even when it is certain that the transaction is inappropriate.

  Furthermore, in the securities trading system described above (the invention for providing external check information from the external check server and the invention for providing external check information from the securities company server), the external check information providing means includes a trading order. The information and the customer information about the target customer obtained by searching the customer information storage means using the customer identification information included in the buy / sell order information as a key, and the order contents that are not allowed for the buy / sell order information are included. If an unacceptable order is not included, and the customer has previously selected and designated not to perform an external check by the external checker in this case, the external checker The order permission information is used as the order permission information without sending the external check information to the terminal device. It may be configured to pass to the receiving means.

  In this way, when order contents that are not allowed for buy / sell order information are not included, if it is configured to automatically determine the order permission according to the customer's selection specified in advance, the order contents that are not allowed are included It is possible to avoid the processing delay caused by the judgment of the external checker even when it is not.

  In addition, even if it is a case where the order contents that are not allowed for the buy / sell order information are not included, it may be configured to perform transmission processing of the information for external check to the external checker terminal device, Viewpoint of speeding up the process to avoid the disadvantages associated with delays in sales transaction processing when the customer has specified that the external check by the external checker may be omitted in such cases Therefore, it is preferable that the external check information transmission process is not performed as described above.

  In the securities trading system described above, if the order acceptance information received by the order acceptance information receiving means is information that does not permit ordering, orders to the securities exchange system or other securities trading execution systems are not permitted. It is desirable to include a non-permitted information transmitting means for transmitting information indicating that it has become to the transaction procedure agent terminal device via a communication line.

  In this way, when it is configured with a disapproval information transmission means, since it is an improper transaction to the sales procedure agent, it can be informed that the order has been disapproved. It is possible to alert the agent, and based on the result, for example, it is possible to change the order contents and perform the re-procedure.

  Further, in the securities trading system described above, the trading order accepting means of the securities company server is added to the trading order information transmitted from the trading procedure agent terminal device via the communication line and the trading order information and transmitted. The brokerage server is configured to receive the customer biometric information, and the securities company server pre-registers and stores the customer's biometric information for each customer and stores the purchase order by the purchase order acceptance means. The biometric information received together with the information is compared with the biometric information about the target customer obtained by searching the biometric information storage means using the customer identification information included in the trade order information as a key. The identity authentication process is performed by determining whether the two biometrics information matches. A biometrics authentication unit, and the trading order reception unit of the securities company server passes the purchase order information to the external check information providing unit when the biometrics authentication unit determines that the two pieces of biometric information match. If it is determined that they do not match, it is desirable that the sales order information is not passed to the external check information providing means.

  Here, “biometric information” is, for example, fingerprint information, voiceprint information, iris information, saliva information, blood information, DNA information, and the like.

  In addition, “customer biometric information transmitted in addition to trading order information” and “biometric information received together with trading order information by the trading order receiving means” are not necessarily the same as trading order information and biometric information received by the securities company server. It does not mean that metrics information is received at the same time, but in a series of processes related to acceptance of trading orders performed between a trading procedure agent terminal device and a securities company server, that is, a trading procedure agent terminal device It is only necessary that these can be received in a state where the association between trading order information and biometric information is maintained in one access to the securities company server.

  Also, “pass trading order information to external check information providing means” means that when the external check information providing means is provided in the external check server (for example, in the case of FIG. 1 described later), This means that the trading order information is transferred from the trading order receiving means to the trading order information transferring means, and the trading order information transferring means transmits the information to the external check server via the communication line. The same applies to the following inventions.

  In this way, when configured to perform biometric authentication, since it is possible to confirm that the purchase order information transmitted from the transaction procedure agent terminal device is the customer's own, such as unauthorized sales It is possible to prevent it.

  Further, when the biometrics authentication is configured as described above, the securities company server, when the biometrics authentication unit determines that the two pieces of biometric information do not match, the stock exchange system or other securities It is desirable to include a non-permission information transmitting means for transmitting information indicating that the ordering to the transaction execution system is not permitted to the trading procedure agent terminal device via the communication line.

  In such a configuration with a disapproval information transmission means, it is not possible to confirm the identity of the customer by biometrics authentication to the transaction procedure agent, so that the order is not permitted. Therefore, it is possible to call attention to the transaction procedure agent.

  When the biometrics authentication is configured as described above, the buying and selling order receiving means of the securities company server includes the buying and selling order information and the customer's biometrics information, along with the value of the buying and selling object to the customer by the buying and selling agent. The customer's answer information to the explanation status confirmation question for confirming whether the explanation about the securities or its trading is properly conducted is received from the trading procedure agent terminal device via the communication line, together with the trading order information The customer reply information for the explanation status confirmation question is also passed to the external check information providing means. The external check information provision means also provides the customer reply information for the explanation status confirmation question as the external check information together with the sales order information. It is desirable to be configured to transmit to an external checker terminal device via a communication line.

  Here, the process of “passing the customer response information to the external check information providing means together with the explanation status confirmation question together with the purchase order information” is performed when the external check information providing means is provided in the external check server (for example, In the case of FIG. 1 to be described later, the customer order information and the answer information of the customer to the explanation status confirmation question are passed from the trading order receiving means to the buying and selling order information transferring means, and the buying and selling order information transferring means via the communication line This is the process to send to the external check server. The same applies to the following inventions.

  When the customer's answer information for the explanation status confirmation question is also included in the external check information in this way, the external checker can grasp the situation when the customer receives explanation from the sales procedure agent. Therefore, it is possible to obtain an effective determination material as to whether or not the transaction is appropriate. In addition, since the customer's answer to the explanation status confirmation question is input by the customer in front of the transaction procedure agent at the transaction procedure agent terminal device, the transaction procedure agent fulfills the obligation to explain to the customer. In addition, it is possible to obtain inappropriate explanations such as assertive solicitation and recommended sales, and the effect of deterring solicitation. Furthermore, since the customer's answer information for the explanation status confirmation question is transmitted together with the biometric information, it can be determined that the answer information is by the customer himself, so that it can be a reliable judgment material.

  In addition, in the case where the customer's answer information for the explanation status confirmation question is also included in the external check information as described above, in the buying and selling procedure agent terminal device, the customer selects and answers the explanation status confirmation question. Touch input / fingerprint reading means for simultaneously performing the touch input reception process and the fingerprint information reading process as customer biometric information is provided. Receives customer response information for explanation status confirmation questions input by the input / fingerprint reader and customer fingerprint information read by the touch input / fingerprint reader via the communication procedure agent terminal device via the communication line. It is good also as composition to do.

  When the touch input / fingerprint reading means is used in this way (for example, in the case of FIG. 8 described later), the customer inputs an answer to the explanation status confirmation question and a fingerprint input for biometric authentication. This can be done at the same time, reducing customer trouble.

  Further, in the securities trading system described above, the securities company server stores, for each customer, identification information used for confirming that the customer who has made a purchase order or the customer who is going to do so is the principal. Identity verification information storage means, and identity verification question presentation information for presenting to the customer a personal identification question that cannot be answered without knowing the personal identification information at the transaction procedure agent terminal device. Procedural confirmation question creation means to be created, customer reply information to the personal identification question, and customer identification information included in the trading order information received by the buying and selling order receiving means or trading order receiving means before receiving the buying and selling order information. Using the customer identification information received from the agent terminal device as a key, the identity of the target customer obtained by searching the information storage means for identity verification is obtained. And a response determination authentication means for performing identity authentication processing by determining whether or not the response information and the identity verification information are consistent with each other. Identity verification question presentation information created by the identity verification question creation means is transmitted to the transaction procedure agent terminal device via the communication line, and the identity confirmation question transmitted from the transaction procedure agent terminal device via the communication line The customer response information is received and passed to the response determination / authentication means, and if the response determination / authentication means determines that the response information and the identity verification information are consistent, the purchase order information is externally checked information. It is desirable that when the information is passed to the providing means and determined not to match, the purchase order information is not passed to the external check information providing means.

  Here, in order to “present the identity verification question to the customer at the transaction procedure agent terminal device”, the identification question is displayed on the screen of the transaction procedure agent terminal device, and the transaction procedure agent This includes voice output of the user identification question through the speaker or earphone of the terminal device, and a combination thereof.

  In this way, if it is configured to perform identity verification and perform identity authentication, it is possible to confirm that the purchase order information transmitted from the purchase procedure agent terminal device is that of the customer himself / herself. In addition, it is possible to prevent unauthorized trading and the like.

  And when it is set as the structure which performs an identity verification question as mentioned above and authenticates, the answer judgment authentication means of a securities company server transmits the information for identity verification question presentation by the trading order reception means of a securities company server. It is desirable that the response information and the identity verification information are determined to be consistent only when the response information is received within a predetermined time.

  In this way, when it is configured so that only the reply information within a predetermined time is valid, it is possible to prevent impersonation by a trading procedure agent, improving the reliability of the reply information for the identity verification question, The accuracy of authentication is improved.

  Further, as described above, when it is configured to perform the identity verification by performing the identity verification question, the identity verification information storage means of the securities company server stores multiple items of identity verification information for each customer, The identity verification question creation means of the securities company server is configured to create at least one item from among a plurality of items at random to create information for presenting the identity verification question. The customer's response information to the identity confirmation question presented in the customer identification information and the customer identification information received from the trading procedure agent terminal device by the trading order acceptance means before receiving the customer identification information included in the trading order information or the trading order information are the keys. It is configured to compare the information for verifying the identity related to the question item about the target customer obtained by searching the information storing means for verifying the identity. Masui.

  In this way, when it is configured to randomly select the identity verification question from a plurality of items, impersonation by the buying and selling procedure agent becomes even more difficult. It becomes possible to prevent more reliably, and the reliability of the answer information with respect to the identity verification question is improved, and the accuracy of the identity authentication is further improved.

  Further, as described above, in the case where the identity verification question is performed to perform the identity authentication, the trading company order receiving means of the securities company server is configured to receive the response information as voice information, and the answer determination of the securities company server is performed. The authentication means is configured to perform voice recognition processing on the reply information as the voice information received by the buying and selling order acceptance means, and determine whether the reply information after the voice recognition processing and the identification information are consistent. The securities company server uses biometric information storage means for preregistering and storing voiceprint information for each customer as biometric information of the customer, and biometric information from reply information as voice information received by the sales order receiving means. Voice identification information to be extracted and customer identification information or buying and selling note included in buying and selling order information received by buying and selling order receiving means Compare the voiceprint information about the target customer obtained by searching the biometrics information storage means using the customer identification information received from the buying and selling procedure agent terminal device by the buying and selling order acceptance means as a key before receiving the information, and these Biometrics authentication means for determining whether or not the two voiceprint information matches, and the buying and selling order reception means of the securities company server matches the response information and the identity verification information by the response determination authentication means. If the biometrics authentication unit determines that the two voiceprint information matches, the trading order information is passed to the external check information providing unit, and the response determination and authentication unit uses the response information and identity verification When it is determined that the information does not match or the two voiceprint information does not match by the biometrics authentication means It is desirable that there is a configuration that does not pass trade order information to the external checking information providing means.

  Here, it is necessary to answer the identity verification question by the customer at the transaction procedure agent terminal device by voice input, but the identification confirmation question to the customer at the transaction procedure agent terminal device is presented on the screen display. Alternatively, it may be performed by voice output. However, from the viewpoint of answering at an appropriate timing, it is preferable to present the identification confirmation question by voice output.

  In this way, when authentication based on the response content and biometrics authentication using the voiceprint obtained from the response information are used using the response information for the identity verification question, authentication of the identity is performed by multiplexing authentication. In addition to improving the accuracy, the customer only needs to perform one type of input to perform the two types of authentication, thereby reducing the customer's input effort.

  In the case where the identity verification question is performed and the identity authentication is performed as described above, the securities company server determines that the response information and the identity verification information are not consistent with each other by the response determination authentication means. In addition, it is provided with non-permitted information transmitting means for transmitting information indicating that the order to the stock exchange system or other securities trading execution system is not permitted to the trading procedure agent terminal device via the communication line. Is desirable.

  In the case of the configuration including the non-permission information transmitting means, since it is not possible to confirm the identity of the customer by the answer determination authentication using the answer information for the identification confirmation question to the buying and selling procedure agent, the order is placed. Since it is possible to tell that it has been disapproved, it is possible to call attention to the transaction procedure agent.

  Further, in the securities trading system described above, the external check information providing means is provided when the external checker terminal device is not connected to the installation server of the external check information providing means or for the external checker terminal device. If there is no response from the external checker terminal device for a certain period of time in response to the notification that the customer has made a purchase order, the securities related to the purchase order by the customer are securities that can be canceled. In some cases, the order permission information is passed to the order permission information receiving means as the order permission information without waiting for the order permission information based on the determination result by the external checker from the external checker terminal device. desirable.

  Here, the “external check information providing means installation server” is used for external check when the external check information providing means is provided in the external check server (for example, in the case of FIG. 1 described later). In the case where the server is a server and external check information providing means is provided in the securities company server (for example, in the case of FIGS. 6 and 7 described later), it is a securities company server.

  In this way, the external checker terminal device is in a disconnected state, or the order permission is automatically determined for securities that can be canceled when there is no response from the external checker terminal device for a certain period of time. In this case, it is possible to avoid the disadvantage of the customer due to the delay in processing even in the situation where the judgment by the external checker cannot be obtained immediately, and the automatic judgment of the order permission in this case Is limited to securities whose order can be canceled, so even if the transaction for which the automatic order approval was determined is a transaction that would otherwise be prohibited, the original processing will be performed by canceling the order. It becomes possible to recover.

  Further, as described above, when the external checker terminal device is in a disconnected state or there is no response from the external checker terminal device for a certain period of time, an order permission decision is automatically made for securities that can be canceled. In the case of the configuration, the information providing means for external check includes the order permission information receiving means as the order permission information without waiting for the order permission information based on the judgment result by the external checker from the external checker terminal device. In addition, a notification requesting whether or not to cancel the order is sent to the external checker terminal device via the communication line and sent from the external checker terminal device via the communication line by the external checker. When the order cancellation request signal is received, the order cancellation request signal is passed to the order acceptance / rejection information receiving means. The order processing means of the company server is configured to perform processing for transmitting information related to order cancellation to a stock exchange system or other securities trading execution system when the order acceptance / rejection information receiving means receives an order cancellation request signal. It is desirable.

  Here, in the process of “passing the order cancellation request signal to the order acceptance / rejection information receiving means”, the external check information providing means is provided in the external check server, and the order acceptance / rejection information receiving means is provided in the securities company server. (For example, in the case of FIG. 1 to be described later), an order cancellation request signal is passed from the external check information providing means to the order approval / rejection information transfer means, and the securities company through the communication line by the order acceptance / rejection information transfer means. Processing to send to the server.

  In this way, when it is configured to receive an order cancellation request signal from an external checker terminal device by an external checker, even when an order permission is automatically determined for a transaction that is inherently not permitted to place an order. Thus, the recovery process of the original process can be performed easily and smoothly.

  In the securities trading system described above, the securities company server includes customer basic information storage means for storing basic information of the customer including whether the customer is a member customer or grade information of the member customer. The buying and selling order receiving means of the securities company server searches the customer basic information storage means by using the customer identification information included in the buying and selling order information as a key to determine whether the target customer is a member customer or a high-grade member customer. If it is a member customer or a high-grade member customer, the sales order information is passed to the external check information providing means, and it is not a member customer or a high-grade member customer. For example, it is desirable that the purchase order information is not passed to the external check information providing means.

  In this way, when it is configured to automatically distribute the necessity of external check based on whether or not the customer is a member customer or a high-grade member customer, Since it is possible to avoid transmission of external check information to the external checker terminal device, it is possible to realize external check processing only for customers who need external check, and there is no need for external check. For customers, processing delays can be avoided.

  Moreover, the following securities trading transaction method of this invention is mentioned as a securities trading transaction method implement | achieved by the securities trading system of this invention described above.

  That is, according to the present invention, a procedure for buying and selling securities based on a request from a customer is handled by a buying and selling procedure agent of a securities company or a buying and selling procedure agent of a brokerage agent that mediates between a customer and a securities company. In the securities trading method, the trading procedure agent terminal device operated by the buying and selling procedure agent and the securities company server that performs processing related to ordering to the securities exchange system or other securities trading execution system through a communication line An external checker terminal device operated by an external checker that connects and externally checks the suitability of the purchase or sale of securities by a third party as an external check by a third party different from the securities company Communication line with server for external check that performs processing related to external check including management of customer information used for judgment by checker Connect the securities company server and the external check server via a communication line, and provide customer information storage means for storing customer information for each customer in the external check server so that the brokerage server accepts trading orders. The means performs processing for receiving information including trading order information transmitted from the trading procedure agent terminal device via the communication line, and the trading order information transfer means of the securities company server receives the trading order reception means. Processing to send trading order information to the external check server via the communication line, and the external check information providing means of the external check server receives the trading order information transmitted from the securities company server via the communication line. Receives and notifies the external checker terminal device that there is a trading order by the customer, as well as trading order information and trading order The customer information about the target customer obtained by searching the customer information storage means using the customer identification information included in the report as a key is transmitted as external check information to the external checker terminal device via the communication line and externally transmitted. The processing for providing to the checker is performed, and the order approval / disapproval information transfer means of the external check server sends the order approval / disapproval information based on the determination result by the external checker transmitted from the external checker terminal device via the communication line. Receive and transfer the order approval / disapproval information to the securities company server via the communication line, and the order approval / disapproval information receiving means of the securities company server sends the external check sent from the external check server via the communication line. The processing for receiving the order approval / disapproval information based on the judgment result by the person is performed, and the order processing means of the securities company server uses the order acceptance / rejection information receiving means. In the case where the received order approval / disapproval information is order permission information, a process of transmitting information related to ordering to a stock exchange system or other securities transaction execution system is performed.

  In such a securities trading transaction method of the present invention, the securities trading system of the present invention described above (for example, as in the case of FIG. 1 described later, external check information is provided from an external check server). The actions and effects obtained in the invention can be obtained as they are, and the above object can be achieved.

  In addition, the present invention provides a transaction procedure on behalf of a brokerage broker or a brokerage broker who brokers a broker between a customer and a securities company. In the securities trading transaction method, the trading procedure agent terminal device operated by the trading procedure agent and the support or transaction of the judgment accompanying the buying and selling of securities by the customer as an external check by a third party different from the securities company Management of customer information used for external checker terminal devices operated by external checkers who judge the suitability of the content for processing related to ordering to stock exchange systems or other securities trading execution systems and for judgments by external checkers Connect to the brokerage server that performs processing related to external checks including Customer information storage means for storing is provided in the securities company server, and the trading order receiving means of the securities company server receives information including trading order information transmitted from the trading procedure agent terminal device via the communication line. The external check information providing means of the securities company server performs notification to the external checker terminal device that the customer has placed a trade order when the trade order receiving means receives the trade order information. The customer information about the target customer obtained by searching the customer information storage means by using the customer order information included in the trade order information and the trade order information as a key is communicated to the external checker terminal device as external check information. The processing to send to the external checker by sending it via the line is performed, and the order acceptance information receiving means of the securities company server is the external checker. Order acceptance / rejection information received by the ordering processing means of the securities company server by the order acceptance / rejection information receiving means, which performs processing for receiving order acceptance / rejection information based on the judgment result by the external checker transmitted from the terminal device via the communication line Is the information on ordering permission, a process of transmitting information relating to ordering to a stock exchange system or other securities trading execution system is performed.

  In such a securities trading transaction method of the present invention, the securities trading system of the present invention described above (for example, an invention for providing external check information from a securities company server as in the case of FIG. 6 described later). ) Can be obtained as it is, and the above object can be achieved.

  In addition, the present invention provides a trading transaction on behalf of a brokerage broker or a brokerage broker who brokers between a customer and a brokerage company. In the securities trading method, the trading procedure agent terminal device operated by the buying and selling procedure agent and the securities company server that performs processing related to ordering to the securities exchange system or other securities trading execution system through a communication line An external checker terminal device operated by an external checker that is connected and assists in judgment related to the sale and purchase of securities by a third party as an external check by a third party different from the securities company, or determines whether the transaction is appropriate Connects to the company server via a communication line and performs processing related to external checks including management of customer information used for judgment by external checkers. The external check server is connected to the external checker terminal device via a communication line, and customer information storage means for storing customer information for each customer is provided in the external check server, so that the brokerage server accepts trading orders. The means performs processing for receiving information including trading order information transmitted from the trading procedure agent terminal device via the communication line, and the information providing means for external check of the securities company server performs trading by the trading order receiving means. When the order information is received, the external checker terminal device is notified that there is a trading order by the customer, and the trading order information is transmitted as external check information to the external checker terminal device via a communication line. Process to provide to external checkers, and the customer information providing means of the external check server In response to the acquisition request from the checker terminal device, customer information about the target customer obtained by searching the customer information storage means using the customer identification information transmitted together with the acquisition request signal as a key is used for external check information. The order approval / disapproval information receiving means of the securities company server is directly transmitted from the external checker terminal device or via the external check server via the communication line. The order acceptance information is received by the order processing means of the securities company server, and the order acceptance information received by the order acceptance information receiving means is the order permission information. In this case, it is characterized in that processing for transmitting information on the order to the stock exchange system or other stock exchange execution system is performed. Is.

  In such a securities trading transaction method of the present invention, the securities trading transaction system of the present invention described above (for example, from the external check server and the securities company server as in the case of FIG. The operation and effect obtained in the invention for providing information for checking) can be obtained as it is, and thereby the above-mentioned object is achieved.

  Further, as a program for realizing the above-described securities trading system of the present invention, there is the following program of the present invention.

  That is, according to the present invention, a procedure for buying and selling securities based on a request from a customer is handled by a buying and selling procedure agent of a securities company or a buying and selling procedure agent of a brokerage agent that mediates between a customer and a securities company. In a program for operating a computer as a securities trading system, a trading procedure agent terminal device operated by a trading procedure agent and a securities exchange connected to the trading procedure agent terminal device via a communication line The brokerage server that performs processing related to ordering to the system or other securities trading execution system, and the external check by a third party different from the brokerage firm, assists the decision regarding the buying and selling of securities by the customer, or whether the transaction content is appropriate External checker terminal device operated by an external checker who makes a judgment, and this external checker terminal device and securities An external check server that performs processing related to external checks including management of customer information that is connected to a company server via a communication line and is used for judgment by an external checker. A trading order receiving means for receiving information including trading order information transmitted via a communication line, and a trading order for transmitting trading order information received by the trading order receiving means to an external check server via a communication line Information transfer means, order permission / rejection information receiving means for receiving order permission / rejection information based on the judgment result by the external checker transmitted from the external check server via the communication line, and the order received by the order permission / rejection information receiving means Stock exchange system or other securities trading execution system when permission / denial information is order permission information The external check server is configured to include a customer information storage unit that stores customer information for each customer and a securities company server via a communication line. Receiving the trade order information that has been received and notifying the external checker terminal device that there was a trade order by the customer, and using the trade order information and customer identification information included in the trade order information as keys External check information that is provided to external checkers by sending customer information about the target customer obtained by searching the customer information storage means to the external checker terminal device via the communication line as external check information Receiving the order acceptance information based on the judgment result by the external checker transmitted from the providing means and the external checker terminal device via the communication line; It is for causing a computer to function as a securities trading system characterized by including order acceptance / rejection information transfer means for transferring the order acceptance / rejection information to a securities company server via a communication line. .

  In addition, the present invention provides a transaction procedure on behalf of a brokerage broker or a brokerage broker who brokers a broker between a customer and a securities company. In a program for functioning a computer as a securities trading system, a trading procedure agent terminal device operated by a trading procedure agent and an external check by a third party different from the securities company as an external check by a customer A stock exchange system or other securities connected by a communication line to an external checker terminal device operated by an external checker who assists judgments related to sales transactions or judges whether transaction contents are appropriate or not, and a trading procedure agent terminal device Performs processing related to ordering to the transaction execution system and is connected to the external checker terminal device via a communication line to enable external check A securities company server that performs processing related to external checks including management of customer information used for judgment by a person, the securities company server storing customer information for each customer, and a trading procedure agent terminal A trading order receiving means for receiving information including trading order information transmitted from the apparatus via a communication line, and a notification that a customer has placed a trading order when the trading order information is received by the trading order receiving means. The customer information about the target customer obtained by searching the customer information storage means using the customer identification information included in the sales order information and the sales order information as a key. External check information providing means for transmitting to an external checker terminal device as check information via a communication line and providing it to the external checker The order acceptance / rejection information receiving means for receiving the order acceptance / rejection information based on the judgment result by the external checker transmitted from the external checker terminal device via the communication line, and the order acceptance / rejection information received by the order acceptance / rejection information receiving means are: A securities trading system characterized by comprising order processing means for performing processing for transmitting information relating to ordering to a stock exchange system or other securities trading execution system when it is order permission information It is for functioning the computer.

  In addition, the present invention provides a trading transaction on behalf of a brokerage broker or a brokerage broker who brokers between a customer and a brokerage company. In a program for operating a computer as a securities trading system, a trading procedure agent terminal device operated by a trading procedure agent and a securities exchange connected to the trading procedure agent terminal device via a communication line A brokerage server that performs processing related to ordering to the system or other securities trading execution system, and a brokerage of the securities by a customer as an external check by a third party that is connected to the brokerage server through a communication line and that is different from the brokerage company An external checker terminal device operated by an external checker who assists the judgment accompanying the transaction or judges whether the transaction is appropriate An external check server connected to the external checker terminal device through a communication line and performing processing related to external check including management of customer information used for judgment by the external checker. The purchase order receiving means for receiving information including the purchase order information transmitted from the terminal device via the communication line, and the fact that the customer has received a purchase order when the purchase order information is received by the purchase order receiving means. External check information providing means for notifying the external checker terminal device of the notification and transmitting the purchase order information as external check information to the external checker terminal device via a communication line and providing the external checker with the external checker terminal device And sent via the communication line directly from the external checker terminal device or via the external check server Order acceptance / rejection information receiving means for receiving the order acceptance / rejection information based on the judgment result by the external checker, and when the order acceptance / rejection information received by the order acceptance / rejection information receiving means is order permission information, the stock exchange system or other An order processing means for performing processing for transmitting information relating to ordering to the securities transaction execution system, and the external check server includes customer information storage means for storing customer information for each customer, and an external by an external checker. In response to an acquisition request from the checker terminal device, customer information about the target customer obtained by searching the customer information storage means using the customer identification information transmitted with this acquisition request signal as a key is used for external check information. Customer information providing means for transmitting to an external checker terminal device via a communication line. This is to make a computer function as a securities trading system.

  Note that the above-described program or a part thereof is, for example, a magneto-optical disk (MO), a read-only memory (CD-ROM) using a compact disk (CD), a CD recordable (CD-R), a CD rewritable. (CD-RW), read-only memory (DVD-ROM) using digital versatile disk (DVD), random access memory (DVD-RAM) using DVD, flexible disk (FD), magnetic tape, Recording, storage, distribution, etc. on a recording medium such as a hard disk, read only memory (ROM), electrically erasable and rewritable read only memory (EEPROM), flash memory, random access memory (RAM), etc. Possible, for example, a local area network LAN, Metropolitan Area Network (MAN), Wide Area Network (WAN), Internet, Intranet, Extranet, and other wired networks, wireless communication networks, and combinations of these transmission media It is also possible to carry it on a carrier wave. Furthermore, the program described above may be a part of another program, or may be recorded on a recording medium together with a separate program.

  As described above, according to the present invention, it is determined whether or not the order content input to the system by the buying and selling procedure agent is appropriate by the external checker in advance before processing the order to the market. Therefore, it is possible to prevent the occurrence of improper securities transactions, and to stop trading transactions that may be disadvantageous for customers at the discretion of external checkers. There is an effect that even a person with little experience can request an agent for a transaction procedure from a transaction procedure agent with a sense of security.

  An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows the overall configuration of a securities trading system 10 according to this embodiment. FIG. 2 is a flowchart showing the overall flow of processing by the securities trading system 10, and FIG. 3 is a flowchart showing the detailed flow of external check processing. FIG. 4 shows a screen example of the trading procedure agent terminal device 20, and FIG. 5 shows a screen example of the external checker terminal device 30.

  In FIG. 1, a securities trading system 10 includes one or a plurality of trading procedure agent terminal devices 20 operated by a securities company or brokerage broker and a third party different from the securities company. One or a plurality of external checker terminal devices 30 operated by an external checker who assists the judgment accompanying the buying and selling transaction of securities by the customer or judges the suitability of the transaction content as an external check, and the securities exchange from the securities company A brokerage server 40 that performs processing related to ordering to the customer, and one or a plurality of internal checker terminal devices 60 operated by an internal checker that monitors the trading transaction that is carried out by a brokerage agent in the brokerage company. And an external check server 70 that performs processing related to external checks including management of customer information used for judgment by an external checker. Eteiru. The securities company server 40 is connected to a securities trading execution system 90 such as a securities exchange system.

  The trading procedure agent terminal device 20 and the securities company server 40 are connected by a network 1 which is a communication line. The external checker terminal device 30 and the external check server 70 are connected by a network 1 that is a communication line. Here, the network 1 is, for example, the Internet, an intranet, an extranet, a LAN, a MAN, a WAN, or a combination thereof, regardless of whether the network 1 is wired or wireless. The securities company server 40 and the external check server 70 are connected by a dedicated line 2 which is a communication line. However, these may be connected not by the dedicated line 2 but by the network 1. On the other hand, part or all of the connection by the network 1 may be performed by a dedicated line.

  The trading procedure agent terminal device 20 is configured by, for example, a computer or the like, and is installed, for example, at a branch of a securities company, a store of a securities broker, or the like. Here, the sales agent is a brokerage salesperson or operator, a brokerage salesperson or operator, etc., which performs procedures related to buying and selling securities based on customer requests (system input procedure). It is an agent. In addition, the securities brokerage company is, for example, a financial institution such as a bank (including a local bank, a credit union, etc.), a company operating a securities brokerage business, or the like. This transaction procedure agent terminal device 20 is a terminal device that is mainly operated by the transaction procedure agent. When confirming the items entered by the transaction procedure agent, the customer confirms according to the request of the transaction procedure agent. For example, the customer may perform an operation when inputting biometric information such as a fingerprint or an iris, or when answering a question.

  The transaction procedure agent terminal device 20 may be configured by a mobile device such as a mobile phone (including PHS) or a personal digital assistant (PDA). In this case, the transaction procedure agent and customer The face-to-face transaction with the customer can be performed, for example, at the customer's home or at a customer's place other than the store of a securities company or a store of a brokerage.

  Further, the transaction procedure agent terminal device 20 is provided with a fingerprint reading means 21 for reading a customer's fingerprint.

  The external checker terminal device 30 is configured by a computer, for example, and is installed in an office of an external check organization such as an audit corporation. Note that the external checker terminal device 30 may be configured by a mobile device such as a mobile phone (including PHS) or a personal digital assistant (PDA). Can also be done on the go.

  Here, an external checker is a person who, in addition to the internal check of a securities company that has been conducted in the past, monitors a securities transaction handled by a trading procedure agent as a third party outside the securities company. A person who plays a role as a so-called second watcher. Such external checkers include, for example, audit corporations, securities-related foundations, lawyers' offices, securities-related or bank-based management companies, or persons in charge (specified or unspecified persons). Can be adopted.

  In the present embodiment, the external checker is a person who has signed a consignment contract regarding external check with the customer. At this time, the customer concludes a contract with an external checker designated by a securities company or brokerage broker (external check organization such as an audit corporation or law firm), but multiple external checks designated by the brokerage firm or brokerage firm. It is preferable to be able to select an external checker who is in charge of an external check on his / her trade order. The customer may make a contract with an external check organization such as an audit corporation or a law firm, or may make a contract with a specific person in charge in the audit firm or law firm. However, in order to avoid delays in processing in the absence of the person in charge, a contract with an external check organization such as an auditing firm or a lawyer's office should be made so that any of them may be in charge of the external check. It is preferable to keep it. Further, at the time of the contract, the customer performs the work of designating his / her acceptable transaction conditions or unacceptable transaction conditions in order to register the customer information in the customer information storage unit 81 as will be described later. It should be noted that an external check may be performed by an external checker who has contracted with a securities company or a brokerage agent without making such a contract for each customer. Moreover, one or one external checker may handle an external check of a sales order made through a plurality of securities companies.

  The securities company server 40 is constituted by one or a plurality of computers, and processing means 40A for performing various processes relating to orders placed on the stock exchange for orders received from customers, and basic customer information connected to the processing means 40A. It comprises a storage means 51, identity verification information storage means 52, biometrics information storage means 53, and customer transaction information storage means 54. This securities company server 40 is a server that is operated and managed by a securities company or its contractor.

  The processing means 40A includes a trade order receiving means 41, a trade order information transferring means 42, an order approval / disapproval information receiving means 43, an order processing means 44, a non-permission information transmitting means 45, an identity confirmation question creating means 46, An answer determination authentication unit 47, a biometric authentication unit 48, and an internal check processing unit 49 are included.

  The trading order receiving means 41 performs processing for receiving information including trading order information transmitted from the trading procedure agent terminal device 20 via the network 1. Here, information including trading order information received by the trading order receiving means 41 includes trading order information transmitted from the trading procedure agent terminal device 20 via the network 1 (for example, in the case of trading of stocks). , Market, brand, quantity (number of shares), execution conditions, order deadline, delivery method, contract notification method, estimated delivery amount, etc., including customer identification information such as customer number.) Check whether fingerprint information as customer's biometric information sent in addition to the information and explanation of the securities to be bought and sold by the buying / buying procedure agent or the buying and selling transactions were properly performed The customer answer information for the explanation status confirmation question (see FIG. 4) and the customer answer information (voice information) for the identity confirmation question are included. Note that the customer's answer information (voice information) to the identity verification question includes voiceprint information as customer biometric information.

  In addition, when the biometrics authentication unit 48 determines that the two pieces of fingerprint information as the biometric information coincide with each other, the purchase order receiving unit 41 determines whether the customer's order for the purchase order information and the explanation status confirmation question (see FIG. 4). The response information is passed to the buying and selling order information transfer means 42 (therefore, passed to the external check information providing means 71 of the external check server 70), and if it is determined that they do not match, the buying and selling order information and the explanation status confirmation question The customer reply information is not passed to the trade order information transfer means 42 (and therefore not passed to the external check information providing means 71 of the external check server 70) (see step S7 in FIG. 2).

  Further, the buying and selling order receiving means 41 transmits the information for presenting the person confirmation question created by the person confirmation question creating means 46 to the buying and selling procedure agent terminal device 20 via the network 1 and the buying and selling procedure agent terminal device 20. The customer's answer information (voice information) to the identity verification question transmitted from the network 1 is received and passed to the answer determination authentication means 47 and the biometric authentication means 48. Then, the buy / sell order receiving unit 41 determines that the response information (response content) matches the identity verification information by the response determination authentication unit 47, and the biometrics authentication unit 53 matches the two voiceprint information. If it is determined, the customer order information and the answer information of the customer to the explanation status confirmation question (see FIG. 4) are passed to the sales order information transfer means 42 (therefore, the external check server 70 provides external check information). If the response information (response content) is determined not to match the identity verification information by the response determination authentication unit 47, or the two voiceprint information does not match by the biometrics authentication unit 48 When the determination is made, the customer order information and the answer information of the customer to the explanation status confirmation question are not passed to the sales order information transfer means 42 ( What it is not passed to the external checking information providing unit 71 of the external check server 70) processing is also performed (see step S14, S16 in FIG. 2).

  Then, the buying and selling order receiving means 41 searches the basic customer information storage means 51 based on the customer identification information included in the buying and selling order information to determine whether the target customer is a member customer or a high grade member customer. (See step S17 in FIG. 2), if the customer is a member customer or a high-grade member customer, the customer's answer information to the purchase order information and the explanation status confirmation question (see FIG. 4) If it is not a member customer or a high-grade member customer, it is passed to the sales order information transfer means 42 (and therefore passed to the external check information providing means 71 of the external check server 70). The customer's response information to the question is not passed to the trading order information transfer means 42 (therefore, the external check information of the external check server 70). Subjected means not passed to 71) also performs processing. In this embodiment, it is determined whether or not the customer is a high-grade specific member customer.

  The trading order information transfer unit 42 transmits the trading order information received by the trading order receiving unit 41 and customer reply information to the explanation status confirmation question (see FIG. 4) to the external check server 70 via the dedicated line 2. Processing is performed (see step S18 in FIG. 2).

  The order acceptance / rejection information receiving unit 43 performs processing for receiving order acceptance / rejection information based on the determination result by the external checker transmitted from the external check server 70 via the dedicated line 2 (step S20 in FIG. 2). reference). The order permission / rejection information receiving unit 43 also performs processing for receiving an order cancellation request signal transmitted from the external check server 70 via the dedicated line 2. In addition, the order identification information (customer identification information may be substituted) for identifying which order is the order permission information or the order cancellation request signal in the order permission information or the order cancellation request signal. included. This order identification information (which may be substituted by customer identification information) is transmitted from the securities company server 40 to the external check server 70 as information included in the trading order information by the trading order information transfer means 42, and the securities company server. Accordingly, the brokerage server 40 receives the trading order information received by the trading order receiving means 41 (temporarily stored in a memory (not shown) of the brokerage company server 40). The order processing means 44 associates information with the order information transmitted.

  The order processing means 44 performs processing for transmitting information relating to ordering to a securities transaction execution system 90 such as a stock exchange system when the order permission information received by the order permission information receiving means 43 is order permission information. (See steps S21 and S22 in FIG. 2). Here, the information related to ordering is information created based on trading order information, and is information having the same contents as trading order information. Further, as the securities trading execution system 90 other than the stock exchange system, there are, for example, a system that handles buying and selling of bonds, a system that handles buying and selling of investment trusts, etc. Depending on the type of information, information on ordering is transmitted to one of these various securities transaction execution systems 90.

  The order processing means 44 also performs processing for transmitting information related to order cancellation to a securities trading execution system 90 such as a stock exchange system when the order permission / rejection information receiving means 43 receives an order cancellation request signal. Further, the order processing means 44 also performs processing for receiving a post-transaction notification from the securities transaction execution system 90 such as a contract notification from the stock exchange system. In the present embodiment, as shown in FIG. 1, the securities company server 40 is directly connected to the securities transaction execution system 90. However, when the securities transaction execution system 90 is a securities exchange system, It may be configured to perform order processing to the stock exchange system and receipt processing of the contract notification via another system, that is, a configuration to request other systems to perform order processing to the stock exchange system and reception processing of the contract notification. .

  When the order acceptance information received by the order acceptance / rejection information receiving unit 43 is information indicating that the order is not permitted, the non-permission information transmission unit 45 is not permitted to place an order to the securities transaction execution system 90 such as a stock exchange system. The information to that effect is transmitted to the transaction procedure agent terminal device 20 via the network 1 (see steps S21 and S23 in FIG. 2).

  Further, the disapproval information transmitting means 45 determines that the answer information of the customer for the identity confirmation question and the information for identity confirmation are not matched by the answer determination authentication means 47 (see step S14 in FIG. 2). A process of transmitting information indicating that the order to the securities trading execution system 90 such as a securities exchange system is not permitted to the trading procedure agent terminal device 20 via the network 1 is also performed.

  Further, the non-permission information transmission unit 45 determines that the biometrics authentication unit 48 determines that the two pieces of fingerprint information as the biometric information do not match (see step S7 in FIG. 2) and the voiceprint as the two pieces of biometric information. When it is determined that the information does not match (see step S16 in FIG. 2), information indicating that the order to the securities trading execution system 90 such as a stock exchange system has been disapproved is sent to the trading procedure agent terminal device. 20 is also transmitted to the network 20 via the network 1.

  The identity confirmation question creating means 46 provides identity confirmation question presenting information for presenting to the customer the identity confirmation question that cannot be answered unless the identity confirmation information is known. The process to create is performed (see step S8 in FIG. 2). At this time, the identity confirmation question creating means 46 randomly selects at least one item from among a plurality of items of the identity confirmation information stored in the identity confirmation information storage means 52, and presents the identity confirmation question presentation information. Create Here, the information for presenting the identity confirmation question is, for example, voice information such as “What is your favorite color?”, Screen display information, or the like.

  The answer determination / authentication unit 47 accepts the purchase order before receiving the customer's reply information to the randomly presented identity confirmation question and the customer identification information or the purchase / order information included in the purchase / order information received by the purchase / order reception unit 41. Identity verification information about the target customer obtained by searching the identity verification information storage means 52 using the customer identification information received from the transaction procedure agent terminal device 20 by means 41 as a key (for identification verification related to the question item) Information) and comparing the response information with the personal identification information to determine whether or not the personal information is matched (see step S13 in FIG. 2). At this time, the answer determination / authentication means 47 is based on the fact that the customer himself / herself should be able to answer immediately, and after the buying and selling order receiving means 41 transmits the identification confirmation question presentation information to the buying and selling procedure agent terminal device 20. Only when the response information is received within a predetermined time, it is determined that the response information and the personal identification information are consistent. In this embodiment, the answer determination / authentication unit 47 receives the customer's answer information for the identity confirmation question as voice information in the trading order accepting unit 41, and performs voice recognition processing on the answer information as the voice information, It is determined whether or not the reply information after the voice recognition processing is consistent with the personal identification information.

  The biometrics authentication unit 48 searches the biometrics information storage unit 53 using the fingerprint information as biometric information received together with the trading order information by the trading order receiving unit 41 and the customer identification information included in the trading order information as keys. The personal authentication process is performed by comparing the fingerprint information 53A as biometric information about the target customer obtained in this way, and determining whether the fingerprint information as these two biometric information matches. (See step S6 in FIG. 2).

  The biometrics authentication unit 48 also includes voiceprint information extracted as biometric information from customer response information (voice information) to the identity confirmation question received by the trading order receiving unit 41 and the trading order received by the trading order receiving unit 41. Obtained by searching the biometrics information storage means 53 using the customer identification information received from the buying and selling procedure agent terminal device 20 by the buying and selling order acceptance means 41 as a key before receiving the customer identification information or buying and selling order information included in the order information. A personal authentication process is also performed in which the voice print information 53B for the target customer is compared to determine whether or not these two voice print information match (see step S15 in FIG. 2).

  The internal check processing unit 49 monitors each customer's transaction and its history stored in the customer transaction information storage unit 54, and automatically uses the customer's account when the transaction or its history satisfies a certain condition. The processing that stops is performed. For example, processing such as stopping the use of an account for a certain period based on the turnover rate within the last 6 months is performed. Further, the internal check processing means 49 provides various transaction information related to the customer in response to a browsing request from the internal checker terminal device 60 by the internal checker, and performs an internal check support process by the internal checker. Furthermore, the internal check processing means 49 performs statistical processing such as purchase trend calculation and tabulation processing for each customer using the data stored in the customer transaction information storage means 54.

  The basic customer information storage means 51 stores basic customer information including whether or not the customer is a member customer or information on the grade of the member customer for each customer in association with the customer identification information.

  The identity confirmation information storage means 52 associates the identity confirmation information used for confirming that the customer who has made a purchase order or the customer who is going to make an identity with the customer identification information for each customer. A plurality of items are registered and stored in advance. Here, the identification information items include, for example, favorite color, favorite food, favorite country, favorite talent, favorite professional baseball team, blood type, constellation, number of siblings, father's hometown, etc. is there.

  The biometric information storage means 53 stores fingerprint information 53A and voiceprint information 53B as customer biometric information in advance for each customer in association with the customer identification information.

  The customer transaction information storage means 54 stores customer transactions and their history in correspondence with customer identification information for each customer. The customer transaction information storage means 54 stores and stores data from the order processing means 44.

  The internal checker terminal device 60 is composed of, for example, a computer and is installed in, for example, the compliance department of the head office of a securities company. The internal checker terminal device 60 and the securities company server 40 are connected by a communication line such as an intranet or a LAN in the securities company. Here, the internal checker is, for example, a person in charge or a person in charge of the compliance department in the securities company. The internal checker terminal device 60 may be configured by a mobile device such as a mobile phone (including PHS) and a personal digital assistant (PDA).

  The external check server 70 is composed of one or a plurality of computers, and includes processing means 70A for performing various processes related to external checks, customer information storage means 81 connected to the processing means 70A, and designated external checker storage means. 85 and securities attribute storage means 86. The external check server 70 is a server that is operated and managed by an external check organization different from the securities company, its supervising organization, or a commissioned organization thereof.

  The processing unit 70A includes an external check information providing unit 71 and an order approval / disapproval information transfer unit 72.

  The external check information providing means 71 receives the trading order information transmitted from the securities company server 40 via the dedicated line 2 and the customer's answer information to the explanation status confirmation question (see FIG. 4), and the trading order by the customer is received. Is notified to the external checker terminal device 30 via the network 1 (see step S1911 in FIG. 3), the customer's answer information to the sales order information and the explanation status confirmation question, and the sales order information. The customer information about the target customer obtained by searching the customer information storage means 81 using the customer identification information included in the key as a key is transmitted as external check information to the external checker terminal device 30 via the network 1. Processing to be provided to the external checker is performed (see step S1916 in FIG. 3). At this time, the external check information providing unit 71 searches the designated external checker storage unit 85 based on the customer identification information included in the sales order information, thereby grasping the external checker who is in charge of the target customer, Transmission to the external checker terminal device 30 is performed.

  Further, the external check information providing unit 71 matches the target customer obtained by searching the compatibility determining information storage unit 83 using the sales order information and the customer identification information included in the sales order information as keys. The information for sex determination is compared to determine whether or not an unacceptable order content is included in the sales order information, and the customer attribute is stored using the sales order information and the customer identification information included in the sales order information as a key. The customer attribute of the target customer obtained by searching the means 84 is compared, and it is determined whether or not order contents that are not allowed are included in the buying and selling order information (see steps S1906 and S1907 in FIG. 3). When an unacceptable order is included, the external checker terminal device 30 outputs an alarm (see FIG. 5) in addition to the external check information. The alarm information also performs processing to transmit over the network 1 to the external checking terminal device 30 (see step S1916 in Fig. 3).

  Further, the external check information providing unit 71 obtains the purchase order information and the transaction conditions for the target customer obtained by searching the transaction condition storage unit 82 using the customer identification information included in the purchase order information as a key. A comparison is made to determine whether or not an unacceptable order content is included in the buy / sell order information (see steps S1903 and S1904 in FIG. 3), and if an unacceptable order content is included, the external checker terminal device 30 is notified. A process of passing the ordering disapproval information as the ordering permission / refusal information to the ordering permission / refusal information transfer means 72 without performing the external check information transmission process (therefore, the process of passing to the ordering permission / refusal information receiving means 43 of the securities company server 40). This is performed (see step S1905 in FIG. 3).

  Then, the external check information providing means 71 obtains the sales order information and the customer information about the target customer obtained by searching the customer information storage means 81 using the customer identification information included in the sales order information as a key. A comparison is made to determine whether or not an unacceptable order content is included in the buying and selling order information (see steps S1903, S1904, S1906, and S1907 in FIG. 3), and the unacceptable order content is not included, and In this case, when the customer has previously selected and designated not to perform the external check by the external checker (see step S1908 in FIG. 3), the external checker terminal device 30 is transmitted with information for external check. Without passing the order permission information to the order permission information transfer means 72 (accordingly, the brokerage server) Pass Ordering permission information receiving means 43 of the 0 process) is also performed (see step S1909 in Fig. 3). In the above case, selection designation information indicating whether or not to perform an external check by an external checker is stored in the customer information storage unit 81 for each customer in association with the customer identification information.

  The external check information providing means 71 is used when the external checker terminal device 30 is not connected to the external check server 70 (installation server of the external check information providing means 71) or to the external checker terminal device 30. In the case where there is no response from the external checker terminal device 30 for a certain period of time in response to the notification that the customer has made a purchase order, the securities related to the purchase order by the customer can be canceled. (See steps S1910 and S1912 in FIG. 3), without waiting for the order approval / disapproval information based on the judgment result by the external checker from the external checker terminal device 30, the order approval information is placed as the order approval / disapproval information. Processing to pass to the permission information transfer means 72 (thus, processing to pass to the order permission information receiving means 43 of the securities company server 40) is also performed. . At this time, the external check information providing means 71 determines whether the securities related to the buying and selling orders by the customer are the securities that can be canceled or not using the securities type identification information about the securities relating to the buying and selling orders as a key. The securities attribute storage means 86 can be searched and grasped. Further, in this case, the external check information providing means 71 transmits a notification for determining whether or not to cancel the order to the external checker terminal device 30 via the network 1 (step S1922 in FIG. 3). (Refer to) When an order cancel request signal transmitted from the external checker terminal device 30 via the network 1 is received by the external checker, a process of passing the order cancel request signal to the order acceptance / rejection information transfer means 72 (see FIG. Therefore, the processing to be passed to the order acceptance / rejection information receiving means 43 of the securities company server 40 is also performed (see step S1925 in FIG. 3).

  The order approval / disapproval information transfer means 72 receives the order approval / disapproval information based on the judgment result by the external checker transmitted from the external checker terminal device 30 via the network 1, and the order approval / disapproval information is dedicated to the securities company server 40. The transfer process is performed via the line 2 (see steps S1920 and S1921 in FIG. 3).

  Further, the order approval / disapproval information transfer means 72 also performs a process of transferring the order approval / disapproval information passed from the external check information providing means 71 to the securities company server 40 via the dedicated line 2. Further, the order approval / disapproval information transfer means 72 also performs processing for transferring the order cancellation request signal passed from the external check information providing means 71 to the securities company server 40 via the dedicated line 2 (see step S1925 in FIG. 3). ).

  The customer information storage unit 81 stores customer information for each customer, and includes a transaction condition storage unit 82, suitability determination information storage unit 83, and customer attribute storage unit 84. .

  The transaction condition storage means 82 stores an acceptable transaction condition designated in advance by the customer for each customer in association with the customer identification information. Here, the transaction conditions are conditions related to trading volume, brand, amount, transaction type (option, futures, margin trading, etc.), for example, A company shares are not purchased and trading of 5 million yen or more per day There are conditions such as not performing, no market order. This transaction condition is specified by the customer at the time of contract between the customer and the external checker, for example.

  The suitability judgment information storage means 83 associates the suitability judgment information for judging whether or not the transaction is suitable for the customer's suitability including compliance with the conformity principle with the customer identification information. Is stored for each customer. Here, the information for suitability determination includes, for example, information that the customer is an elderly person 70 years or older, information that the customer's investment experience is less than one year, and the status of the customer's property. The information for determining suitability may be information obtained from the declaration, description, and explanation of the customer by the external checker when contracting between the customer and the external checker, or may be information provided by a securities company.

  The customer attribute storage means 84 stores customer attributes including customer purchase trends in correspondence with customer identification information for each customer. Here, customer attributes are, for example, that there are few purchases of stocks, and there are many buying and selling of stocks of IT companies. Such as data on the purchase trend of customers who have never performed data, data obtained through statistical processing, and the like. The data relating to the customer attribute is, for example, data obtained by analyzing the accumulated data in the customer transaction information storage means 54 of the securities company server 40, and is provided from the securities company or stored in the external check server 70. This data is collected and analyzed independently by the operating entity.

  The designated external checker storage unit 85 associates an external checker designated by the customer as a person who performs an external check on his / her purchase order (in this embodiment, an external checker contracted by the customer) with the customer identification information. Is stored for each customer.

  The securities attribute storage means 86 displays the attributes of each securities including whether or not various securities such as stocks and bonds are securities whose order can be canceled, as securities type identification information (for example, securities type codes and brands). Code) and the like.

  The means 41 to 49 included in the processing means 40A of the securities company server 40 and the means 71 and 72 included in the processing means 70A of the external check server 70 include the securities company server 40 and the external check server 70, respectively. A central processing unit (CPU) provided in each computer main body (not only a personal computer but also its higher model) and one or a plurality of the operating procedures of the CPU are defined. Realized by a program.

  The storage units 51 to 54 of the securities company server 40 and the storage units 81 to 86 of the external check server 70 are preferably realized by, for example, a hard disk or the like, but there are problems in storage capacity, access speed, and the like. If not, ROM, EEPROM, flash memory, RAM, MO, CD-ROM, CD-R, CD-RW, DVD-ROM, DVD-RAM, FD, magnetic tape, or a combination of these May be.

  In the present embodiment as described above, the securities trading system 10 performs processing of securities trading transactions that occur in association with the agency of the buying and selling order input procedure by the buying and selling procedure agent based on the request of the customer as follows. Is called.

  First, a customer goes to a securities company store or a brokerage store. A salesperson (a trading procedure agent) of a securities company or a brokerage agent may go to a customer's location with a mobile device that can be the trading procedure agent terminal device 20. In the case of a securities intermediary, it is assumed that a business consignment contract has been concluded with a securities company in advance.

  Subsequently, the buying and selling agent performs solicitation and explanation regarding the securities buying and selling transaction to the customer. At this time, if the customer uses the securities company for the first time and conducts a securities transaction, the customer applies for an account opening with the securities company. In the case of a brokerage agent for brokerage brokerage, the brokerage agent applies for opening an account with a brokerage firm. The securities company then opens an account for the customer.

  In addition to the above account opening procedure, the customer selects whether to become a member or a member grade. In the present embodiment, as an example, when a member (paid) becomes a member, a personal authentication process is performed by the answer determination authentication unit 47 or the biometrics authentication unit 48, and a high-grade specific member (paying a higher member fee than usual) is performed. Then, an external check process by an external checker (second watcher) is further performed. It should be noted that, without such selection, the personal authentication processing by the answer determination authentication means 47 and the biometrics authentication means 48 may be performed for all customers, or the external check process by an external checker may be performed.

  Furthermore, when a customer becomes a specific member, he / she performs a procedure regarding an external check. In this external check procedure, the customer selects one or one external checker from among a plurality of external checkers designated by a securities company or brokerage agent as the external checker in charge of the external check for his / her order. Designate and sign a contract with this external checker regarding external checks. Here, the external checker selected and designated by the customer is registered in the designated external checker storage means 85.

  In addition, when a customer becomes a specific member, he / she decides and applies for an acceptable transaction condition or an unacceptable transaction condition. This transaction condition is registered in the transaction condition storage means 82. If necessary, the property status, investment experience, etc. are reported and registered in the suitability judgment information storage means 83.

  Further, when the customer becomes a member, the customer registers the fingerprint or voiceprint in the biometric information storage means 53. If the customer does not want to collect fingerprints or voiceprints, the customer does not have to register them. In that case, the biometric authentication process using biometric information that has not been registered is omitted. The

  After performing the above pre-processing, the sales procedure agent starts the sales order procedure on behalf of the customer. In the case of a customer who is not the first, the above procedures are omitted, and the buying and selling agent only needs to solicit and explain the securities buying and selling transaction to the customer.

  In FIG. 2, the buying and selling procedure agent operates the buying and selling procedure agent terminal device 20 and inputs a buying and selling order based on the request of the customer (step S1). When the sales procedure agent finishes inputting the sales order, an order content confirmation screen 100 as shown in FIG. 4 is displayed on the screen of the sales procedure agent terminal device 20.

  In FIG. 4, on the order content confirmation screen 100, an order content display unit 110 for displaying the order content input by the buying and selling procedure agent, and the explanation of the securities to be bought and sold by the buying and selling procedure agent to the customer or the trading transaction thereof. There is provided an explanation status confirmation question display section 120 for displaying an explanation status confirmation question for confirming whether or not the information has been properly performed.

  For example, in the case of stocks, the order details display unit 110 displays the market, brand, quantity, execution condition, order deadline, delivery method, contract notification, estimated delivery amount estimate, and the like.

  In the explanation status confirmation question display section 120, a “Yes” button 121 and a “No” button 122 for answering the question “Have you received sufficient explanation from the salesperson?” “Yes” button 123 and “No” button 124 for answering the question “Did you understand?” And “Order” button 125 for executing the order are provided. Moreover, since the screen of the transaction procedure agent terminal device 20 is a touch panel screen, the customer can answer the question by pressing the screen with a finger or the like. In the example of FIG. 4, the number of explanation status confirmation questions is two, but may be three or more, or may be one. In addition to the above examples, for example, “Did you receive an explanation about the risk?”, “Did you receive an assertive solicitation?”, “Did you receive an explanation of the fee?”, “ You may ask questions such as “Did you receive a solicitation?”

  Then, on the screen 100 of FIG. 4, the customer confirms that the order content is the content intended by referring to the order content display unit 110, and then selects either “Yes” button 121 or “No” button 122. And then press either the “Yes” button 123 or the “No” button 124 (step S2 in FIG. 2). Then, the customer presses the “order” button 125 with his / her finger placed on the fingerprint reading means 21.

  Then, the fingerprint reading means 21 reads the customer's fingerprint (step S3), and the customer's answer information to the sales order information, fingerprint information, and explanation status confirmation question is transmitted to the securities company server 40 via the network 1 ( Step S4). The sales order information includes customer identification information (customer ID, customer number, etc.).

  In the securities company server 40, the buying and selling order receiving means 41 receives the buying and selling order information, the fingerprint information, and the customer reply information to the explanation status confirmation question, and receives the order (step S5). Then, the sales order receiving means 41 passes the sales order information and fingerprint information to the biometric authentication means 48.

  Then, the biometrics authentication unit 48 uses the fingerprint information received by the trading order receiving unit 41 and the customer identification information included in the trading order information as a key for the target customer obtained by searching the biometrics information storage unit 53. Is compared with the fingerprint information 53A (step S6), and it is determined whether or not these two pieces of fingerprint information match (step S7).

  In step S7, if the biometrics authentication unit 48 determines that the two fingerprint information (biometrics information) does not match, the biometrics authentication unit 48 determines that the order is not permitted and rejects it. A signal is sent to the permission information transmitting means 45, and the process proceeds to a non-permission information transmission process in step S23 described later. As a result, the sales order receiving means 41 passes the customer order information and the answer information of the customer to the explanation status confirmation question (see FIG. 4) to the sales order information transferring means 42 (accordingly, the external check of the external check server 70). Is passed to the service information providing means 71).

  On the other hand, if it is determined in step S7 that the two pieces of fingerprint information (biometric information) match by the biometric authentication means 48, the purchase order accepting means is provided on the condition that other requirements are satisfied in the following processing. 41 is to deliver the customer order information and the answer information of the customer to the explanation status confirmation question to the trading order information transfer means 42 (and therefore to the external check information providing means 71 of the external check server 70).

  Subsequently, identity verification question presenting information about a random item is created by the identity verification question creating means 46, and this identity confirmation question presenting information is exchanged via the network 1 by the sales order accepting means 41. It is transmitted to the terminal device 20 (step S8 in FIG. 2).

  When the transaction procedure agent terminal device 20 receives the information for presenting the identity confirmation question, for example, a voice output and a screen display for an identity confirmation question such as “What is your favorite color?” Are performed (steps). S9) The customer inputs the answer to the identity confirmation question by voice. And the reply information of the customer with respect to this identity confirmation question is transmitted to the securities company server 40 via the network 1 (step S10).

  In the securities company server 40, when the customer order information is received by the trading order acceptance means 41 (step S11), the question transmission time and the answer are received from the trading order acceptance means 41 to the answer determination authentication means 47. Time data is passed, and the response determination / authentication unit 47 determines whether or not the trade order receiving unit 41 has received a response within a predetermined time (step S12).

  In step S12, when the response determination authentication unit 47 determines that the trading order reception unit 41 has not received a response within a predetermined time, the response determination authentication unit 47 has placed the order. It is determined that the person is not the customer, and the same handling is performed as when the answer information and the identification information are not consistent. That is, it is determined that the order is not permitted, a signal is sent to the non-permission information transmission means 45, and the process proceeds to a non-permission information transmission process in step S23 described later.

  On the other hand, if it is determined by the response determination / authentication unit 47 in step S12 that the trade order receiving unit 41 has received the response within a predetermined time, the response determination / authentication unit 47 determines whether the customer response information ( After performing voice recognition processing on the voice information), the response information (answer contents) after the voice recognition processing and customer identification information included in the sales order information received by the sales order receiving means 41 are used as a key for identity verification. The identification information (identification information relating to the question item) for the target customer obtained by searching the information storage means 52 is compared (step S13 in FIG. 2), and the response information (response content) and identification are confirmed. It is determined whether the usage information is consistent (step S14).

  In step S14, if it is determined by the response determination / authentication unit 47 that the response information (response content) and the identity verification information do not match, the response determination / authentication unit 47 disallows the ordering. Is sent to the non-permission information transmission means 45, and the process proceeds to a non-permission information transmission process in step S23 described later.

  On the other hand, if it is determined by the response determination / authentication unit 47 in step S14 that the response information (response content) matches the identity verification information, the biometrics authentication unit 48 performs the purchase / order reception unit 41. Biometrics information storage means 53 using voice print information extracted from customer answer information (voice information) for the identity confirmation question received by the key and customer identification information included in the trade order information received by the trade order acceptance means 41 as keys. Is compared with the voice print information 53B for the target customer obtained by searching (step S15 in FIG. 2), and it is determined whether or not these two voice print information are matched (step S16).

  In step S16, if the biometrics authentication unit 48 determines that the two voiceprint information does not match, the biometrics authentication unit 48 determines that the order is not permitted, and rejects the information. A signal is sent to the transmission means 45, and the process proceeds to a non-permission information transmission process in step S23 described later.

  On the other hand, if the biometrics authentication unit 48 determines in step S16 that the two voiceprint information matches, the purchase order receiving unit 41 uses the customer identification information included in the purchase order information as a key. The customer basic information storage means 51 is searched to determine whether or not the target customer is a specific member customer (step S17 in FIG. 2).

  In step S17, when the purchase order receiving means 41 determines that the target customer is not a specific member customer, the customer's answer information to the purchase order information and the explanation status confirmation question (see FIG. 4) is Without passing to the order information transfer means 42 (and therefore not to the external check information providing means 71 of the external check server 70), the process proceeds to the order processing in step S22 described later.

  On the other hand, if the target customer is determined to be the specific member customer by the sales order receiving means 41 in step S17, the sales order receiving means 41 receives the customer order information and the answer information of the customer to the explanation status confirmation question. Then, it is transferred to the trading order information transfer means 42 (step S18 in FIG. 2).

  Subsequently, the buying and selling order information transfer means 42 transmits the buying and selling order information and the answer information of the customer to the explanation status confirmation question to the external check server 70 via the dedicated line 2, thereby providing the external check information providing means 71. To pass.

  Then, communication is performed between the external check server 70 and the external checker terminal device 30, and processing related to the external check for the sales order is performed (step S19 in FIG. 2). A detailed flow of the processing related to the external check is shown in FIG.

  In FIG. 3, in the external check server 70, the external check information providing means 71 receives the purchase order information and the answer information of the customer to the explanation status confirmation question (see FIG. 4) (step S1901), and then the purchase order information. The customer information storage means 81 is searched using the customer identification information contained in the key as a key, the transaction conditions designated by the target customer are obtained from the transaction condition storage means 82, and the target customer is obtained from the compatibility determination information storage means 83. And the customer attribute for the target customer is acquired from the customer attribute storage unit 84 (step S1902).

  Subsequently, the external check information providing means 71 compares the sales order information with the transaction conditions for the target customer obtained by searching the transaction condition storage means 82 based on the customer identification information included in the sales order information. (Step S1903), it is determined whether or not order contents that are not allowed for the buy / sell order information are included (Step S1904).

  At this time, in the comparison process based on the transaction conditions, for example, the transaction condition storage means 82 stores 5 million yen as an allowable transaction amount for one transaction, and the purchase / order information includes a purchase / transaction amount of X 10,000 yen. X million yen may be included directly (or X 10,000 yen may be calculated as a result of multiplying the unit price and the number of shares, etc.) It is determined whether or not the price is 5 million yen or less, and if X million yen is 5 million yen or less (for example, X = 3 million yen, etc.), the order contents are acceptable in view of the transaction conditions. (There is still a possibility that it is determined that the order contents are not acceptable in view of other transaction conditions.) On the other hand, when X million yen exceeds 5 million yen (for example, X = 6 million yen) In the case of the It is determined that there is.

  If, in step S1904, the contents of an order that is not permitted in view of the transaction conditions are included, the order approval / disapproval information is set as order disapproval information, which is passed to the order approval / disapproval information transfer means 72 (step S1905), which will be described later The process proceeds to the transfer processing of ordering permission / denial information in step S1921. Accordingly, in this case, the information indicating that the order is not permitted is transferred to the order permission / denial information transfer means 72 as the order permission information without performing the process of transmitting the external check information to the external checker terminal device 30 (accordingly, the securities) It is passed to the order acceptance / rejection information receiving means 43 of the company server 40).

  On the other hand, if it is determined in step S1904 that there are no unacceptable order contents in view of the transaction conditions, the external check information providing means 71 uses the sales order information and the customer identification information included in the sales order information as keys. The suitability judgment information storage means 83 is compared with the suitability judgment information about the target customer obtained, and the buy / sell order information and the customer identification information included in the buy / sell order information are used as keys. The customer attribute storage means 84 is compared with the customer attribute of the target customer obtained (step S1906), and the order contents that are not allowed for the sales order information in terms of the suitability determination information and the customer attribute are included. It is determined whether or not (step S1907).

  At this time, in the comparison process based on the suitability determination information, for example, information indicating that the patient is 70 years old or older (an elderly flag may be set or the age itself may be stored in the suitability determination information storage unit 83. .) Is stored, and if the transaction order information does not include transactions inappropriate for the elderly, it is determined that the order content is acceptable in view of the information for determining suitability (other suitability) There is still a possibility that it is judged that the order contents are unacceptable from the viewpoint of judgment information.) On the other hand, if the trading order information includes transactions inappropriate for the elderly, this conformance It is determined from the sex determination information that the order content is not acceptable. It should be noted that the conditions for determining whether or not the transaction is inappropriate for the elderly (such as the type of transaction inappropriate for the elderly) are provided in a separate table (in this case, all customers who are elderly). It may be stored in a common table) or may be stored in the suitability determination information storage means 83 for each customer.

  Further, in the comparison process based on the customer attribute, for example, information indicating that there has been no stock purchase in the past in the customer attribute storage means 84 (a stock purchase no flag may be set, an average value of the number of stock purchases within a predetermined period, etc. Is stored and the purchase order information includes bond purchase information, it is determined that the order is acceptable from the viewpoint of this customer attribute (allowable from the viewpoint of other customer attributes). There is still a possibility that it is determined that the order content cannot be obtained.) On the other hand, if the buy / sell order information includes stock purchase information, it is an unacceptable order content in view of this customer attribute. It is judged.

  In step S1907, when neither of the acceptable order contents is included as seen from the suitability determination information or the customer attribute, the external check information providing means 71 determines the customer identification included in the buy / sell order information. The customer information storage means 81 is searched using the information as a key. When the customer is in such a case (when the customer information stored in the customer information storage means 81 does not include any unacceptable order contents) It is ascertained whether or not an external check by an external checker has been selected and designated in advance (step S1908). Then, when the customer is in such a case (when the customer information stored in the customer information storage means 81 does not include any unacceptable order contents), the external checker selects to omit the external check If so, the external check information providing means 71 uses the order permission information as order permission information and passes it to the order permission information transfer means 72 (step S1909), and the order permission information in step S1921 described later. Move on to transfer processing. Accordingly, in this case, the order permission information is passed to the order permission information transfer means 72 without performing the external check information transmission processing to the external checker terminal device 30 as the order permission information (accordingly, the securities). It is passed to the order acceptance / rejection information receiving means 43 of the company server 40).

  On the other hand, in step S1907, if any of the unacceptable order contents are included in view of suitability determination information and customer attributes, or in step S1908, the customer selects and specifies that the external check by the external checker is omitted. If not, the external check information providing means 71 determines whether or not the external checker terminal device 30 is connected to the external check server 70 (the installation server of the external check information providing means 71). At the same time, the securities attribute storage means 86 is searched using the securities type identification information related to the trading order as a key, and it is determined whether or not the securities related to the trading order by the customer are securities whose order can be canceled (step S1910). .

  In step S1910, the external checker information providing means 71 is in a state where the external checker terminal device 30 is not connected to the external check server 70, and the securities related to trading orders by the customer can be canceled. If it is determined that the product is a security, the external check information providing unit 71 does not wait for the order approval / disapproval information based on the determination result by the external checker from the external checker terminal device 30, and waits for the order approval / disapproval information. The order permission information is provided to the order permission information transfer means 72 (step S1909), and the process proceeds to order permission information transfer processing in step S1921 described later.

  On the other hand, in step S1910, the external checker information providing means 71 is in a state where the external checker terminal device 30 is connected to the external check server 70, or the securities related to the trading order by the customer can be canceled. When it is determined that the security is not a security, the external check information providing unit 71 notifies the external checker terminal device 30 via the network 1 that there is a purchase order by the customer ( Step S1911). At this time, the external check information providing means 71 searches the designated external checker storage means 85 using the customer identification information included in the sales order information as a key, thereby grasping the external checker who is in charge of the target customer. Then, the external checker terminal device 30 is notified.

  Here, after the notification to the external checker terminal device 30, the external check information providing means 71 has no response from the external checker terminal device 30 for a certain period of time, and the securities related to the trading order by the customer can be canceled. If it is determined that the order is a valid security (step S1912), the order permission information is used as order permission information without waiting for the order permission information based on the determination result by the external checker from the external checker terminal device 30; This is transferred to the order permission information transfer means 72 (step S1909), and the process proceeds to the order permission information transfer process of step S1921 described later.

  On the other hand, when the external checker terminal device 30 is connected to the external check server 70 and is in a standby state, the external checker terminal device 30 displays a notification that there is a purchase order by the customer (step) S1913). The display of this notification is, for example, a blinking display of an icon. When an external checker who is on standby clicks on an icon, for example, a part (summary or the like) of the contents of a sales order by a customer is displayed on the screen.

  Thereafter, the external checker operates the external checker terminal device 30 to make a request for acquiring detailed information about the external check information including the purchase order information by the customer (step S1914). The detailed information acquisition request signal is transmitted to the external check server 70 via the network 1 and received by the external check information providing unit 71 (step S1915).

  Subsequently, the external check information providing unit 71 uses the customer order information and the customer response information for the explanation status confirmation question (see FIG. 4) and the customer identification information included in the sales order information as a key, and the customer information storage unit 81. The customer information about the target customer obtained by searching for is transmitted to the external checker terminal device 30 as external check information via the network 1 and provided to the external checker (step S1916 in FIG. 3). . At this time, if any of the order contents that are not permitted in view of suitability determination information and customer attributes are included, in addition to the external check information, an alarm is output by the external checker terminal device 30 (see FIG. 5). Is transmitted to the external checker terminal device 30 via the network 1. Then, an external check screen 130 as shown in FIG. 5 is displayed on the screen of the external checker terminal device 30 as compared with the display of detailed information (first icon blinking display and part of the purchase order contents (summary etc.). It is displayed as a screen showing details (step S1917).

  In FIG. 5, the external check screen 130 includes an order detail display unit 140 that displays customer order details based on sales order information, a contact information display unit 150 that displays customer contact information based on customer information, and an explanation. An answer display unit 160 that displays the customer's answer based on the answer information to the situation confirmation question (see FIG. 4), and the suitability determination information and the customer attribute based on the customer information and the alarm information added thereto are inappropriate. An alarm display unit 170 for displaying that there is a possibility that the transaction is likely to be a transaction, and a detailed information browsing unit 180 for enabling more detailed information to be referred to for transaction conditions, suitability determination information, and customer attributes, An order acceptance / rejection selection unit 190 is provided. In addition, although illustration is abbreviate | omitted, a customer's name and customer identification information are also displayed.

  For example, in the case of stocks, the order details display unit 140 displays the market, brand, quantity, execution condition, order deadline, delivery method, contract notification, estimated delivery amount estimate, and the like.

  The contact address display unit 150 displays, for example, a telephone number or an e-mail address that is a contact address of the customer.

  The answer display unit 160 responds to the explanation status confirmation question in FIG. 4 and answers 161 to the question “Have you received sufficient explanation from the salesperson?” And “Did you understand the explanation of the salesperson?” Answer 162 to the question is displayed.

  The alarm display unit 170 displays, for example, a message 171 indicating that there is a possibility of not complying with the suitability principle and the reason, and a message 172 indicating that there is a possibility that the user attribute may not be met.

  The detailed information browsing unit 180 includes, for example, a “view transaction condition details” button 181 for referring to the details of the transaction conditions, and “compatibility determination information” for referring to the details of the compatibility determination information. A “view details” button 182 and a “view details of customer attributes (purchase trend etc.)” button 183 for referring to details of customer attributes are provided.

  The order acceptance / rejection selection unit 190 is provided with a “permit” button 191 for permitting the order and a “non-permit” button 192 for not permitting the order.

  In the external check screen 130 of FIG. 5, the external checker refers to the order content display unit 140, the response display unit 160, and the alarm display unit 170, and further clicks each button 181 to 183 in the detailed information browsing unit 180. Refer to the details of customer information (transaction conditions, conformity judgment information, customer attributes) as appropriate. Then, the external checker refers to the contact display unit 150, contacts the customer with a mobile phone or the like as necessary, and describes the background of ordering the transaction, how to explain and the attitude of the sales procedure agent, etc. And confirming whether or not the ordering is permitted, and clicks one of buttons 191 and 192 (step S1918 in FIG. 3). Then, order approval / disapproval information is transmitted from the external checker terminal device 30 to the external check server 70 via the network 1 (step S1919).

  In the external check server 70, the order acceptance / rejection information transfer means 72 receives the order acceptance / rejection information (step S1920), and transmits the received order acceptance / rejection information to the securities company server 40 via the dedicated line 2 (step S1921).

  Further, in the external check server 70, when the external checker terminal device 30 is in a disconnected state or there is no response from the external checker terminal device 30 by the external check information providing means 71, an order is placed. When it is confirmed that the securities are revocable and the order permission information is transferred to the order permission information transfer means 72 as the order permission information (step S1909 in FIG. 3), the external check information providing means 71 A notification for determining whether or not to cancel the order is transmitted to the external checker terminal device 30 via the network 1 (step S1922).

  Then, in the external checker terminal device 30, this order cancellation determination prompt notification is displayed on the screen (step S1923). At first, for example, when the external checker clicks on the icon by blinking the icon or the like, for example, a part of the order contents (summary or the like) is displayed. Then, the external checker refers to the screen displaying the detailed information corresponding to FIG. 5 as necessary, and communicates with the customer via a mobile phone as necessary to cancel the order. In order to cancel the order, an order cancellation request signal is transmitted from the external checker terminal device 30 to the external check server 70 via the network 1 (step S1924).

  When the external check server 70 receives the order cancellation request signal from the external check information providing means 71, the external check server 70 passes this signal to the order approval / disapproval information transfer means 72. Transmit via line 2 (step S1925).

  In FIG. 2, in the securities company server 40, when the order permission / rejection information receiving unit 43 receives the order permission / rejection information transmitted from the external check server 70 by the order permission / rejection information transfer unit 72 in step S1921 of FIG. In step S20 in FIG. 2, it is determined whether the received order permission information is order permission information (step S21). If the order permission information is order permission information, the order processing means 44 uses the stock exchange system or the like. The order processing to the securities transaction execution system 90 is performed (step S22). On the other hand, if it is not order permission information, a signal is sent from the order permission / rejection information receiving means 43 to the disapproval information transmitting means 45, and the disapproval information transmitting means 45 converts the order disapproval information into a trading procedure agent terminal device. 20 is transmitted to the network 20 via the network 1 (step S23).

  When the ordering disapproval information is received in the buying and selling procedure agent terminal device 20, this is displayed on the screen (step S24), so that the buying and selling procedure agent refers to this and the order for which he / she performed the input procedure You can know the fact that the content was not approved. Therefore, the sales procedure agent can take measures such as re-procedure under different conditions or adding explanation to the customer.

  According to this embodiment, there are the following effects. In other words, the securities trading system 10 accepts a trading order transmitted from the trading procedure agent terminal device 20 at the securities company server 40, transmits this trading order information to the external check server 70, and the external check server. 70, external check information including buy / sell order information can be transmitted to the external checker terminal device 30, so that the external checker can assist the customer in making a decision regarding the buying and selling of securities or whether the transaction contents are appropriate or not. It is possible to provide information necessary for the determination.

  Based on the determination result by the external checker, the order approval / disapproval information can be transmitted from the external checker terminal device 30 to the external check server 70 and further transferred from the external check server 70 to the securities company server 40. Only when the ordering permission / denial information is ordering permission information, the securities company server 40 can perform processing related to ordering.

  Therefore, since the order contents input to the system 10 by the trading procedure agent are determined by the external checker in advance before the ordering process to the market, it is determined whether or not it is appropriate. Unlike corrective recommendations and compliance checks, it is possible to prevent the occurrence of inappropriate securities transactions. For example, prevention of prohibited acts such as unauthorized trading, honesty, fairness principle, conformity principle, etc., investment solicitation, assertive solicitation, recommended sales, improper explanation or solicitation such as insufficient risk explanation It is possible to prevent the occurrence of transactions by mistakes and errors.

  For this reason, it is possible to cancel trading transactions that would be disadvantageous to the customer at the discretion of the external checker. Can be requested.

  Further, the external check information providing means 71 is configured to transmit the alarm information by comparing the buy / sell order information and the suitability determination information, so that the order content may be a transaction that does not comply with the suitability principle or the like. When there is a possibility, an alarm is displayed on the external checker terminal device 30 to inform the external checker of the fact that the transaction may be inappropriate. For this reason, it is possible to more reliably prevent transactions that do not comply with the conformity principle.

  Further, the external check information providing means 71 is configured to transmit the alarm information by comparing the purchase order information with the customer attribute (purchase trend, etc.), so that the order content does not match the customer attribute. When there is a possibility, an alarm is displayed on the external checker terminal device 30 to inform the external checker of the fact that there is a possibility of an inappropriate transaction. For this reason, it is possible to more reliably prevent transactions that do not match customer attributes.

  And since the external check information providing means 71 is configured to automatically determine that the order is not permitted when the transaction conditions specified in advance are not satisfied, the transaction conditions specified in advance by the customer are not satisfied. In addition to preventing transactions, it is possible to avoid delays in processing due to the judgment of the external checker even when it is certain that the transaction is inappropriate.

  Also, the external check information providing means 71 selects and designates the customer that has been made in advance when the contents of the order that are not allowed for the sales order information are not included in the customer information stored in the customer information storage means 81. Therefore, it is possible to avoid delays in processing due to the determination by the external checker even when the contents of an unacceptable order are not included. .

  Further, since the securities trading system 10 includes the disapproval information transmitting means 45, it is possible to inform the trading procedure agent that the order has been disapproved because the transaction is an inappropriate transaction. . For this reason, it is possible to alert the transaction procedure agent, and based on the result, the transaction procedure agent may change the order contents and perform the re-procedure, add explanation to the customer, etc. it can.

  The securities trading system 10 includes the biometrics authentication unit 48 and the biometrics information storage unit 53. Therefore, by performing biometrics authentication, the trading order transmitted from the trading procedure agent terminal device 20 is performed. It can be confirmed whether or not the information belongs to the customer. For this reason, it is possible to prevent unauthorized purchases and the like.

  Further, the external check information providing means 71 is configured to transmit, to the external checker terminal device 30 as external check information, customer reply information to the explanation status confirmation question (see FIG. 4) as well as buy / sell order information. Therefore, the external checker can grasp the situation when the customer receives an explanation from the sales procedure agent, and can obtain an effective determination material as to whether or not the transaction is appropriate. In addition, since the customer's answer to the explanation status confirmation question is input by the customer in front of the buying and selling procedure agent at the buying and selling procedure agent terminal device 20, inappropriate explanation or solicitation such as affirmative solicitation or recommended sales The deterrent effect can also be obtained.

  Furthermore, since the customer's answer information to the explanation status confirmation question is transmitted from the trading procedure agent terminal device 20 together with the biometric information, it can be determined that the answer information is by the customer himself / herself. Reliable judgment materials can be obtained.

  Since the securities trading system 10 includes the identity verification question creating means 46, the answer determination authentication means 47, and the identity verification information storage means 52, the identity verification question can be made and the identity authentication can be performed. Thus, it is possible to confirm whether or not the sales order information transmitted from the sales procedure agent terminal device 20 is that of the customer. For this reason, it is possible to prevent unauthorized purchases and the like.

  Further, the answer determination authentication means 47 matches the answer information with the person confirmation information only when the trade order receiving means 41 receives the answer information within a predetermined time after transmitting the person confirmation question presenting information. Therefore, it is possible to prevent spoofing by a transaction procedure agent, improve the reliability of the answer information for the identity verification question, and improve the accuracy of identity authentication.

  Further, the identity confirmation question creating means 46 is configured to create at least one item from among a plurality of items at random and create the information for presenting the identity confirmation question. This makes it even more difficult to prevent such frauds more reliably, and further improves the reliability of the answer information for identity verification questions and the accuracy of identity authentication. .

  Then, the securities trading system 10 uses authentication information based on the response content obtained by the speech recognition process and the voice print obtained from the response information (voice information) using the response information (voice information) to the identity confirmation question. Since biometrics authentication is performed, the accuracy of personal authentication can be improved by multiplexing authentication, and for the customer, only one type of input is required to perform two types of authentication. Can be saved.

  Further, the external check information providing means 71 permits order placement for securities whose order can be canceled when the external checker terminal device 30 is not connected or there is no response from the external checker terminal device 30 for a predetermined time. In this case, it is possible to avoid the disadvantage of the customer due to processing delay even in the situation where the judgment by the external checker cannot be obtained immediately. Since the automatic determination of the order approval is limited to securities that can be canceled, even if the transaction for which the automatic determination of the order permission was originally a transaction that would not permit the order, The original processing can be recovered by performing the above.

  Further, the external check information providing means 71 transmits a notification for determining whether or not to cancel the order to the external checker terminal device 30, and an order cancellation request signal from the external checker terminal device 30 by the external checker. Therefore, the recovery process of the original process can be performed easily and smoothly even when the order permission is automatically determined for a transaction that is originally not permitted to be ordered.

  The purchase / order receiving means 41 is configured to automatically distribute the necessity of external check based on whether the customer is a member customer or a high-grade member customer. It is possible to avoid transmission of external check information to the external checker terminal device 30 for unnecessary customers. For this reason, it is possible to realize an external check process that targets only a customer that requires an external check, and it is possible to avoid a processing delay for a customer that does not require an external check.

  Note that the present invention is not limited to the above-described embodiment, and modifications and the like within a scope where the object of the present invention can be achieved are included in the present invention.

  That is, in the above embodiment, the external check information is provided to the external checker by the external check information providing means 71 provided in the external check server 70 (see FIG. 1). As shown in the securities trading system 200 shown in FIG. 4, the information may be performed by the external check information providing unit 242 provided in the securities company server 240.

  In FIG. 6, the securities trading system 200 includes a trading procedure agent terminal device 220 having a fingerprint reading unit 221, an external checker terminal device 230, a securities company server 240 connected to the stock exchange system 290, And an internal checker terminal device 260. This securities trading system 200 is different from the securities trading system 10 of the embodiment in that a server corresponding to the external check server 70 of the embodiment is not provided.

  The securities company server 240 has a processing unit 240A, a customer basic information storage unit 251, a personal identification information storage unit 252, a biometric information storage unit 253 that stores fingerprint information 253A and voiceprint information 253B connected to the processing unit 240A. , Customer transaction information storage means 254, designated external checker storage means 255, securities attribute storage means 256, and customer information storage means 281 (transaction condition storage means 282, suitability judgment information storage means 283, customer attribute storage means 284) And is configured. The securities company server 240 includes designated external checker storage means 85, securities attribute storage means 86, and customer information storage means 81 (transaction condition storage means 82, conformity) provided in the external check server 70 of the embodiment. The storage means 255, 256, 281 (282, 283, 284) corresponding to the sex determination information storage means 83 and the customer attribute storage means 84) are provided in the securities trading system 10 of the above embodiment. Different from the case. This is because information for external check is provided from the securities company server 240, and it is necessary to provide these storage means 255, 256, 281 (282, 283, 284) in the securities company server 240. .

  The processing unit 240A includes a trade order receiving unit 241, an external check information providing unit 242, an order approval / disapproval information receiving unit 243, an order processing unit 244, a non-permission information transmitting unit 245, and an identity confirmation question creating unit 246. The response determination authentication unit 247, the biometric authentication unit 248, and the internal check processing unit 249 are included. This processing means 240A is not provided with means corresponding to the buying and selling order information transfer means 42 of the above embodiment, and is provided with an external check information providing means 242 instead. This is different from the case of the securities trading system 10. This is because a server corresponding to the external check server 70 of the above embodiment is not provided, and therefore, it is not necessary to transfer trading order information to the external check server. This is because the information for external check is provided from the securities company server 240 instead, and the external check information providing means 242 must be provided in the securities company server 240. Further, the order permission / rejection information receiving unit 243 of the securities company server 240 is different from the above embodiment in that it receives the order permission / rejection information from the external checker terminal device 230 instead of from the external check server.

  In such a securities trading system 200, first, trading order information entered by a trading procedure agent on the basis of a customer's request, reply information to an explanation status confirmation question (see FIG. 4) entered by the customer, The inputted fingerprint information and answer information (voice information) to the identity confirmation question entered by the customer are transmitted from the buying and selling procedure agent terminal device 220 to the securities company server 240 via the network 201, and these pieces of information are sent and received. Accepted by the accepting means 241.

  Subsequently, the securities company server 240 performs identity authentication by the answer determination authentication means 247, identity authentication by the biometrics authentication means 248, member grade determination, and the like, and then purchase / sale order information and an explanation status confirmation question (see FIG. 4). ) To the external check information providing means 242 from the buying and selling order receiving means 241. Further, if it is determined that the person is not the person as a result of the personal authentication, information indicating that the order is not permitted is transmitted from the non-permission information transmitting unit 245 to the trading procedure agent terminal device 220 via the network 201.

  Next, the external check information providing unit 242 notifies the external checker terminal device 230 that the sales order has been made via the network 201, and the external check information (trade order information, explanation) Response information for the situation confirmation question and customer information acquired from the customer information storage means 281 are provided. Further, as a result of automatic determination by the external check information providing means 242, it is a security that does not satisfy the transaction conditions specified by the customer, or the external checker terminal device 230 is in a disconnected state or no response state, and the order can be canceled. In some cases, notification or external check information is not provided under certain conditions such as the above.

  Thereafter, the order approval / disapproval information based on the determination result of the external checker is transmitted from the external checker terminal device 230 to the securities company server 240 via the network 201, and is received by the order approval / disapproval information receiving means 243, If the ordering permission / denial information is ordering permission information, the ordering processing means 244 performs processing for transmitting information related to the ordering to the securities trading execution system 290 such as a stock exchange system, while the ordering permission / inhibition information is not acceptable. In the case of permission information, information indicating that ordering is not permitted is transmitted from the disapproval information transmitting unit 245 to the buying and selling procedure agent terminal device 220 via the network 201.

  In the embodiment, the external check information is provided to the external checker by the external check information providing means 71 provided in the external check server 70 (see FIG. 1). As shown in the securities trading system 300 shown in FIG. 5, the information is provided from both the external check information providing means 342 provided in the securities company server 340 and the customer information providing means 371 provided in the external check server 370. Good. In this securities trading system 300, the external check information providing means 342 of the securities company server 340 transmits the customer order information and the answer information of the customer to the explanation status confirmation question to the external checker terminal device 330 as external check information. The customer information stored in the customer information storage unit 381 (the transaction condition storage unit 382, the suitability determination information storage unit 383, the customer attribute storage unit 384) is externally transmitted from the customer information providing unit 371 of the external check server 370. The information is transmitted to the external checker terminal device 330 as check information.

  In FIG. 7, the securities trading system 300 includes a trading procedure agent terminal device 320 having a fingerprint reading unit 321, an external checker terminal device 330, a securities company server 340 connected to the stock exchange system 390, An internal checker terminal device 360 and an external check server 370 are provided.

  The securities company server 340 includes a processing unit 340A, a customer basic information storage unit 351 connected to the processing unit 340A, an identification information storage unit 352, a biometric information storage unit 353 that stores fingerprint information 353A and voiceprint information 353B. Customer transaction information storage means 354, designated external checker storage means 355, and securities attribute storage means 356. This securities company server 340 is provided with storage means 355 and 356 corresponding to designated external checker storage means 85 and securities attribute storage means 86 provided in the external check server 70 of the above embodiment. This is different from the case of the securities trading system 10 of the above embodiment. This is because, in the securities trading system 300, the securities company server 340 is provided with external check information providing means 342 that provides the external checker with customer order information and customer response information for the explanation status confirmation question. This is because the external checker terminal device 330 that is the transmission destination of these information must be grasped by the securities company server 340, and the scene for judging whether or not the securities can be canceled is an external check. This is because it is necessary to check the connection status and response status of the person terminal device 330 by the securities company server 340 provided with the external check information providing means 342.

  The processing unit 340A includes a trade order receiving unit 341, an external check information providing unit 342, an order approval / disapproval information receiving unit 343, an order processing unit 344, a non-permission information transmitting unit 345, and an identity confirmation question creating unit 346. The answer determination authentication unit 347, the biometric authentication unit 348, and the internal check processing unit 349 are included. This processing means 340A is not provided with means corresponding to the buying and selling order information transfer means 42 of the above embodiment, and is provided with an external check information providing means 342 instead. This is different from the case of the securities trading system 10. This is because the purchase order information as external check information and the customer's reply information to the explanation status confirmation question are performed not from the external check server 370 but from the external check information providing means 342 of the securities company server 340. This is because there is no need to transfer the information to the external check server 370, and since the brokerage server 340 provides the customer order information as the external check information and the customer response information to the explanation status confirmation question, This is because it is necessary to provide the external check information providing means 342 in the company server 340. Further, the order permission / rejection information receiving unit 343 of the securities company server 340 is different from the above embodiment in that it receives the order permission / rejection information not from the external check server 370 but from the external checker terminal device 330.

  The external check server 370 includes a processing unit 370A including a customer information providing unit 371, and a customer information storage unit 381 (transaction condition storage unit 382, conformity determination information storage unit 383, customer attributes connected to the processing unit 370A. Storage means 384). The external check server 370 includes means corresponding to the order approval / disapproval information transfer means 72 of the external check server 70 of the embodiment, and storage means equivalent to the designated external checker storage means 85 and the securities attribute storage means 86. It is different from the case of the securities trading system 10 of the above embodiment in that it is not provided. This is because in the securities trading system 300, the order permission / rejection information receiving means 343 of the securities company server 340 receives the order permission / rejection information from the external checker terminal device 330 instead of the external check server 370. This is because there is no need to transfer information.

  In such a securities trading system 300, first, trading order information entered by a trading procedure agent on the basis of a customer's request, reply information to an explanation status confirmation question (see FIG. 4) entered by the customer, The inputted fingerprint information and the answer information (voice information) to the identity confirmation question entered by the customer are transmitted from the buying and selling procedure agent terminal device 320 to the securities company server 340 via the network 301, and these pieces of information are sent to the buying and selling order. Accepted by the accepting means 341.

  Subsequently, the securities company server 340 performs personal authentication by the answer determination authentication unit 347, personal authentication by the biometrics authentication unit 348, member grade determination, and the like, and then purchase / sale order information and an explanation status confirmation question (see FIG. 4). ) To the external check information providing means 342 from the sales order accepting means 341. Further, if it is determined that the person is not the person as a result of the personal authentication, the information indicating that the order is not permitted is transmitted from the disapproval information transmitting means 345 to the buying and selling procedure agent terminal device 320 via the network 301.

  Next, the external check information providing means 342 notifies the external checker terminal device 330 that a sales order has been made via the network 301 and also provides external check information (trade order information, explanation). Response information) is provided. In addition, as a result of automatic determination by the external check information providing means 342, notification or external check is performed under certain conditions such that the external checker terminal device 330 is in a disconnected state or no response state and is a security that can be canceled. In some cases, no information is provided.

  Then, if necessary, the external checker operates the external checker terminal device 330 to access the external check server 370 via the network 301, and performs an external check other than the purchase order information and answer information for the explanation status confirmation question. Request for acquisition of customer information that is business information. The external check server 370 provides external check information (customer information acquired from the customer information storage unit 381) via the network 301 by the customer information providing unit 371 in response to an acquisition request from an external checker.

  After that, the order approval / disapproval information based on the determination result of the external checker is transmitted from the external checker terminal device 330 to the securities company server 340 via the network 301 or from the external checker terminal device 330 to the external check server. Since it is transmitted via the network 301 to the securities company server 340 via the network 370, it is received by the order permission / rejection information receiving means 343. When this order permission / rejection information is order permission information, the ordering process is performed. The means 344 performs processing for transmitting information related to ordering to a securities trading execution system 390 such as a stock exchange system. On the other hand, if the ordering permission / denial information is ordering disapproval information, The permission information transmission unit 345 transmits the transaction procedure agent terminal device 320 via the network 301.

  Furthermore, in the embodiment, a touch input operation to the screen of the buying and selling procedure agent terminal device 20 when the customer makes a selective answer to the explanation status confirmation question, and fingerprint information reading by the fingerprint reading means 21 are performed. Although the operations are performed separately, these operations may be performed simultaneously by using a touch input / fingerprint reading unit 400 as shown in FIG.

  In FIG. 8, an explanation status confirmation question is written on the cover 401 of the touch input / fingerprint reading means 400, and the same number of fingerprint readings as the total number of options for selecting and answering the question are displayed inside the cover 401. Sensors 402, 403, 404, and 405 are provided at positions corresponding to the arrangement positions of the answer options for the question. A touch panel is provided on these fingerprint reading sensors 402 to 405. The explanation status confirmation question may be displayed on a screen by providing a liquid crystal screen or the like on the surface of the cover 401.

  Accordingly, when the customer presses any one of the fingerprint reading sensors 402 to 405, an answer selection input is performed by the touch input. Further, when any one of the fingerprint reading sensors 402 to 405 is pressed, the operation becomes a start signal of the fingerprint reading process by the sensor. As a result, it is possible to simultaneously perform a touch input acceptance process for a customer to select and answer an explanation status confirmation question and a fingerprint information reading process as a customer's biometric information. Can be reduced.

  And in the said embodiment, the personal authentication by the reply determination authentication means 47 using the reply content obtained by performing speech recognition processing from the reply information (speech information) of the customer to the personal confirmation question, and the customer's reply to the personal confirmation question A total of 3 is obtained by the personal authentication by the biometrics authentication means 48 using the voiceprint information extracted from the information (speech information) and the personal authentication by the biometrics authentication means 48 using the fingerprint information (such as iris information). Multiple types of personal authentication are performed, and further personal authentication including normal personal identification number and password (in this specification, description is omitted because it is a general authentication method) However, some or all of these authentications may be omitted from the viewpoint of simplifying the procedure. However, from the viewpoint of preventing unauthorized trading, etc., or from the viewpoint of enhancing the effectiveness of the explanation status confirmation question (see Fig. 4), that is, the reliability of the answer to the explanation status confirmation question being the customer's own answer. From the viewpoint of improvement, it is preferable to perform at least one type of personal authentication, and more preferably, it is realized by a method other than normal authentication using a personal identification number or password. The same applies to the securities trading system 200 shown in FIG. 6 and the securities trading system 300 shown in FIG.

  Moreover, in the said embodiment, as shown in FIG. 1, transmission / reception of the information between the transaction procedure agent terminal device 20 and the securities company server 40 is described so that it may be performed directly via the network 1. FIG. However, when the trading procedure agent terminal device 20 is a terminal device operated by the brokerage broker's trading procedure agent, information is relayed between the trading procedure agent terminal device 20 and the securities company server 40. A securities brokerage server (a server operated and managed by a securities brokerage agent or a contractor thereof) may be provided. The same applies to the securities trading system 200 shown in FIG. 6 and the securities trading system 300 shown in FIG. The securities trading system of the present invention includes a case where there is a relay process of information by such a securities brokerage server.

  As described above, the securities trading system, the securities trading method, and the program of the present invention are, for example, a sales employee explaining to a customer at a branch of a securities company or a store of a securities brokerage, and buying and selling orders. It is suitable for use when conducting face-to-face transactions on behalf of the system input procedure.

1 is an overall configuration diagram of a securities trading system according to an embodiment of the present invention. The figure of the flowchart which shows the flow of the whole process by the securities trading system of the said embodiment. The figure of the flowchart which shows the detailed flow of the external check process of the said embodiment. The figure which shows the example of a screen of the transaction procedure agent terminal device of the said embodiment. The figure which shows the example of a screen of the external checker terminal device of the said embodiment. The block diagram which shows the 1st modification of this invention. The block diagram which shows the 2nd modification of this invention. The perspective view which shows the 3rd modification of this invention.

Explanation of symbols

1,201,301 Network as communication line 2 Dedicated line as communication line 10,200,300 Securities trading system 20,220,320 Trading procedure agent terminal device 30,230,330 External checker terminal device 40, 240,340 Securities company server 41,241,341 Trading order acceptance means 42 Trading order information transfer means 43,243,343 Order approval / disapproval information reception means 44,244,344 Order processing means 45,245,345 Non-permission information transmission means 46 , 246, 346 Identity confirmation question creation means 47, 247, 347 Answer determination authentication means 48, 248, 348 Biometrics authentication means 51, 251, 351 Customer basic information storage means 52, 252, 352 Identity confirmation information storage means 53, 253,353 Biometric information storage Stage 70, 370 External check server 71, 242, 342 External check information providing means 72 Order acceptance / rejection information transfer means 81, 281, 381 Customer information storage means 82, 282, 382 Transaction condition storage means 83, 283, 383 Suitability Information storage means for judgment 90, 290, 390 Securities transaction execution system such as stock exchange system 371 Customer information providing means 400 Touch input / fingerprint reading means

Claims (25)

Securities that are traded on behalf of a brokerage broker or a brokerage broker who brokers the customer and the brokerage firm on behalf of a client In the trading system,
A trading procedure agent terminal device operated by the buying and selling procedure agent;
A securities company server that is connected to the trading procedure agent terminal device via a communication line and performs processing related to ordering to a securities exchange system or other securities transaction execution system;
An external checker terminal device operated by an external checker who assists the judgment accompanying the buying and selling transaction of securities by the customer as an external check by a third party different from the securities company, or judges the propriety of the transaction content;
An external check server connected to the external checker terminal device and the securities company server via a communication line and performing processing related to external check including management of customer information used for determination by the external checker,
The securities company server is:
Trading order accepting means for receiving information including trading order information transmitted from the trading procedure agent terminal device via a communication line;
Trading order information transfer means for transmitting the trading order information received by the trading order receiving means to the external check server via a communication line;
Order acceptance / rejection information receiving means for receiving order acceptance / rejection information based on a judgment result by the external checker transmitted from the external check server via a communication line;
Ordering processing means for performing processing for transmitting information related to ordering to the stock exchange system or other securities trading execution system when the ordering permission / refusal information received by the order permission / rejection information receiving means is order permission information. Consists of
The external check server is:
Customer information storage means for storing the customer information for each customer;
The trading order information transmitted from the securities company server via the communication line is received and a notification that the trading order has been made by the customer is sent to the external checker terminal device, and the trading order information And customer information about the target customer obtained by searching the customer information storage means using the customer identification information included in the buy / sell order information as a key to the external checker terminal device as communication information to the external checker terminal device External check information providing means for transmitting to the external checker and providing the external checker;
An order for receiving order approval / disapproval information based on a judgment result by the external checker transmitted from the external checker terminal device via a communication line and transferring the order approval / disapproval information to the securities company server via the communication line. A securities trading system characterized by comprising a permission information transfer means. Securities that are traded on behalf of a brokerage broker or a brokerage broker who brokers the customer and the brokerage firm on behalf of a client In the trading system,
A trading procedure agent terminal device operated by the buying and selling procedure agent;
An external checker terminal device operated by an external checker who assists the judgment accompanying the buying and selling transaction of securities by the customer as an external check by a third party different from the securities company, or judges the propriety of the transaction content;
Connected to the trading procedure agent terminal device via a communication line and performs processing related to ordering to a stock exchange system or other securities transaction execution system, and connected to the external checker terminal device via a communication line and connected to the external checker A securities company server that performs processing related to external checks including management of customer information used for determination by
The securities company server is:
Customer information storage means for storing the customer information for each customer;
Trading order accepting means for receiving information including trading order information transmitted from the trading procedure agent terminal device via a communication line;
When the trading order information is received by the trading order receiving means, the external checker terminal device is notified that there is a trading order by the customer, and the trading order information and the trading order information are displayed. The customer information about the target customer obtained by searching the customer information storage means using the customer identification information included as a key is transmitted as external check information to the external checker terminal device via a communication line, and External check information providing means to be provided to external checkers;
Order acceptance / rejection information receiving means for receiving order acceptance / rejection information based on a determination result by the external checker transmitted from the external checker terminal device via a communication line;
Ordering processing means for performing processing for transmitting information related to ordering to the stock exchange system or other securities trading execution system when the ordering permission / refusal information received by the order permission / rejection information receiving means is order permission information. A securities trading system characterized by comprising: Securities that are traded on behalf of a brokerage broker or a brokerage broker who brokers the customer and the brokerage firm on behalf of a client In the trading system,
A trading procedure agent terminal device operated by the buying and selling procedure agent;
A securities company server that is connected to the trading procedure agent terminal device via a communication line and performs processing related to ordering to a securities exchange system or other securities transaction execution system;
An external checker who is connected to this securities company server via a communication line and assists in judgment related to the buying and selling transaction of securities by the customer as a third party different from the securities company or judges the suitability of the transaction content. An external checker terminal device to be operated;
An external check server connected to the external checker terminal device via a communication line and performing processing related to external check including management of customer information used for determination by the external checker;
The securities company server is:
Trading order accepting means for receiving information including trading order information transmitted from the trading procedure agent terminal device via a communication line;
When the trading order information is received by the trading order receiving means, the external checker terminal device is notified that there is a trading order by the customer, and the trading order information is used as external check information. External check information providing means for providing to the external checker by transmitting to the external checker terminal device via a communication line;
Order acceptance / rejection information receiving means for receiving order acceptance / rejection information based on a judgment result by the external checker transmitted from the external checker terminal device directly or via a communication line via the external check server;
Ordering processing means for performing processing for transmitting information related to ordering to the stock exchange system or other securities trading execution system when the ordering permission / refusal information received by the order permission / rejection information receiving means is order permission information. Consists of
The external check server is:
Customer information storage means for storing the customer information for each customer;
In response to an acquisition request from the external checker terminal device by the external checker, with respect to the target customer obtained by searching the customer information storage means using the customer identification information transmitted together with the acquisition request signal as a key A securities trading system comprising: customer information providing means for transmitting customer information as external check information to the external checker terminal device via a communication line. The customer information storage means includes, as customer information, compatibility determination information for determining whether or not the transaction is suitable for the customer's suitability including compliance with the suitability principle. Information storage means for determining suitability to be stored every time,
The external check information providing means is a compatibility for a target customer obtained by searching the compatibility judgment information storage means using the buy / sell order information and customer identification information included in the buy / sell order information as keys. It is compared with the information for determination, and it is determined whether or not an unacceptable order content is included for the buy / sell order information. If the unacceptable order content is included, in addition to the external check information, the external checker The securities trading system according to claim 1 or 2, wherein alarm information for outputting an alarm at a terminal device is transmitted to the external checker terminal device via a communication line. The customer information storage means includes transaction condition storage means for storing an acceptable transaction condition specified in advance by the customer for each customer as the customer information,
The external check information providing means compares the buy / sell order information with the deal conditions for the target customer obtained by searching the deal condition storage means using the customer identification information included in the buy / sell order information as a key. Then, it is determined whether or not an unacceptable order content is included in the buy / sell order information. If the unacceptable order content is included, the external checker terminal device is transmitted with the external check information transmission process. 5. The securities trading system according to claim 1, wherein, as the order approval / disapproval information, information on order non-permission is passed to the order acceptance / rejection information receiving means. . The external check information providing means compares the buy / sell order information with customer information about a target customer obtained by searching the customer information storage means using the customer identification information included in the buy / sell order information as a key. And determining whether or not an unacceptable order content is included for the buy / sell order information, and if the unacceptable order content is not included and the customer is in this case the external checker by the external checker When it is selected and specified not to perform the check in advance, the order permission information is received as the order permission information without performing the transmission process of the external check information to the external checker terminal device. The securities trading system according to any one of claims 1, 2, 4, and 5, wherein the securities trading system is configured to be passed to the means.   When the order approval / disapproval information received by the order approval / disapproval information receiving means is order disapproval information, information indicating that the order to the stock exchange system or other securities transaction execution system is disallowed The securities trading system according to any one of claims 1 to 6, further comprising non-permitted information transmitting means for transmitting to a trading procedure agent terminal device via a communication line. The buying and selling order reception means of the securities company server is configured to send the buying and selling order information transmitted from the buying and selling procedure agent terminal device via a communication line and the bio of the customer sent in addition to the buying and selling order information. It is configured to receive metrics information,
The securities company server is:
Biometric information storage means for pre-registering and storing the biometric information of the customer for each customer;
About the target customer obtained by searching the biometrics information storage unit using the biometric information received together with the trading order information by the trading order receiving unit and the customer identification information included in the trading order information as a key. Biometrics authentication means for comparing the biometric information and determining whether or not these two biometrics information match, and performing identity authentication processing,
When the biometrics authentication unit determines that the two biometric information matches, the trading order acceptance unit of the securities company server passes the trading order information to the external check information providing unit, and the match The securities buying and selling transaction system according to any one of claims 1 to 7, wherein, when it is determined not to do so, the buying and selling order information is not passed to the external check information providing means. . When the biometric authentication means determines that the two biometrics information does not match, the securities company server has determined that the order to the stock exchange system or other securities trading execution system has been disallowed. 9. The securities trading transaction system according to claim 8, further comprising non-permitted information transmitting means for transmitting the information to the trading procedure agent terminal device via a communication line. The buying and selling order reception means of the securities company server appropriately explains the securities to be bought or sold by the buying and selling procedure agent or the buying and selling transaction together with the buying and selling order information and the biometric information of the customer. The customer's reply information to the explanation status confirmation question for confirming whether or not the request has been received is received from the trading procedure agent terminal device via a communication line, and the customer to the explanation status confirmation question together with the trading order information. Response information is also passed to the external check information providing means,
The external check information providing means is configured to transmit the reply information of the customer to the explanation status confirmation question together with the buy / sell order information as external check information to the external checker terminal device via a communication line. The securities trading system according to claim 8 or 9, characterized in that The transaction procedure agent terminal device simultaneously performs a touch input acceptance process for the customer to select and answer the explanation status confirmation question and a fingerprint information reading process as the customer biometric information. Touch input and fingerprint reading means are provided,
The buying and selling order receiving means of the securities company server includes the buying and selling order information, the answer information of the customer to the explanation status confirmation question input by the touch input / fingerprint reading means, and the touch input / fingerprint reading means. The securities transaction transaction system according to claim 10, wherein the read fingerprint information of the customer is received from the transaction procedure agent terminal device via a communication line. The securities company server is:
Identity verification information storage means for storing, for each customer, identity verification information used for confirming that the customer who made the purchase order or the customer who is about to perform is the principal,
Creation of identity verification question presentation information for presenting identity verification questions that cannot be answered without knowing the identity verification information to the customer at the transaction procedure agent terminal device Means,
The customer's reply information to the identity verification question and the customer identification information included in the trading order information received by the trading order receiving means or the trading procedure agent by the trading order receiving means before receiving the trading order information. Using the customer identification information received from the terminal device as a key, the identity confirmation information about the target customer obtained by searching the identity confirmation information storage means is compared, and the answer information and the identity confirmation information are Answer determination authentication means for performing identity authentication processing by determining whether or not they are consistent,
The buying and selling order receiving means of the securities company server transmits the identity confirmation question presentation information created by the identity confirmation question creating means to the buying and selling procedure agent terminal device via a communication line, and the buying and selling procedure agent The customer's answer information for the identity confirmation question transmitted from the user terminal device via the communication line is received and passed to the answer determination / authentication means, and the answer determination / authentication means uses the answer information and the identity verification information. Is determined to be consistent, the trading order information is passed to the external check information providing means, and if it is determined that they are not consistent, the trading order information is used for the external check. It is set as the structure which is not passed to an information provision means. The securities trading transaction system in any one of Claims 1-11 characterized by the above-mentioned.   The answer determination / authentication means of the securities company server is the answer only when the buying and selling order reception means of the securities company server receives the answer information within a predetermined time after transmitting the identification confirmation question presentation information. The securities trading system according to claim 12, wherein the information is determined to be consistent with the identity verification information. The identity verification information storage means of the securities company server stores the identity verification information in a plurality of items for each customer,
The identity verification question creating means of the securities company server is configured to create the identity verification question presentation information by randomly selecting at least one item from the plurality of items,
The answer determination / authentication means of the securities company server is configured to receive the customer's answer information to a randomly presented identity confirmation question and the customer order information included in the buy / sell order information or the buy / sell order before receiving the buy / sell order information. The identification means compares the identification information related to the question item about the target customer obtained by searching the identification information storage means with the customer identification information received from the trading procedure agent terminal device as a key by the reception means. The securities trading system according to claim 12 or 13, wherein the securities trading system is configured. The buying and selling order reception means of the securities company server is configured to receive the answer information as voice information,
The answer determination / authentication means of the securities company server performs voice recognition processing on the answer information as voice information received by the trading order acceptance means, and the answer information after the voice recognition processing and the identity verification information are It is configured to determine whether or not they are consistent,
The securities company server is:
Biometric information storage means for preregistering and storing voiceprint information for each customer as biometric information of the customer;
Voiceprint information extracted as biometric information from the answer information as voice information received by the trading order receiving means, and customer identification information or trading order information included in the trading order information received by the trading order receiving means Compared with voice print information about the target customer obtained by searching the biometrics information storage means using the customer identification information received from the buying and selling procedure agent terminal device by the buying and selling order acceptance terminal device as a key before receiving the purchase order. And biometrics authentication means for determining whether or not these two voiceprint information matches,
The buying and selling order reception means of the securities company server determines that the answer information and the identity verification information are consistent with each other by the answer determination and authentication means, and the two voiceprint information by the biometrics authentication means Are determined to match, the buy / sell order information is passed to the external check information providing means, and the answer determination authentication means determines that the answer information and the identity verification information do not match. Alternatively, when the biometrics authentication unit determines that the two voiceprint information does not match, the purchase order information is not passed to the external check information providing unit. The securities trading system according to any one of claims 12 to 14.   The securities company server places an order to the stock exchange system or other securities trading execution system when the answer judging / authenticating unit judges that the answer information and the identity verification information do not match. The valuable information according to any one of claims 12 to 15, further comprising non-permitted information transmitting means for transmitting information indicating that it is not permitted to the buying and selling procedure agent terminal device via a communication line. Securities trading system.   The external check information providing means may be configured such that when the external checker terminal device is not connected to an installation server of the external check information providing means, or the purchase order by the customer made to the external checker terminal device When there is no response from the external checker terminal device for a certain time in response to the notification that there is, and the securities related to the trading order by the customer are securities that can be canceled The order permission information is passed to the order permission information receiving means as the order permission information without waiting for the order permission information based on the determination result by the external checker from the external checker terminal device. The securities trading system according to any one of claims 1 to 16. The external check information providing means sends the order permission information as the order permission information to the order permission information receiving means without waiting for the order permission information based on the judgment result by the external checker from the external checker terminal device. A notification for determining whether or not to cancel the order is transmitted to the external checker terminal device via a communication line, and from the external checker terminal device via the communication line by the external checker. When receiving the order cancellation request signal transmitted in this way, the order cancellation request signal is configured to be passed to the order permission / rejection information receiving means,
The order processing means of the securities company server performs processing for transmitting information related to order cancellation to the stock exchange system or other securities trading execution system when the order acceptance / rejection information receiving means receives the order cancellation request signal. The securities trading system according to claim 17, wherein the securities trading system is configured to perform. The securities company server comprises customer basic information storage means for storing basic information of the customer including whether or not the customer is a member customer or grade information of the member customer,
The buying and selling order receiving means of the securities company server searches the customer basic information storage means by using the customer identification information included in the buying and selling order information as a key, and whether the target customer is a member customer or a high grade If it is a member customer or a high-grade member customer, the trading order information is passed to the external check information providing means, and if it is not a member customer or a grade customer The securities trading system according to any one of claims 1 to 18, wherein, when the customer is not a high member customer, the trading order information is not passed to the external check information providing means. Securities that are traded on behalf of a brokerage broker or a brokerage broker who brokers the customer and the brokerage firm on behalf of a client In the buying and selling transaction method,
Connecting a trading procedure agent terminal device operated by the trading procedure agent and a securities company server that performs processing related to ordering to a stock exchange system or other securities transaction execution system via a communication line;
An external checker terminal device operated by an external checker who assists in judgments related to trading transactions of securities by the customer as an external check by a third party different from the securities company or judges whether or not transaction contents are appropriate, and the external Connect to a server for external checks that performs processing related to external checks including management of customer information used for judgment by the checker via a communication line,
While connecting the securities company server and the external check server via a communication line,
Customer information storage means for storing the customer information for each customer is provided in the external check server,
The buying and selling order receiving means of the securities company server performs a process of receiving information including buying and selling order information transmitted from the buying and selling procedure agent terminal device via a communication line,
The trading order information transfer means of the securities company server performs a process of transmitting the trading order information received by the trading order reception means to the external check server via a communication line,
The external check information providing means of the external check server receives the buy / sell order information transmitted from the securities company server via a communication line, and sends a notification that there is a buy / sell order from the customer. Customer information about the target customer obtained by searching the customer information storage means with the customer identification information included in the buy / sell order information and the customer order information included in the buy / sell order information as a key for the checker terminal device, Sending the external checker terminal device as external check information via a communication line and providing it to the external checker,
The order approval / disapproval information transfer means of the external check server receives the order approval / disapproval information based on the determination result by the external checker transmitted from the external checker terminal device via a communication line. Perform processing to transfer to the securities company server via a communication line,
Order acceptance / rejection information receiving means of the securities company server performs a process of receiving order acceptance / rejection information based on a determination result by the external checker transmitted from the external check server via a communication line,
The order processing means of the securities company server transmits information relating to ordering to the stock exchange system or other securities trading execution system when the order permission information received by the order permission information receiving means is order permission information. A securities trading method characterized in that the processing is performed. Securities that are traded on behalf of a brokerage broker or a brokerage broker who brokers the customer and the brokerage firm on behalf of a client In the buying and selling transaction method,
The transaction procedure agent terminal device operated by the transaction procedure agent, and assisting the judgment accompanying the buying and selling transaction of the securities by the customer as an external check by a third party different from the securities company, or judging the suitability of the transaction content The external checker terminal device operated by the external checker to perform external processing including processing related to ordering to a stock exchange system or other securities transaction execution system and management of customer information used for judgment by the external checker In addition to connecting to the securities company server that performs processing via a communication line,
Customer information storage means for storing the customer information for each customer is provided in the securities company server,
The buying and selling order receiving means of the securities company server performs a process of receiving information including buying and selling order information transmitted from the buying and selling procedure agent terminal device via a communication line,
The external check information providing means of the securities company server notifies the external checker terminal device that there is a trading order by the customer when the trading order receiving means receives the trading order information. In addition, customer information about the target customer obtained by searching the customer information storage means using the trading order information and customer identification information included in the trading order information as a key is used as the external check information as the external check. Process to provide to the external checker by transmitting to the user terminal device via the communication line,
Order acceptance / rejection information receiving means of the securities company server performs processing for receiving order acceptance / rejection information based on a determination result by the external checker transmitted from the external checker terminal device via a communication line,
The order processing means of the securities company server transmits information relating to ordering to the stock exchange system or other securities trading execution system when the order permission information received by the order permission information receiving means is order permission information. A securities trading method characterized in that the processing is performed. Securities that are traded on behalf of a brokerage broker or a brokerage broker who brokers the customer and the brokerage firm on behalf of a client In the buying and selling transaction method,
Connecting a trading procedure agent terminal device operated by the trading procedure agent and a securities company server that performs processing related to ordering to a stock exchange system or other securities transaction execution system via a communication line;
An external checker terminal device operated by an external checker who assists the judgment accompanying the buying and selling transaction of securities by the customer or judges the suitability of transaction contents as an external check by a third party different from the securities company; Connect the company server with a communication line,
A server for external check that performs processing related to external check including management of customer information used for determination by the external checker and the external checker terminal device are connected via a communication line,
Customer information storage means for storing the customer information for each customer is provided in the external check server,
The buying and selling order receiving means of the securities company server performs a process of receiving information including buying and selling order information transmitted from the buying and selling procedure agent terminal device via a communication line,
The external check information providing means of the securities company server notifies the external checker terminal device that there is a trading order by the customer when the trading order receiving means receives the trading order information. Along with the purchase order information is sent to the external checker terminal device as external check information via a communication line and provided to the external checker.
In response to an acquisition request from the external checker terminal device by the external checker, customer information providing means of the external check server uses the customer identification information transmitted together with the acquisition request signal as a key to store the customer information Performing a process of transmitting customer information about the target customer obtained by searching for means as external check information to the external checker terminal device via a communication line,
The order acceptance / rejection information receiving means of the securities company server places an order based on a judgment result by the external checker transmitted from the external checker terminal device directly or via a communication line via the external check server. Process to receive permission information,
The order processing means of the securities company server transmits information relating to ordering to the stock exchange system or other securities trading execution system when the order permission information received by the order permission information receiving means is order permission information. A securities trading method characterized in that the processing is performed. Securities that are traded on behalf of a brokerage broker or a brokerage broker who brokers the customer and the brokerage firm on behalf of a client In a program for causing a computer to function as a trading system,
A trading procedure agent terminal device operated by the buying and selling procedure agent;
A securities company server that is connected to the trading procedure agent terminal device via a communication line and performs processing related to ordering to a securities exchange system or other securities transaction execution system;
An external checker terminal device operated by an external checker who assists the judgment accompanying the buying and selling transaction of securities by the customer as an external check by a third party different from the securities company, or judges the propriety of the transaction content;
An external check server connected to the external checker terminal device and the securities company server via a communication line and performing processing related to external check including management of customer information used for determination by the external checker,
The securities company server is:
Trading order accepting means for receiving information including trading order information transmitted from the trading procedure agent terminal device via a communication line;
Trading order information transfer means for transmitting the trading order information received by the trading order receiving means to the external check server via a communication line;
Order acceptance / rejection information receiving means for receiving order acceptance / rejection information based on a judgment result by the external checker transmitted from the external check server via a communication line;
Ordering processing means for performing processing for transmitting information related to ordering to the stock exchange system or other securities trading execution system when the ordering permission / refusal information received by the order permission / rejection information receiving means is order permission information. Consists of
The external check server is:
Customer information storage means for storing the customer information for each customer;
The trading order information transmitted from the securities company server via the communication line is received and a notification that the trading order has been made by the customer is sent to the external checker terminal device, and the trading order information And customer information about the target customer obtained by searching the customer information storage means using the customer identification information included in the buy / sell order information as a key to the external checker terminal device as communication information to the external checker terminal device External check information providing means for transmitting to the external checker and providing the external checker;
An order for receiving order approval / disapproval information based on a judgment result by the external checker transmitted from the external checker terminal device via a communication line and transferring the order approval / disapproval information to the securities company server via the communication line. A program for causing a computer to function as a securities trading system characterized by including permission / rejection information transfer means. Securities that are traded on behalf of a brokerage broker or a brokerage broker who brokers the customer and the brokerage firm on behalf of a client In a program for causing a computer to function as a trading system,
A trading procedure agent terminal device operated by the buying and selling procedure agent;
An external checker terminal device operated by an external checker who assists the judgment accompanying the buying and selling transaction of securities by the customer as an external check by a third party different from the securities company, or judges the propriety of the transaction content;
Connected to the trading procedure agent terminal device via a communication line and performs processing related to ordering to a stock exchange system or other securities transaction execution system, and connected to the external checker terminal device via a communication line and connected to the external checker A securities company server that performs processing related to external checks including management of customer information used for determination by
The securities company server is:
Customer information storage means for storing the customer information for each customer;
Trading order accepting means for receiving information including trading order information transmitted from the trading procedure agent terminal device via a communication line;
When the trading order information is received by the trading order receiving means, the external checker terminal device is notified that there is a trading order by the customer, and the trading order information and the trading order information are displayed. The customer information about the target customer obtained by searching the customer information storage means using the customer identification information included as a key is transmitted as external check information to the external checker terminal device via a communication line, and External check information providing means to be provided to external checkers;
Order acceptance / rejection information receiving means for receiving order acceptance / rejection information based on a determination result by the external checker transmitted from the external checker terminal device via a communication line;
Ordering processing means for performing processing for transmitting information related to ordering to the stock exchange system or other securities trading execution system when the ordering permission / refusal information received by the order permission / rejection information receiving means is order permission information. A program for causing a computer to function as a securities trading system characterized by comprising: Securities that are traded on behalf of a brokerage broker or a brokerage broker who brokers the customer and the brokerage firm on behalf of a client In a program for causing a computer to function as a trading system,
A trading procedure agent terminal device operated by the buying and selling procedure agent;
A securities company server that is connected to the trading procedure agent terminal device via a communication line and performs processing related to ordering to a securities exchange system or other securities transaction execution system;
An external checker who is connected to this securities company server via a communication line and assists in judgment related to the buying and selling transaction of securities by the customer as a third party different from the securities company or judges the suitability of the transaction content. An external checker terminal device to be operated;
An external check server connected to the external checker terminal device via a communication line and performing processing related to external check including management of customer information used for determination by the external checker;
The securities company server is:
Trading order accepting means for receiving information including trading order information transmitted from the trading procedure agent terminal device via a communication line;
When the trading order information is received by the trading order receiving means, the external checker terminal device is notified that there is a trading order by the customer, and the trading order information is used as external check information. External check information providing means for providing to the external checker by transmitting to the external checker terminal device via a communication line;
Order acceptance / rejection information receiving means for receiving order acceptance / rejection information based on a judgment result by the external checker transmitted from the external checker terminal device directly or via a communication line via the external check server;
Ordering processing means for performing processing for transmitting information related to ordering to the stock exchange system or other securities trading execution system when the ordering permission / refusal information received by the order permission / rejection information receiving means is order permission information. Consists of
The external check server is:
Customer information storage means for storing the customer information for each customer;
In response to an acquisition request from the external checker terminal device by the external checker, with respect to the target customer obtained by searching the customer information storage means using the customer identification information transmitted together with the acquisition request signal as a key And a customer information providing means for transmitting customer information as external check information to the external checker terminal device via a communication line. Program to let you.

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