JP6795647B2 - Fund wrap system and program - Google Patents

Description

The present invention is a fund consisting of a computer that executes a process of providing a fund wrap service that handles investment in an investment trust as a discretionary investment service that manages assets entrusted by a customer in an investment style for each investment unit selected by the customer. It can be used when linking information including trading gains and losses required for withholding calculation generated from investment trust trading transactions to a specific account system related to the wrap system and program.

Based on a discretionary investment contract, a fund wrap service is provided in which assets entrusted by customers are managed by investing in investment trusts. Conventionally, in a fund wrap contract, when a sale transaction that occurred during operation is executed, the profit and loss information from the sale transaction is taken into the calculation of a specific account (for the calculation of withholding tax in a specific account) Linking profit and loss information to a specific account system) is performed each time a sale transaction is executed. Taxes are also collected each time a sale transaction is executed, and if the customer's main account (not an account dedicated to fund wrap but a general account including other services) is insufficient in monetary balance, advance payment will be incurred. If a system configuration that generates such advance payment is adopted, the contract fee (set amount at the time of new contract or addition of operation unit) will be charged at the time of contract application, except for the fee (fee at the time of contract). The full amount will be applied to the management by buying and selling investment trusts in accordance with the management policy (management style) specified by the customer.

In addition, some financial institutions such as securities companies have adopted a system configuration that does not generate advance payments. In this case, in the fund wrap contract, when the sale transaction that occurred during the operation is executed, the acquisition of the profit and loss information into the calculation of the specific account (linkage of the profit and loss information to the specific account system) is the contract of the sale transaction. This is the same as in the case of the system configuration in which the advance payment is generated as described above. On the other hand, tax collection is also carried out each time a sale transaction is executed, but a part of the contract money is applied to cash and MRF (Money Reserved Fund) and other products that can be instantly cashed so that no advance payment will be incurred. When money for tax collection is needed, it will be appropriated from them.

As a system for withholding tax and a specific account, a stock acquisition cost calculation system is known in which the amount, quantity, and brand code at the time of acquisition are appropriately modified to accurately calculate the stock acquisition cost (patent). Reference 1). In addition, the total amount of stock gains and losses between multiple financial institutions, the calculation and judgment of stock trading profits and losses, the creation of a total table for specific accounts, and the amount of capital gains, etc. related to stocks, etc. according to the declaration distribution between specific accounts and general accounts There is a known tax return support system that can create a statement of accounts (see Patent Document 2).

Japanese Unexamined Patent Publication No. 2007-94478 Japanese Unexamined Patent Publication No. 2005-208774

In the fund wrap service, there are transactions that are carried out without the judgment of the customer (investor) based on the discretionary investment contract. For example, if there is a stock holding ratio rebalancing process that is automatically performed when the investment status deviates from the investment policy (operation style) specified at the time of contract application, but a sale order is created for this rebalancing process. However, if the sale price is higher than the acquisition price, a gain on the transfer will be recorded and tax will be collected. If the gain on transfer generated by such a transaction is included in the specific account system each time a transaction is executed, tax will be collected at a timing not intended by the customer (investor), so securing funds for tax collection In the past, it was a system design with a high possibility that advance payments (advance payments by financial institutions such as securities companies) would be generated as a result.

That is, as shown in FIG. 25, in the rebalancing process, the divergence is bought and sold so that the holding ratio of each of the stocks A, B, ... .. In the example of FIG. 25, the ratios of the stocks A and B in the investment style are 12% and 15%, and the current ratios are 15% and 18%, so 3% of the divergence is sold, respectively. Then, since the money obtained from the sell orders of stocks A and B is used for the purchase of another stock, there is no increase in money in the fund wrap system, and the money transfer processing from the fund wrap system to the main account is performed. I can't. Under this circumstance, for example, when a gain on transfer is generated by the sale of issue A, the profit and loss information is linked to the specific account system, and tax calculation is performed, the monetary balance required for tax collection is not in the main account. Will generate an advance payment. The specific account system may be integrated with the fund wrap system, and even in that case, the profit and loss information is linked. It is just the difference between sending and receiving data between different systems via a communication line and passing data within the same system.

On the other hand, as shown in FIG. 25, for example, in the case of a reduction event (event to reduce the operating amount) by a customer's application, the money obtained from the sell order of the reduction event is transferred from the fund wrap system to the main account. Therefore, it is possible to secure funds for tax collection from the monetary transfer amount. Therefore, in such a case, the risk of advance payment is low. The same applies to the case of an investment unit deletion event (an event in which all stocks constituting the investment unit are sold) (including the case of deleting all investment units due to contract cancellation).

However, even in the case of an event of reduction or deletion of investment units, the risk of advance payment is low in that it is possible to secure the money for tax collection by selling order, but the advance payment will not be generated. is not. That is, even if a sell order is placed with the delivery of money and the amount of tax collected can be secured, the timing of the delivery of money is the entire sell order for each stock that constitutes the investment unit. Tax from the customer's main account, which is carried out according to the acquisition of profit and loss information (linkage to a specific account system) generated in the trading of each stock and the calculation result based on the profit and loss information, while it is the latest delivery date of Since the collection is done not for the entire sell order of the investment unit but for each issue, due to the timing problem of such system processing, even if the sell order is intentionally made by the customer, the tax is collected in advance. If the funds are not prepared in the main account, advance payment will be incurred.

FIG. 26 shows a specific example in which advance payment is generated due to a difference between the timing of cooperation of transfer profit / loss (trading profit / loss caused by sale transaction) and the timing of money transfer. The example of FIG. 26 is a case where the investment unit of assets of 10 million yen is reduced by 3 million yen and the withholding tax of 100,000 yen is incurred.

When a reduction is applied, the order data of the sell order of each stock that constitutes the investment unit is created so that the investment style specified in the contract with the customer is maintained. Therefore, a sell order will be placed for a plurality of brands. At this time, the contract dates of the sell orders of each brand are not always the same. For example, there are issues that are executed on the day of the order, issues that are executed the next day, and issues that are executed the day after next. The latest contract date among these is called the latest contract date. Similarly, the delivery dates of the sell orders of each brand do not always match, so the latest delivery date is called the latest delivery date.

In FIG. 26, an application for reduction is accepted during the daytime (daytime) of T-1 day, order data of the reduced sell order is created by the nighttime batch processing of that day, and the sell order is placed on the next business day (T day). Was done. Here, it is assumed that on the T day, a sell order for a brand executed on the day is executed, a gain on transfer is generated in the transaction, and the withholding tax amount on the gain on transfer is 100,000 yen.

At this time, on the T day, the information on the gain on transfer of the sell order executed on that day is linked to the specific account system, and on that day (T day), the withholding calculation is performed on the specific account system and the money in the main account If it is reflected in the balance, since the monetary balance of the main account was originally zero, the monetary balance of the main account will be minus 100,000 yen, and advance payment will be generated on a contract basis from the T day. If the tax collection is reflected in the monetary balance of the main account on the business day (T + 1 day) following the cooperation date, an advance payment of 100,000 yen will be generated on a contract basis from the T + 1 day. ..

After that, on the latest contract date (T + 2 days), the execution result of the sell order is reflected in the night batch processing in the fund wrap system, and the evaluation amount of the balance quantity of the investment trust starts from 10 million yen on the execution basis. It will be updated to 7 million yen. In addition, although the illustration is omitted, on the latest contract date (T + 2 days), the money balance (contract base) in the fund wrap system once reaches 3 million yen, and then the money transfer process to the main account is performed. Executed and returns to zero. Then, this money transfer of 3 million yen will be reflected in the money balance (contract base) of the main account on the next business day (T + 3 days), and the money balance of the main account (contract base) will be minus 100,000 yen to 2.9 million yen. It will be a yen, and the replacement on a contract basis will be canceled.

Furthermore, the withholding tax calculation result is reflected in the main account on the delivery date (T + 5 days) of the sell order executed on the day of the order, and the withholding tax of 100,000 yen is performed in the main account. Therefore, since the monetary balance of the main account was originally zero, the monetary balance of the main account becomes minus 100,000 yen, and advance payment is generated on a delivery basis.

After that, on the latest delivery date (T + 7 days), the valuation amount of the balance quantity of the investment trust is updated from 10 million yen to 7 million yen on a delivery basis by nighttime batch processing in the fund wrap system. Then, on the next business day (T + 8th), the money transfer of 3 million yen will be reflected in the main account, and the money balance (delivery base) of the main account will change from minus 100,000 yen to 2.9 million yen, and the payment will be made on a delivery basis. Will be resolved.

As described above, in the rebalancing process in which a sell order is placed without the judgment of the customer, the risk of advance payment is high, and in the case of a reduction or operation unit deletion event in which a sell order is placed based on the customer's application. However, there is a risk of advance payment due to system processing timing issues. Therefore, financial institutions such as securities companies need to confirm whether or not advance payments have been made, and request customers who have made advance payments to make payments. For this reason, it is necessary for both financial institutions such as securities companies and customers to work to avoid the occurrence of advance payments or to eliminate the occurrence of advance payments.

On the other hand, as described above, if a system configuration is adopted in which a part of the contract money is applied to products that can be instantly cashed such as cash and MRF, it is possible to prevent the occurrence of advance payment. However, even if the purpose is to prepare cash at the time of tax collection and prevent the occurrence of advance payment, if part of the contract money is unconditionally allocated to cash or products that can be instantly cashed, the investment style In other words, considering the nature of the fund wrap service, which specifies the ratio and brand of asset type and entrusts investment management to a financial institution such as a securities company, it will be unfavorable. .. Originally, all the investment amount entrusted by the customer (investor) should be used for investment management, but because it is not possible, it is not possible to provide customer-dominated services, and from the investment policy requested by the customer. This is because the operation will be inefficient.

Therefore, it is desired to develop a fund wrap system that can realize investment management in line with the investment policy requested by the customer and has a low risk of advance payment by financial institutions such as securities companies.

An object of the present invention is to provide a fund wrap system and a program that can realize investment management in accordance with a management style specified by a customer and can reduce the risk of occurrence of advance payment.

<Basic configuration>

The present invention is a fund consisting of a computer that executes a process of providing a fund wrap service that handles investment in an investment trust as a discretionary investment service that manages assets entrusted by a customer in an investment style for each investment unit selected by the customer. It ’s a wrap system,
An event that stores event classifications that indicate the types of various events, including reductions or deletion of operations with sell orders, event numbers that identify events, and information about other events in association with customer identification information and operation unit identification information. Memories and
An order management storage means that stores order management information for each operation unit, including an event number, an order date, and the latest execution date for an event for which order data is to be created, in association with customer identification information and operation unit identification information.
Customer identification information and operation of information including trading profits and losses required for withholding tax calculation in the specific account system generated from the sales transaction of investment trusts, and linked classification indicating whether or not the cooperation with the specific account system has been completed. Book value total transaction storage means to store in association with mouth identification information,
Withholding preparation means for executing withholding event generation processing that creates a record of the withholding event with a sell order to secure money for withholding and stores it in the withholding event storage means.
A specific account inclusion information linkage means that executes a process of transmitting information including trading profit / loss about a trading transaction stored in a book value total transaction storage means to a specific account system.
It is equipped with a money transfer means that executes a money transfer process to transfer the money balance stored in the money balance storage means to the main account.
Specific account inclusion information linkage means
For each operation unit, the success or failure of the cooperation timing condition that the judgment day corresponds to the predetermined cooperation setting date in December, and the event of reduction or deletion of the operation unit that occurred are used as event storage means. Every business day, the success or failure of the exception cooperation timing condition that the sale order of the reduction or operation unit deletion event that is stored and the judgment date is stored in the order management storage means corresponds to the latest contract date is judged. However, if at least one of the cooperation timing condition or the exception cooperation timing condition is satisfied, the sales transaction of the target investment unit whose linked classification stored in the book value total transaction storage means is not linked. If the process of sending the information including the trading profit / loss to the specific account system is executed and neither the cooperation timing condition nor the exception cooperation timing condition is satisfied, the information including the trading profit / loss to the specific account system It is configured not to send,
The means of money transfer is
On the latest execution date of the sell order of the event of reduction or deletion of the investment unit, the money transfer process is executed for the money obtained by the sell order of the event of reduction or deletion of the investment account and stored in the money balance storage means. ,
Only when the money transfer process for the event of reduction or deletion of the operation unit is not performed on the link setting date, the money transfer process for the money obtained from the sell order of the withholding event and stored in the money balance storage means is performed. It is configured to run
Withholding tax preparation means
The feature is that the withholding event generation process is executed on the day before the cooperation setting date.

In such a fund wrap system of the present invention, the success or failure of the principle cooperation timing condition and the exception cooperation timing condition is determined every business day for each investment unit by the specific account inclusion information linkage means, and according to the determination result. Link to a specific account system for information including trading profits and losses required for withholding tax calculation.

More specifically, the principle cooperation timing condition is that the judgment day corresponds to the predetermined cooperation setting date in December once a year, and the exception cooperation timing condition is the reduction or deletion of the operation unit that occurred. Is specified because it is a condition that the event of is stored in the event storage means and the judgment day corresponds to the latest execution date of the sell order of the event of the reduction or operation unit deletion stored in the order management storage means. In principle, information including trading gains and losses to a specific account system is linked to a specific account system by the account inclusion information linking means once a year on the link setting day in December, and an event for reduction or deletion of operation units is applied. If so, it is exceptionally performed on a day other than the cooperation setting date.

Then, by the withholding preparation means, the withholding event generation process for securing the money for withholding is executed on the day before the cooperation setting date, so in principle, when the cooperation timing condition is satisfied, when the cooperation is performed. , Money for tax collection is secured by selling orders for withholding events. On the other hand, when the exception cooperation timing condition is satisfied, the money for tax collection is secured by the sell order of the event of reduction or deletion of the operation unit.

Therefore, unless at least one of the cooperation timing condition or the exception cooperation timing condition is satisfied, the information including trading profit and loss will not be linked to the specific account system and the withholding tax will not be calculated. There is no tax collection from. For this reason, in the conventional system, even if a transfer gain is generated in a sell order of an event in which it is difficult to secure money for tax collection as in the rebalancing process shown in FIG. 25 described above, the transfer profit is transferred to the specific account system. The system was designed so that there is a high possibility that advance payments will be generated, but in the present invention, the system is linked to a specific account system at the timing when money for tax collection can be secured. Therefore, it is possible to reduce the risk of advance payment.

Further, in the conventional system, as shown in FIG. 26 described above, even in the event of reduction or deletion of investment units that can secure money for tax collection, transfer profit / loss (trading profit / loss caused by sale transaction). Due to the difference between the timing of cooperation and the timing of money transfer, there was a possibility that advance payment would be generated, albeit temporarily. That is, if the timing of the transfer profit / loss linkage is earlier than the timing of the money transfer, there is a possibility that an advance payment will be temporarily generated during that time, and the advance payment will be canceled by the subsequent money transfer. In this way, due to the timing problem of system processing, advance payment is generated in the conventional system, in which profit and loss information is linked to a specific account system, withholding calculation, and tax collection from the main account are performed on a stock-by-stock basis. Because it was broken.

On the other hand, in the present invention, when at least one of the principle linkage timing condition and the exception linkage timing condition is satisfied, the linked classification stored in the book value total transaction storage means is not linked at that timing. Since information including trading gains and losses regarding trading transactions of the target investment unit is linked to the specific account system, it is possible to realize linkage to the specific account system that is collectively performed for each investment unit, not for each issue. it can. Furthermore, since the money transfer processing by the money transfer means is executed on the cooperation setting date that constitutes the cooperation timing condition in principle, or the latest contract date of the sell order of the event of reduction or operation unit deletion that constitutes the exception cooperation timing condition, The money transfer process is executed at the same timing as the timing of linking the information including the trading profit and loss to the specific account system. Therefore, it is possible to avoid the generation of advance payment due to the problem of the timing of system processing as in the conventional system.

In addition, the target transaction for which information including trading profit / loss is linked to the specific account system is stored in the book value total transaction storage means at the time of the above timing judgment (in principle, the success / failure judgment of the cooperation timing condition and the exception cooperation timing condition). Since it is a trading transaction of the target investment unit whose linked classification is not linked, all the transactions accumulated up to that point (transactions accumulated between the time of the previous cooperation and the time of this cooperation) are linked. Can be targeted. The transactions accumulated up to that point are transactions of various events involving sell orders such as regular receipts and donations. For this reason, while limiting the cooperation timing to the time when the cooperation timing condition and exception cooperation timing condition are established in principle, it is possible to cooperate and collect taxes at the earliest possible time for transactions that can be linked at each time. ..

Further, in the present invention, it is possible to reduce the risk of advance payment without adopting a system configuration in which a part of the contract money is applied to products that can be immediately cashed such as cash and MRF. For this reason, except for the fee collection, all the investment amount entrusted by the customer can be used for investment management, so investment management can be realized according to the investment policy requested by the customer, and an efficient service with a customer advantage. Can be provided, thereby achieving the above object.

<On the estimated amount calculation date that arrives before the cooperation setting date, the withholding tax equivalent amount calculation processing is executed, and on the cooperation setting date, the withholding tax equivalent fixed amount calculation processing is executed, and these estimates Configuration to transfer money using amount and fixed amount>

In addition, in the fund wrap system mentioned above,
Withholding tax preparation means
About the current year's contracted sales transaction of the target investment unit stored in the book value total transaction storage means when the estimated amount calculation date in December, which is set in advance to arrive before the cooperation setting date, is reached. By multiplying the estimated withholding amount obtained by multiplying the cumulative amount of trading profits and losses by the withholding tax rate, and multiplying it by a factor exceeding 100%, the estimated amount equivalent to withholding tax is calculated, and the calculated amount equivalent to withholding tax is calculated. Execute the estimated amount calculation process to store the estimated amount in the withholding calculation result storage means,
When the linkage setting date is reached, the target investment unit stored in the calculation fee storage means from the accumulated trading profit and loss for the current year's contracted sales transaction of the target investment unit stored in the book value total transaction storage means. By multiplying the amount obtained by subtracting the accumulated amount of fees paid in the current year by the withholding tax rate, the fixed amount of the withholding tax equivalent amount is calculated, and the calculated withholding tax equivalent amount is used as the withholding tax calculation result storage means. It is configured to execute the fixed amount calculation process to be stored.
The means of money transfer is
On the latest execution date of the sell order of the event of reduction or deletion of the investment unit, the money transfer process is executed for the money obtained by the sell order of the event of reduction or deletion of the investment account and stored in the money balance storage means. ,
Estimated amount of withholding tax obtained from the withholding event sell order and stored in the withholding tax storage means only when the withholding tax event is not processed for money transfer on the linkage setting date. When executing the money transfer processing for the money equivalent to, the fixed amount of the withholding tax equivalent amount stored in the withholding tax calculation result storage means is the withholding tax equivalent amount stored in the withholding tax calculation result storage means. When it is smaller than the estimated amount of withholding tax, the fixed amount of the withholding tax equivalent amount is used as the monetary transfer amount, and the fixed amount of the withholding tax equivalent amount stored in the withholding tax calculation result storage means is stored in the withholding tax calculation result storage means. When the amount is equal to or greater than the estimated amount equivalent to withholding tax, it is desirable that the processing is performed using the estimated amount equivalent to withholding tax as the monetary transfer amount.

In this way, the withholding tax equivalent amount calculation process is executed on the estimated amount calculation date that arrives before the cooperation setting date, and the withholding tax equivalent fixed amount calculation process is executed on the cooperation setting date. In the case of a configuration in which money is transferred using the estimated amount and the fixed amount of, the minimum necessary funds for tax collection are prepared at an appropriate time, and the funds are effectively used to make the advance payment. It is possible to reduce the risk of occurrence.

More specifically, the estimated amount equivalent to withholding tax was obtained by multiplying the cumulative amount of trading gains and losses for the current year's contracted trading transactions of the target investment unit stored in the total book value transaction storage means by the withholding tax rate. Since it is calculated by multiplying the withholding tax amount by a factor exceeding 100%, the estimated amount calculation date is calculated by not deducting the accumulated amount of fees from the accumulated trading profit and loss and by multiplying the amount exceeding 100%. Unless there is an unthinkable increase in the price of a stock between the date of calculation of the fixed amount and the date of calculation of the fixed amount (the date of setting the cooperation), and as a result, a large amount of transfer profit is generated in the sell order of the withholding event. , In principle, the estimated amount equivalent to withholding tax will be larger than the fixed amount, so no advance payment will be incurred.

In addition, in the money transfer processing by the money transfer means on the cooperation setting date, the size of the fixed amount equivalent to the withholding tax and the estimated amount are compared, and if the fixed amount is smaller than the estimated amount, the withholding event is sold in advance. Since the fixed amount is used as the monetary transfer amount instead of the estimated amount secured in the above, unnecessary monetary transfers are not performed. For this reason, the fund wrap system will have a difference that is obtained by subtracting the fixed amount from the estimated amount, and this difference can be allocated to those when a purchase occurs due to fee collection or rebalancing. It becomes possible and efficient operation can be realized.

<Invention of the program>

Further, the program of the present invention is for operating a computer as the fund wrap system described above.

The above program or a part thereof may be, for example, an optical magnetic disk (MO), a compact disk (CD), a digital versatile disk (DVD), a flexible disk (FD), a magnetic tape, or a read-only memory (ROM). , Electrically erased and rewritable read-only memory (EEPROM), flash memory, random access memory (RAM), hard disk drive (HDD), solid state drive (SSD), flash disk, etc. It can be stored and distributed, and can be transmitted using, for example, a wired network such as LAN, MAN, WAN, the Internet, an intranet, or an extranet, a wireless communication network, or a transmission medium such as a combination thereof. It is also possible to carry it on a carrier. Further, the above program 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, by determining the success or failure of the cooperation timing condition and the exception cooperation timing condition in principle, the cooperation timing of information including trading profit / loss to the specific account system is set to 12 once a year. Limited to the date when the linkage is set during the month, or the latest contract date of the sell order for the event of reduction or deletion of the investment unit, and the linkage is made for each investment unit instead of the issue, and the timing of money transfer. Since the above is matched with the cooperation timing, it is possible to realize investment management in accordance with the management style specified by the customer, and it is possible to reduce the risk of advance payment.

The overall block diagram of the fund wrap system of one Embodiment of this invention and its peripheral system. The explanatory view of the customer identification information and the operation unit identification information of the said embodiment. The figure which shows an example of the record structure of the main account storage means, the contract storage means, and the operation unit storage means of the said embodiment. The figure which shows an example of the record structure of the balance storage means of the said embodiment. The figure which shows an example of the record structure of the money balance storage means of the said embodiment. The figure which shows an example of the record structure of the unit price information storage means of the said embodiment. The figure which shows an example of the record structure of the operation style storage means, the operation style / asset class structure storage means, and the asset class stock structure storage means of the said embodiment. The figure which shows an example of the record structure of the event storage means of the said embodiment. The figure which shows an example of the record structure of the withholding event storage means of the said embodiment. The figure which shows an example of the record structure of the withholding calculation result storage means of the said embodiment. The figure which shows an example of the record structure of the rebalancing storage means of the said embodiment. The figure which shows an example of the record structure of the quarterly fee collection storage means of the said embodiment. The figure which shows an example of the record structure of the order management storage means of the said embodiment. The figure which shows an example of the record structure of the order data storage means of the said embodiment. The figure which shows an example of the record structure of the calculation fee storage means of the said embodiment. The figure which shows an example of the record structure of the book value total transaction storage means of the said embodiment. The figure which shows an example of the record structure of the money transfer detail storage means of the said embodiment. The explanatory view of the date calculation process of the said embodiment. The explanatory view of the cooperation timing to the specific account system of the said embodiment. An explanatory diagram of an example of cooperation with a specific account system in principle, which is carried out in December of each year of the above embodiment. Explanatory drawing of an example of cooperation with an exceptional specific account system by the occurrence of the event (specific account calculation event) of reduction of reduction or deletion of operation unit of the said embodiment. The figure of the flowchart which shows the flow of the necessity determination process of cooperation with a specific account system performed every business day of the said embodiment. The figure of the flowchart which shows the flow of the preparatory process for securing the money for withholding tax which is performed every December of the said embodiment. The figure of the flowchart which shows the processing flow of the event (specific account calculation event) of reduction of reduction or deletion of operation unit of the said embodiment. An explanatory diagram of the risk of advance payment due to withholding tax in the conventional system. Explanatory drawing of advance payment due to the difference between the timing of cooperation of transfer profit and loss and the timing of money transfer in the conventional system.

An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows the overall configuration of the fund wrap system 10 of the present embodiment and its peripheral system. FIG. 2 is an explanatory diagram of customer identification information and operation unit identification information. 3 to 18 show the configurations of the storage means 41 to 63 included in the storage means 40. Further, FIG. 19 is an explanatory diagram of the timing of cooperation with the specific account system, FIG. 20 is an explanatory diagram of an example of cooperation with the specific account system in principle, which is performed every December, and FIG. 21 is a reduction. Alternatively, it is an explanatory diagram of an example of cooperation with an exceptional specific account system due to the occurrence of an event of deleting an operation unit (specific account calculation event). Further, FIG. 22 shows a flow chart showing the flow of the process of determining the necessity of linking to the specific account system, which is performed every business day, and FIG. 23, FIG. 23, secures money for withholding tax, which is performed every December. The flow chart shows the flow of the preparatory process for the operation, and FIG. 24 shows the flow chart of the event of reduction or deletion of the operation unit (specific account calculation event).

<Overall configuration of fund wrap system 10 and its peripheral systems>

In FIG. 1, a fund wrap system 10 operated and managed by a financial institution such as a securities company that provides a fund wrap service to customers is provided, and as a peripheral system thereof, the fund wrap system 10 is connected via a communication line 2. A trading system 70 for financial products (including investment trusts because a fund wrap service is provided in this embodiment) is provided.

Further, the financial product information providing system 90 is connected to the trading system 70 via the communication line 3. The financial product information providing system 90 may be directly connected to the fund wrap system 10 via the communication line 4.

Further, the fund wrap system 10 is operated by a customer or an input agent thereof (a salesperson or an operator of a financial institution such as a securities company) via a network 1 which is a communication line. , Many) terminal devices 100 are connected, and one or a plurality of terminal devices 110 operated by a system person in a financial institution such as a securities company are connected via a communication line 5 or a network 1.

Here, in the present embodiment, the network 1 is mainly configured around the Internet, and it does not matter whether it is wired, wireless, or a mixed type of wired and wireless. The communication line 2 is an in-house network such as a LAN or an intranet, but may be a network 1 or a dedicated line. The communication lines 3 and 4 may be configured by the network 1 or the in-house network, or may be configured by a dedicated line. The communication line 5 is an in-house network such as a LAN or an intranet.

The fund wrap system 10 is composed of one or a plurality of computers, and includes a processing means 20 for executing various processes related to the fund wrap service, and a storage means 40 for storing various data used by the processing means 20. There is.

Of these, the processing means 20 includes a setting receiving means 21, an event preparing means 22, a withholding preparation means 23, a rebalancing means 24, an event reflecting means 25, an order making means 26, and a date calculating means 27. The fee calculation means 28, the order data linkage means 29, the contract processing means 30, the asset management means 31, the money transfer means 32, and the specific account inclusion information linkage means 33 are included.

Each of the means 21 to 33 included in these processing means 20 is a central processing unit (CPU) provided inside a computer main body constituting the fund wrap system 10, and one or one that defines an operation procedure of the CPU. It is realized by a plurality of programs and working memory such as main memory and cache memory. The details of each of these means 21 to 33 will be described later.

Further, the storage means 40 includes a main account storage means 41, a contract storage means 42, an operation port storage means 43, a balance storage means 44, a money balance storage means 45, a unit price information storage means 46, and an operation style storage. Means 47, operation style / asset class composition storage means 48, asset class brand composition storage means 49, event storage means 50, withholding event storage means 51, withholding calculation result storage means 52, and rebalancing storage. Means 53, quarterly fee collection storage means 54, order management storage means 55, order data storage means 56, calculation fee storage means 57, book value total transaction storage means 58, money transfer details storage means 59, and so on. It is configured to include an order availability date storage means 60, a contract / delivery date storage means 61, an operation unit brand composition storage means 62, and a calculation date storage means 63. Further, the calculation date storage means 63 includes a brand unit calculation date storage means 63A, an asset class unit calculation date storage means 63B, and an operation unit unit calculation date storage means 63C.

Each of the storage means 41 to 63 included in these storage means 40 is preferably realized by, for example, a hard disk drive (HDD), a solid state drive (SSD), or the like, but is within a range in which problems do not occur in the storage capacity, access speed, and the like. If so, for example, other recording media such as DVD, CD, MO, and magnetic tape may be adopted. Further, the data storage format of each storage means 41 to 63 may be a database or a file format such as a flat file. In the case of a database, each storage means 41 to 63 may be a separate database, or may be a different table in one or several databases. The details of each of these storage means 41 to 63 will be described later.

The trading system 70 is a core system of a financial institution such as a securities company that acts as an agent for trading transactions of financial products. It accepts orders for financial products, determines the purchase capacity of customers, creates orders, places orders in the market, and processes contracts. , Manages the balance of assets owned by customers, withholds from specific accounts, etc., and executes various processes related to the purchase and sale of financial products. In this embodiment, since the fund wrap service is provided, among these various functions Use the functions related to the trading process of investment trusts. Although not shown, a market system such as a stock exchange system is also connected to the trading system 70 via a communication line, and trading orders for stocks and the like are also transferred to the market. There is.

The trading system 70 is composed of one or a plurality of computers, and constitutes a trading processing means 71, a contract data linking means 72, a trading system side money transfer means 73, and a specific account system 74. It has 75 and. The specific account system 74 is a system built in the trading system 70, and is a system that manages the withholding tax calculation of the specific account and the data necessary for the calculation.

Each of these means 71 to 73, 75 includes a central processing unit (CPU) provided inside a computer body constituting the trading system 70, and one or more programs that define an operating procedure of the CPU. , It is realized by working memory such as main memory and cache memory. The details of each of these means 71 to 73, 75 will be described later.

Further, the trading system 70 includes an order data storage means 81, a contract data storage means 82, a main account money balance storage means 83, and a specific account inclusion information storage means 84 constituting the specific account system 74.

Each of these storage means 81 to 84 is preferably realized by, for example, a hard disk drive (HDD) or a solid state drive (SSD), but as long as there is no problem in storage capacity, access speed, etc. Other recording media such as DVD, CD, MO, and magnetic tape may be adopted. Further, the data storage format of each storage means 81 to 84 may be a database or a file format such as a flat file. The details of each of these storage means 81 to 84 will be described later.

In the present embodiment, the financial product information providing system 90 is used as a general term for a system that provides information on financial products (for example, the base price of each issue of an investment trust) necessary for performing a fund wrap service. Specifically, for example, other systems (for example, other than fund wrap services) in a company (financial institution such as a securities company) that operates and manages a system of an investment trust management company, a fund wrap system 10 and a trading system 50. (Systems that execute data processing related to the services of), systems of information vendors, etc., and these systems are each composed of one or a plurality of computers.

Therefore, for example, the base price of an investment trust is calculated by the system of the investment trust management company as the financial product information providing system 90, and the calculation result is transmitted to the trading system 70 via the communication line 3 and further. It is transmitted to the fund wrap system 10 via the communication line 2 via the trading system 70, or is directly transmitted to the fund wrap system 10 via the communication line 4. Then, the base price of the investment trust is stored in the unit price information storage means 46 (see FIG. 6) of the fund wrap system 10 and used for calculating the valuation amount (balance amount) of the assets held by the customer. In addition, regarding the unit price of stocks and bonds, or the index values for various financial indicators such as Nikkei average, NY Dow, and crude oil price, there was an order avoidance period due to AI etc. (for example, there was a sudden market fluctuation). It is a period during which orders should be avoided, and is used as a judgment material for the order availability date storage means 60 (the period reflected in the order availability date storage means 60 (see FIG. 18)) and for rebalancing the portfolio of the customer's assets. Therefore, it is provided from the system of the information vendor as the financial product information providing system 90 or another system in the company, and is stored in the unit price information storage means 46 (see FIG. 6) of the fund wrap system 10. It has become.

The terminal devices 100 and 110 are composed of a computer and include, for example, input means such as a mouse and a keyboard, and display means such as a liquid crystal display. These terminal devices 100 and 110 may be, for example, portable devices such as smartphones, tablet terminals, and personal digital assistants (PDAs).

<Outline of contents and processing of various events handled by Fund Wrap System 10>

In the fund wrap system 10, new contracts, increases, reductions, addition of investment units, deletion of investment units, style changes, changes in investment target stocks, regular receipt applications, changes in regular receipt details (changes in regular receipt timing, regular receipt designated amount, etc.) , Regular receipt, donation application, change of donation contents (change of donation destination, donation amount, etc.), donation, regular reserve application, change of regular reserve contents (regular reserve timing, regular reserve setting date, monthly regular reserve amount, bonus month We handle various events such as (change of regular reserve additional amount), regular reserve, withholding, rebalancing, quarterly fee collection, etc. Of these events, events that involve a sell order (transfer transaction) are subject to withholding tax if a transfer gain is generated due to the execution of the sell order. The withholding tax event is an event prepared to generate the amount equivalent to withholding tax, but if a gain on transfer is generated, it will also be subject to withholding tax. The contents and processing of these events (mainly the processing until the order is placed) are as follows.

A new contract is an event in which a customer sets one or more investment units, determines an operation style and set amount (amount to be operated) for each investment unit, and registers this information in the system. The total amount of the set amount for each investment unit is the new contract amount. In this new contract event, when an application for a new contract is made, the application is accepted by the setting receiving means 21, and the new contract record (for each newly set operation unit) is stored in the event storage means 50 (see FIG. 8). The investment unit fund code (investment unit identification information), event number automatically assigned, event classification, new investment start date, set amount at the time of new contract (including investment unit unit), etc.) are created, and the setting reception means A record is created in the main account storage means 41, the contract storage means 42, and the operation port storage means 43 (see FIG. 3) by 21, and the set information is registered. After that, in the nighttime batch processing on the business day before the new operation start date, which is specified by the customer at the time of application and stored in the event storage means 50 (see FIG. 8), the event reflection means 25 causes the order management storage means 55 (see FIG. 8). (Refer to 13) includes order management information for each operation unit including the event number, order date, latest contract date, and latest delivery date for the new contract event for which order data is to be created (because it is a new contract, it is a buy order. ) Is memorized. Then, the order creation means 26 performs the order data creation timing determination process using the order date stored in the order management storage means 55 (see FIG. 13), and on the day when the order data creation timing determination process is determined to be created, the event storage means 50 (see FIG. 13). (See Fig. 8), create order data for each operation unit using the amount set at the time of new contract for each operation unit, and place an order using the order data on the business day following the order data creation date. .. Since a part of the amount is collected as a contract fee, the purchase amount at the new contract event will be reduced by that amount.

The increase is an event in which the set amount is increased for each investment unit after a new contract. The application for this increase can be made at any time, and the operation in the increased state is started from the operation start date specified at the time of application. In this increase event, when an application for an increase is made, the application is accepted by the setting receiving means 21, and the event storage means 50 (see FIG. 8) records the increase (the investment unit fund for the investment unit to be increased). A code (including operation unit identification information), automatically assigned event number, event classification, operation start date, increased amount, etc.) is created, and then the information in that record is used at night on the business day before the operation start date. In batch processing, the event reflection means 25 is used to operate the order management storage means 55 (see FIG. 13) including the event number, order date, latest contract date, and latest delivery date for the increase event for which order data is to be created. Order management information for each unit (because it is an increase, it is a buy order) is stored. In addition, the event reflecting means 25 performs an update process for increasing the set amount in the record of the operation unit to be increased by the operation unit storage means 43 (see FIG. 3) by the amount of the increase amount. Then, the order creation means 26 performs the order data creation timing determination process using the order date stored in the order management storage means 55 (see FIG. 13), and on the day when the order data creation timing determination process is determined to be created, the event storage means 50 (see FIG. 13). (See FIG. 8), the order data of the operation unit to be increased is created by using the increased amount stored in the increase amount, and the order data is used to place an order on the business day following the order data creation date. In the case of an increase, a part of the amount may be collected as a contract fee, and in that case, the purchase amount at the increase event will be reduced by that amount.

The reduction is an event in which the set amount is reduced for each investment unit after a new contract. The application for this reduction can be made at any time, and the operation in the reduced state will start from the business day following the application date. In this reduction event, when a reduction application is made, the setting reception means 21 accepts the application and records the reduction in the event storage means 50 (see FIG. 8) (the investment unit fund for the investment unit to be reduced). A code (including operation unit identification information), automatically assigned event number, event classification, reduction amount, etc.) is created, and then, using the information of that record, in the night batch processing on the application date, the event reflection means 25 , Order management information for each operation unit including the event number, order date, latest contract date, and latest delivery date for the reduction event for which order data is to be created in the order management storage means 55 (see FIG. 13) (because it is a reduction). , A sell order.) Is memorized. Further, the event reflecting means 25 performs an update process for reducing the set amount in the record of the operation unit to be reduced by the operation unit storage means 43 (see FIG. 3) by the amount of the reduction amount. Then, the order creation means 26 performs the order data creation timing determination process using the order date stored in the order management storage means 55 (see FIG. 13), and on the day when it is determined to create the order data creation means 50 (see FIG. (Refer to FIG. 8), the order data of the operation unit to be reduced is created using the reduced amount stored in, and the order data is used to place an order on the business day following the order data creation date. Details of this reduction event will be described later with reference to FIGS. 21 and 24.

The operation unit addition is an event in which an operation unit is added after a new contract, an operation style and a set amount (amount to be operated) for the operation unit to be added are determined, and this information is registered in the system. The application for adding the operation unit can be made at any time, and the operation with the added operation unit is started from the operation start date specified at the time of application. In this event for adding an operation unit, when an application for adding an operation unit is made, the application is accepted by the setting receiving means 21, and the record for adding the operation unit (added operation unit) is added to the event storage means 50 (see FIG. 8). The investment unit fund code (investment unit identification information), event number automatically assigned, event classification, set amount at the time of adding the investment unit, operation start date, etc.) is created, and the operation is performed by the setting reception means 21. A record of the operation unit added to the oral storage means 43 (see FIG. 3) is created, and the set information is registered. After that, in the nighttime batch processing on the business day before the operation start date specified at the time of application and stored in the event storage means 50 (see FIG. 8), the event reflection means 25 causes the order management storage means 55 (see FIG. 13). In addition, order management information for each operation unit including the event number, order date, latest contract date, and latest delivery date for the operation unit addition event for which order data is created (because the operation unit is added, it is a buy order). Is remembered. Then, the order creation means 26 performs the order data creation timing determination process using the order date stored in the order management storage means 55 (see FIG. 13), and on the day when the order data creation timing determination process is determined to be created, the event storage means 50 (see FIG. 13). (See FIG. 8), the order data of the operation unit is created using the set amount of the added operation unit stored in (see FIG. 8), and the order data is used to place an order on the business day following the order data creation date. In addition, since a part of the amount is collected as a fee at the time of contract, the purchase amount at the operation unit addition event will be reduced by that amount.

The investment unit deletion is an event in which the investment unit is deleted and the investment trust managed by the investment unit is sold. The same applies when the contract is terminated with the deletion of the operation port. The application for deletion of the operation unit can be made at any time. In this operation unit deletion event, when an application for operation unit deletion is made, the application is accepted by the setting receiving means 21, and the operation unit deletion record (operation to be deleted) is stored in the event storage means 50 (see FIG. 8). An investment unit fund code (including investment unit identification information), automatically assigned event number, event classification, etc.) is created for the unit, and then the event is reflected in the night batch processing on the application date using the information in that record. By means 25, an order is placed in the order management storage means 55 (see FIG. 13) for each operation unit including the event number, order date, latest contract date, and latest delivery date for the operation unit deletion event for which order data is to be created. Management information (because the operation port is deleted, it is a sell order) is stored. In addition, the event reflecting means 25 changes the operation port status in the record of the operation port to be deleted of the operation port storage means 43 (see FIG. 3) to "operation end". Then, the order creation means 26 performs the order data creation timing determination process using the order date in the record of the operation port deletion stored in the order management storage means 55 (see FIG. 13), and the date determined to be created. , Create order data to sell all quantities of all stocks operated in the operation unit to be deleted, and place an order using the order data on the business day following the order data creation date. The details of this operation port deletion event will be described later with reference to FIGS. 21 and 24.

The style change is an event of the service that changes the operation style set in the operation port. The application for this style change can be made at any time and will be applied from the month following the application. In this style change event, when a style change application is made, the setting reception means 21 accepts the application and the event storage means 50 (see FIG. 8) records the style change (about the operation unit to be style changed). The investment unit fund code (investment unit identification information), event number automatically assigned, event classification, investment style code before and after the change (investment style identification information), etc.) are created, and then the information of the record. In the nighttime batch processing on the last business day of the month in which the application was made, the event reflection means 25 reflects the change in the issue composition due to the style change in the operation unit issue composition storage means 62 (see FIG. 18). At the same time, in the order management storage means 55 (see FIG. 13), first, for the sell order, the operation unit unit including the event number, the order date, the latest contract date, and the latest delivery date for the style change event for which the order data is created. Order management information is stored. Then, the order creation means 26 performs an order data creation timing determination process using the order date of the sell order stored in the order management storage means 55 (see FIG. 13), and stores the event on the day when it is determined to create. Create order data for sell orders using the operation style code before and after the change stored in means 50 (see FIG. 8), and place an order using the order data for sell orders on the business day following the order data creation date. .. Subsequently, when the sell orders of all the brands are executed, the hold period due to the sell order of the style change ends. Therefore, in the nighttime batch processing on the latest execution date, the event reflection means 25 is used to execute the order management storage means 55 (Fig. (Refer to 13) stores order management information for each operation unit including the event number, order date, latest contract date, and latest delivery date for the style change event for which order data is to be created. Then, the order creation means 26 performs an order data creation timing determination process using the order date of the buy order stored in the order management storage means 55 (see FIG. 13), and stores the event on the day when it is determined to create the order data. Create order data for buy orders using the operational style code before and after the change stored in means 50 (see FIG. 8), and place an order using the order data for buy orders on the business day following the order data creation date. ..

Investment target stock change is a service event that changes stocks in the asset class that constitutes the investment unit for each investment unit. The relationship between the investment style and the asset class is as follows. One investment style selected by the customer is set for one investment unit. For example, the investment style of a domestic stock-type investment trust has an asset class allocation ratio of 10% and an overseas stock-type investment. Multiple assets, such as a trust asset class allocation ratio of 30%, a domestic bond-type investment trust asset class allocation ratio of 20%, and an overseas bond-type investment trust asset class allocation ratio of 40%. It is composed of classes. As shown in FIG. 7, the set configuration ratio in the investment style is stored in the investment style / asset class configuration storage means 48 as the allocation ratio of the asset class associated with the investment style code.

Further, the asset class is composed of a plurality of stocks, for example, the allocation ratio of the issue A is 50%, the allocation ratio of the issue B is 50%, and the like. As shown in FIG. 18, the set composition ratio in the asset class is stored in the investment unit stock composition storage means 62 as the allocation ratio of the target issue in the asset class. Therefore, the investment target stock change event is a service for changing stocks in this asset class. For example, from stocks A and B (stock A allocation ratio 50%, stock B allocation ratio 50%), stock A , B, C (allocation ratio of issue A 40%, allocation ratio of issue B 30%, allocation ratio of issue C 30%), etc. In this case, issues A and B are slightly changed. It will be sold one by one to purchase brand C. A sale order is placed at the end of the month when the change application is accepted, and a purchase order is placed after the sale order is executed.

In this investment target stock change event, when an application for investment target stock change is made, the application is accepted by the setting receiving means 21 and the investment target stock change record (investment) is stored in the event storage means 50 (see FIG. 8). An investment unit fund code (investment unit identification information), automatically assigned event number, event classification, asset class code before and after the change, etc.) is created for the investment unit that changes the target issue, and then the record is created. In the night batch processing on the last business day of the month when the application was made, the event reflection means 25 was used to change the stock composition of the investment unit to the investment unit stock composition storage means 62 (see FIG. 18). Is reflected, and in the order management storage means 55 (see FIG. 13), first, for the sell order, the event number, the order date, the latest contract date, and the latest delivery for the investment target stock change event for which the order data is created. Order management information for each investment unit including the day is stored. Then, the order creation means 26 performs an order data creation timing determination process using the order date of the sell order stored in the order management storage means 55 (see FIG. 13), and stores the event on the day when it is determined to create. Create order data for sell orders using the asset class code before and after the change stored in means 50 (see FIG. 8), and place an order using the order data for sell orders on the business day following the order data creation date. .. Subsequently, when the sell orders of all the stocks are executed, the hold period due to the sell order of the investment target stock change ends. (See Fig. 13) stores order management information for each investment unit, including the event number, order date, latest contract date, and latest delivery date for the investment target stock change event for which order data is to be created for buy orders. Will be done. Then, the order creation means 26 performs an order data creation timing determination process using the order date of the buy order stored in the order management storage means 55 (see FIG. 13), and stores the event on the day when it is determined to create the order data. Create order data for buy orders using the asset class code before and after the change stored in means 50 (see FIG. 8), and place an order using the order data for buy orders on the business day following the order data creation date. ..

Regular receipt is an event in which an investment trust is sold in a month specified by the customer (regular receipt month), and the customer receives the funds obtained from the sale. More specifically, the event related to this periodic receipt includes, for example, , There are events such as regular receipt application, regular receipt content change, and regular receipt. The regular receipt application and the regular receipt here are events with different occurrence times and purposes, and the regular receipt application is an application event for registering the contents of the regular receipt, whereas the regular receipt is an event. It is an event to generate regular receipt at a predetermined time (in this embodiment, the end of the month before the regular receipt month) based on the registration information, and the change of the regular receipt content is the registered content (regular receipt timing, regular receipt). This is an event to change the designated amount of money to be received. Of these, the regular receipt event is an event accompanied by a sell order (in this embodiment, a month-end event).

In the event of the regular receipt application, when the regular receipt application (application time is arbitrary) is made, the application is accepted by the setting reception means 21 and the event storage means 50 (see FIG. 8) records the regular receipt application (target). Includes investment unit fund code (operation unit identification information), event number automatically assigned, event classification, regular receipt timing, regular receipt designated amount, etc .: These regular receipt timing and regular receipt designated amount are the initial application Although it is the default value in, it may be stored as a substitute in the column of the value before or after the change), and then, using the information of the record, the event reflection means 25 is used to store the operation port. Registration information for regular receipt (regular receipt timing, regular receipt designated amount, etc.) is stored in the record of the target operation unit already created in 43 (see FIG. 3).

In the regular receipt event, the event preparation means 22 uses the periodic receipt registration information stored in the operation port storage means 43 (see FIG. 3) at a predetermined time (at least, the operation port storage means 43 (FIG. 3). On the last business day of the month before the regular receipt month determined by the regular receipt timing stored in (see) or the day before that), the event storage means 50 (see FIG. 8) records the regular receipt event (target operation). Includes investment unit fund code (operation unit identification information), event number automatically assigned, event classification, periodic receipt judgment date, etc .: In the present embodiment, the periodic receipt determination date is the periodic receipt. The last business day of the month before the month is set) is created. Further, in the nighttime batch processing of the periodical receipt determination date stored in the event storage means 50 (see FIG. 8), the event preparation means 22 determines whether or not to carry out the periodic receipt in the current month (receipt itself). Is the next month, so the process of determining whether or not to perform the order data creation process for that month) is performed, and the periodic receipt determination result is already created in the event storage means 50 (see FIG. 8). It is stored in the record of regular receipt. Subsequently, when the periodic receipt determination result stored in the event storage means 50 (see FIG. 8) is the result of executing the periodic receipt (“creating” the sale order data accompanying the periodic receipt in the current month). Is the nighttime batch processing of the regular receipt determination date, and the event reflection means 25 is used to send the order management storage means 55 (see FIG. 13) with the event number, order date, and maximum for the regular receipt event for which order data is to be created. Order management information for each operation unit including the late contract date and the latest delivery date (because it is a regular receipt, it is a sell order) is stored. Then, the order creation means 26 performs the order data creation timing determination process using the order date stored in the order management storage means 55 (see FIG. 13), and on the day when the order data creation timing determination process is determined to be created, the operation port storage means 43 Order data is created using the regular receipt specified amount stored in (see FIG. 3) or event storage means 50 (see FIG. 8), and an order is placed using the order data on the business day following the order data creation date. To do.

In the event of changing the contents of the regular receipt, when the application for changing the contents of the regular receipt is made (the application time is arbitrary), the application is accepted by the setting reception means 21 and the contents of the regular receipt are received by the event storage means 50 (see FIG. 8). The change record (including the investment unit fund code (operation unit identification information) for the target investment unit, the event number automatically assigned, the event classification, etc., and the regular receipt timing before and after the change, or according to the item to be changed, , The specified amount of regular receipt before and after the change, etc.) is created, and then stored in the operation port storage means 43 (see FIG. 3) by the event reflecting means 25 using the information of the record. Change processing is performed for the change items (regular receipt timing, periodic receipt specified amount, etc.) in the registration information of periodic receipt in the record of the target operation unit. The periodic receipt timing is information indicating that the periodic receipt timing of each operation unit is, for example, monthly, bimonthly (odd month), bimonthly (even month), every 3 months, every 6 months, every 12 months, etc. Is.

A donation is an event in which an investment trust is sold and the funds obtained from the sale are donated to a donation destination designated by the customer. More specifically, an event related to this donation includes, for example, a donation application and donation details. There are events such as changes and donations. The donation application and the donation here are events with different times and purposes, and while the donation application is an application event for registering the contents of the donation, the donation is a donation based on the registration information. Is an event to occur at a predetermined time (in the present embodiment, the end of the month), and the donation content change is an event to change the registered content (donation destination, donation amount, etc.). Of these, the donation event is an event that involves a sell order (in this embodiment, a month-end event).

In a donation application event, when a donation application (application time is arbitrary) is made, the application is accepted by the setting reception means 21 and the donation application record (about the target operation unit) is sent to the event storage means 50 (see FIG. 8). Includes investment unit fund code (management unit identification information), event number automatically assigned, event classification, donation destination, donation amount, etc .: These donation destinations and donation amount are the default values at the time of application. (It may be stored as a substitute in the value column before or after the change) is created, and then, using the information of the record, it has already been created in the operation port storage means 43 (see FIG. 3) by the event reflecting means 25. Donation registration information (donation destination, donation amount, etc.) is stored in the record of the target operation unit.

At the donation event, the event preparation means 22 uses the donation registration information stored in the operation port storage means 43 (see FIG. 3) at a predetermined time (at least the last business day of the month preceding the donation month or the same). (The day before), the record of the event donated to the event storage means 50 (see FIG. 8) (the investment unit fund code (operation unit identification information) for the target investment unit, the event number automatically assigned, the event classification, and the donation. Including the calculation processing date, etc .: In this donation calculation processing date, the last business day of the month preceding the donation month is set) is created. Subsequently, in the nighttime batch processing of the donation calculation processing date stored in the event storage means 50 (see FIG. 8), the event reflection means 25 creates order data in the order management storage means 55 (see FIG. 13). The order management information for each operation unit including the event number, order date, latest contract date, and latest delivery date for the target donation event (because it is a donation, it is a sell order) is stored. Then, the order creation means 26 performs the order data creation timing determination process using the order date stored in the order management storage means 55 (see FIG. 13), and on the day when the order data creation timing determination process is determined to be created, the operation port storage means 43 Order data is created using the donation amount stored in (see FIG. 3) or event storage means 50 (see FIG. 8), and an order is placed using the order data on the business day following the order data creation date.

In the donation content change event, when an application for donation content change is made (application time is arbitrary), the application is accepted by the setting reception means 21 and the donation content change record is received in the event storage means 50 (see FIG. 8). (Including the investment unit fund code (operation unit identification information), event number automatically assigned, event classification, etc. for the target investment unit, and depending on the item to be changed, the donation destination before and after the change, or before and after the change (Including the changed donation amount, etc.) is created, and then, using the information of that record, in the record of the target operation unit stored in the operation unit storage means 43 (see FIG. 3) by the event reflecting means 25. Change processing is performed for the change items (donation destination, donation amount, etc.) in the donation registration information. The donation destination is information indicating that the donation destination (donation theme) of each operation port is, for example, food support, medical care, environment, child support, disaster recovery, and the like.

Periodic reserve is an event in which investment trusts are purchased on a regular basis on a designated day in a month designated by the customer and the set amount is increased for each investment unit. Corresponds to. More specifically, the events related to the regular reserve include, for example, each event such as a regular reserve application, a change in the content of the regular reserve, and a regular reserve. The regular reserve application and the regular reserve here are events with different occurrence times and purposes, and the regular reserve application is an application event for registering the contents of the regular reserve, whereas the regular reserve is an event. It is an event to generate a regular reserve at a predetermined time (business day before the regular reserve setting date of the designated month) based on the registration information, and the change of the regular reserve content is the registered content (regular reserve timing, regular reserve). It is an event to change the set date, monthly regular reserve amount, bonus month regular reserve additional amount, etc.).

In the event of the periodical reserve application, when the periodical reserve application (application time is arbitrary) is made, the application is accepted by the setting reception means 21 and the event storage means 50 (see FIG. 8) records the periodic reserve application (target). Includes investment unit fund code (operation unit identification information), event number automatically assigned, event classification, regular reserve timing, regular reserve setting date, monthly regular reserve amount, bonus month regular reserve additional amount, etc .: These regular reserve timing, regular reserve setting date, monthly regular reserve amount, and bonus month regular reserve additional amount are the default values at the time of application, but they are stored in the column of values before or after the change. May be created), and then, using the information of the record, the event reflecting means 25 is used to periodically reserve the record of the target operation unit that has already been created in the operation unit storage means 43 (see FIG. 3). Registration information (regular reserve timing, regular reserve setting date, monthly regular reserve amount, bonus month regular reserve additional amount, etc.) is stored.

In the regular reserve event, the event preparation means 22 uses the registration information of the regular reserve stored in the operation port storage means 43 (see FIG. 3) at a predetermined time (at least, the regular reserve setting date of the designated month). On the previous business day or the day before that, the event storage means 50 (see FIG. 8) has a record of the event of the periodical accumulation (the investment unit fund code (operation unit identification information) for the target investment unit, and the event automatically assigned. Includes number, event classification, regular reserve setting date, etc .: This regular reserve setting date is not an event for changing the regular reserve contents, but it may be stored in the column of the regular reserve setting date before or after the change.) Is created. Subsequently, in the nighttime batch processing on the business day before the periodic reserve setting date stored in the event storage means 50 (see FIG. 8), the event reflection means 25 places an order with the order management storage means 55 (see FIG. 13). The order management information for each operation unit including the event number, order date, latest contract date, and latest delivery date for the periodical reserve event for which data is to be created (because it is periodical reserve, it is a buy order) is stored. Then, the order creation means 26 performs the order data creation timing determination process using the order date stored in the order management storage means 55 (see FIG. 13), and on the day when the order data creation timing determination process is determined to be created, the operation port storage means 43 Order data is created using the monthly regular reserve amount stored in the event storage means 50 (see FIG. 8) or the regular reserve additional amount of the bonus month, and the business day following the order data creation date. To place an order using the order data.

In the event of changing the contents of the regular reserve, when the application for changing the contents of the regular reserve is made (the application time is arbitrary), the application is accepted by the setting receiving means 21 and the contents of the regular reserve are received in the event storage means 50 (see FIG. 8). Includes change records (management unit fund code (management unit identification information) for the target investment unit, event number automatically assigned, event classification, etc., and according to the item to be changed, the periodic accumulation timing before and after the change, change (Including the previous and changed regular reserve setting dates, the monthly regular reserve amount before and after the change, or the regular reserve additional amount for the bonus month before and after the change, etc.) are created, and then the record Using the information, the event reflecting means 25 uses the change items (regular reserve timing, periodic reserve setting) of the registration information of the periodic reserve in the record of the target operation unit stored in the operation port storage means 43 (see FIG. 3). Changes are made to the daily, monthly regular reserve amount, bonus month regular reserve additional amount, etc.). The periodic reserve timing is information indicating whether the purchase for reserve is carried out every month or in a pattern other than that (for example, every other month). The fixed-term reserve setting date is the purchase date of the investment trust every month (designated month). The fixed-term reserve amount is the purchase amount of the investment trust every month (designated month), and the fixed-term reserve additional amount is the purchase amount added to the monthly (designated month) fixed-term reserve amount in the bonus month.

The withholding event is an event to calculate the estimated amount equivalent to withholding tax and sell the investment trust using the estimated amount in order to secure funds for withholding tax in advance. is there. In December, the withholding amount is calculated by the trading system 70 and tax is collected from the customer's main account, but unless there is an event of reduction that can secure funds by selling order or deletion of investment unit at the same time. Since the funds for tax collection cannot be obtained, the investment trust under management at the target investment unit will be sold for the purpose of securing the funds in advance. Therefore, since the withholding event is an event that involves a sell order, if a gain on transfer is generated by the execution of this sell order, it is also subject to withholding tax. In this embodiment, not only the event for calculating the estimated amount of withholding tax and the selling order based on the estimated amount, but also the event for calculating the fixed amount of the withholding tax amount. , Since it is treated as a withholding event, the withholding event for calculating the estimated amount in the former case is an event that involves a sell order, but the withholding event for calculating the fixed amount in the latter case does not involve a sell order. It will be an event.

At the withholding event (withholding event for calculating the estimated amount accompanied by a sell order), the withholding preparation means 23 is used at a predetermined time (at least, the estimated amount calculation date (in this embodiment, the fifth business day of December)). Or on the day before that), the withholding event storage means 51 (see FIG. 9) has a record (automatically assigned withholding event number (identification information of withholding event), investment unit fund code for the target investment unit (or earlier). Operation unit identification information), withholding tax processing implementation date (here is the estimated amount calculation date, in this embodiment, the 5th business day of December), withholding tax calculation base year, estimated amount / fixed amount classification (here) (Information indicating that the calculation is a provisional calculation for calculating the estimated amount), the batch processing date (including the date reflected by the event reflecting means 25), etc.) are created. Then, a night batch of the withholding tax processing implementation date (here, the estimated amount calculation date, and in this embodiment, the fifth business day of December) stored in the withholding event storage means 51 (see FIG. 9). In the process, the withholding tax preparation means 23 performs the withholding tax equivalent amount calculation process, and the calculation result is stored in the withholding tax calculation result storage means 52 (see FIG. 10). Subsequently, in the nighttime batch processing on the estimated amount calculation date (fifth business day of December in this embodiment), which is the same day, the event reflecting means 25 is used to send the order data to the order management storage means 55 (see FIG. 13). Order management information for each operation unit including the withholding event number, order date, latest contract date, and latest delivery date, which is the identification information (event number) of the withholding event to be created (sell order because it is a withholding event) Is memorized. Then, the order creation means 26 performs the order data creation timing determination process using the order date stored in the order management storage means 55 (see FIG. 13), and the order creation means 26 determines that the order data is to be created. , Order data is created using the estimated withholding amount equivalent to the withholding amount stored in the withholding calculation result storage means 52 (see FIG. 10), and the order data is used on the business day following the order data creation date. order. Details of this withholding event will be described later with reference to FIGS. 20 and 23.

In addition, at the withholding event (withholding event for calculating the fixed amount without selling order), the withholding preparation means 23 is used at a predetermined time (at least, the cooperation setting date (in this embodiment, the 13th business in December). On the day) or the day before that, the withholding event storage means 51 (see FIG. 9) is recorded (automatically assigned withholding event number (identification information of the withholding event), and the withholding fund for the target investment unit. Code (operation unit identification information), withholding tax processing implementation date (here, the cooperation setting date, the 13th business day of December in this embodiment), withholding tax calculation base year, estimated amount / fixed amount classification ( Here, information) and the like indicating that it is the main calculation for calculating the fixed amount) are created. Then, nighttime batch processing of the withholding tax processing implementation date (here, the cooperation setting date, in this embodiment, the 13th business day of December) stored in the withholding tax event storage means 51 (see FIG. 9). Then, the withholding tax preparation means 23 performs the withholding tax equivalent amount fixed amount calculation process, and the calculation result is stored in the withholding tax calculation result storage means 52 (see FIG. 10). In the case of this withholding tax event for calculating the fixed amount, since the sell order is not accompanied, the process of creating a record in the order management storage means 55 (see FIG. 13) and storing the order management information is not performed. In addition, when the cooperation setting date (in this embodiment, the 13th business day of December) is not stored out and can be freely changed, but is described in the program constituting the withholding tax preparation means 23. It is not necessary to generate a withholding event for this fixed amount calculation.

Rebalancing is when the portfolio of investment trusts that make up the investment unit (composition ratio of each stock) deviates from the allocation ratio according to the investment style based on the contract with the customer. If the rate is not within the range of the rebalancing judgment standard deviation rate, buy and sell each stock of investment trusts that make up the investment trust, and adjust the portfolio of investment units to the allocation ratio according to the investment style. It is an event. That is, a stock whose composition ratio (holding ratio) is larger than the allocation ratio according to the investment style is sold, and the amount obtained from the sale is used to make the composition ratio higher than the allocation ratio according to the investment style. This is an event to buy smaller stocks.

In the rebalancing event, the rebalancing means 24 records (automatically assigns rebalancing) to the rebalancing storage means 53 (see FIG. 11) at a predetermined time (at least the last business day of each month or a day before that). Includes balance number (identification information of rebalancing event), investment unit fund code (operation unit identification information) for the target investment unit, rebalancing implementation judgment date, etc .: In this embodiment, this rebalancing implementation judgment date The last business day is set for the day) is created. Further, in the nighttime batch processing of the rebalancing execution determination date stored in the rebalancing storage means 53 (see FIG. 11), the rebalancing means 24 determines whether or not to perform rebalancing in the current month. The result of the rebalancing execution determination is stored in a record already created in the rebalancing storage means 53 (see FIG. 11). Subsequently, when the rebalancing execution determination result stored in the rebalancing storage means 53 (see FIG. 11) is a result that rebalancing is required, an event is performed in the nighttime batch processing of the rebalancing execution determination date. By the reflection means 25, the order management storage means 55 (see FIG. 13) first receives the rebalancing number, the order date, and the latest execution, which are the identification information (event number) of the rebalancing event for which the order data is created, for the sell order. Order management information for each operation unit including the date and the latest delivery date is stored. Then, the order creation means 26 performs an order data creation timing determination process using the order date of the sell order stored in the order management storage means 55 (see FIG. 13), and creates an order on the day when it is determined to be created. The valuation amount based on the base price at that time for the balance quantity of each stock held by the target investment unit stored in the balance storage means 44 (see FIG. 4) by the means 26, and the investment unit stock composition storage means 62 (FIG. 4). 18) and the set configuration ratio stored in the operation style / asset class configuration storage means 48 (see FIG. 7) are used to create order data for rebalanced sell orders, and the business day following the order data creation date. To place an order using the order data of the sell order. Subsequently, when the sell orders of all the stocks are executed, the hold period due to the rebalance sell order ends. Therefore, in the nighttime batch processing on the latest execution date, the event reflection means 25 is used to execute the order management storage means 55 (Fig. (See 13), for buy orders, orders for each operation unit including the rebalancing number, order date, latest contract date, and latest delivery date, which are the identification information (event number) of the rebalancing event for which order data is to be created. Management information is stored. Then, the order creation means 26 performs an order data creation timing determination process using the order date of the buy order stored in the order management storage means 55 (see FIG. 13), and creates an order on the day when it is determined to be created. The valuation amount based on the base price at that time for the balance quantity of each stock held by the target investment unit stored in the balance storage means 44 (see FIG. 4) by the means 26, and the investment unit stock composition storage means 62 (FIG. 4). 18) and the set configuration ratio stored in the operation style / asset class configuration storage means 48 (see FIG. 7) are used to create order data for rebalanced buy orders, and the business day following the order data creation date. To place an order using the order data of the buy order.

Quarterly fee collection is an event that sells investment trusts in order to secure quarterly fees that are collected quarterly as the investment period elapses, in addition to the contract fees that are collected when new contracts are made or when investment units are added. is there. More generally, the length of the break is not limited to quarters, but may be, for example, half a year, so it is an event for collecting period fees. Both the contract fee and the quarterly fee (more generally, the term fee) are fees collected from customers by financial institutions such as securities companies that provide fund wrap services, but in the case of contract fees, they are at the time of new contracts. Since there is a deposit from the customer when adding an investment unit (same as when increasing the amount), a part of it is used for fee collection, whereas in the case of a quarterly fee (period fee), there is no deposit, so Sell the investment trust in operation held by the customer and use it to collect fees. Therefore, the event of quarterly fee collection (period fee collection) is an event accompanied by a sell order (in this embodiment, a month-end event).

In the quarterly fee collection event, the event preparation means 22 records the quarterly fee collection storage means 54 (see FIG. 12) at a predetermined time (at least the last business day of the quarterly fee collection month or a day before that). (Including automatically assigned quarterly fee collection number (quarterly fee collection event identification information), investment unit fund code (operation unit identification information) for the target investment unit, quarterly fee calculation processing date, etc .: In this embodiment, The last business day of the quarterly fee collection month is set in this quarterly fee calculation processing date). Further, in the nighttime batch processing of the quarterly fee calculation processing date stored in the quarterly fee collection storage means 54 (see FIG. 12), the fee calculation means 28 performs the quarterly fee calculation processing, and the calculated quarter. The amount of the fee (investment advisory fee amount and transaction management fee amount) is stored in the calculation fee storage means 57 (see FIG. 15). Subsequently, in the nighttime batch processing of the quarterly fee calculation processing date, the event reflecting means 25 causes the order management storage means 55 (see FIG. 13) to identify the quarterly fee collection event (event number) for which the order data is to be created. ), The order management information for each operation unit including the quarterly fee collection number, order date, latest contract date, and latest delivery date (since quarterly fee collection, it is a sell order) is stored. Then, the order creation means 26 performs the order data creation timing determination process using the order date stored in the order management storage means 55 (see FIG. 13), and on the day when the order data creation timing determination process is determined to be created, the calculation fee storage means 57 Order data is created using the quarterly fee amount stored in (see FIG. 15), and an order is placed using the order data on the business day following the order data creation date. Since the amount of the quarterly fee is small, it is only necessary to sell the stock that deviates the most from the portfolio in line with the investment style.

<Detailed configuration of fund wrap system 10>

<Structure of fund wrap system 10 / processing means 20 / setting receiving means 21>

The setting receiving means 21 is a customer setting information (various events) that is input by the customer or its input agent (salesperson, operator, etc. of a financial institution such as a securities company) and transmitted from the terminal device 100 via the network 1. The process of accepting (including the application of) and registering it in the storage means 40 is executed.

Specifically, when the setting receiving means 21 accepts the application for a new contract, the received information is stored in the event storage means 50 (see FIG. 8) (including the creation of a record), and the new contract is entered. Various setting information to be accompanied is stored in the main account storage means 41, the contract storage means 42, and the operation port storage means 43 (see FIG. 3) (including the creation of records). More specifically, the setting receiving means 21 transfers, for example, the automatically assigned account fund code and the account number (customer identification information) of the customer's main account entered at the time of login to the main account storage means 41 (see FIG. 3). Remember (including creating records).

Further, the setting receiving means 21 is, for example, an automatically assigned contract fund code, an account number of the customer's main account, a service type classification for the service selected by the customer, a new contract date, and a new contract amount (at the time of a new contract). The contract storage means 42 (Fig.) For the contract storage means 42 (figure) Store in (see 3) (including creating a record).

Further, the setting receiving means 21 is for identifying, for example, the automatically assigned investment unit fund code (operation unit identification information), the account number of the customer's main account, the service type classification, the automatically assigned investment units 1, 2, ... Operation unit number which is a serial number of, operation unit name which is text data indicating the nickname of the operation unit named by the customer, operation style classification selected by the customer, operation style selected by the customer (stable type, slightly stable type, Operation style code (operation style identification information) for identifying balanced type, slightly aggressive type, aggressive type, etc.), operation unit status, set amount for each operation unit (amount operated by operation unit) : Amount at each point in time and renewed), contract fund code linked to investment unit fund code, initially set amount (set amount at the time of new contract or addition of investment unit), etc. Store in (see FIG. 3) (including creating a record). When a plurality of operation ports are set, the record is created in the operation port storage means 43 (see FIG. 3) for each operation port.

Even when an application for adding an operation unit is received after the start of operation, not at the time of a new contract, the setting reception means 21 stores the received information in the event storage means 50 (see FIG. 8) (create a record). (Including), and the above-mentioned various setting information about the added operation port is stored in the operation port storage means 43 (see FIG. 3) (including the creation of a record). Therefore, when the operation port is added, the records of the operation port storage means 43 (see FIG. 3) are added by the number of the added operation ports.

In addition, the setting receiving means 21 not only accepts applications for new contracts and addition of investment units, but also increases, decreases, deletes investment units, changes styles, changes investment target stocks, regular receipt applications, and changes in regular receipt contents (regular receipt timing). , Change of regular receipt designated amount, etc.), donation application, change of donation contents (change of donation destination, donation amount, etc.), regular fund application, change of regular fund contents (regular fund timing, regular fund setting date, monthly regular fund amount , Changes in the amount of regular reserves added for the bonus month, etc.), created a record of the accepted event in the event storage means 50 (see FIG. 8), and assigned the event number to the event. Event classification, event status (applying, established, unsuccessful, canceled, ...), investment unit fund code (operation unit identification information), account number of the customer's main account (customer identification information), contract fund code, operation start date , Various amounts related to the event (set amount for each investment unit at the time of new contract or addition of investment unit, increase amount for each investment unit, decrease amount for each investment unit, etc.), contents before and after the change (amount, timing, code, date Etc.) etc. are memorized.

The information stored in the event storage means 50 (see FIG. 8) after receiving the application for various events by the setting reception means 21 is batch processed by the event reflection means 25 (in the present embodiment, the night batch is executed at night). There is a lot of information reflected in the processing), but in this embodiment, as described above, record creation in the main account storage means 41 and contract storage means 42 (see FIG. 3), new contracts, and addition of operation units The record creation in the operation port storage means 43 (see FIG. 3) at the time is executed not by the event reflecting means 25 but by the setting receiving means 21. The process of registering various setting information in the record of the target operation port already created in the operation port storage means 43 (see FIG. 3) shall be executed by the event reflection means 25 instead of the setting reception means 21. Therefore, for example, in the event of the periodic receipt application, the process of storing the registration information (regular receipt timing, the periodic receipt designated amount, etc.) of the periodic receipt in the record of the operation unit storage means 43 (see FIG. 3), in the event of the donation application. Processing to store donation registration information (donation destination, donation amount, etc.) in the record of operation port storage means 43 (see FIG. 3), periodical in the record of operation port storage means 43 (see FIG. 3) at the event of periodical reserve application The process of storing the registration information of the reserve (periodic reserve timing, periodic reserve setting date, monthly periodic reserve amount, bonus month periodic reserve addition amount, etc.) is executed by the event reflecting means 25.

Further, as described above, the setting receiving means 21 accepts applications for the events of the regular receipt application, the donation application, and the regular reserve application, creates a record of these events, and uses the event storage means 50 (see FIG. 8). Remember, for regular pick-up, donation, and regular funding events, as we've already seen in detail, instead of accepting online input applications from customers or their input agents, when a certain time comes. Since the event preparation process is performed based on the information already registered, the event preparation means 22 is used instead of the setting reception means 21 to create a record of these events and store them in the event storage means 50 (see FIG. 8). Let me.

For withholding events, rebalancing events, and quarterly fee collection (more generally, period fee collection) events, we do not accept online input applications from customers or their input agents, but rather specify them. Since the events are prepared when the time comes, the record creation process of these events is performed as follows, instead of being performed by the setting receiving means 21. That is, with respect to the withholding event, when the predetermined withholding processing time arrives, the withholding preparation means 23 records the withholding event storage means 51 (see FIG. 9) to create a record (withholding event generation). Processing). Further, for the event of quarterly fee collection (more generally, period fee collection), when the predetermined fee collection time arrives, the event preparation means 22 records the quarter fee collection storage means 54 (see FIG. 12). Perform the creation process. Further, regarding the rebalancing event, when the predetermined rebalancing processing time comes, the rebalancing means 24 performs a record creation process on the rebalancing storage means 53 (see FIG. 11).

As shown in FIG. 2, the account fund code, the contract fund code, and the investment unit fund code automatically assigned by the setting receiving means 21 are linked to each other and form a hierarchical structure from the upper layer to the lower layer in this order. To do. However, the account fund code, contract fund code, and investment unit fund code are automatically assigned so as to be consecutive numbers in a state where the three codes are combined so as not to overlap each other. These codes are actually, for example, about 10 digits, but will be described below using 3 digits for convenience of explanation.

Specifically, for example, a customer, Taro Yamato, made a new contract for a fund wrap service, selected a service called "fund wrap premium" from among several fund wrap services prepared, and two investment units 1 , 2 are set, operation style A is selected for operation port 1, and operation style B is selected for operation port 2. At this time, the setting receiving means 21 automatically assigns the account fund code = 001, and together with the account number of the main account of Taro Yamato (for example, the account number of the securities general account opened at the securities company), the main account storage means 41 Store in (see FIG. 3). Further, the contract fund code = 002 is automatically assigned, and the contract fund code = 001 already automatically assigned is stored in the contract storage means 42 (see FIG. 3). Further, the investment unit fund code = 003 is automatically assigned to the investment unit 1 for which the investment style A is selected, and the investment unit fund code = 004 is automatically assigned to the investment unit 2 for which the investment style B is selected. Together with the granted contract fund code = 002, it is stored in the investment unit storage means 43 (see FIG. 3).

Then, for example, another customer, Hanako Yamato, made a new contract for the fund wrap service, selected a service called "fund wrap premium" from several fund wrap services prepared, and two investment units 1 , 2 are set, operation style C is selected for operation port 1, and operation style D is selected for operation port 2. At this time, the setting receiving means 21 automatically assigns the account fund code = 005 and stores it in the main account storage means 41 (see FIG. 3) together with the account number of the main account of Hanako Yamato. Further, the contract fund code = 006 is automatically assigned, and the contract fund code = 005 already automatically assigned is stored in the contract storage means 42 (see FIG. 3). Further, the investment unit fund code = 007 is automatically assigned to the investment unit 1 for which the investment style C is selected, and the investment unit fund code = 008 is automatically assigned to the investment unit 2 for which the investment style D is selected. Together with the granted contract fund code = 006, it is stored in the investment unit storage means 43 (see FIG. 3).

After that, the first customer, Taro Yamato, selected a service called "Fund Wrap Online", which is another service among several prepared fund wrap services, set investment port 1, and selected investment style E. Suppose you did. At this time, the setting receiving means 21 automatically assigns the contract fund code = 009, and stores the contract fund code = 001 together with the already automatically assigned account fund code = 001 in the contract storage means 42 (see FIG. 3). Further, the investment unit fund code = 010 is automatically assigned to the investment unit 1 for which the investment style E is selected, and the investment unit storage means 43 (see FIG. 3) is stored together with the contract fund code = 009 that has already been automatically assigned. There are several types of fund wrap services. For example, the "fund wrap premium" service (service type classification = 01) has a large contract amount (for example, 30 million yen or more and 10,000 yen units). Up to 5 investment units can be set, and the "Fund Wrap Online" service (service type classification = 02) has a small contract amount (10,000 yen or more and 1 yen unit), and only one investment unit can be set. There are differences such as. However, these are just examples. For example, the maximum number of investment units that can be set is not limited to 5, but may be more or less than that, and multiple investment units can be set for all fund wrap services. However, the size of the contract amount is arbitrary. It is rare, but in reality, that one customer, Taro Yamato, uses multiple types of fund wrap services at the same time.

Further, after that, it is assumed that the first customer, Taro Yamato, additionally sets the investment unit 3 for the "fund wrap premium" service that has already been contracted, and selects the investment style F for the investment unit 3. .. At this time, the setting receiving means 21 automatically assigns the investment unit fund code = 011 to the investment unit 3 for which the investment style F is selected, and together with the contract fund code = 002 already automatically assigned, the investment unit storage means 43 (Fig. 3) to memorize.

Therefore, since the investment unit fund code is automatically assigned to all investment units of all contracts of all customers so as not to overlap, it functions as investment unit identification information. Further, since the account fund code, the contract fund code, and the investment unit fund code are stratified, the investment unit storage means 43, the contract storage means 42, and the main account storage means 41 are arranged in this order from the investment unit fund code to the contract fund. Since it is possible to trace the code, trace the account fund code from the contract fund code, and trace the account number (customer identification information) of the main account from the account fund code, these three fund codes can be combined into three customer identification information. It can be said that it functions as, or it can be said that it is identification information that can identify the customer identification information in combination of the three. Therefore, the description of "remembering in association with customer identification information" in the present invention (claim) includes the meaning that it is stored so that the customer identification information can be reached from these three fund codes. Therefore, it does not necessarily mean that the customer identification information (in the present embodiment, the account number of the main account) itself exists in the same record. Therefore, if the investment unit fund code is stored in a certain record, it functions as the investment unit identification information, and the investment unit fund code is the customer identification information stored in another record (this implementation). In the form, it also functions as identification information for identifying (account number of the main account), and in this state, in the present invention (claim), "stored in association with customer identification information and operation unit identification information". It is described as.

Further, the setting receiving means 21 receives the system setting information input by the system person in charge of a financial institution such as a securities company and transmitted from the terminal device 110 via the communication line 5 or the network 1, and is registered in the storage means 40. It also executes the processing to be performed.

Specifically, the setting receiving means 21 uses, for example, a service type classification (“fund wrap premium” service = 01, “fund wrap online” service = 02,…) and a management style classification (common) as setting information regarding the management style. Style = 1, individual style (1) = 2, individual style (2) = 3, ...), operation style code (operation style identification information), operation that is text data named by the person in charge of the system for the operation style. The style name (stable type, slightly stable type, balanced type, slightly aggressive type, aggressive type, etc.), the fee code for identifying the fee rate applied to the operation style (commission rate identification information), etc. It is stored in the storage means 47 (see FIG. 7) (including the creation of a record).

The operation style classification is the default common style (operation style classification = 1) applicable to all customers and the individual styles (1), (2) ... (operation style classification = 2,) applied to specific customers. There are 3, ...), but it is not necessary to provide such a division. In addition, there are various operation styles such as stable type, slightly stable type, balanced type, slightly positive type, positive type, etc., and in reality, there are a large number (for example, about 400). Although operation styles are prepared, the number of operation styles prepared as a system is arbitrary, and the customer selects a different operation style for each operation unit. Therefore, at least the maximum number of operation units set per customer (for example,) It suffices if the same number of operation styles as (5) are prepared.

Further, the setting receiving means 21 uses, for example, an operation style code (operation style identification information), an asset class code (asset class identification information), and a setting configuration ratio (as setting information indicating the relationship between the operation style and the asset class). The asset class allocation ratio associated with the investment style code (in% units) is associated with the asset class and stored in the asset class configuration storage means 48 (see FIG. 7) (including the creation of records).

Further, the setting receiving means 21 associates, for example, the asset class code (asset class identification information) with the stock code (stock identification information) of the investment trust constituting the asset class as the setting information regarding the asset class, and the asset class It is stored in the brand structure storage means 49 (see FIG. 7) (including the creation of a record).

Further, the setting receiving means 21 associates, for example, a fee code (commission rate identification information) with a fee rate (investment advisory fee rate, transaction management fee rate) as setting information regarding the fee rate, and stores the fee rate (commission rate storage means). Store in (not shown) (including creating records).

<Structure of fund wrap system 10 / processing means 20 / event preparation means 22>

The event preparation means 22 creates a record of each event based on the information already registered and stores it in the event storage means 50 (see FIG. 8) when a predetermined time for each event arrives. Is to execute. While the above-mentioned setting receiving means 21 accepts an online input application from a customer or its input agent and executes processing, the event preparing means 22 is not based on the application but based on the registration information. The difference is that the system determines the arrival of a predetermined time and executes the process.

Specifically, the event preparation means 22 executes a process of creating a record for the event of regular receipt, donation, and regular accumulation and storing it in the event storage means 50 (see FIG. 8). The information stored in the record of each event created in the event storage means 50 (see FIG. 8) differs for each event, but since it has already been described in the description of each event, the explanation for each event is omitted here. To do. In addition, the event preparation means 22 executes a process of creating a record for the quarterly fee collection event and storing it in the quarterly fee collection storage means 54 (see FIG. 12). Of these, regular receipt, donation, and quarterly fee collection are events that involve sell orders (in this embodiment, end-of-month events that execute processing at the end of the month), and regular reserves are events that involve buy orders.

As already described in detail, the regular receipt, donation, and regular reserve events are events that occur at different times and have different purposes from the regular receipt application, donation application, and regular reserve application events that accept applications by the setting reception means 21. is there.

Further, the event preparation means 22 determines whether or not the periodic receipt determination date in the periodic receipt record stored in the event storage means 50 (see FIG. 8) has been reached in the periodic receipt event, and the periodic receipt means. If it is determined that the judgment date has come, the night batch processing of that day will be used to determine whether or not to carry out regular receipts in the current month (since the receipt itself will be the next month, order data creation processing for that month will be performed. The process of determining whether or not to perform the operation) is executed, and the process of storing the periodic receipt determination result in the periodic receipt record already created in the event storage means 50 (see FIG. 8) is executed.

At this time, the periodic receipt determination date is the periodic receipt timing (regular receipt timing) of the periodic receipt registration information in the record of the target operation unit stored in the operation unit storage means 43 (see FIG. 3) by the event preparation means 22. For example, it is determined by referring to every month, every other month (odd number month), every other month (even number month), every 3 months, every 6 months, every 12 months, etc.), and the event storage means 50 (see FIG. 8). This is the information stored in the record of regular receipt of. In addition, the event preparation means 22 determines whether or not to carry out regular receipt in the current month, such as the status of owned assets (operation status) stored in the balance storage means 44 (see FIG. 4) and the operation port storage means 43. It is executed by using the specified amount of regular receipt among the registration information of periodic receipt in the record of the target operation unit stored in (see FIG. 3).

<Structure of fund wrap system 10 / processing means 20 / withholding preparation means 23>

The withholding preparation means 23 creates a record of a withholding event accompanied by a sell order for securing money for withholding for each operation unit of a customer who has registered a specific account, and is a means for storing the withholding event. The withholding event generation process to be stored in 51 (see Fig. 9) and the withholding amount equivalent amount are calculated on the estimated amount calculation date (in this embodiment, as an example, the fifth business day of December every year). The expected amount calculation process and the fixed amount calculation process for calculating the fixed amount of the withholding tax amount on the cooperation setting date (in this embodiment, as an example, the 13th business day of December every year) are executed. Is. Further, in the present embodiment, the withholding preparation means 23 creates a record of the withholding event without a sell order for calculating the fixed amount of the withholding equivalent amount, and the withholding event storage means 51 (see FIG. 9). ) Is also executed, but the record creation process of the withholding event that does not accompany the sell order is performed on the cooperation setting date (in this embodiment, the 13th business in December) in the program constituting the withholding preparation means 23. It may be omitted by describing the day).

Here, the estimated amount calculation date (in this embodiment, the fifth business day of December every year) is the timing (once a year) in which it is assumed that all trading transactions in the month-end processing of November are executed. .. In addition, on the cooperation setting date (in this embodiment, the 13th business day of December every year), it is assumed that all sales transactions (sell orders for withholding tax events) for generating the amount equivalent to withholding tax are executed. Timing (once a year).

Specifically, the withholding preparation means 23 sets the expected amount calculation date (in this embodiment, as an example, the fifth business day of December) or a day before that as the withholding event generation process. A record of the withholding event accompanied by a sell order is created and stored in the withholding event storage means 51 (see FIG. 9). At this time, the withholding event number (event number that identifies the withholding event) and the withholding process (here, the estimated amount calculation process) are executed in the record of the withholding event accompanied by the sell order. The date (here, the estimated amount calculation date, and in this embodiment, the fifth business day of December is set as an example) and the withholding calculation base year (the base year for calculating the withholding amount). , For example, 2019, etc.), the investment unit fund code (investment unit identification information) of the target investment unit that performs withholding tax processing (here, estimated amount calculation processing), and the estimated amount / fixed amount classification (here). Then, information indicating that the calculation is a provisional calculation for calculating the estimated amount) and the date of execution of the batch process (a column for storing the date when the event is reflected by the event reflecting means 25) are included.

Further, the withholding tax preparation means 23 is used for calculating a fixed amount without a sell order on the cooperation setting date (in the present embodiment, the 13th business day of December is set as an example) or a day before that. A record of the withholding event is created and stored in the withholding event storage means 51 (see FIG. 9). At this time, the withholding event number (event number that identifies the withholding event) and the withholding process (here, the fixed amount calculation process) are recorded in the record of the withholding event for the fixed amount calculation without the sell order. The withholding tax processing implementation date (here, the cooperation setting date, and in this embodiment, the 13th business day of December is set as an example) and the withholding tax calculation base year (calculate the withholding amount). The base year for the event, for example, 2019, etc.), the withholding tax processing (here, fixed amount calculation processing), the investment unit fund code (operation unit identification information) of the target investment unit, and the estimated amount. Include the fixed amount classification (here, information indicating that this is the main calculation for calculating the fixed amount). When the cooperation setting date (in this embodiment, it is the 13th business day of December) is described in the program, the record creation process of the withholding event for the fixed amount calculation without this sell order is performed. It may be omitted.

Further, the withholding tax preparation means 23 performs the withholding tax processing implementation date (here, the estimated amount calculation date, which is the present implementation) stored in the withholding tax event storage means 51 (see FIG. 9) as the withholding tax calculation process. In the form, as an example, the 5th business day of December is set.) When the estimated amount of withholding tax is calculated, a record including the calculation result is created, and the withholding tax calculation result storage means. The process of storing in 52 (see FIG. 10) is executed. At this time, the record of the withholding calculation result storage means 52 (see FIG. 10) includes the calculation base year (for example, 2019), the investment unit fund code (operation unit identification information), and the estimated amount / fixed amount classification (see FIG. 10). Here, the operation of the trading profit / loss of the cumulative trading profit / loss (the cumulative trading profit / loss of the target aggregation year and the total transaction storage means 58 (see FIG. 16)) and the provisional calculation for calculating the estimated amount. Cumulative unit), accumulated commission (cumulative of commissions for the target aggregation year, but not used in the calculation of the estimated amount), and accumulated realized profit / loss (cumulative realized profit / loss for the target aggregation year). Includes "cumulative trading profit / loss-cumulative commission", but not used in the calculation of the estimated amount), the amount equivalent to withholding (here, the estimated amount equivalent to withholding), and the record registration date.

Here, the estimated amount of withholding tax is determined by the specific account transaction category (specific account transaction category) among the sales transactions of the target investment unit stored in the book value total transaction storage means 58 (see FIG. 16). The withholding tax amount obtained by multiplying the cumulative amount of trading profit and loss for transactions with = 1) by the withholding tax rate (for example, 20.315%) is further over 100% (in this embodiment). As an example, it is calculated by multiplying by 110%).

Further, the withholding preparation means 23 sets the cooperation setting date (in the present embodiment, as an example, the 13th business day of December) stored in the withholding event storage means 51 (see FIG. 9) as the fixed amount calculation process. When it becomes (set), the fixed amount of the withholding tax equivalent amount is calculated, a record including the calculation result is created, and the process of storing the withholding tax calculation result storage means 52 (see FIG. 10) is executed. .. At this time, the record of the withholding calculation result storage means 52 (see FIG. 10) includes the calculation base year (for example, 2019), the investment unit fund code (operation unit identification information), and the estimated amount / fixed amount classification (see FIG. 10). Here, the operation of the trading profit / loss of the total trading profit / loss (the cumulative trading profit / loss of the target aggregation year, and the book value total transaction storage means 58 (see FIG. 16)) and the total trading profit / loss (information indicating that this calculation is for calculating the fixed amount). Cumulative total of units), cumulative fees (cumulative of investment units for commissions in the target aggregation year), accumulated realized profit / loss (cumulative realized profit / loss in the target aggregation year, "cumulative trading profit / loss-cumulative fees"), Include the amount equivalent to withholding (here, the fixed amount equivalent to withholding) and the record registration date.

Here, the fixed amount equivalent to the withholding tax is determined by the specific account transaction category (specific account transaction category) among the sales transactions of the target investment unit stored in the book value total transaction storage means 58 (see FIG. 16). The source is the amount obtained by subtracting the cumulative amount of the current year's payment fee of the target investment unit stored in the calculation fee storage means 57 (see Fig. 15) from the cumulative amount of trading profit and loss for the transaction for which = 1). Calculated by multiplying by the tax rate (eg 20.315%). Fees are deducted from profits as they correspond to necessary expenses. In the present embodiment, the fee includes an investment advisory fee amount and a transaction management fee amount, and the amount corresponding to the deductible property fee according to the tax system of each year may be subtracted.

Therefore, the withholding tax equivalent fixed amount calculation process differs from the estimated amount calculation process in that the fee is reduced and that the multiplication factor (110% in this embodiment) is not multiplied. .. For this reason, there is an unthinkable price increase of stocks between the estimated amount calculation date and the fixed amount calculation date (cooperation setting date), which causes a large transfer gain in the withholding event sales order. In principle, the fixed amount of withholding tax will be smaller than the estimated amount unless such a situation occurs.

In the explanation of the above-mentioned expected amount calculation process and fixed amount calculation process of the withholding amount, "Buying and selling of the target investment unit stored in the book value total transaction storage means 58 (see Fig. 16) for the current year's contract" In the description of "cumulative amount of profit and loss" and "cumulative amount of commissions paid in the current year of the target investment unit stored in the calculation fee storage means 57 (see FIG. 15)", the following cases (1) to ( 3) is included.

If a reduction event occurs once or multiple times during the current year at the target investment unit, the specific account inclusion information linkage means 33 will be used each time the sell order of the reduction event is executed (latest execution date). Specific account inclusion information (including profit / loss information of trading transactions) is linked to the trading system 70, and in the present embodiment, the customer's main account in the trading system 70 is linked to the trading system 70 on the next business day (latest contract date + 1 business day). Withholding tax will be made from. Therefore, withholding tax from the main account may be withheld from the main account every business day after January, not only during December, so the calculation process for withholding tax will be performed during the current year for each investment unit. May be done multiple times. Therefore, among the following cases (1) to (3), the contents (contents permitted by the tax system) according to the tax system of each year may be processed. If the investment unit is deleted, all the quantities of all the stocks of the target investment unit will be sold, and no trading transaction will be conducted after that. Therefore, the profit and loss information will not be linked to the trading system 70 after that. ..

In case (1), the estimated amount calculation date for executing the estimated amount calculation process (in this embodiment, the fifth business day of December is used as an example), or the cooperation setting date for executing the fixed amount calculation process (this). In the embodiment, for example, it is the 13th business day of December), when there is a sell order for one or more reduction events for which the latest contract date has arrived during the current year. However, regardless of the presence or absence of those reduction events, the trading profits and losses for the current year's contracted trading transactions of the target investment units from January are accumulated, and the fees for the current year's payment of the target investment units from January are accumulated. Then, the estimated amount and the fixed amount equivalent to the withholding amount are calculated.

Therefore, in case (1), for example, there is a reduction event in May, and withholding of 100,000 yen is performed from the main account by coordinating the latest contract date of the sell order of the reduction event in May, and the estimated amount. Assuming that the estimated amount of withholding tax calculated on the calculation date (in this embodiment, as an example, the fifth business day of December) is 300,000 yen, the withholding tax of 100,000 yen has already been made. Therefore, at the withholding event, you can place a sell order to secure the remaining 200,000 yen, but order data for the sell order to secure 300,000 yen will be created. become. In addition, a loss will occur in the transfer transaction conducted after the reduction event in May, and the total trading profit and loss for the current year including the amount up to May will be zero or negative, and the estimated amount calculation date (this embodiment). Then, if the estimated withholding amount calculated on the 5th business day of December becomes zero, the order data of the sell order of the withholding event will not be created.

In case (2), the withholding amount equivalent amount (calculation by the fixed amount calculation method) is calculated even on the latest contract date of the sell order of the reduction event, and the calculation result is stored in the withholding calculation result storage means 52. Store in (see FIG. 10). In this calculation, even if one or more other reduction events have already occurred during the current year, regardless of the existence of those other reduction events, both the trading profit and loss and the commission will be calculated. Calculate the cumulative total of the current year (total from January) up to that point. Then, on the estimated amount calculation date (in this embodiment, the fifth business day of December is used as an example), the entire year is totaled (from January) without considering the presence or absence of cooperation in the reduction events up to that point. After calculating the estimated amount of withholding tax (total), the withholding tax equivalent amount (reduction) stored in the withholding tax calculation result storage means 52 (see FIG. 10) from the calculated withholding tax equivalent amount. By reducing the withholding amount (equivalent to the withholding amount calculated at the time of the event), the selling amount of the withholding event is determined. If the amount equivalent to withholding tax stored in the withholding tax calculation result storage means 52 (see FIG. 10) is reduced to a negative amount, the order data for the sell order of the withholding tax event will not be created. (The sale price is zero). If the withholding tax calculation result storage means 52 (see FIG. 10) stores the withholding tax equivalent amount calculated when a plurality of subtraction events occur, the last calculated withholding tax equivalent amount is stored. Use to make the subtraction, or use the largest amount of withholding tax to make the subtraction. Whether or not it is the last can be determined by the record registration date of the withholding calculation result storage means 52 (see FIG. 10).

Therefore, in case (2), for example, there is a reduction event in May, and the amount equivalent to withholding tax is calculated to be 100,000 yen on the latest contract date of the sell order of the reduction event in May, and that 100,000 yen is the source. It is assumed that it was stored in the collection calculation result storage means 52 (see FIG. 10), and further, it is equivalent to the withholding tax calculated on the estimated amount calculation date (in this embodiment, as an example, the fifth business day of December). Assuming that the estimated amount is 300,000 yen, 200,000 yen, which is obtained by subtracting 100,000 yen from 300,000 yen, will be the sale amount due to the withholding event sale order. Since 100,000 yen has already been withheld in May, it is sufficient to secure 200,000 yen. In addition, a loss will occur in the transfer transaction conducted after the reduction event in May, and the estimated withholding amount calculated on the estimated amount calculation date (in this embodiment, the 5th business day of December) will be calculated. If it is 50,000 yen, it will be minus 50,000 yen by subtracting 100,000 yen from 50,000 yen, so the order data of the sell order of the withholding event will not be created. Since 100,000 yen has already been withheld in May, it is not necessary to secure more funds for tax collection. Similarly, even if the withholding tax equivalent amount calculated on the withholding tax calculation date (in this embodiment, the fifth business day of December) becomes zero, the order data for the withholding tax sale order is created. Not done.

In case (2), for example, there are reduction events in May and September, and the amount equivalent to withholding tax on the latest contract date of the sell order of the reduction event in May (the highest amount from the first business day of January to May). The amount equivalent to withholding tax on the gain on transfer until the late contract date is calculated to be 100,000 yen, and the amount equivalent to withholding tax on the latest contract date of the sell order for the reduction event in September (the maximum amount from the first business day of January to September). It is assumed that the withholding amount equivalent to the gain on transfer until the late contract date) was calculated as 50,000 yen, and those 100,000 yen and 50,000 yen were stored in the withholding calculation result storage means 52 (see FIG. 10). Further, assuming that the estimated amount equivalent to withholding tax calculated on the estimated amount calculation date (in this embodiment, the fifth business day of December as an example) is 300,000 yen, the amount is 300,000 to 5 250,000 yen, which is obtained by subtracting 10,000 yen (the last calculated amount of 100,000 yen and 50,000 yen), will be the sale amount due to the withholding event sale order, or 300,000 to 100,000 yen. 200,000 yen, which is obtained by subtracting (the maximum amount of 100,000 yen and 50,000 yen), is the selling amount of the withholding event. When using the last calculated amount of 50,000 yen as in the former case, for example, in the trading system 70, the withholding amount is calculated each time the profit and loss information is received in cooperation with the fund wrap system 10. When the calculated withholding amount decreases, it can be applied to the case where the funds once secured for withholding are corrected and reduced, and the maximum amount of 100,000 yen like the latter is applied. When used, for example, in the trading system 70, the funds once secured for withholding tax can be applied to the case where the processing is not reduced even if there is a transfer loss thereafter.

In case (3), the current year is the period from the first business day of January to the latest execution date of the sell order of the reduction event, which is the cooperation timing by the specific account inclusion information cooperation means 33, and the day after the latest execution date. From the business day to the estimated amount calculation date (in this embodiment, the 5th business day of December is used as an example) or the cooperation setting date (in this embodiment, the 13th business day of December is used as an example). In the expected amount calculation process and the fixed amount calculation process, the estimated amount calculation date (in this embodiment, the fifth business day of December) or the expected amount calculation date from the business day following the latest execution date of the sell order of the reduction event. The amount equivalent to withholding tax is calculated for the period up to the cooperation setting date (in this embodiment, the 13th business day of December). In addition, if multiple (for example, 3) reduction events A, B, and C occur before the estimated amount calculation date and cooperation setting date in the current year, the last reduction event C sell order. The amount equivalent to withholding tax is calculated during the period from the business day following the latest contract date to the estimated amount calculation date or the cooperation setting date.

At this time, when calculating the cumulative amount of trading profit / loss for the current year's contracted trading transaction of the target investment unit stored in the book value total transaction storage means 58 (see FIG. 16), the book value total transaction storage means 58 (see FIG. 16) (Refer to FIG. 16), the trading profit / loss is totaled for the transactions in which the linked category is not linked (= 0) and the specific account transaction category is the specified account transaction (= 1). .. For transactions in the current year that have already been linked to the trading system 70 by the specific account inclusion information linking means 33, the linked category is already linked (= 1), so when there are multiple reduction events. This is because the linked category is not linked (= 0) for transactions executed on or after the business day following the latest contract date of the sell order of the last reduction event. Further, when calculating the cumulative amount of the fees paid in the current year of the target investment unit stored in the calculation fee storage means 57 (see FIG. 15), the fee stored in the calculation fee storage means 57 (see FIG. 15) is calculated. The calculation date is the sum of the commissions belonging to the period from the business day following the latest contract date of the sell order of the reduction event to the cooperation setting date (in this embodiment, the 13th business day of December).

Therefore, in case (3), for example, if the reduction event occurs in May and September, the business day following the latest execution date of the sell order of the reduction event in September, which is the last reduction event. From the estimated amount calculation date (5th business day of December in this embodiment) or the cooperation setting date (13th business day of December in this embodiment) to the estimated amount or fixed amount equivalent to withholding tax. To calculate. The sale price of the sell order for the withholding event shall be the estimated amount equivalent to the withholding tax during this period. By linking profit and loss information to the trading system 70 at the reduction event in May and September, it is assumed that the withholding tax from the main account for the gain on transfer by September has been completed in the trading system 70. In the trading system 70, withholding tax will be collected for the gain on transfer in May, and if a transfer loss occurs by the time of cooperation in September, the amount of funds reserved for withholding tax will be reduced. It does not matter whether or not it is modified, and it does not affect the estimated amount calculation process or the fixed amount calculation process in the fund wrap system 10 of this case (3). Even in the trading system 70, it is sufficient to process the contents (contents permitted by the tax system) according to the tax system of each year.

<Structure of fund wrap system 10 / processing means 20 / rebalancing means 24>

The rebalancing means 24 creates a record of the rebalancing event of each operation unit in the rebalancing storage means 53 (see FIG. 11) at a predetermined time (at least on the last business day of each month or a day before that). It executes the rebalancing event preparation process. In this record, the automatically assigned rebalancing number (identification information of the rebalancing event), the investment unit fund code (operation unit identification information) for the target investment unit, the date of determination of rebalancing, etc. are stored. In the present embodiment, the last business day is set as the rebalancing implementation determination date.

Further, the rebalancing means 24 determines whether or not the rebalancing execution determination date stored in the rebalancing storage means 53 (see FIG. 11) has been reached, and determines that the rebalancing execution determination date has been reached. In that case, the rebalancing determination process of whether or not to execute the rebalancing in the current month is executed in the nighttime batch processing of the day, and the rebalancing execution determination result (whether necessary or unnecessary) is stored in the rebalancing storage means 53 ( The process of storing in the record already created in (see FIG. 11) is executed.

At this time, in the rebalancing determination process by the rebalancing means 24, the portfolio under management by each issue of the investment trust constituting the investment unit (composition ratio of each issue) and the target according to the investment style based on the contract with the customer. Of the deviation rates from the allocation ratio of each issue in the (desired) portfolio, the deviation rate of the issue with the largest deviation rate is the rebalancing judgment standard deviation rate stored in the contract storage means 42 (see FIG. 3). It is determined whether or not it is within the range, and if it is not within the range, it is determined that rebalancing is necessary, and if it is within the range, it is determined that rebalancing is unnecessary.

Here, the former operating portfolio (composition ratio of each issue) includes the balance quantity (number of units held) of each issue stored in the balance storage means 44 (see FIG. 4) and the unit price information storage means 46 (FIG. 4). Calculated using the valuation amount of each issue obtained by multiplying the latest base price of each issue stored in (see 6), or the valuation amount of each issue is the balance storage means 44 (Fig. 4). If it is stored in (see), it is calculated using those valuation amounts.

In addition, the allocation ratio of each issue in the target (desired) portfolio in line with the investment style based on the latter contract with the customer is stored in the investment style / asset class composition storage means 48 (see FIG. 7). Set composition ratio (asset class allocation ratio associated with investment style code) and set composition ratio in asset class (asset class of each issue) stored in investment unit issue composition storage means 62 (see FIG. 18) Calculated by multiplying by (allocation ratio within).

<Structure of fund wrap system 10 / processing means 20 / event reflecting means 25>

When an event requiring the creation of a buy / sell order occurs, the event reflecting means 25 creates a record for order management of the event in the order management storage means 55 (see FIG. 13), and the created record is used for the event. Event number (identification information of the event for which order data is to be created), investment unit fund code (operation unit identification information) for the target investment unit, and stored in the date storage means 63 (see FIG. 18) calculated at the time of occurrence of the event. Order date, latest execution date, and latest delivery date, and trading status (order data creation status: Initially, it is necessary to create order data for either sale or purchase). The order management process for storing the order management information for each operation unit including the above is executed.

At this time, the above-mentioned "when an event requiring the creation of a buy / sell order occurs" is a case where it is decided to place an order (create order data) at the event, and this is the event reflection means. It is a condition for executing the above order management process according to 25. Therefore, in the case of a withholding event, the withholding event generation process for creating a record of the withholding event in the withholding event storage means 51 (see FIG. 9) by the withholding preparation means 23 is performed. It does not mean that an event requiring the creation of a buy / sell order has occurred, and the withholding tax processing is executed, which is stored in the withholding tax preparation date 23 (withholding tax event storage means 51 (see FIG. 9)). On the condition that the estimated amount equivalent to withholding tax is calculated on the date) and the calculated estimated amount becomes positive (not zero), an event that requires the creation of a buy / sell order here has occurred. Become. In the case of a regular receipt event, whether the event preparation means 22 only creates a record of the regular receipt event in the event storage means 50 (see FIG. 8), or whether the event preparation means 22 implements the regular receipt in the current month. If the determination process of whether or not is executed and the result of the periodic receipt determination result is that the sale order data is not created, it does not mean that the event requiring the creation of the buy / sell order here has occurred, and the event is periodic. On condition that the receipt judgment result results in the creation of the sale order data, the event requiring the creation of the buy / sell order referred to here has occurred. Further, in the case of a rebalancing event, the rebalancing means 24 just creates a record of the rebalancing event in the rebalancing storage means 53 (see FIG. 11), or the rebalancing means 24 executes the rebalancing determination process. However, if the rebalancing execution judgment result does not require rebalancing, it does not mean that the event requiring the creation of the buy / sell order mentioned here has occurred, and the rebalancing execution judgment result becomes the rebalancing required. On condition that, an event that requires the creation of a buy / sell order referred to here has occurred.

In the case of a reduction or operation slot deletion event, the customer's online input application is accepted, and the setting reception means 21 creates a record of the reduction or operation slot deletion event in the event storage means 50 (see FIG. 8). For example, an event that requires the creation of a buy / sell order here has occurred. Then, when the event reflecting means 25 executes the above order management process for the event of reduction or deletion of the operation port, the event status stored in the event storage means 50 (see FIG. 8) for the event is "established". The process of updating to "" is also executed.

The order date, the latest contract date, and the latest delivery date to be stored in the order management storage means 55 (see FIG. 13) in the order management process by the event reflection means 25 are stored in the calculation date storage means 63 (see FIG. 18). These are the dates calculated on the previous business day by the date calculation means 27.

Of these, the order date is a date stored in the issue unit calculation date storage means 63A (see FIG. 18), and this date is information stored in the order availability date storage means 60 (see FIG. 18). (Information on whether or not it is a domestic business day, and whether or not it is a day when an order can be placed, taking into account overseas holidays as other factors) is used to place an order for all stocks that make up the investment unit. It is a date determined as a possible date. The order date is set as the date on which all stocks associated with the investment style (all stocks that make up the investment unit) can be ordered according to the portfolio based on the investment style set in the contract, that is, to maintain the portfolio. This is because there is a customer's request to set the order dates for each stock in order to confirm that the order has been placed. Regarding the event of changing the investment target stock, if only the stocks in the asset class are bought and sold, the order date may be the date when all the stocks in the asset class can be ordered. In that case, The date on which all stocks in each asset class can be ordered will be stored in the order management storage means 55 (see FIG. 13) as the order date. This point is the latest contract date and the latest delivery date below. Is similar to.

Further, the latest contract date and the latest delivery date are the latest contract date and the latest delivery date (constituting the operation unit) of the entire operation unit stored in the operation unit unit calculation date storage means 63C (see FIG. 18). It is a date indicating the latest contract date or delivery date of each issue, and these dates are information (each) stored in the contract / delivery days storage means 61 (see FIG. 18). It is a date determined using the number of days from the order date to the contract date or delivery date of the issue. The investment target stock change event is a service for changing stocks in the asset class, but when only buying and selling stocks in the asset class to be changed, the asset class unit calculation date storage means 63B ( The latest contract date and the latest delivery date in the asset class (see Fig. 18) (the latest contract date and delivery date of each issue in the asset class that constitutes the investment unit) May be the latest contract date and the latest delivery date to be stored in the order management storage means 55 (see FIG. 13), and the target portfolio of the constituent stocks of the entire investment unit including the stocks in the asset class to be changed. In the case of buying and selling, the latest contract date and the latest delivery date of the entire investment unit stored in the investment unit unit calculation date storage means 63C (see FIG. 18) are set to the order management storage means 55 (see FIG. 18). The latest contract date and the latest delivery date to be stored in (see FIG. 13) may be set.

Further, in the event of the increase, the event reflecting means 25 executes an update process for increasing the set amount in the record of the operation unit to be increased by the operation unit storage means 43 (see FIG. 3) by the amount of the increase amount. Further, in the reduction event, an update process is executed in which the set amount in the record of the operation unit to be reduced by the operation unit storage means 43 (see FIG. 3) is reduced by the amount of the reduction amount.

Further, in the event of deleting the operation port, the event reflecting means 25 executes a process of changing the operation port status in the record of the operation port to be deleted of the operation port storage means 43 (see FIG. 3) to "operation end".

Further, the event reflecting means 25 is a management style code (management style identification information) and an asset class code (management style identification information) before and after the change stored in the event storage means 50 (see FIG. 8) in the event of style change or investment target stock change. Using the asset class identification information), the investment unit stock composition storage means 62 (see FIG. 18) is subjected to the stock change processing that reflects the change in the stock composition due to the style change or the investment target stock change, and the investment unit stock storage means 43. The process of changing the operation style code (operation style identification information) stored in (see FIG. 3) to the changed state is executed.

Further, in the event of the periodic receipt application, the event reflecting means 25 uses the information of the record of the periodic receipt application stored in the event storage means 50 (see FIG. 8) to store the operation port storage means 43 (see FIG. 3). Execute the setting registration process to store the registration information of regular receipt (regular receipt timing, fixed receipt designated amount, etc.) in the record of the target operation unit already created in. Further, the event reflecting means 25 uses the information of the record of the regular receipt content change stored in the event storage means 50 (see FIG. 8) in the event of the periodic receipt content change, and the operation port storage means 43 (FIG. 3). Executes the process of changing the periodic receipt timing and the periodic receipt specified amount in the periodic receipt registration information in the record of the target operation unit stored in (see).

Similarly, in the event of the donation application, the event reflecting means 25 uses the information of the donation application record stored in the event storage means 50 (see FIG. 8) to the operation port storage means 43 (see FIG. 3). Execute the setting registration process to store the donation registration information (donation destination, donation amount, etc.) in the record of the target operation unit that has already been created. Further, in the event of the donation content change, the event reflecting means 25 uses the information of the donation content change record stored in the event storage means 50 (see FIG. 8) to store the operation port storage means 43 (see FIG. 3). Executes the process of changing the donation destination and donation amount among the donation registration information in the record of the target operation unit stored in.

Further, in the event of the periodical reserve application, the event reflecting means 25 uses the information of the record of the periodical reserve application stored in the event storage means 50 (see FIG. 8) to store the operation port storage means 43 (see FIG. 3). Set registration process to store the registration information of the regular reserve (regular reserve timing, regular reserve setting date, monthly regular reserve amount, bonus month regular reserve additional amount, etc.) in the record of the target operation unit already created in Run. Further, the event reflecting means 25 uses the information of the record of the periodic reserve content change stored in the event storage means 50 (see FIG. 8) in the event of the periodic reserve content change, and the operation port storage means 43 (FIG. 3). (Refer to) Executes the change processing for the regular reserve timing, regular reserve setting date, monthly regular reserve amount, bonus month regular reserve additional amount, etc. in the record of the target operation unit stored in the record. To do.

<Structure of fund wrap system 10 / processing means 20 / order making means 26>

In the order creation means 26, the trading status (state of order data creation) stored in the records of various events created in the order management storage means 55 (see FIG. 13) is "need to create order data for sale. For records that are in "state" or "state in which purchase order data needs to be created", the relationship between this order date and the date at the time of judgment is determined in advance using the order date stored in that record. Whether to create order data on the day of the judgment depending on whether or not the specified order creation condition (in this embodiment, the order creation condition that the business day following the day of the judgment corresponds to the order date) is satisfied. , Or the order data creation timing determination process for determining whether to wait for creation is executed every business day after the event occurs. Here, every business day after the event occurs is the order management storage means after the day when the order management process by the event reflection means 25 is executed and the order date is stored in the order management storage means 55 (see FIG. 13). Until the trading status of 55 (see FIG. 13) becomes "order data created state".

Further, when the order creation means 26 determines that the order data is to be created, the order data (order number, the brand code (brand identification information) of the investment trust to be bought and sold, and the order quantity) of each event are determined on the day when the determination is made. (Number of units when ordering by specifying the number of units), order amount (amount when ordering by specifying the amount of money), trading category (separate between selling and buying), account number of the customer's main account (customer identification information) included) It is created and stored in the order data storage means 56 (see FIG. 14) together with the status (unordered, ordered, executed, ...). This order data is order data for data linkage, and in the present embodiment, it is transmitted to the trading system 70 on the next business day. Further, the order creating means 26 uses the order date, the contract date, and the delivery date stored in the calculated date storage means 63 (see FIG. 18) at the time of the determination, and uses these dates and the contents of the above order data. Create an order details including, and store the created order details in the order details storage means (not shown) in association with the account number (customer identification information) of the customer's main account and the investment unit fund code (operation unit identification information). Let me.

Then, the order creating means 26 changes the trading status of the order management storage means 55 (see FIG. 13) to the state in which the order data has been created after the order data and the order details are created.

When creating order data by the order creation means 26, in principle, the state of the portfolio (composition ratio of each issue) after the execution of the order is the target portfolio (the target portfolio according to the investment style based on the contract with the customer). The trading amount or trading quantity (number of units) of each stock is determined so as to be the distribution ratio of each stock. However, at the quarterly fee collection event, the sale amount for the fee collection is small, so it is only necessary to sell the stock that deviates the most from the target portfolio according to the investment style. The creation of order data for each event is as follows.

In the event of a new contract, the order creation means 26 has the set amount of each operation unit (however, the amount minus the amount collected at the time of contract), and in the event of adding the operation unit, the set amount of the additional operation unit ( However, the amount obtained by subtracting the amount collected at the time of contract) will be the purchase amount for the entire investment unit, so the purchase amount will be the target (desired) portfolio in line with the investment style of each investment unit. The purchase price of each issue is calculated and determined by allocating to the allocation ratio of each issue, and the order data of the buy order of each issue is created.

Here, the allocation ratio of each issue of the target (desired) portfolio is linked to the set composition ratio (investment style code) in the investment style stored in the investment style / asset class composition storage means 48 (see FIG. 7). Calculated by multiplying the asset class allocation ratio) and the set composition ratio within the asset class (allocation ratio within the asset class of each issue) stored in the investment unit issue composition storage means 62 (see FIG. 18). ..

In the event of increase, the order creation means 26 has an operating portfolio that is already composed of the holdings, so the event storage means is added to the total amount of the evaluation amount of each holding at that time (at the time of order data creation). The target (desired) is the amount obtained by adding the amount of increase stored in 50 (see Fig. 8) (however, even when the amount is increased, if the fee at the time of contract is collected, the amount collected is deducted). Allocate so that it becomes a portfolio, and calculate and determine the purchase amount of each issue by subtracting the evaluation amount of each issue held at that time (at the time of order data creation) from the amount of allocation to each issue obtained. Create order data for buy orders for stocks.

At this time, the valuation amount of each issue at the time of creating the order data of the portfolio under operation is the balance quantity (number of units held) of each issue stored in the balance storage means 44 (see FIG. 4) and the unit price information storage means. It is calculated by multiplying the latest base price of each issue stored in 46 (see FIG. 6), or the valuation amount of each issue is calculated when the base price is updated and the balance storage means 44 (see FIG. 6). If it is stored in (see FIG. 4), those valuation amounts are used.

Since the regular reserve event can be thought of as a repetition of the increase event, replace the increased amount with the monthly (designated month) regular reserve amount, or in the case of a bonus month, the monthly (designated month) regular You can think of it by replacing it with the amount of the reserve amount plus the regular reserve addition amount of the bonus month.

In the event of reduction, since the order creation means 26 already has a portfolio composed of the holding stocks, the event storage means 50 (Fig. The amount after deducting the reduction amount stored in 8) is allocated so as to become the target portfolio, and the amount allocated to each obtained issue is the amount of each issue held at that time (at the time of order data creation). The selling price of each brand is calculated and determined by subtracting it from the evaluation price, and the order data of the selling order of each brand is created.

At the event of deleting the investment unit, the order creation means 26 creates order data of the sell order of each issue so as to sell all the holding issues of all the investment units to be deleted.

At the event of style change or investment target stock change, the order creation means 26 first creates the order data of the sell order and then buys in order to replace the stock before the change with the stock after the change. Create order data for your order. For example, when the constituent stocks are changed from stocks A, B, C to stocks A, B, D, the stock C is sold and the stock D is purchased, but the stocks A and B are also purchased. If the set composition ratio is different before and after the change, the difference is bought and sold in order to obtain the changed set composition ratio (the target portfolio after the change). At this time, in the event of style change or investment target issue change, the event reflection means 25 executes the issue change process to the investment unit issue composition storage means 62 (see FIG. 18), and the investment unit issue composition storage means 62 Since the changed brand composition (brands A, B, D) is stored, the order creation means 26 can use the order creation means 26 to sell all the units of the brand C whose set composition ratio after the change is 0%. Order data will be created. In addition, since the number of units held for issue D is zero, the entire amount corresponding to the changed composition ratio will be purchased. On the other hand, as for issues A and B, since there are already units in stock, the purchase of the entire amount corresponding to the changed set composition ratio is not carried out, but exceeds the changed set composition ratio. The amount will be sold, and the amount that is less than the changed composition ratio will be purchased.

In addition, since the event of changing the investment target stock is a service to replace the stocks in the asset class, the stocks in the asset class to be changed are bought and sold, but the constituent stocks of the entire investment unit including other stocks are included. You may buy or sell to make the target portfolio. For example, if the investment style of the target investment unit is composed of asset classes α, β, γ, and δ, the investment that changes the asset class α from stocks A, B, C to stocks A, B, and D In the case of a target stock change event, stocks E, F, G, ... Of other asset classes β, γ, δ may be bought and sold at the same time. In this case, other asset classes β, γ may be bought and sold. The stock composition of, δ does not change, only the increase / decrease adjustment of the holding quantity (number of units) of each stock E, F, G, ...

At the withholding event, the order creation means 26 temporarily calculates the estimated amount equivalent to the withholding amount stored in the withholding calculation result storage means 52 (see FIG. 10) (expected amount / fixed amount classification calculates the estimated amount). The amount equivalent to withholding tax when the information indicates that it is a calculation is used to determine the selling amount of each issue, and the order data of the selling order of each issue is created. At this time, as in the case of the reduction event, the order data of the sell order of each brand may be created, and when the estimated amount equivalent to the withholding tax is small, it is operated as in the case of the quarterly fee collection event. You may create order data for sell orders for only the stocks that deviate most from the style-based target portfolio. If you want to make the same as the reduction event like the former, since there is already a portfolio composed of holdings, withholding tax will be withheld from the total valuation amount of each holding at that time (at the time of order data creation). Allocate the amount after deducting the equivalent amount to the target portfolio, and deduct the amount to be distributed to each stock obtained from the valuation amount of each stock at that time (at the time of order data creation). Calculates and determines the selling price of each brand, and creates order data for the selling order of each brand.

At the rebalancing event (when it is determined that rebalancing is required), the order creation means 26 sets the portfolio under management (composition ratio of each stock) to the target portfolio (composition ratio of each stock) according to the management style based on the contract with the customer. Create order data for buy / sell orders to be modified (allocation ratio of each issue). In other words, for stocks whose composition ratio (holding ratio) is larger than the allocation ratio of the target portfolio, the excess amount is sold, and the funds obtained from the sale are used to obtain the target portfolio. For stocks whose composition ratio is smaller than the allocation ratio, purchases will be made for the shortfall.

In a regular receipt or donation event, the order creation means 26 creates order data for a sell order, but the reduction amount in the reduction event may be replaced with a regular receipt designated amount or a donation amount.

At the quarterly fee collection event, the order creation method 26 is exceptionally the order data of the sell order of only the stocks that deviate the most from the target portfolio according to the investment style because the sale amount applied to the fee collection is small. To create. In addition, even in the quarterly fee collection, a plurality of stocks may be sold.

<Structure of fund wrap system 10 / processing means 20 / date calculation means 27>

The date calculation means 27 calculates various dates (dates for the next business day) used in the system processing of the next business day, and executes a process of storing them in the calculation date storage means 63 (see FIG. 18) every business day. Is what you do. In the present embodiment, the processing by the date calculation means 27 is executed by the nighttime batch processing of every business day, so that the date for the next business day is the nighttime batch processing (when viewed from the day when the date is used, the previous business day). It will be the nighttime batch processing of.). It should be noted that the various dates used in the system processing are not prepared in advance by the nighttime batch processing on the previous business day as in the present embodiment, but each time the system processing requires a date, the system processing is performed. It may be calculated on the day.

For example, in the application for a sale-type event (reduction-type event) involving a sale such as reduction or deletion of an operation port, the customer or its input agent receives the customer or its input agent during daytime online input from the terminal device 100 by the customer or its input agent. On the other hand, there is a date to be notified on the screen (payment date (latest delivery date)), but the calculation of that date is a night batch on the business day before the day when online input (notification by screen display) is performed during the day. Execute in processing. In addition, when creating order data for a sell order at a sale event, an order statement including the order data is also created, but the date stated in this order statement (order date, execution date for the order of the sold issue) And delivery date, or the latest execution date and latest delivery date including orders for other stocks to be sold in parallel) are executed in the night batch processing on the business day before the order data creation date. To do.

At this time, since there are a plurality of stocks that constitute the investment unit, the calculation result of the date will be different if the stock composition is different. Therefore, as a general rule, the date calculation by the date calculation means 27 is performed for each constituent stock of each investment unit stored in the investment unit stock composition storage means 62 (see FIG. 18), but the style is changed or the investment target. When there is a brand change event, the stock composition of the investment unit changes, so the date is calculated in relation to the event reflection timing (brand change timing) in the investment unit brand composition storage means 62 (see FIG. 18). The issue (which issue in which issue composition state the issue is to be calculated as the date) may be determined with reference to the issue held in the balance storage means 44 (see FIG. 4).

Specifically, the date calculation means 27 is used when there is an application for an event of changing the style or changing the investment target stock of each constituent stock of the investment unit stored in the investment unit stock composition storage means 62 (see FIG. 18). Exceptionally, all of the investment units for which the balance quantity of the investment unit stored in the balance storage means 44 (see FIG. 4) is not zero may be used as the issue for which the date is calculated. The date stored in the orderable / non-orderable date storage means 60 (see FIG. 18) as the orderable date (in the orderable / non-orderable date storage means 60, all the stocks of the operation unit are "1 (orderable)". The date) is determined as the order date common to each brand of the investment unit, and the contract date and delivery date corresponding to the determined order date are stored in the contract / delivery days storage means 61 (see FIG. 18). In addition to calculating from the number of days, the latest contract date and the latest delivery date in the asset class are calculated from the contract date and delivery date for all the stocks to be calculated in the asset class that make up the investment style of the investment unit. , The process of obtaining the latest contract date and the latest delivery date of the entire investment unit from the contract date and delivery date of all the stocks to be calculated of the investment unit is executed every business day.

For example, the date used for 6/1 (Thursday) (the date used for notification on the online input screen of 6/1 (Thursday) and the creation of order details on 6/1 (Thursday)) is 5/31 ( It is calculated by nighttime batch processing of (Wednesday), but in this nighttime batch processing, the order date (order date common to each brand) is calculated by referring to the order availability date of each brand of the target operation unit after 6/2 (Friday). Is determined, the contract date and delivery date of each stock corresponding to the determined order date are obtained, and the latest contract date and the latest delivery date are obtained.

Then, the date calculation means 27 associates the obtained order date, execution date, and delivery date with the issue code (issue identification information) and the investment unit fund code (operation unit identification information) to calculate the issue of the date storage means 63. The unit calculation date storage means 63A (see FIG. 18) stores the latest contract date and the latest delivery date in the obtained asset class, and the investment unit fund code (management unit identification information) and asset class code (asset). The asset class unit calculation date storage means 63B (see FIG. 18) of the calculation date storage means 63 is stored in association with the class identification information), and the latest contract date and the latest delivery date of all the obtained investment units are stored. The process of storing in the investment unit unit calculation date storage means 63C (see FIG. 18) of the calculation date storage means 63 in association with the investment unit fund code (management unit identification information) is executed every business day.

<Structure of fund wrap system 10 / processing means 20 / fee calculation means 28>

The fee calculation means 28 calculates a fee (investment advisory fee, transaction management fee) collected from the customer according to the amount of assets to be managed, and calculates the calculation result together with the remuneration item number and the fee calculation date. The process of associating with the fund code (investment unit identification information) and storing it in the calculation fee storage means 57 (see FIG. 15) is executed. Fees to be collected include a contract fee and a quarterly fee (more generally, a period fee collected as the operation period elapses). The contract fee is a fee collected when a new contract, additional investment unit is added, or an increased event occurs, and the fee for the period from the operation start date of the event to the end of the next quarter (the time of the period break) Is. The quarterly fee is a fee collected quarterly (every time the end of the quarter arrives) and is a fee for the next quarter (three months).

The fee calculation means 28 sets the base price stored in the unit price information storage means 46 (see FIG. 6) in the balance quantity of each stock held by each investment unit stored in the balance storage means 44 (see FIG. 4). The valuation amount at the time of calculating the fee obtained by multiplying (or the valuation amount of each stock held by each investment unit calculated with the update of the base price and stored in the balance storage means 44 (see FIG. 4)) The commission is calculated using the commission rate stored in the commission rate storage means (not shown).

At this time, the fee calculation means 28 calculates and calculates the quarterly fee by nighttime batch processing of the quarterly fee calculation processing date stored in the quarterly fee collection storage means 54 (see FIG. 12). A process of storing the quarterly fee amount (investment advisory fee amount and transaction management fee amount) in the calculation fee storage means 57 (see FIG. 15) is executed.

<Structure of fund wrap system 10 / processing means 20 / order data linkage means 29>

The order data linkage means 29 executes a process of transmitting the order data stored in the order data storage means 56 (see FIG. 14) to the trading system 70 via the communication line 2 for ordering. ..

In the present embodiment, the order data creation timing determination process is performed by the order creation means 26, and when the order creation condition that the business day following the determination time date corresponds to the order date is satisfied, the order data creation means 26 performs the order data. Is created, the process of transmitting order data to the trading system 70 by the order data linkage means 29 is executed on the business day following the order data creation date (that is, the order date). Then, in the trading system 70, the trading processing means 71 performs trading processing of the order using the order data received from the fund wrap system 10, but for the issue executed on the day, the receiving date of the order data (that is, the order date). ), The next day, the next day, and so on, the order is executed on the next business day, the next business day, and so on, the day after the order data is received.

<Structure of fund wrap system 10 / processing means 20 / contract processing means 30>

The contract processing means 30 is a contract data (order number, brand code (brand identification information)) transmitted from the trading system 70 via the communication line 2 and stored in the contract data storage means (not shown) of the fund wrap system 10. ), Contract amount (number of units), contract amount, sales classification (separate between sell and buy), base price at the time of contract, account number of the customer's main account (including customer identification information), etc.), and store order data The process of updating the status of the order data (order data having the same order number as the contract data) stored in the means 56 (see FIG. 14) to "contracted" is executed.

Further, the contract processing means 30 executes a process of creating a record of the contracted sales transaction and storing it in the book value total transaction storage means 58 (see FIG. 16) using the acquired contract data. Specifically, the book value total transaction storage means 58 includes, for example, a transaction number (= order number), an account fund code, an investment unit fund code (management unit identification information), a contract fund code, and a customer's main account. Account number (customer identification information), brand code (brand identification information), trading category, contract date, delivery date, specific account transaction category (0: non-specific account transaction (contract within general account period), 1: specific account transaction (Contracts within a specific account period), ...), Trading quantity (number of contracted units), trading unit price (base price at the time of contracting), contracted amount, delivery amount, balance quantity before and after trading (number of units), book value before and after trading Unit price (individual principal), book value before and after the transaction (individual principal basis), acquisition amount (acquisition amount calculated on the individual principal basis), trading profit / loss (trading profit / loss calculated on the individual principal basis), before and after the transaction Book value unit price (average acquisition unit price), book value before and after transaction (average acquisition unit price basis), acquisition amount (acquisition amount calculated based on average acquisition unit price), trading profit / loss (trading profit / loss calculated based on average acquisition unit price) , Specific account inclusion target category (category indicating whether or not the transaction is included in a specific account, 0: Transaction not included in specific account, 1: Transaction subject to inclusion in specific account), Linked category (1: Linked, 0: Not linked) is stored. Of these, the linked categories are initially set to unlinked (= 0). Further, since the present invention is an invention relating to withholding tax of a specific account, a transaction in which the specific account transaction category is the specific account transaction (= 1) is targeted. Furthermore, the trading profit / loss is calculated by subtracting the acquisition amount from the contract amount.

<Structure of fund wrap system 10 / processing means 20 / asset management means 31>

The asset management means 31 is a contract data storage means (not shown) in the case of an event of reduction accompanied by a sell order, deletion of investment units, withholding, regular receipt, donation, and quarterly fee collection (more generally, period fee collection). ), The execution data of the sell order is acquired, and the amount of the contracted issue (in the present embodiment, the issue of the investment trust) is stored in the balance storage means 44 (see FIG. 4) by the amount of the contracted amount. In addition to executing the renewal process of reducing the balance quantity, the renewal process of increasing the monetary balance stored in the monetary balance storage means 45 (see FIG. 5) by the amount obtained from the sale is executed.

On the other hand, in the event of new contract with buy order, addition of investment unit, increase, and periodical reserve, the deposit amount is in the money balance stored in the money balance storage means 45 (see FIG. 5). At the event where the contract fee is collected, the amount after deducting the contract fee) will be applied to the purchase of the investment trust. In addition, at events such as rebalancing, style change, and investment target stock change, the purchase is carried out after the sale, and the amount obtained from the sale is stored in the monetary balance storage means 45 (see FIG. 5). The amount will be used to purchase investment trusts.

Therefore, in the case of an event involving a buy order, the asset management means 30 acquires the contract data of the buy order from the contract data storage means (not shown) and executes the contracted stock (in the present embodiment, the stock of the investment trust). ) Is executed to increase the balance quantity of the issue stored in the balance storage means 44 (see FIG. 4) by the amount of the contracted amount, and the monetary balance is increased by the amount allocated to the purchase. An update process for reducing the monetary balance stored in the storage means 45 (see FIG. 5) is executed.

<Structure of fund wrap system 10 / processing means 20 / money transfer means 32>

The money transfer means 32 performs a money transfer process with the trading system 70 connected by the communication line 2 for the money balance obtained by the sell order of each event and stored in the money balance storage means 45 (see FIG. 5). In addition to executing, the money transfer details (money transfer details number, money transfer source event number, customer's main account account number (customer identification information), investment unit fund code (operation unit identification information), money transfer amount, etc. (Including) is created and stored in the money transfer details storage means 59 (see FIG. 17). The money transfer details creation process is executed.

In the present embodiment, the money transfer process by the money transfer means 32 is performed from the fund wrap system 10 side to the trading system 70 side together with the account number (customer identification information) of the customer's main account and the amount data (money) related to the money transfer. Since it is a process of transmitting the transfer amount), the money balance stored in the money balance storage means 45 (see FIG. 5) of the fund wrap system 10 is reduced and updated by the amount of the money transfer amount, while the trading system 70 Then, the money balance of the main account (in the case of quarterly fee collection, the account of a financial institution such as a securities company) stored in the main account money balance storage means 83 (see FIG. 1) by the money transfer means 73 on the trading system side. However, it will be increased and updated by the amount of money transfer.

Specifically, the money transfer means 32 is obtained by the sell order of these events on the latest execution date of the sell order of these events for the event of reduction or deletion of the operation unit, and the money balance storage means 45 ( (See FIG. 5), the money transfer process and the money transfer statement creation process for the entire amount of money stored in the money transfer process are executed. This latest contract date is the same as the latest contract date of the sell order of the event of reduction or deletion of the operation unit that constitutes the exception cooperation timing condition used in the judgment processing of the cooperation timing by the specific account inclusion information cooperation means 33. , Stored in the order management storage means 55 (see FIG. 13). Therefore, in the trading system 70, the entire amount of the amount obtained from the sell order of the event of reduction or deletion of the operation unit is transferred to the customer's main account by the trading system side money transfer means 73, and the balance amount of the main account increases. To do.

In addition, the money transfer means 32 is limited to the case where the withholding event is not processed for the withholding tax event on the cooperation setting date (in this embodiment, the 13th business day of December) for the event of reduction or deletion of the operation unit. , Money transfer processing and money for all or part of the money (estimated amount equivalent to withholding tax) obtained from the sell order of the withholding event and stored in the money balance storage means 45 (see FIG. 5). Execute the transfer details creation process. This linkage setting date (in this embodiment, the 13th business day of December) is the same as the linkage setting date that constitutes the principle linkage timing condition used in the linkage timing determination process by the specific account inclusion information linkage means 33. , It is stored in the withholding event storage means 51 (see FIG. 9). Therefore, in the trading system 70, all or part of the amount obtained from the sell order of the withholding event is transferred to the customer's main account by the trading system side money transfer means 73, and the balance amount of the main account is changed. As the amount increases, the full amount of the estimated withholding amount is not always transferred to the main account, but rather the full amount of the estimated amount is rarely transferred to the main account. In addition, the withholding event monetary transfer processing is not performed on the latest contract date of the sell order of the withholding event stored in the order management storage means 55 (see FIG. 13), but in principle, the cooperation timing condition is set. It is performed on the same day as the day to be satisfied, that is, on the cooperation setting day (in this embodiment, the 13th business day of December).

More specifically, in the withholding event monetary transfer processing, the withholding tax calculation result storage means 52 (see FIG. 10) is used on the cooperation setting date (in this embodiment, the 13th business day of December). When the fixed amount of withholding tax amount stored in is smaller than the estimated amount of withholding tax amount stored in the withholding tax calculation result storage means 52, the fixed amount of withholding tax amount is used as the monetary transfer amount. To do. Therefore, in this case, the difference between the estimated amount and the fixed amount remains in the money balance stored in the money balance storage means 45 (see FIG. 5), and the difference is collected as a commission. And when purchases due to rebalancing occur, they are assigned to them.

On the other hand, in the money transfer means 32, the fixed amount of the withholding tax equivalent amount stored in the withholding tax calculation result storage means 52 (see FIG. 10) is stored in the withholding tax calculation result storage means 52. If the amount is equal to or greater than the estimated amount, the estimated amount equivalent to withholding tax shall be the monetary transfer amount. Therefore, in this case, it is necessary to separately prepare funds in the customer's main account, and if the funds for tax collection are insufficient, advance payment will be incurred. However, in the calculation of the estimated amount, the issue is not normally considered between the estimated amount calculation date and the fixed amount calculation date (cooperation setting date) because the fee is not deducted and the factor exceeding 100% is multiplied. In principle, the estimated amount of withholding tax will be larger than the fixed amount unless there is a situation in which a large amount of transfer gain is generated in the sell order of the withholding tax event. Therefore, the system configuration is such that the possibility of advance payment is minimized.

If the fixed amount and the estimated amount are the same amount, the same amount will be used as the monetary transfer amount. Therefore, using the fixed amount as the monetary transfer amount and using the estimated amount as the monetary transfer amount are equivalent. Therefore, in the above explanation, the estimated amount is described as the monetary transfer amount, but the fixed amount may be described as the monetary transfer amount.

Further, whether the withholding amount equivalent amount stored in the withholding calculation result storage means 52 (see FIG. 10) is an estimated amount or a fixed amount is estimated to be stored in the withholding calculation result storing means 52. It is determined whether the amount / fixed amount classification is information indicating that it is a provisional calculation for calculating the estimated amount or information indicating that it is the main calculation for calculating the fixed amount.

The sales-related events other than the reduction, operation unit deletion, and withholding tax events are different from the reduction and operation unit deletion events in that the profit and loss information is not linked by the specific account inclusion information linking means 33. The money transfer process and the money transfer statement preparation process by the money transfer means 32 are performed in the same manner as in the case of the event of reduction or deletion of the operation unit.

Specifically, the money transfer means 32, for example, in the event of regular receipt, the money is stored in the order management storage means 55 (see FIG. 13) on the latest execution date of the sell order of the event of regular receipt. From the money balance stored in the balance storage means 45 (see FIG. 5), an update process is executed to reduce the amount obtained by selling (the specified amount for regular receipt), and the amount data is transferred to the communication line 2. The process of transmitting to the trading system 70 via the system 70 is executed. When this amount data (regular receipt designated amount) is transmitted to the trading system 70, it is transferred to the customer's main account by the trading system side money transfer means 73, and the balance amount of the main account increases.

Further, in the quarterly fee collection event, the money transfer means 32 is stored in the order management storage means 55 (see FIG. 13) on the latest contract date of the sell order of the quarterly fee collection event. The amount collected as a fee (quarterly fee) from the monetary balance stored in 45 (see FIG. 5), that is, the fee calculated by the fee calculating means 28 and stored in the calculated fee storage means 57 (see FIG. 15). Along with executing an update process for reducing the amount of money, a process of transmitting the amount data of the commission to the trading system 70 via the communication line 2 is executed. When this amount data (amount of fee) is transmitted to the trading system 70, it is once transferred to the customer's main account by the trading system side money transfer means 73, and then transferred to the account of a financial institution such as a securities company. , The account of a financial institution such as a securities company increases, or the account is transferred to the account of a financial institution such as a securities company without going through the customer's main account, and the account of the financial institution such as a securities company increases. At the quarterly fee collection event, since the amount of the fee is small, it is only necessary to sell the stock with the largest deviation rate from the target (desired) portfolio in line with the investment style based on the contract with the customer. Since the stock with the highest rate is determined at the time of order data creation, the order management process by the event reflecting means 25 may be performed by the entire operation unit.

<Structure of fund wrap system 10 / processing means 20 / specific account inclusion information linkage means 33>

The specific account inclusion information linking means 33 transmits information including trading gains / losses (transfer gains / losses) for trading transactions stored in the book value total transaction storage means 58 (see FIG. 16) to the trading system 70 via the communication line 2. The process of transmitting to the specific account system 74 of the above is executed.

More specifically, the specific account inclusion information linkage means 33 determines the success or failure of the cooperation timing condition in principle and the success or failure of the exception cooperation timing condition for each operation unit every business day from the first business day of January. Then, when at least one of the principle cooperation timing condition or the exception cooperation timing condition is satisfied, the linked classification stored in the book value total transaction storage means 58 (see FIG. 16) is not linked (= 0). Information including trading gains and losses regarding trading transactions (transfer transactions delivered within the year) of the target investment unit whose specific account transaction category is specified account trading (= 1) is transmitted via the communication line 2. Along with transmitting to the specific account system 74 of the trading system 70, a process of updating the linked classification to linked (= 1) for the transmitted trading transaction is executed. On the other hand, if neither the cooperation timing condition nor the exception cooperation timing condition is satisfied, the trading system 70 is not linked to the specific account system 74 (transmission of information including trading profit / loss). An example of the timing of cooperation with the specific account system 74 and the flow of the process of determining the necessity of cooperation will be described later with reference to FIGS. 19 and 22.

Here, in principle, the cooperation timing condition corresponds to a predetermined cooperation setting date in December once a year (in this embodiment, it is set as an example on the 13th business day of December). It is a condition. Further, as for the exception linkage timing condition, the event of the reduction or deletion of the operation unit (including the case of contract termination accompanied by the deletion of the operation unit) is stored in the event storage means 50 (see FIG. 8) (event status for the event). Is "established"), and the judgment date corresponds to the latest contract date of the sell order of the event of the reduction or deletion of the operation unit stored in the order management storage means 55 (see FIG. 13). It is a condition.

Therefore, since the exception cooperation timing condition is satisfied only for the reduction event and the operation unit deletion event (these two events are called specific account calculation events), other sales-related events occur. However, the trading system 70 is not linked to the specific account system 74 (transmission of information including trading profit / loss). On the other hand, if the exception cooperation timing condition is satisfied due to the occurrence of a specific account calculation event, it is a transfer transaction (transaction of a specific account) for delivery within the year of an event other than the specific account calculation event (for example, an event such as regular receipt or donation). This is also a premise.) If the linked category is not linked (= 0), the trading system 70 is linked to the specific account system 74 (transmission of information including trading profit / loss). Therefore, all the transfer transactions (transactions of a specific account) delivered within the year that were executed after the previous cooperation timing are the transactions subject to cooperation for information including trading profit and loss.

In principle, if the cooperation timing condition is satisfied, the transfer transaction (transaction of a specific account) that occurs in all the operation units set by the customer in the contract will be the target transaction, but the exception cooperation timing condition will be satisfied. If this is the case, the transfer transaction (transaction of a specific account) that occurred at the investment unit where the event of reduction or deletion of the investment unit occurred will be the target transaction for cooperation. If the contract is terminated with the deletion of the investment unit, the transfer transaction (transaction of a specific account) that occurs in all the investment units will be the target transaction for cooperation.

Further, the specific account inclusion information linking means 33 uses the communication line 2 to buy and sell information on the collection fee from the customer, which is calculated by the fee calculation means 28 and stored in the calculation fee storage means 57 (see FIG. 15). The process of transmitting to the specific account system 74 of 70 is also executed. The information on the collection fee may be linked at the timing of linking the information including the trading profit and loss, or may be linked each time the fee (contract fee, quarterly fee) is collected. When the collection fee information is linked according to the linking timing of the information including trading profit and loss as in the former case, the collection fee information during the current year from January up to the linking timing may be transmitted (in this case). Will generate duplicate information, but the specific account system 74 will take measures to avoid duplication.) Or, send information on the collection fee during the current year from the previous cooperation timing to the cooperation timing. You may.

<Structure of fund wrap system 10 / storage means 40>

As shown in FIG. 3, the main account storage means 41 stores, for example, the account number (customer identification information) of the customer's main account and the account fund code in association with each other.

As shown in FIG. 3, the contract storage means 42 includes, for example, a contract fund code, an account number (customer identification information) of the customer's main account, and a service type classification (“fund wrap premium” service = 01, “fund wrap online”. Service = 02, ...), new contract date, new contract amount, account fund code, rebalancing judgment standard deviation rate (deviation rate that is the standard for rebalancing judgment:% unit), etc. are stored in association with each other. ..

As shown in FIG. 3, the investment unit storage means 43 includes, for example, an investment unit fund code (operation unit identification information), an account number of a customer's main account (customer identification information), and a service type classification (“fund wrap premium” service. = 01, "Fund Wrap Online" service = 02, ...), investment unit number (1, 2, 3, 4, 5), investment unit name (nickname of investment unit, etc.), investment style classification (common style = 1, Individual style (1) = 2, Individual style (2) = 3, ...), Operation style code (Operation style identification information), Operation port status (New application = 1, Additional application = 2, Operation = 3, End of operation = 4, canceled = 5), set amount (amount managed by investment unit: amount at each point in time and renewed amount), contract fund code, initially set amount (at the time of new contract or addition of investment unit) Time set amount), regular receipt registration information (regular receipt timing, regular receipt designated amount, etc.), donation registration information (food support, medical care, environment, child support, disaster recovery, etc. donation theme (donation destination), The donation amount, etc.), the registration information of the regular reserve (regular reserve timing, regular reserve setting date, monthly regular reserve amount, bonus month regular reserve additional amount, etc.) are stored in association with each other.

As shown in FIG. 4, the balance storage means 44 has, for example, the account number (customer identification information) of the customer's main account, the investment unit fund code (management unit identification information), and the brand code of the investment trust that is the asset owned by the customer. (Brand identification information), balance quantity (number of investment trusts held), valuation amount, etc. are stored in association with each other. There are execution-based data and delivery-based data for the balance quantity and valuation amount.

As shown in FIG. 5, the money balance storage means 45 stores, for example, the money balance held by the customer, the account number (customer identification information) of the customer's main account, and the like in association with each other. There are two types of monetary balances: execution-based data and delivery-based data.

As shown in FIG. 6, the unit price information storage means 46 stores, for example, an investment trust brand code, a base price, and the like in association with each other. The unit price information storage means 46 also stores stock codes such as stocks and bonds, unit prices, and the like, and also stores index values for various financial indicators such as the Nikkei 225, NY Dow, and crude oil prices. ing.

As shown in FIG. 7, the operation style storage means 47 is, for example, a service type classification (“fund wrap premium” service = 01, “fund wrap online” service = 02, ...), An operation style classification (common style = 1, Individual style (1) = 2, individual style (2) = 3, ...), operation style code (operation style identification information), operation style name (stable type, slightly stable type, balanced type, slightly positive type, positive type, ...), Fee code (commission rate identification information), etc. are associated and stored.

As shown in FIG. 7, the operation style / asset class configuration storage means 48 is associated with, for example, an operation style code (operation style identification information), an asset class code (asset class identification information), and a setting configuration ratio (operation style code). Asset class allocation ratio:% unit), etc. are associated and stored.

As shown in FIG. 7, the asset class stock composition storage means 49 stores, for example, an asset class code (asset class identification information), an investment trust brand code (stock identification information), and the like in association with each other.

As shown in FIG. 8, the event storage means 50 has, for example, an event number (identification information of each event), an event classification (new contract, increase, decrease, addition of investment units, deletion of investment units, style change, change of investment target stock). , Periodic receipt application, Periodic receipt content change, Periodic receipt, Donation application, Donation content change, Donation, Periodic reserve application, Periodic reserve content change, Periodic reserve, etc. Event type identification information), Event status (Applying, established, Unsuccessful, canceled, ...), investment unit fund code (operation unit identification information), account number of customer's main account (customer identification information), contract fund code, operation start date, set amount at the time of new contract, addition of investment unit Set amount at the time, increase amount, decrease amount, operation style code before and after change (operation style identification information), asset class code before and after change, periodic receipt timing before and after change, before and after change Specified amount of regular receipt after change, donation destination before and after change, donation amount before and after change, regular reserve timing before and after change, regular reserve setting date before and after change, before and after change Monthly regular reserve amount after change, regular reserve additional amount for bonus month before and after change, regular receipt judgment date (date of automatic continuation judgment of regular receipt: business at the end of the month before the regular receipt month Day), regular receipt determination result (do not create sale order data for regular receipt in the current month = 0, create = 1), donation calculation processing date, etc. are stored in association with each other.

As shown in FIG. 9, the withholding event storage means 51 has, for example, a withholding event number (event number for identifying the withholding event) and a withholding processing date (date when the withholding processing is performed). , Withholding calculation base year (base year for calculating withholding amount), Investment unit fund code (Investment unit fund code of the target investment unit for withholding tax processing), Expected amount / fixed amount classification (provisional calculation or main calculation? ), The date of execution of batch processing (date of execution of batch processing), etc. are stored in association with each other. Here, the withholding tax processing implementation date is the estimated amount calculation date (in this embodiment, the fifth business day of December as an example) in the case of the provisional calculation for calculating the estimated amount, and the fixed amount is calculated. In the case of this calculation, the cooperation setting date (in this embodiment, as an example, the 13th business day of December) is set.

As shown in FIG. 10, the withholding calculation result storage means 52 includes, for example, a calculation base year, an investment unit fund code (operation unit identification information), an estimated amount / fixed amount classification (whether provisional calculation or main calculation), and so on. Cumulative trading profit / loss (cumulative trading profit / loss in the target aggregation year, total trading profit / loss of book value total transaction storage means 58 (see Fig. 16)), cumulative commission (cumulative management unit unit for commission in the target aggregation year) ), Cumulative realized profit / loss (cumulative realized profit / loss in the target aggregation year, cumulative trading profit / loss-cumulative commission), amount equivalent to withholding (cumulative realized profit / loss in the target aggregation year x withholding tax rate (rounded down to the nearest whole number)) If the cumulative profit / loss is negative, "0" is set), and the record registration date, etc. are associated and stored. Here, the accumulated commission and the accumulated realized profit / loss are used in the main calculation for calculating the fixed amount, but not in the provisional calculation for calculating the estimated amount.

As shown in FIG. 11, the rebalancing storage means 53 includes, for example, a rebalancing number (identification information of the rebalancing event), an investment unit fund code (management unit identification information), and an account number of the customer's main account (customer identification information). ), Rebalancing execution judgment date (date of performing rebalancing implementation judgment processing: last business day), rebalancing execution judgment result (whether required or unnecessary), etc. are stored in association with each other.

As shown in FIG. 12, the quarterly fee collection storage means 54 has, for example, a quarterly fee collection number (identification information of the quarterly fee collection event), an investment unit fund code (operation unit identification information), and an account number of the customer's main account (identification information of the investment unit) Customer identification information), quarterly fee calculation processing date, etc. are stored in association with each other.

As shown in FIG. 13, the order management storage means 55 has, for example, an investment unit fund code (operation unit identification information), an order data creation event number (events for which order data is created, for example, reduction, operation unit deletion, source). Identification information for each event such as collection and regular receipt), trading status (state in which order data is created and either sale or purchase order data needs to be created, order data has been created, trading is not required State), order date, latest contract date, latest delivery date, deletion flag (presence / absence of logical deletion of record: non-erasure = 0, deletion = 1), etc. are stored in association with each other.

As shown in FIG. 14, the order data storage means 56 includes, for example, an order number, a brand code (brand identification information) of an investment trust to be bought and sold, an order quantity (number of units when ordering by specifying the number of units), and an order amount (designating the amount). (Amount when ordering with), trading classification (separate between selling and buying), account number of the customer's main account (customer identification information), order status (unordered, ordering, executed, ...), etc. It is something to remember.

As shown in FIG. 15, the calculation fee storage means 57 includes, for example, a remuneration statement number, a fee calculation date, an investment unit fund code (operation unit identification information), an investment advisory fee amount (commission), and a transaction management fee amount. (Commission) etc. are associated and stored.

As shown in FIG. 16, the book value total transaction storage means 58 is, for example, a transaction number (= order number), an account fund code, a management unit fund code (management unit identification information), a contract fund code, and a customer's main account. Account number (customer identification information), brand code (brand identification information), trading category (separate between selling and buying), contract date, delivery date, specific account transaction category (0: non-specific account transaction (contract within the general account period) ), 1: Specific account transaction (contract within the specific account period), ...), transaction quantity (number of contracted units), transaction unit price (base price at the time of contract), contract amount, delivery amount, balance quantity before and after the transaction, transaction Book value unit price before and after (individual principal), book value before and after transaction (individual principal basis), acquisition amount (acquisition amount calculated on an individual principal basis), trading profit and loss (trading profit and loss calculated on an individual principal basis) ), Book value unit price before and after transaction (average acquisition unit price), book value amount before and after transaction (average acquisition unit price base), acquisition amount (acquisition amount calculated based on average acquisition unit price), trading profit (calculated based on average acquisition unit price) Trading profit / loss), Specified account inclusion target category (category indicating whether or not the transaction is included in a specific account, 0: Specified account non-inclusion target transaction, 1: Specified account inclusion target transaction), Linked category (1) : Linked, 0: Not linked), etc. are associated and stored.

As shown in FIG. 17, the money transfer detail storage means 59 has, for example, a money transfer detail number, a money transfer source event number (events that caused the money transfer, for example, reduction, deletion of operation units, withholding money, etc. (Identification information of each event such as regular receipt), account number of the customer's main account (customer identification information), investment unit fund code (operation unit identification information), money transfer amount, etc. are stored in association with each other.

As shown in FIG. 18, the order availability date storage means 60 has, for example, in a calendar format, a brand code (brand identification information) for each brand of the investment trust and information on the availability of orders on each day (order impossible = 0). , Orderable = 1) and is stored in association with it. The information on whether or not an order can be placed on each day is information on whether or not it is an orderable day obtained by adding factors other than whether or not it is a business day (domestic business day). For example, it is closed overseas. It is information that considers the day. In the example of FIG. 18, it is information on whether or not an order can be placed in a state in which both the element of whether or not it is a business day (domestic business day) and the element of whether or not it is an overseas holiday are taken into consideration. However, information on whether or not an order can be placed depending on whether or not it is a business day (domestic business day) and information on whether or not an order can be placed on whether or not it is an overseas holiday may be prepared separately (separately). You may prepare it at a table etc.). That is, by referring to both separately prepared information, it may be possible to finally obtain information on whether or not an order can be placed on each day in consideration of overseas holidays. In addition to whether or not it is a business day (domestic business day), other factors include whether or not it falls under an overseas holiday, for example, an order avoidance period due to sudden market fluctuations and other rules. Whether or not it corresponds to the order avoidance period. In the case of each of these elements, the information on whether or not the order can be placed may be prepared separately, or the information on whether or not the order can be placed in a state in which all the elements or a plurality of elements are added may be prepared.

As shown in FIG. 18, the contract / delivery days storage means 61 associates, for example, the number of days from the order date to the contract date and the number of days from the order date to the delivery date with the stock code (stock identification information) of the investment trust. It is something to remember.

As shown in FIG. 18, the investment unit stock composition storage means 62 includes, for example, the account number (customer identification information) of the customer's main account, the investment unit fund code (management unit identification information), and the investment trust brand code (stock identification). Information), set composition ratio (allocation ratio within the asset class of the target issue:% unit), etc. are stored in association with each other.

As shown in FIG. 18, the calculation date storage means 63 includes a brand unit calculation date storage means 63A, an asset class unit calculation date storage means 63B, and an operation unit unit calculation date storage means 63C.

As shown in FIG. 18, the stock unit calculation date storage means 63A has, for example, an investment unit fund code (management unit identification information), an asset class code (asset class identification information), an investment trust brand code (stock identification information), and the like. The order date (however, the date when all stocks can be ordered), the contract date, the delivery date, etc. are stored in association with each other.

As shown in FIG. 18, the asset class unit calculation date storage means 63B has, for example, an asset management unit fund code (management unit identification information), an asset class code (asset class identification information), the latest contract date in the asset class, and an asset. The latest delivery date in the class is associated and memorized.

As shown in FIG. 18, the investment unit unit calculation date storage means 63C associates, for example, the investment unit fund code (management unit identification information), the latest contract date of the entire investment unit, the latest delivery date of the entire investment unit, and the like. It is something to remember.

<Detailed configuration of trading system 70>

<Structure of trading system 70 / trading processing means 71, contract data linking means 72>

The trading processing means 71 is an order data (order number, brand code for trading brand, order) transmitted from the fund wrap system 10 via the communication line 2 and stored in the order data storage means 81 (see FIG. 1). Using the quantity (number of units) or order amount, trading classification, and account number of the customer's main account (customer identification information)), the trading of financial products (in this embodiment, the investment trust) is executed and the trading is performed. The contract data (including order number, brand code for trading brand, contract amount (number of units), contract amount, trading category, base price at the time of contract, account number of customer's main account (customer identification information)) is executed. The process of storing the data in the data storage means 82 (see FIG. 1) is executed.

The contract data linkage means 72 executes a process of transmitting the contract data stored in the contract data storage means 82 (see FIG. 1) to the fund wrap system 10 via the communication line 2.

<Structure of trading system 70 / money transfer means 73 on the trading system side>

The money transfer means 73 on the trading system side executes a money transfer process with the fund wrap system 10 connected by the communication line 2. The money transfer means 73 on the trading system side uses the money transfer means 32 to collect the amount data (money transfer amount) related to the money transfer transmitted from the fund wrap system 10 via the communication line 2 to the account number of the customer's main account. It is received together with (customer identification information), and the money transfer process is executed in the customer's main account (in the case of quarterly fee collection, it may be the account of a financial institution such as a securities company).

For example, in the event of reduction, the amount data (money transfer amount) received by the trading system side money transfer means 73 from the fund wrap system 10 is the reduction amount, and in the event of deleting the investment unit, the amount data (money transfer) received. Amount) is the amount obtained by selling the entire quantity (total number of units) of all the stocks of the investment units to be deleted, and these amounts are transferred to the customer's main account to store the main account monetary balance 83 (Fig. 1). Increase the balance amount of the customer's main account stored in (see).

In addition, at the withholding event, the amount data (money transfer amount) received from the fund wrap system 10 by the money transfer means 73 on the trading system side is the amount obtained from the sale for securing funds for tax collection (withholding tax). The total or part of the estimated amount), and the amount is transferred to the customer's main account and stored in the main account monetary balance storage means 83 (see Fig. 1). To increase. Therefore, the amount transferred to the customer's main account is not always the full amount of the estimated amount equivalent to withholding tax, but rather the total amount of the estimated amount is rare. This is because, in principle, the estimated amount is set to be larger than the fixed amount.

Further, at the regular receipt event, the amount data (money transfer amount) received from the fund wrap system 10 by the trading system side money transfer means 73 is the regular receipt designated amount, and this amount is transferred to the customer's main account. The balance amount of the customer's main account stored in the account money balance storage means 83 (see FIG. 1) is increased.

Further, in the event of quarterly fee collection (more generally, period fee collection), the amount data (money transfer amount) received from the fund wrap system 10 by the money transfer means 73 on the trading system side is the amount collected as a commission, that is, This is the amount of the fee calculated by the fee calculating means 28 and stored in the calculated fee storage means 57 (see FIG. 15). After transferring this amount to the customer's main account, it is transferred to the account of a financial institution such as a securities company. Transfer, increase the account of a financial institution such as a securities company, or transfer to the account of a financial institution such as a securities company without going through the customer's main account, and increase the account of the financial institution such as a securities company.

<Structure of the specific account inclusion means 75 of the trading system 70 / specific account system 74>

The specific account inclusion means 75 of the specific account system 74 is information including trading profit / loss transmitted from the fund wrap system 10 via the communication line 2 and stored in the specific account inclusion information storage means 84 (see FIG. 1). And the withholding tax amount of the specific account is calculated using the fee collected from the customer, and the withholding tax amount obtained by the calculation is stored in the main account monetary balance storage means 83 (see FIG. 1). It executes withholding tax processing that reduces the balance amount of the customer's main account. In the present embodiment, the calculation process of the withholding tax amount is performed on the linking date of the information including the trading profit / loss by the specific account inclusion information linking means 33 (information including the trading profit / loss transmitted from the fund wrap system 10 in the trading system 70). Is received and stored in the specific account inclusion information storage means 84 (see FIG. 1)), which is executed on the next business day. In addition, the withholding tax amount calculated from the customer's main account is reflected on the contract basis on the business day following the linkage date of the information including the trading profit and loss by the specific account inclusion information linkage means 33, and on the delivery basis. It will be reflected on the business day following the cooperation date.

At this time, the specific account inclusion means 75 is transmitted from the fund wrap system 10 by the specific account inclusion information linkage means 33 when the cooperation timing condition is satisfied in principle (linkage setting date: December 13th business day in this embodiment). When the incoming cooperation information is received, the profit and loss information and necessary expenses (collected commission) of the transfer transaction delivered within the year that was not included up to that point for all the investment units set by the customer in the contract ) Is taken into consideration when calculating the withholding tax amount for a specific account. On the other hand, when the cooperation information sent from the fund wrap system 10 is received by the specific account inclusion information cooperation means 33 when the exception cooperation timing condition is satisfied (the latest contract date of the sell order for reduction or deletion of the investment unit). For the target investment unit for which the event of reduction or deletion of investment unit that satisfied the exception cooperation timing condition occurred, profit / loss information and necessary expenses (collected fee) of the transfer transaction delivered within the year that was not included up to that point. The withholding tax amount for a specific account is calculated in consideration of.

In the specific account system 74, the withholding tax amount calculated by the specific account inclusion means 75 is also included in the case where there is a transfer gain or loss generated by the purchase and sale of listed stocks, etc. handled by a system other than the fund wrap system 10. Calculated with consideration. Therefore, for example, even if a transfer gain is generated in the fund wrap system 10, the withholding tax amount will be zero if a larger transfer loss is generated in another system.

<Structure of trading system 70 / order data storage means 81, contract data storage means 82, main account money balance storage means 83, specific account inclusion information storage means 84>

The order data storage means 81 is the order data (order number, brand code for trading brand, order quantity (unit number) or order amount, trading classification, customer's main) transmitted from the fund wrap system 10 via the communication line 2. It stores the account number (including customer identification information) of the account.

The contract data storage means 82 uses the contract data (order number, brand code for the traded issue, contracted amount (number of units), contracted amount, trading category, standard at the time of trading) of the order for which the transaction was completed by the trading processing means 71. It stores the value and the account number (customer identification information) of the customer's main account.

The main account money balance storage means 83 stores the account number (customer identification information) of the customer's main account, the money balance of the main account (contract base and delivery base), and the like in association with each other.

The specific account inclusion information storage means 84 is the information stored in the information including the trading profit / loss transmitted from the fund wrap system 10 by the specific account inclusion information linkage means 33 (book value total transaction storage means 58 (see FIG. 16)). ) And the information of the collection fee from the customer (information stored in the calculation fee storage means 57 (see FIG. 15)) is stored in association with the account number (customer identification information) of the customer's main account. Further, if the specific account inclusion information storage means 84 has information including trading profit / loss acquired from a system other than the fund wrap system 10 and information on the collection fee from the customer, such information is also stored in the customer's main account. Store it in association with the account number (customer identification information).

<Example of linkage timing to the specific account system 74 and flow of linkage necessity determination process: FIGS. 19 and 22>

In FIG. 19, the specific account calculation event is a reduction event and an operation unit deletion event, and the transfer transaction is a sale transaction of an event involving a sell order other than the specific account calculation event such as regular receipt or donation.

In the operation unit 1, no specific account calculation event (reduction event and operation unit deletion event) has occurred during the current year. Therefore, the linkage of information including the trading profit / loss of the trading system 70 to the specific account system 74 by the specific account inclusion information linkage means 33 is only the linkage of (1-1) in December. This cooperation (1-1) corresponds to the cooperation setting date in December, which is set in advance on the day of judgment (in this embodiment, the 13th business day of December is used as an example). In principle, it is executed when the cooperation timing condition is satisfied.

At this time, the target of cooperation by the specific account inclusion information cooperation means 33 in (1-1) is the trading profit / loss (transfer profit / loss) of the transfer transaction in January, March, May, July, September, and November. Information to include. In addition, the information on the fee collection at the time of contract in January and the quarterly fee collection in April, July, and October may be linked at the linkage timing of (1-1) by the specific account inclusion information linkage means 33. Alternatively, it may be performed each time each fee is collected. It should be noted that even in the quarterly fee collection, a gain or loss on transfer is generated by selling, but the description is omitted in the transfer transaction in FIG.

In the operation unit 2, there are a reduction event in May and an operation unit deletion event in November as specific account calculation events that occurred during the current year. Therefore, the linkage of information including the trading profit / loss of the trading system 70 to the specific account system 74 by the specific account inclusion information linkage means 33 is the linkage of (2-1) when the reduction event occurs in May and the linkage of (2-1) in November. There is cooperation in (2-2) when the operation port deletion event occurs. In addition, in the case of deleting investment units, since all the stocks (all units) of the target investment units will be sold, there will be no subsequent transfer transactions, so there will be no cooperation in December. In the cooperation of (2-1) and (2-2), the event of reduction or deletion of the operation port that has occurred is stored in the event storage means 50 (see FIG. 8), and the judgment day is the order management storage means 55. It is executed by satisfying the exception cooperation timing condition that it corresponds to the latest contract date of the sell order of the event of the reduction or deletion of the operation unit stored in (see FIG. 13).

At this time, the target of cooperation by the specific account inclusion information cooperation means 33 in (2-1) in May is information including trading profit / loss (transfer profit / loss) regarding the transfer transaction in January, March, and May. The target of cooperation in (2-2) of the month is information including trading gains / losses (transfer gains / losses) for transfer transactions in July, September, and November. In addition, the information on the contract fee collection in January and the quarterly fee collection in April will be linked by the specific account inclusion information linking means 33 at the linking timing of May (2-1), and in July and October. The quarterly fee collection information may be linked at the cooperation timing of (2-2) in November, or these fee collection information may be provided each time the fee is collected. Furthermore, as a cooperation method that generates duplicately linked information (in this case, the specific account system 74 takes measures to avoid duplication), the fee collection at the time of contract in January and the quarterly fee collection in April The information will be linked at the timing of (2-1) in May, and then the information on the contract fee collection in January and the quarterly fee collection in April, July, and October will be provided in November (2). You may cooperate at the cooperation timing of -2).

At Investment Unit 3, there are two reduction events in May and September as specific account calculation events that occurred during the current year. Therefore, the linkage of information including the trading profit / loss of the trading system 70 to the specific account system 74 by the specific account inclusion information linkage means 33 is the linkage of (3-1) when the reduction event occurs in May and the linkage of (3-1) in September. There are (3-2) cooperation when the reduction event occurs and (3-3) cooperation in December. Of these, the cooperation of (3-1) and (3-2) is executed when the exception cooperation timing condition is satisfied. On the other hand, the cooperation of (3-3) is executed when the cooperation timing condition is satisfied in principle.

At this time, the target of cooperation by the specific account inclusion information cooperation means 33 in (3-1) in May is information including trading profit / loss (transfer profit / loss) regarding the transfer transaction in January, March, and May. The target of cooperation in (3-2) of the month is information including trading profit / loss (gain / loss of transfer) for transfer transactions in July and September, and the target of cooperation in (3-3) in December is November. Information including trading gains / losses (transfer gains / losses) regarding transfer transactions. In addition, the information on the fee collection at the time of contract in January and the quarterly fee collection in April will be linked by the specific account inclusion information linking means 33 at the linking timing of (3-1) in May, and the quarterly fee in July. The collection information may be linked at the cooperation timing of (3-2) in September, and the quarterly fee collection information of October may be linked at the cooperation timing of (3-3) in December, or Information on these fee collections may be provided for each fee collection. Furthermore, as a cooperation method that generates duplicately linked information (in this case, the specific account system 74 takes measures to avoid duplication), the fee collection at the time of contract in January and the quarterly fee collection in April Information will be linked at the timing of cooperation in May (3-1), and then information on contract fee collection in January and quarterly fee collection in April and July will be provided in September (3-2). After that, the information on the contract fee collection in January and the quarterly fee collection in April, July, and October will be linked at the cooperation timing of (3-3) in December. May be good.

As described above, the cooperation of the trading system 70 with the specific account system 74 regarding the information including the trading profit / loss (transfer profit / loss) is executed according to the result of the success / failure judgment of the cooperation timing condition and the exception cooperation timing condition in principle, and at the cooperation timing. If it is determined that there is, the information including the trading profit / loss from the transaction from the previous cooperation timing to the cooperation timing during the current year is linked, and the success / failure judgment of these conditions is as shown in FIG. Held every business day. This is because the reduction event and the operation unit deletion event can occur at any time.

In FIG. 22, first, the specific account inclusion information linkage means 33 stores the exception linkage timing condition, that is, the event of reduction or deletion of the operation unit that has occurred in the event storage means 50 (see FIG. 8), and the determination day is set. A success / failure determination is made on the condition that the sell order of the event of the reduction or deletion of the operation unit stored in the order management storage means 55 (see FIG. 13) corresponds to the latest contract date (step S1).

Next, in the success / failure determination (step S1) of the exception cooperation timing condition, if the exception cooperation timing condition is not satisfied, the specific account inclusion information cooperation means 33 is used to set the principle cooperation timing condition, that is, the judgment day in advance. The success or failure of the condition that the cooperation setting date in December (in this embodiment, the setting is set to the 13th business day of December as an example) is determined once a year is performed (step S2).

Then, in the success / failure determination of the principle cooperation timing condition (step S2), when the principle cooperation timing condition is not satisfied, and therefore, when neither the principle cooperation timing condition nor the exception cooperation timing condition is satisfied, the specific account Information including trading profit / loss by the inclusion information linking means 33 is not linked to the specific account system 74 of the trading system 70.

On the other hand, when the success / failure judgment of the principle cooperation timing condition (step S2) satisfies the principle cooperation timing condition, or when the success / failure judgment of the exception cooperation timing condition (step S1) satisfies the exception cooperation timing condition. Therefore, when at least one of the principle cooperation timing condition or the exception cooperation timing condition is satisfied, the linked classification stored in the book value total transaction storage means 58 (see FIG. 16) is regarded as unlinked (= 0). Information including trading gains and losses regarding trading transactions (transfer transactions delivered within the year) of the target investment unit whose specific account transaction category is specified account transaction (= 1) is transmitted via the communication line 2. It is transmitted to the specific account system 74 of the trading system 70, and the linked classification of the transmitted trading transaction is updated to linked (= 1) (step S3).

In addition, as of the cooperation setting date (in this embodiment, as an example, the 13th business day of December), events for reduction or deletion of operation units have been applied for, and the cooperation setting date is the highest selling order for those events. In the case of a late contract date, both the cooperation timing condition and the exception cooperation timing condition are satisfied in principle, but even if both conditions are satisfied at the same time, the cooperation process of step S3 of FIG. 22 is performed twice. It is not necessary to perform the cooperation processing based on the establishment of the exception cooperation timing condition (determination result in step S1 = YES) due to the occurrence of the event of reduction or deletion of the operation port. Even if the linkage process is to be performed twice, in the system configuration of this embodiment, the linked classification becomes linked (= 1) in the first link, so that the second linked transaction does not exist. Become.

In addition, when the principle cooperation timing condition is satisfied in the success / failure determination (step S2) of the principle cooperation timing condition, that is, on the cooperation setting date (in this embodiment, the 13th business day of December), the step of FIG. 23 Processing of S18 (calculation of fixed amount by withholding preparation means 23: calculation of fixed amount equivalent to withholding and storage), and processing of step S19 of FIG. 23 (money transfer processing by money transfer means 32: withholding) Money transfer processing for withholding tax with money obtained from the sale order of the event) is performed. The process of step S19 in FIG. 23 on the cooperation setting date (in this embodiment, the 13th business day of December) is performed when the money transfer process of the event of reduction or deletion of the operation unit is not performed. In relation to the cooperation timing determination by the specific account inclusion information cooperation means 33, when the exception cooperation timing condition is not satisfied in step S1 and the principle cooperation timing condition is satisfied in step S2, the cooperation setting date (this embodiment). Then, the process of step S19 of FIG. 23 on the 13th business day of December) is performed.

Further, in the success / failure determination of the exception cooperation timing condition (step S1), when the exception cooperation timing condition is satisfied, that is, on the latest execution date of the sell order of the event of reduction or deletion of the operation unit, step S27 of FIG. (Money transfer processing by the money transfer means 32: Money transfer processing of the event of reduction or deletion of the operation port) is performed.

<Example of cooperation with the specific account system 74, which is carried out every December, and the flow of preparatory processing to secure money for withholding tax: Fig. 20, Fig. 23>

In FIG. 23, first, the withholding preparation means 23 creates a record of a withholding event accompanied by a sell order for securing money for withholding, and stores it in the withholding event storage means 51 (see FIG. 9). The withholding event generation process is executed (step S11). As shown in FIG. 20, this withholding event generation process is executed on the estimated amount calculation date (in this embodiment, as an example, the fifth business day of December) or a day before that. The withholding event record contains the estimated amount calculation date (column of the withholding processing date). In the example of FIG. 20, the estimated amount calculation date is 12/6 (Friday).

Subsequently, the expected amount calculation date (column of the withholding tax processing implementation date) stored in the withholding event storage means 51 (see FIG. 9) by the withholding tax preparation means 23: December 5th in this embodiment. At the time of (business day), the estimated amount of withholding tax is calculated using the information including the trading profit / loss stored in the book value total transaction storage means 58 (see FIG. 16), and the calculation result is included. An estimated amount calculation process for creating a record and storing it in the withholding calculation result storage means 52 (see FIG. 10) is executed (step S12 in FIG. 23). Since this estimated amount calculation process has already been described in detail in the description of the configuration of the withholding tax preparation means 23, detailed description thereof will be omitted here. In the example of FIG. 20, the estimated amount equivalent to withholding tax is 200,000 yen.

Then, the event reflection means 25 places an order on the estimated amount calculation date (in the present embodiment, the fifth business day of December) in the record of the withholding event stored in the withholding event storage means 51 (see FIG. 9). Create a record for order management of the withholding event in the management storage means 55 (see FIG. 13), and in the created record, the event number for the withholding event and the investment unit fund code for the target investment unit (investment unit). Identification information), the order date, the latest contract date, and the latest delivery date (these dates are the previous business days, December 4th) stored in the calculated date storage means 63 (see FIG. 18) at that time. Stores order management information for each operation unit, including data calculated by nighttime batch processing on business days) and trading status (here, "state in which it is necessary to create order data for sale"). The order management process is executed (step S13 in FIG. 23). In the example of FIG. 20, the order date is 12/9 (Monday), the latest contract date is 12/10 (Tuesday), and the latest delivery date is 12/13 (Friday). If, for example, 12/9 (Monday) is an overseas holiday, the order date will be 12/10 (Tuesday), which is the latest contract date, among the constituent stocks of the target investment units. And the latest delivery date is also off.

After that, the order creation means 26 uses the order date in the order management record of the withholding event stored in the order management storage means 55 (see FIG. 13), and the relationship between the order date and the date at the time of determination is used. Depending on whether or not meets the predetermined order creation condition (in this embodiment, the order creation condition that the business day following the judgment time corresponds to the order date), the order data is displayed on the judgment time date. The order data creation timing determination process for determining whether to create or wait for creation is executed every business day after the withholding event occurs. Then, on the day when the above order creation conditions are satisfied, that is, on the business day before the order date, the withholding tax equivalent amount stored in the withholding tax calculation result storage means 52 (see FIG. 10) by the order creation means 26. Using the estimated amount, order data for a sell order for a withholding event is created and stored in the order data storage means 56 (see FIG. 14) (step S14 in FIG. 23). In the example of FIG. 20, since the order date = 12/9 (Monday), the above order creation condition is satisfied on 12/6 (Friday), so that 12/6 (Friday), that is, the estimated amount calculation date. Create order data for a sell order of 200,000 yen on (5th business day of December).

Subsequently, the order data linking means 29 buys and sells the order data stored in the order data storage means 56 (see FIG. 14) on the order date (the business day following the order data creation date) via the communication line 2. It is transmitted to the system 70 (step S15 in FIG. 23). In the example of FIG. 20, order data is transmitted (ordered) on 12/9 (Monday).

In the trading system 70, the investment trust uses the order data transmitted from the fund wrap system 10 via the communication line 2 by the trading processing means 71 and stored in the order data storage means 81 (see FIG. 1). The trading process (here, the selling process of the withholding event) is executed, and the contract data is stored in the contract data storage means 82 (see FIG. 1). Further, the contract data linking means 72 transmits the contract data stored in the contract data storage means 82 (see FIG. 1) to the fund wrap system 10 via the communication line 2.

Then, the fund wrap system 10 receives the contract data transmitted from the trading system 70 via the communication line 2 and stores it in the contract data storage means (not shown) of the fund wrap system 10, and the contract processing means 30. , Acquires the contract data stored in the contract data storage means (not shown), and of the order data (order data having the same order number as the contract data) stored in the order data storage means 56 (see FIG. 14). The process of updating the status to "contracted" is executed, and the acquired contract data is used to create a record of the contracted sales transaction and store it in the book value total transaction storage means 58 (see FIG. 16). Is executed (step S16 in FIG. 23). At this time, the linked category is not linked (= 0).

Subsequently, the balance of the issue stored in the balance storage means 44 (see FIG. 4) by the amount of the contracted issue of the sell order acquired from the execution data storage means (not shown) by the asset management means 31. Along with executing the renewal process to reduce the quantity, the monetary balance stored in the monetary balance storage means 45 (see FIG. 5) is stored by the amount obtained from the sale (in total, the estimated amount equivalent to the withholding amount). The update process for increasing the number is executed (step S17 in FIG. 23). In the example of FIG. 20, the balance quantity (contract base) stored in the balance storage means 44 (see FIG. 4) on 12/10 (Tuesday), which is the latest contract date, is 10 million yen to 200,000 yen. The amount is reduced and updated to 9.8 million yen, and the money balance (contract base) stored in the money balance storage means 45 (see FIG. 5) is updated from 0,000 yen to 200,000 yen.

In the case of a withholding tax event, the money transfer process by the money transfer means 32 is not performed even on the latest contract date. This is because the amount equivalent to withholding tax has not yet been calculated, so the amount of money transfer cannot be determined. In the example of FIG. 20, since the money transfer process with the trading system 70 is not performed on 12/10 (Tuesday), which is the latest contract date, it is stored in the money balance storage means 45 (see FIG. 5). The monetary balance (contract base) remains at 200,000 yen.

After that, the withholding tax preparation means 23 creates a record for this calculation including the cooperation setting date (in this embodiment, the 13th business day of December is set as an example) in advance, and the withholding event storage means. On the cooperation setting date (column of the withholding tax processing implementation date: the 13th business day of December in this embodiment) stored in 51 (see FIG. 9) and stored in the withholding event storage means 51. At that time, using the information including the trading profit / loss stored in the book value total transaction storage means 58 (see FIG. 16) and the collection fee information stored in the calculation fee storage means 57 (see FIG. 15), A fixed amount calculation process for calculating the fixed amount equivalent to the withholding tax, creating a record including the calculation result, and storing the fixed amount in the withholding tax calculation result storage means 52 (see FIG. 10) is executed (step S18 in FIG. 23). .. Since this fixed amount calculation process has already been described in detail in the description of the configuration of the withholding tax preparation means 23, detailed description thereof will be omitted here. In the example of FIG. 20, the fixed amount equivalent to withholding tax is 150,000 yen.

Then, the withholding tax event is sold only when the money transfer process of the event of reduction or deletion of the operation unit is not performed on the cooperation setting date (in this embodiment, the 13th business day of December) by the money transfer means 32. Executes monetary transfer processing and monetary transfer statement creation processing for all or part of the money (estimated amount equivalent to withholding tax) obtained by order and stored in the monetary balance storage means 45 (see FIG. 5). (Step S19 in FIG. 23). At this time, the withholding tax equivalent amount stored in the withholding tax calculation result storage means 52 (see FIG. 10) is compared with the fixed amount to determine the monetary transfer amount. If the fixed amount is small, select the fixed amount, if the fixed amount is large, select the estimated amount, and if the fixed amount is the same, select the same amount (hence, it may be the fixed amount or the estimated amount). ..

In the example of FIG. 20, since the fixed amount of withholding tax = 150,000 yen is smaller than the estimated amount of withholding tax = 200,000 yen, the fixed amount of 150,000 yen is used as the monetary transfer amount. Therefore, due to the money transfer process by the money transfer means 32, the money balance (contract base) stored in the money balance storage means 45 (see FIG. 5) is reduced by 150,000 yen from 200,000 yen and updated to 50,000 yen. Will be done. In other words, the difference of 50,000 yen, which is the estimated amount minus the fixed amount, remains.

If the fixed amount of withholding tax is 250,000 yen, the fixed amount is larger than the estimated withholding amount of 200,000 yen, so the estimated amount of 200,000 yen is more money. It will be the transfer amount. Therefore, in this case, the monetary balance (contract base) stored in the monetary balance storage means 45 (see FIG. 5) is deducted from 200,000 yen by 200,000 yen and updated to 0,000 yen.

In the trading system 70, the trading system side money transfer means 73 receives the amount data (money transfer amount) transmitted from the fund wrap system 10 via the communication line 2, and transfers the amount to the customer's main account. The balance amount of the customer's main account stored in the main account monetary balance storage means 83 (see FIG. 1) is increased. In the example of FIG. 20, the balance update of the main account due to this money transfer is reflected on the contract basis on the business day following the transmission date from the fund wrap system 10 on Thursday, December 19 (14th December). Although it is set as (business day), it may be set as the transmission date, 12/18 (Wednesday) (13th business day of December). In addition, the reflection on a delivery basis (illustration in FIG. 20 is omitted) is on 12/20 (Friday) (15th business day of December), which is the business day following the transmission date from the fund wrap system 10. However, it may be the transmission date of 12/18 (Wednesday) (13th business day of December), and the business day following the transmission date of 12/19 (Thursday) (14th business day of December). May be.

Further, although the illustration in FIG. 23 is omitted, the cooperation setting date (in this embodiment, the setting is set on the 13th business day of December as an example) is specified because the cooperation timing condition is satisfied in principle. The trading system 70 is linked to the specific account system 74 (transmission of information including trading profit / loss) by the account inclusion information linking means 33. This cooperation is the process of step S3 performed when the cooperation timing condition is satisfied in principle in step S2 in FIG. 22. In the example of FIG. 20, this collaboration will take place on Wednesday, December 18th, the 13th business day of December. Then, the information including the trading profit / loss transmitted to the specific account system 74 of the trading system 70 is stored in the specific account inclusion information storage means 84 (see FIG. 1).

Further, in the trading system 70, on the business day following the cooperation setting date (13th business day of December in this embodiment) (14th business day of December in this embodiment), the specific account system 74 is included in the specific account. The withholding tax amount of the specific account is calculated by the means 75 using the information including the trading profit / loss stored in the specific account inclusion information storage means 84 (see FIG. 1) and the information of the collection fee from the customer. Then, withholding tax is used to reduce the balance amount of the customer's main account stored in the main account monetary balance storage means 83 (see FIG. 1) by using the withholding tax amount obtained by the specific account inclusion means 75. The processing is executed, but the reflection of this processing on the customer's main account on a contract basis is performed on the business day following the cooperation setting date (in this embodiment, the 14th business day of December), and is performed on a delivery basis. Is reflected on the business day following the cooperation setting date (in this embodiment, the 15th business day of December). In the example of FIG. 20, the balance amount (contract base) of the customer's main account stored in the main account monetary balance storage means 83 (see FIG. 1) is December 19 (Thursday), which is the 14th business day of December. In addition, the withholding tax amount of 150,000 yen is subtracted from the 150,000 yen increased by the money transfer process to make it 0 yen. Although not shown in FIG. 20, the balance amount (delivery basis) of the customer's main account increased by the money transfer process on December 20 (Friday), which is the 15th business day of December15. The withholding tax amount of 150,000 yen is subtracted from 10,000 yen to make it 0 yen.

<Example of cooperation with the exceptional specific account system 74 due to the occurrence of an event of reduction or deletion of operation units, and the flow of processing of the event of reduction or deletion of operation units: FIGS. 21 and 24>

In FIG. 24, when an application for reduction or deletion of an operation port is made by online input during the daytime, the setting reception means 21 accepts the application and the event storage means 50 (see FIG. 8) is reduced or the operation port is deleted. Create a record for deletion (step S21). In the example of FIG. 21, applications are accepted and records are created on 6/1 (Thursday). It is assumed that the amount of reduction is 3 million yen and the asset amount of the investment unit is 10 million yen.

Subsequently, using the information of the event record of the reduction or operation port deletion stored in the event storage means 50 (see FIG. 8), the order management storage means is used by the event reflection means 25 in the nighttime batch processing on the application date. Create a record for order management of the event of the reduction or deletion of the operation unit in 55 (see FIG. 13), and in the created record, the event number for the event of the reduction or deletion of the operation unit and the operation unit for the target operation unit. The fund code (management unit identification information), the order date, the latest contract date, and the latest delivery date stored in the calculated date storage means 63 (see FIG. 18) at that time (these dates are examples of FIG. 21). Then, the data calculated by the nighttime batch processing on 5/31 (Wednesday), which is the previous business day), and the trading status (here, "the state where it is necessary to create the order data for sale") An order management process for storing order management information for each operation unit including the operation unit is executed (step S22 in FIG. 24). In the example of FIG. 21, the order date = 6/2 (Friday), the latest contract date = 6/5 (Monday), and the latest delivery date = 6/8 (Thursday). If, for example, 6/2 (Friday) is an overseas holiday, 6/5 (Monday) will be the order date, and the latest contract date will be. And the latest delivery date is also off.

After that, the order creation means 26 uses the order date in the order management record of the event of reduction or operation unit deletion stored in the order management storage means 55 (see FIG. 13), and the order date and the time of determination are determined. The date at the time of the determination, depending on whether or not the relationship with the date satisfies the predetermined order creation condition (in this embodiment, the order creation condition that the business day following the date at the time of determination corresponds to the order date). The order data creation timing determination process for determining whether to create order data or wait for creation is executed every business day after the event of reduction or deletion of operation unit occurs. Then, on the day when the above order creation conditions are satisfied, that is, on the business day before the order date, the reduction amount stored in the event storage means 50 (see FIG. 8) by the order creation means 26 in the case of a reduction event. In the case of an operation unit deletion event, create order data for sell orders for reduction or operation unit deletion events using the total quantity (total number of units) of all brands of the operation unit to be deleted, and store the order data. It is stored in the means 56 (see FIG. 14) (step S23 in FIG. 24). In the example of FIG. 21, since the order date = 6/2 (Friday), the above order creation condition is satisfied on 6/1 (Thursday), so that the order data of the sell order is set on 6/1 (Thursday). To create.

Subsequently, the order data linking means 29 buys and sells the order data stored in the order data storage means 56 (see FIG. 14) on the order date (the business day following the order data creation date) via the communication line 2. It is transmitted to the system 70 (step S24 in FIG. 24). In the example of FIG. 21, order data is transmitted (ordered) on 6/2 (Friday).

In the trading system 70, the investment trust uses the order data transmitted from the fund wrap system 10 via the communication line 2 by the trading processing means 71 and stored in the order data storage means 81 (see FIG. 1). The trading process (here, the selling process of the event of reduction or deletion of the investment unit) is executed, and the contract data is stored in the contract data storage means 82 (see FIG. 1). Further, the contract data linking means 72 transmits the contract data stored in the contract data storage means 82 (see FIG. 1) to the fund wrap system 10 via the communication line 2.

Then, the fund wrap system 10 receives the contract data transmitted from the trading system 70 via the communication line 2 and stores it in the contract data storage means (not shown) of the fund wrap system 10, and the contract processing means 30. , Acquires the contract data stored in the contract data storage means (not shown), and of the order data (order data having the same order number as the contract data) stored in the order data storage means 56 (see FIG. 14). The process of updating the status to "contracted" is executed, and the acquired contract data is used to create a record of the contracted sales transaction and store it in the book value total transaction storage means 58 (see FIG. 16). Is executed (step S25 in FIG. 24). At this time, the linked category is not linked (= 0).

Subsequently, the balance of the issue stored in the balance storage means 44 (see FIG. 4) by the amount of the contracted issue of the sell order acquired from the execution data storage means (not shown) by the asset management means 31. Along with executing the renewal process of reducing the quantity, the renewal process of increasing the monetary balance stored in the monetary balance storage means 45 (see FIG. 5) by the amount obtained from the sale is executed (step of FIG. 24). S26). In the example of FIG. 21, the balance quantity (contract base) stored in the balance storage means 44 (see FIG. 4) on 6/5 (Monday), which is the latest contract date, is 1, in the case of a reduction event. It will be reduced from 10 million yen by 3 million yen and updated to 7 million yen, and in the case of an operation port deletion event, it will be updated from 10 million yen to 0 yen. In addition, the money balance (contract base) stored in the money balance storage means 45 (see FIG. 5) is updated from 0 yen to 3 million yen in the case of a reduction event, and in the case of an operation port deletion event. It will be updated from 0 yen to 10 million yen.

After that, by the money transfer means 32, the reduction or the operation unit is deleted on the latest contract date stored in the record for order management of the event of the reduction or the operation unit deletion of the order management storage means 55 (see FIG. 13). A money transfer process and a money transfer statement creation process for the entire amount of money obtained by the sell order of the event and stored in the money balance storage means 45 (see FIG. 5) are executed (step S27 in FIG. 24). In the example of FIG. 21, the money balance (contract base) stored in the money balance storage means 45 (see FIG. 5) by the money transfer processing by the money transfer means 32 is 3 million yen to 0 in the case of a reduction event. It will be updated to yen (money transfer amount = 3 million yen), and in the case of an operation unit deletion event, it will be updated from 10 million yen to 0 yen (money transfer amount = 10 million yen). Therefore, the monetary balance (contract base) stored in the monetary balance storage means 45 (see Fig. 5) on 6/5 (Monday), which is the latest contract date, is 0 yen → 3 million yen in the case of a reduction event. → It changes to 0 yen, and in the case of an operation port deletion event, it changes from 0 yen → 10 million yen → 0 yen.

In the trading system 70, the trading system side money transfer means 73 receives the amount data (money transfer amount) transmitted from the fund wrap system 10 via the communication line 2, and transfers the amount to the customer's main account. The balance amount of the customer's main account stored in the main account monetary balance storage means 83 (see FIG. 1) is increased. In the example of FIG. 21, the balance update (contract base) of the main account accompanying this money transfer is set to 6/6 (Tuesday), which is the business day following the transmission date from the fund wrap system 10, but the transmission date. It may be 6/5 (Monday).

In addition, since the exception cooperation timing condition is satisfied on the latest contract date stored in the record for order management of the event of the reduction of the order management storage means 55 (see FIG. 13) or the deletion of the operation unit, it is included in the specific account. The information linking means 33 links the trading system 70 to the specific account system 74 (transmission of information including trading profit / loss). This cooperation is the process of step S3 performed when the exception cooperation timing condition is satisfied in step S1 in FIG. 22. In the example of FIG. 21, this cooperation will be performed on 6/5 (Monday). Then, the information including the trading profit / loss transmitted to the specific account system 74 of the trading system 70 is stored in the specific account inclusion information storage means 84 (see FIG. 1) on 6/5 (Monday).

Further, in the trading system 70, the business day following the latest contract date (6/5 (Monday) in the example of FIG. 21) of the sell order of the event of reduction or deletion of the operation unit (6/6 in the example of FIG. 21). (Tuesday)), the information including the trading profit and loss stored in the specific account inclusion information storage means 84 (see FIG. 1) and the information of the collection fee from the customer are used by the specific account inclusion means 75 of the specific account system 74. To calculate the withholding tax amount for a specific account. Then, withholding tax is used to reduce the amount of the customer's main account balance stored in the main account monetary balance storage means 83 (see FIG. 1) by using the withholding tax amount obtained by the specific account inclusion means 75. The processing is executed, but the reflection of this processing on the customer's main account on a contract basis is performed on the business day following the latest contract date (6/6 (Tuesday) in the example of FIG. 21). In the example of FIG. 21, the calculated withholding tax amount is 100,000 yen in the case of the reduction event and 200,000 yen in the case of the operation unit deletion event. In addition, on 6/6 (Tuesday), the balance amount (contract base) of the customer's main account stored in the main account money balance storage means 83 (see FIG. 1) will be transferred in the case of a reduction event. The withholding tax amount of 100,000 yen is subtracted from the 3 million yen increased in the above to 2.9 million yen, and in the case of the operation port deletion event, the withholding tax amount is increased from the 10 million yen increased by the money transfer process. 200,000 yen is subtracted to 9.8 million yen.

<Effect of this embodiment>

According to the present embodiment as described above, there are the following effects. That is, in the fund wrap system 10, the success or failure of the principle cooperation timing condition and the exception cooperation timing condition is determined every business day for each investment unit by the specific account inclusion information linkage means 33, and the withholding tax is calculated according to the determination result. The information including the trading profit / loss necessary for the trading system 70 is linked to the specific account system 74 of the trading system 70. Therefore, in principle, the linkage of information including trading profit / loss to the specific account system 74 by the specific account inclusion information linkage means 33 is performed once a year on the linkage setting date in December (in this embodiment, as an example). , December 13th business day), and if an event for reduction or deletion of the operation unit is applied for, it will be held on a day other than the cooperation setting date as an exception.

Then, in principle, when the cooperation timing condition is satisfied, the withholding amount equivalent amount calculated by the withholding tax preparation means 23 on the estimated amount calculation date (in this embodiment, as an example, the fifth business day of December). Money for tax collection is secured by selling orders for withholding events using the estimated amount. On the other hand, when the exception cooperation timing condition is satisfied, the money for tax collection is secured by the sell order of the event of reduction or deletion of the operation unit.

Therefore, unless at least one of the cooperation timing condition or the exception cooperation timing condition is satisfied, the information including the trading profit and loss is not linked to the specific account system 74, and the withholding tax is not calculated. There is no tax collection from the account. For this reason, in the conventional system, even if a transfer gain is generated in a sell order of an event where it is difficult to secure money for tax collection as in the rebalancing process shown in FIG. 25 described above, the transfer profit is transferred to the specific account system. It was a system design that is likely to generate advance payments because of the cooperation of the fund wrap system 10, but in the fund wrap system 10, when it is possible to secure money for tax collection, it is transferred to the specific account system 74. Since cooperation is performed, the risk of advance payment can be reduced.

Further, in the conventional system, as shown in FIG. 26 described above, even in the event of reduction or deletion of investment units that can secure money for tax collection, transfer profit / loss (trading profit / loss caused by sale transaction). Due to the difference between the timing of cooperation and the timing of money transfer, there was a possibility that advance payment would be generated, albeit temporarily. That is, if the timing of the transfer profit / loss linkage is earlier than the timing of the money transfer, there is a possibility that an advance payment will be temporarily generated during that time, and the advance payment will be canceled by the subsequent money transfer. In this way, due to the timing problem of system processing, advance payment is generated in the conventional system, in which profit and loss information is linked to a specific account system, withholding calculation, and tax collection from the main account are performed on a stock-by-stock basis. Because it was broken.

On the other hand, in the fund wrap system 10, when at least one of the principle linkage timing condition and the exception linkage timing condition is satisfied, it is stored in the book value total transaction storage means 58 (see FIG. 16) at that timing. Information including trading profit / loss for trading transactions (limited to trading transactions of a specific account) of the target investment unit whose linked category is not linked (= 0) is linked to the specific account system 74, so it is a brand unit. It is possible to realize the cooperation with the specific account system 74, which is collectively performed for each operation unit. Further, the money transfer process by the money transfer means 32 is performed on the cooperation setting date (in this embodiment, as an example, the 13th business day of December) that constitutes the cooperation timing condition, or the reduction or operation that constitutes the exception cooperation timing condition. Since it is executed on the latest contract date of the sell order of the event of deleting the unit, the money transfer process is executed at the same timing as the timing of linking the information including the trading profit / loss to the specific account system 74. Therefore, it is possible to avoid the generation of advance payment due to the problem of the timing of system processing as in the conventional system.

By reducing the risk of advance payments, financial institutions such as securities companies can avoid the trouble of confirming and verifying the occurrence of advance payments and notifying customers (investors) when advance payments occur. Alternatively, it can be reduced, and the customer can avoid or reduce the trouble of depositing insufficient funds by himself / herself into his / her main account opened in a financial institution such as a securities company.

In addition, the target transaction for which information including trading profit / loss is linked to the specific account system 74 is the book value total transaction storage means 58 (book value total transaction storage means 58) at the time of the above timing determination (principle linkage timing condition and exception linkage timing condition success / failure determination). Since the linked category stored in (Fig. 16) is not linked (= 0), it is a trading transaction (limited to the trading transaction of a specific account) of the target investment unit, so the transactions accumulated up to that point (previous time). All of the transactions (transactions accumulated between the time of cooperation and the time of this cooperation) can be targeted for cooperation. The transactions accumulated up to that point are transactions of various events involving sell orders such as regular receipts and donations. For this reason, while limiting the cooperation timing to the time when the cooperation timing condition and the exception cooperation timing condition are established in principle, it is possible to cooperate and collect taxes at the earliest possible time for transactions that can be linked at each time point.

Further, the fund wrap system 10 can reduce the risk of advance payment without adopting a system configuration in which a part of the contract money is applied to products that can be instantly cashed such as cash and MRF. For this reason, except for the fee collection, all the investment amount entrusted by the customer can be used for investment management, so investment management can be realized according to the investment policy requested by the customer, and an efficient service with a customer advantage. Can be provided.

Further, in the fund wrap system 10, the withholding tax preparation means 23 executes the withholding tax equivalent amount calculation process on the withholding tax calculation date (in the present embodiment, the fifth business day of December), and the cooperation setting date. (In the present embodiment, the 13th business day of December), the fixed amount calculation process of the withholding amount is executed, and the money transfer process is performed using these estimated amounts and fixed amounts by the money transfer means 32. , The minimum necessary funds for tax collection can be prepared at an appropriate time, and the funds can be effectively used to reduce the risk of advance payments.

More specifically, the calculation of the estimated withholding amount is different from the fixed amount calculation in that the accumulated amount of trading profits is not deducted from the accumulated amount of fees and that it is multiplied by a factor exceeding 100%. , A situation in which there is an unthinkable price increase of a stock between the estimated amount calculation date and the fixed amount calculation date (cooperation setting date), which causes a large amount of transfer gain in the withholding event sales order. As a general rule, the estimated amount of withholding tax will be larger than the fixed amount, so it is possible to realize a system configuration with a low risk of advance payment.

In addition, in the money transfer processing by the money transfer means 32 on the cooperation setting date (in this embodiment, the 13th business day of December), the fixed amount of the withholding tax amount is compared with the estimated amount, and the fixed amount is expected. When it is smaller than the amount, the fixed amount is used as the monetary transfer amount instead of the estimated amount secured in advance in the withholding event sales order, so unnecessary monetary transfer is not performed. Therefore, the money balance storage means 45 (see FIG. 5) of the fund wrap system 10 has a difference amount obtained by subtracting the fixed amount from the estimated amount. Therefore, the difference amount is purchased by collecting fees or rebalancing. When an attachment occurs, it can be assigned to them, and efficient operation can be realized.

<Form of deformation>

The present invention is not limited to the above-described embodiment, and modifications and the like within a range in which the object of the present invention can be achieved are included in the present invention.

For example, in the above embodiment, the fund wrap system 10 is connected to the trading system 70 by a communication line 2, but the fund wrap system of the present invention may be integrated with the trading system 70. .. That is, it may be constructed in the trading system 70. In this case, the cooperation with the specific account system 74 is the delivery of data within the integrated system.

As described above, the fund wrap system and the program of the present invention are suitable for use when the withholding calculation is performed by linking the information including the trading profit / loss generated from the trading of the investment trust to the specific account system.

10 Fund wrap system 23 Withholding preparation means 32 Money transfer means 33 Specific account inclusion information linkage means 45 Money balance storage means 50 Event storage means 51 Withholding event storage means 52 Withholding calculation result storage means 55 Order management storage means 57 Calculation fee Storage means 58 Book value total transaction storage means 74 Specific account system

Claims (3)

It is a fund wrap system consisting of a computer that executes processing to provide a fund wrap service that handles investment in investment trusts as a discretionary investment service that manages assets entrusted by customers in an investment style for each investment unit selected by the customer. hand,
An event that stores event classifications that indicate the types of various events, including reductions or deletion of operations with sell orders, event numbers that identify events, and information about other events in association with customer identification information and operation unit identification information. Memories and
An order management storage means that stores order management information for each operation unit, including an event number, an order date, and the latest execution date for an event for which order data is to be created, in association with customer identification information and operation unit identification information.
Information including trading profits and losses required for withholding tax calculation in the specific account system generated from the sales transaction of investment trusts, and the linked classification indicating whether or not the linkage to the specific account system has been completed, customer identification information and Book value total transaction storage means that is stored in association with investment unit identification information,
Withholding preparation means for executing withholding event generation processing that creates a record of the withholding event with a sell order to secure money for withholding and stores it in the withholding event storage means.
A specific account inclusion information linkage means that executes a process of transmitting information including a trading profit / loss about a trading transaction stored in the book value total transaction storage means to the specific account system.
It is equipped with a money transfer means that executes a money transfer process to transfer the money balance stored in the money balance storage means to the main account.
The specific account inclusion information linkage means is
For each operation unit, the success or failure of the cooperation timing condition that the judgment day corresponds to the predetermined cooperation setting date in December, and the event of reduction or deletion of the operation unit that occurred are the event storage means. Every business day, the success or failure of the exception cooperation timing condition that the judgment date corresponds to the latest contract date of the sell order of the reduction or operation unit deletion event stored in the order management storage means. If at least one of the principle cooperation timing condition or the exception cooperation timing condition is satisfied, the linked classification stored in the book value total transaction storage means is not linked. When the process of transmitting information including the trading profit / loss of the mouth sales transaction to the specific account system is executed and neither the principle cooperation timing condition nor the exception cooperation timing condition is satisfied, the specific account It is configured so that information including trading profits and losses is not transmitted to the system.
The money transfer means
On the latest execution date of the sell order of the event of reduction or deletion of the investment unit, the money transfer process is executed for the money obtained by the sell order of the event of reduction or deletion of the investment account and stored in the money balance storage means. And
Money for money obtained from the sell order of the withholding event and stored in the money balance storage means only when the money transfer process of the event of reduction or deletion of the operation unit is not performed on the cooperation setting date. It is configured to execute the transfer process,
The withholding tax preparation means is
A fund wrap system characterized in that the withholding event generation process is executed on a day before the cooperation setting date. The withholding tax preparation means is
When the estimated amount calculation date in December, which is set in advance to arrive before the cooperation setting date, comes, the purchase and sale of the current year's contract of the target investment unit stored in the book value total transaction storage means. By multiplying the estimated withholding amount obtained by multiplying the accumulated trading profit and loss of the transaction by the withholding tax rate and multiplying it by a factor exceeding 100%, the estimated amount of withholding tax is calculated and the calculated withholding tax is equivalent. Execute the estimated amount calculation process to store the estimated amount in the withholding calculation result storage means,
The target stored in the calculation fee storage means from the accumulated trading profit and loss for the current year's contracted trading transaction of the target investment unit stored in the book value total transaction storage means at the time when the cooperation setting date is reached. By multiplying the amount obtained by subtracting the cumulative amount of the current year's payment fee of the investment unit by the withholding tax rate, the fixed amount of the withholding tax amount is calculated, and the fixed amount of the calculated withholding tax amount is calculated as the withholding tax calculation result. It is configured to execute the fixed amount calculation process to be stored in the storage means.
The money transfer means
On the latest execution date of the sell order of the event of reduction or deletion of the investment unit, the money transfer process is executed for the money obtained by the sell order of the event of reduction or deletion of the investment account and stored in the money balance storage means. And
Equivalent to the withholding tax obtained from the sell order of the withholding tax event and stored in the withholding tax storage means only when the money transfer process of the event of reduction or deletion of the operation unit is not performed on the cooperation setting date. When executing the money transfer process for the money corresponding to the estimated amount, the fixed amount of the withholding tax equivalent amount stored in the withholding tax calculation result storage means is stored in the withholding tax calculation result storage means. When it is smaller than the estimated amount of withholding tax, the fixed amount of withholding tax is used as the monetary transfer amount, and the fixed amount of withholding tax stored in the withholding calculation result storage means is the withholding tax. A claim characterized in that when the withholding tax equivalent amount stored in the withholding calculation result storage means is equal to or greater than the withholding tax amount, the withholding tax amount is used as the monetary transfer amount. The fund wrap system described in 1. A program for operating a computer as the fund wrap system according to claim 1 or 2.

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