JP7591879B2 - Computer Programs - Google Patents

Description

The present invention relates to a computer program.

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

Patent Document 1 discloses a foreign exchange margin trading system. Figure 3 of Patent Document 1 shows an input screen at the stage of creating an order request for foreign exchange trading on a client terminal. This input screen displays the bid, which is the selling rate, and the ASK, which is the buying rate, and is capable of accepting not only the quantity but also various other settings related to the order.

JP 2014-222389 A

An expert with extensive knowledge of foreign exchange margin trading may be able to fully understand and place an order even on an input screen packed with various pieces of information such as that shown in FIG. 3 of Patent Document 1. However, it is difficult for a beginner in foreign exchange margin trading to immediately understand such an input screen.

The present invention was made in consideration of these problems, and its purpose is to provide technology that simplifies the mechanism of virtual foreign exchange margin trading, allowing even beginners to easily start foreign exchange margin trading.

One aspect of the present invention relates to a computer program for causing a terminal to realize a function of displaying on a display an acceptance screen for accepting new orders based on information received via a network from a server that realizes virtual foreign exchange margin trading, the acceptance screen displays a common rate for buying and selling a selected currency pair, and has an area for inputting the amount of electronic value to be invested, an area for setting a profit lock-in condition with the amount of electronic value, and an area for setting a stop-loss condition with the amount of electronic value, and one unit of one currency of the currency pair corresponds to a predetermined amount of the electronic value .

In addition, any combination of the above components, or mutual substitution of the components or expressions of the present invention between devices, methods, systems, recording media storing computer programs, etc., are also valid aspects of the present invention.

According to the present invention, by simplifying the mechanism of virtual foreign exchange margin trading, even beginners can easily start foreign exchange margin trading.

1 is a schematic diagram showing a configuration of a point investment system according to an embodiment; FIG. 2 is a hardware configuration diagram of the investment server of FIG. 1. 2 is a block diagram showing the functions and configuration of the investment server of FIG. 1. 4 is a data structure diagram showing an example of a user information storage unit in FIG. 3 . FIG. 13 is a schematic diagram showing an example of the relationship between investment points and prizes in a point investment service. 4 is a data structure diagram showing an example of the prize information storage unit of FIG. 3. 2 is a flowchart showing the flow of a series of processes in the investment server of FIG. 1 . FIG. 4 is a representative screen diagram of a login screen displayed on the display of the mobile terminal. FIG. 2 is a representative screen diagram of a home screen displayed on a display of a mobile terminal. FIG. 11 is a representative screen diagram of a conversion screen displayed on a display of a mobile terminal. FIG. 13 is a representative screen diagram of an investment target selection screen displayed on the display of a mobile terminal. FIG. 13 is a representative screen diagram of a new order acceptance screen displayed on the display of a mobile terminal. FIG. 13 is a representative screen diagram of an ownership status display screen displayed on a display of a mobile terminal. FIG. 13 is a representative screen diagram of a progress payment acceptance screen displayed on the display of a mobile terminal. A representative screen diagram of a prize exchange screen displayed on the display of a mobile terminal. A representative screen diagram of a prize application screen displayed on the display of a mobile terminal. FIG. 13 is a diagram showing a table summarizing the presence or absence of slippage in the embodiment. FIG. 13 is a schematic diagram showing an example of a relationship between investment points and prizes in a modified example. FIG. 13 is a schematic diagram illustrating a scheme using multiple investment points according to a modified example. FIG. 11 is a representative screen diagram of a goal setting screen displayed on the display of the mobile terminal. FIG. 2 is a representative screen diagram of a home screen displayed on a display of a mobile terminal. FIG. 13 is a representative screen diagram of a home screen in which a profit determination condition setting dialogue is displayed. FIG. 13 is a representative screen diagram of a home screen in which a stop loss condition setting dialogue is displayed. FIG. 13 is a representative screen diagram of a graphical new order acceptance screen displayed on the display of a mobile terminal. FIG. 13 is a representative screen diagram showing the graphical new order acceptance screen in a state after the stop loss condition change object has been dragged upward a predetermined distance. FIG. 13 is a representative screen diagram showing the graphical new order acceptance screen in the state after the rate has been changed.

In the following, identical or equivalent components, parts, and processes shown in each drawing will be given the same reference numerals, and duplicate explanations will be omitted where appropriate. In addition, some parts that are not important for the explanation will be omitted in each drawing.

In the point investment system according to the embodiment, points acquired in various situations are converted into investment points for investment, and the investment points acquired are managed through investments such as FX (Foreign Exchange). In particular, the investment points can be exchanged for prizes whose value changes in a stepped manner. For example, the range of investment points from 10,000 points (hereinafter referred to as pt) to 11,999 pt has the "same value" in that it can be exchanged for the same prize A, and from 12,000 pt to 13,999 pt also has the "same value" in that it can be exchanged for another, better prize B. This allows the user to set the profit target at the very bottom of the step corresponding to the prize they want. Also, the user can set the stop loss target at the very bottom of the step corresponding to the prize they want to secure at the very least. In the above example of prizes A and B, if the user wants to at least secure prize A but also wants to aim for prize B through investment, the user can easily understand that they can set the profit target at 12,000 pts and the stop loss target at 10,000 pts. In this way, the point investment system according to this embodiment makes it easier for users to make investment decisions, lowering the barrier to investment.

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

The investment server 10 is a server that realizes virtual FX. The investment server 10 manages the earned points and investment points of users who use the point investment service provided by the point investment system 2. The earned points are points that the user has earned in the point investment service or other loyalty programs, point services, mileage programs, etc. The earned points can be exchanged for prizes (e.g., products or services) at a predetermined rate as determined by the issuer. The investment points are points that can be invested in the virtual FX provided by the point investment service. The investment points can be exchanged for prizes whose value changes in a stepped manner as determined by the issuer, i.e., the provider of the point investment service.

In this specification, investment in a virtual investment target is referred to as virtual investment or virtual investment. Virtual investment is a form of investment that uses data processing to make it appear to the user as if they are trading financial products, without generating any actual financial product buying and selling, trading, or transfer of rights. Virtual investment is relatively easy to implement because it does not involve the buying and selling of actual financial products.

Acquisition points are different from investment points. For example, the entity that issues the acquisition points may be different from the entity that issues the investment points. In the above example, the entity that issues the investment points is the provider of the point investment service, while the acquisition points may be issued by an entity other than the provider, such as a loyalty program provider. In addition, the manner in which the acquisition points are exchanged for prizes is different from the manner in which the investment points are exchanged for prizes. For example, the acquisition points may be usable at physical stores, while the investment points may be used only for exchange for prizes. The range of prizes that can be exchanged for the acquisition points may be wider than the range of prizes that can be exchanged for the investment points, or vice versa. The exchange rate of the acquisition points for prizes may be more advantageous to the user than the exchange rate of the investment points for prizes, or vice versa. The exchange rate from the acquisition points to the investment points and the exchange rate from the investment points to the acquisition points may be equivalent or different. When promoting conversion to investment points, the exchange rate from the acquisition points to the investment points may be set to be more advantageous than the exchange rate from the investment points to the acquisition points. Alternatively, if the expiration date of points is to be maintained, acquired points can be converted into investment points, but if the expiration date is to be extended, the conversion can be made irreversible. Alternatively, if prizes are narrowed down, the conversion from acquired points to investment points can be made irreversible. Alternatively, the conversion from acquired points to investment points can simply be made irreversible.

The information distribution server 8 distributes information necessary for the investment server 10 to process the virtual investment via the network 6 to the investment server 10. The information distributed by the information distribution server 8 includes the Nikkei average stock price and the stock price of a specific company if the virtual investment target is stocks, and includes exchange rates (Ask, Bid) if the virtual investment target is FX. The information distribution server 8 may be a server installed at an exchange. Below, the case where the virtual investment target is FX will be explained, but it will be clear to those skilled in the art who have read this specification that similar explanations apply to other investment targets.

The mobile terminal 4 is a mobile terminal of a user who uses the point investment service, and may be, for example, a smartphone, a tablet terminal, or a laptop PC. The user downloads and installs a point investment application program (hereinafter referred to as a point investment app) from a download site via the network 6 onto the mobile terminal 4. Alternatively, the point investment app may be pre-installed on the mobile terminal 4. The point investment app is provided by a provider of the point investment service. When the point investment app is executed by the mobile terminal 4, the mobile terminal 4 realizes various functions.

Figure 2 is a hardware configuration diagram of the investment server 10 in Figure 1. The investment server 10 comprises a memory 102, a processor 104, a communication interface 106, a display 108, and an input interface 110. Each of these elements is connected to a bus 112 and communicates with each other via the bus 112.

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

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

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

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

In the example of FIG. 4, user "A0001" currently has "25000pt" of earned points, has "1500pt" of investment points available for FX investment (not yet invested), and has a "buy" position for "USD" "100" currency. The contract rate when the buy position was established was "100.00pt/USD", and therefore the investment trust points invested when the buy position was established were "10000pt". Furthermore, it is shown that the multiplier specified when the buy position was established was "1x", and that there was a specification that profits would be locked in if a profit of "500pt" was made and losses would be cut if a loss of "300pt" was incurred. Due to the automatic limit and stop-loss setting function described later, the limit price is set to "105.00pt/USD" for a profit of "500pt", and the stop-loss price is set to "97.00pt/USD" for a loss of "300pt".

Figure 5 is a schematic diagram showing an example of the relationship between investment points and prizes in a point investment service. In a point investment service, investment points can be exchanged for prizes of a predetermined attribute or type. In the example of Figure 5, investment points can be exchanged for prizes related to leisure/travel. In this example, since investment points have no other use than exchanging them for prizes related to leisure/travel, the investment points correspond to the type of prize called leisure/travel. In other examples, investment points may correspond to other types of prizes, such as home appliances and food.

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

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

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

In the point investment service realized by the point investment system 2, earned points can be freely converted into investment points, and vice versa, that is, investment points can be freely converted into earned points. In other embodiments, the conversion of investment points into earned points is not anticipated and may not be implemented.

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

The investment instruction receiving unit 126 acquires the actual Ask and Bid for currency pairs between the Japanese yen (JPY) and other currencies from the information distribution server 8 via the network 6. In this embodiment, one of the tradable currency pairs is fixed to JPY. The investment instruction receiving unit 126 calculates Mid, which is the rate between the acquired actual Ask and Bid, for each currency pair. For example, Mid may be the average rate of the Ask and Bid, or may be a rate obtained by a predetermined weighted average. The investment instruction receiving unit 126 may receive the calculated Mid from the information distribution server 8.

In this embodiment, the concept of Ask and Bid in FX is eliminated, and instead, the mid-rate, Mid, is adopted. The Mid rate, which is common to both buying and selling, is used for buying and selling currency pairs. In this embodiment, it is set at 1 unit of JPY (1 yen) = 1 investment point. For example, if the Mid rate for USD/JPY is 103.57 yen/dollar, this indicates that 1 dollar can be purchased for 103.57 pt, and that 1 dollar can be obtained by selling 103.57 pt. Other settings for the relationship between JPY and investment points are also possible.

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

The new order instruction contains the following information:
● Currency to be traded (USD, EUR, GBP, etc.)
● Position to be opened (buy/sell)
● Number of investment points to be traded ● Investment multiplier (x1, x3, x10, etc.)
●Profit realization condition, i.e., the increase in investment points that must be increased to realise profits●Loss cut condition, i.e., the decrease in investment points that must be decreased to cut losses.

The virtual investment processing unit 128 executes the new order at the actual Mid at that time, which may differ from the Mid displayed on the new order reception screen 504, in response to the new order instruction received by the investment instruction reception unit 126. If the number of investment points to be traded is A and the actual Mid is R, the virtual investment processing unit 128 sets A/R as the contracted transaction currency amount T (T=A/R). If the Mid displayed on the new order reception screen 504 is S, R may become ≠ S due to a time lag. In this case, the user places a new order expecting T'=A/S, but the transaction is actually executed at T=A/R, resulting in a transaction result different from the user's expectation. This is called the exchange rate "slippage." In this embodiment, the exchange rate slippage is allowed at the time of a new order, but the exchange rate is treated as not slipping at the time of settlement, which will be described later. Since the transactions in this embodiment are virtual FX transactions, unlike actual transactions, the system can arbitrarily set whether or not the exchange rate will slip.

The virtual investment processing unit 128 sets the limit price for the new order based on the contracted transaction currency amount T, the profit fixing condition, the actual Mid (R) at the time of contract, and the investment multiplier. If the increase in the investment points included in the profit fixing condition is ΔI, the limit price to be set is Q, and the investment multiplier is N, the virtual investment processing unit 128 calculates the following for the buy position:
Q=R+ΔI/(T×N)
The limit price Q is set by the above formula: ΔI = (Q - R) x T x N
The virtual investment processing unit 128 calculates the following for a short position:
Q=R-ΔI/(T×N)
The limit price Q is set by the above formula: ΔI = (R-Q) x T x N
is derived from

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

The above-mentioned limit price and stop-loss automatic setting function will be explained using an example. Suppose that when the Mid displayed on the new order acceptance screen 504 is 100.00 pt/USD, the user places an order to set up a buy position specifying 100,000 pt. The user expects a buy position of 1,000 USD to be set up, but as the Mid slips to 101.01 pt/USD, a buy position of 100,000/101.01 ≒ 990 USD is actually set up. If the user now specifies 5,000 pt as the increase in investment points for locking in profits and x1 as the investment multiplier, the limit price will be
101.01(pt/USD)+5000(pt)/(990(USD)×1)
≒106.06 (pt/USD)
If the user specifies 3000pt as the investment point reduction for stop loss and x1 as the investment multiplier, the stop loss is
101.01 (pt/USD) - 3000 (pt)/(990 (USD) x 1)
≒97.98 (pt/USD)
is calculated and set automatically.

If the exchange rate does not slip, a buying position of 1,000 USD will be established as expected by the user, so the limit price will be 105.00 pt/USD for the profit-taking line of 5,000 pt, and the stop price will be 97.00 pt/USD for the stop-loss line of 3,000 pt. Therefore, the limit price and stop price set automatically above will differ from the limit price and stop price that the user expects from the Mid displayed. However, if profits are taken at the limit price set automatically above, 106.06 (pt/USD) x 990 (USD) ≒ 105,000 (pt), and the increase in investment points (= 5,000 pt) specified by the user will be realized. Similarly, if a stop loss is set using the automatically set stop loss as above, 97.98 (pt/USD) x 990 (USD) ≒ 97,000 (pt), which means the reduction in investment points (= 3,000 pt) specified by the user is achieved.

In this embodiment, for new orders, the number of investment points to be traded is fixed, and slippage in the exchange rate is absorbed by fluctuations in the contracted trading currency amount. Alternatively, an embodiment can be considered in which the trading currency amount is fixed, and slippage in the exchange rate is absorbed by fluctuations in the number of investment points. In this case, using the same premise as the above example, a buy position of 1000 USD is opened using 101010 pt. For a profit-taking line of 5000 pt, the limit price is 101.01 + 5000/1000 = 106.01 pt/USD, and for a stop loss line of 3000 pt, the stop price is 101.01 - 3000/1000 = 98.01 pt/USD. If profits are locked in with this limit order, the result will be 106.01 (pt/USD) x 1000 (USD) ≒ 106,010 (pt), which deviates from the increase amount specified by the user (106,010 - 105,000 = 1,010). Similarly, if losses are cut with the above stop order, the result will be 98.01 (pt/USD) x 1000 (USD) = 98,010 (pt), which deviates from the decrease amount specified by the user (98,010 - 97,000 = 1,010).

In this way, if the slippage in the exchange rate is absorbed by the fluctuation in the number of investment points, the increase or decrease in the investment points when profit lock-in or loss cut-off occurs will be different from what the user expected. In this embodiment, the value of the prize changes in a stepped manner, so such an unexpected result is not desirable for the user. This is because users often set the profit lock-in line and loss cut-off line at the very limit. In contrast, if the number of investment points to be traded is fixed, the slippage in the exchange rate is reflected in the amount of trading currency obtained as a result of the agreement, and limit and stop orders are then automatically set, the increase or decrease in the investment points when profit lock-in or loss cut-off occurs will be as the user expected. Therefore, automatic limit and stop order setting is realized that is more suitable for the point investment system 2 in which the value of the prize changes in a stepped manner.

The virtual investment processing unit 128 monitors the Mid, and when the profit taking execution condition of a position for which a profit taking condition is set is met, the position is settled (closed) at the limit price set. For example, for a buy position, the profit taking execution condition is met when the Mid exceeds the limit price, in which case the position is settled at the limit price itself, not the actual Mid that exceeds the limit price. For example, for a sell position, the profit taking execution condition is met when the Mid falls below the limit price, and in this case too the position is settled at the limit price itself, not the actual Mid that falls below the limit price.

The virtual investment processing unit 128 monitors the Mid, and when the stop loss execution condition of a position for which a stop loss condition is set is met, the position is settled at the set stop loss. For example, for a buy position, the stop loss execution condition is met when the Mid falls below the stop loss, in which case the position is settled at the stop loss itself, not the actual Mid that fell below the stop loss. For example, for a sell position, the stop loss execution condition is met when the Mid exceeds the stop loss, in which case the position is settled at the stop loss itself, not the actual Mid that exceeded the stop loss.

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

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

The operation of the investment server 10 configured as above will now be described.
Fig. 7 is a flow chart showing a series of processing steps in the investment server 10 of Fig. 1. The investment server 10 receives a request to convert acquired points into investment points (S702). Based on the received request, the investment server 10 executes a process to convert acquired points into investment points (S704). The investment server 10 registers the result of the conversion in the user information storage unit 134.

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

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

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

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

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

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

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

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

When the mobile terminal 4 detects a tap on the new order button 528 on the home screen 500, it displays on the display 40 an investment target selection screen 544 for selecting a currency pair for placing a new order. FIG. 11 is a representative screen diagram of the investment target selection screen 544 displayed on the display 40 of the mobile terminal 4. The investment target selection screen 544 has the number of uninvested investment points 546 owned by the user and multiple investment target objects 548, 549, 550. In this embodiment, as described above, one of the selectable currency pairs is fixed to JPY, and the investment target selection screen 544 displays an image of the other currency pair. Each investment target object displays JPY, the image and name of the currency that constitutes the currency pair, the Mid of the currency, the time, and the highest and lowest prices of the day. For example, the first investment object 548 corresponds to the US dollar (USD) (currency pair is USD/JPY), the second investment object 549 corresponds to the euro (EUR) (currency pair is EUR/JPY), and the third investment object 550 corresponds to the British pound (GBP) (currency pair is GBP/JPY).

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

The new order acceptance screen 504 is configured to allow the investment multiplier to be set for each new order. The new order input/display area 558 has an order type designation area 566 that accepts the designation of the type of order, a number of points input area 568 that accepts input of the number of investment points to be traded, and an investment multiplier input area 570 that accepts input of the investment multiplier. In the order type designation area 566, the user selects the position to be opened from "Sell" or "Buy", and inputs the number of investment points to be invested in the number of points input area 568. This input may be done by directly inputting the numbers, or by using the "+" and "-" buttons on the left and right of the number of points input area 568. Similarly, the user inputs the investment multiplier in the investment multiplier input area 570.

The new order acceptance screen 504 has an area for setting the profit lock condition by the number of investment points, and an area for setting the loss cut condition by the number of investment points. The goal input/display area 560 has an increase number input area 572 for receiving input of the increase number of investment points related to the profit lock condition, a decrease number input area 574 for receiving input of the decrease number of investment points related to the loss cut condition, a provisional limit price 576, and a provisional stop-loss price 578. The user inputs the increase number of investment points that the user thinks will be allowed to lock in the profit in the increase number input area 572, and inputs the decrease number of investment points that the user thinks will be allowed to cut losses in the decrease number input area 574. When a value is input in the increase number input area 572, the corresponding limit price is calculated based on the Mid displayed in the status display area 554, and is displayed in the provisional limit price 576. When a value is input in the decrease number input area 574, the corresponding stop-loss price is calculated based on the Mid displayed in the status display area 554, and is displayed in the provisional stop-loss price 578. The total points planned display area 562 displays the number of investment points that will be made if the profit confirmation conditions are met.

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

When the mobile device 4 detects a tap on the Check Holdings/Settlement button 530 on the home screen 500, it displays a holdings display screen 580 on the display 40. FIG. 13 is a representative screen diagram of the holdings display screen 580 displayed on the display 40 of the mobile device 4. The holdings display screen 580 has an investing object 588 corresponding to the position being invested in. The investing object 588 displays the name of the currency being invested in, the amount of currency being held, the type of position, the current Mid, and a market settlement button 590.

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

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

When the mobile terminal 4 detects a tap on any of the selectable prize objects included in the prize exchange screen 602, it displays a prize application screen 612 on the display 40. FIG. 16 is a representative screen diagram of the prize application screen 612 displayed on the display 40 of the mobile terminal 4. The prize application screen 612 displays the prize object tapped on the prize exchange screen 602, i.e., the name 614 of the prize object of the prize selected by the user, a details display area 616 showing the change in investment points when the prize is exchanged, and a yes/no button 618. When the mobile terminal 4 detects a tap on the yes button of the yes/no button 618, it generates an exchange instruction that specifies the prize displayed on the prize application screen 612 as the prize to be exchanged, and transmits the instruction to the investment server 10 via the network 6.

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

According to the point investment system 2 of this embodiment, the new order acceptance screen 504 displays Mid, which is a common rate for buying and selling the currency pair selected by the user, and buying and selling of currency with investment points is also done at the common Mid. In conventional FX, Ask and Bid are used, which can be difficult for beginners to understand, but in this embodiment, there is only one type of rate, so (virtual) FX that is easy for beginners to understand is realized. It is not necessary to set a transaction fee, which makes it difficult to calculate wins and losses.

In addition, in the point investment system 2 according to this embodiment, one of the currency pairs is fixed to JPY, and the image of JPY and the other currency constituting the currency pair is displayed on the investment target selection screen 544 to allow the user to make a selection. In conventional FX, pairs of unfamiliar currencies can also be selected, which is difficult for beginners to understand and can cause confusion, but in this embodiment, one of the currency pairs is fixed to the familiar JPY, thereby realizing a (virtual) FX that is easy for beginners to understand. Note that while the familiar currency in Japan is JPY, if this embodiment is implemented in another country, the currency of that country may be used as the fixed currency instead of JPY. For example, in the United States, one of the currency pairs may be fixed to USD.

In addition, in the point investment system 2 according to this embodiment, instead of setting leverage, the concept of a simple investment multiplier is introduced, and the investment multiplier can be set for each new order on the new order acceptance screen 504. This eliminates the need for complex calculations such as margin, and also makes it possible to abolish margin maintenance rates and margin calls. As a result, a (virtual) FX that is easy to understand even for beginners is realized. Note that it is also possible to prevent investment points from becoming negative by setting a forced stop loss when the investment points reach 0.

Figure 17 shows a table summarizing the presence or absence of slippage in this embodiment.

In the point investment system 2 according to this embodiment, in order to ensure that the user can exchange points for the prize they expect at the time of settlement, a mechanism is used to guarantee that there is no slippage in the exchange rate for all of the following: taking profits, cutting losses, and market settlement. Without this mechanism, a situation may occur where the user is unable to exchange points for the target prize because they are, for example, one point short of expected points due to slippage in the exchange rate. In this embodiment, not only is there no slippage for all settlement types, but the settlement rate is as expected by the user, making it possible to realize easy-to-understand UX.

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

Arbitrage is a type of fraudulent trading in which you look at the rates of both broker A, who updates rates quickly, and broker B, who updates rates slowly, and then place a buy order with broker B when broker A's rate goes up and broker B's rate remains stationary, or place a sell order with broker B when broker A's rate goes down and broker B's rate remains stationary.

In addition, in the point investment system 2 according to this embodiment, prizes and a range of investment points are associated, so the user sets the number of points at which to lock in profits and the number of points at which to cut losses, keeping in mind a clear investment point target, for example the lower limit of the range of prizes that the user desires. For example, if the user currently has 4,500 pts and can exchange 5,000 pts for a prize that the user desires, the user clearly envisions 500 pts as the profit lock line. In the point investment system 2 according to this embodiment, the profit lock conditions and the loss cut conditions can be specified by the number of points, which eliminates the need to reverse-calculate the exchange rate from the target increase or decrease in investment points compared to specifying the exchange rate. Furthermore, even if the exchange rate slips when a new order is placed, limit orders and stop orders are automatically set to achieve the specified profit lock conditions and loss cut conditions, further reducing the user's calculation burden.

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

In the embodiment, a case where points are acquired and invested has been described, but the technical idea of the embodiment can be applied to any electronic value other than points, such as coupons, miles, coins, and chips. Electronic value may be defined as anything in which monetary value, such as a monetary amount, is electronically written or recorded, and does not fall under the category of prepaid payment instruments as defined by the Law Concerning Settlement of Funds.

In the embodiment, the investment server 10 executes virtual investments, but this is not limited to this, and the investment server 10 may also perform processing to execute actual investments such as actual stock trading or foreign exchange trading.

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

In the embodiment, the case where the remaining investment points (fractions) after exchanging them for prizes are returned to the user has been described, but this is not limited thereto. For example, in the prize exchange process, the fractions of the investment points after exchanging them for prizes may not be returned to the user. In this case, for example, even if 11,500 pt is exchanged for a prize corresponding to the range of "10,000 pt to 11,999 pt", 11,500 pt - 10,000 pt = 1,500 pt will not be returned. In this system, 10,000 pt, 11,000 pt, 11,500 pt, and 11,999 pt all have exactly the same value in the sense that they are exchanged for the same prize and disappear. Alternatively, in the prize exchange process, if a fraction (e.g., 0.5 pt or 0.1 pt) smaller than the smallest unit of investment points (e.g., 1 pt) occurs, it may be rounded down.

In the embodiment, the case where the investment points can be exchanged for a certain type of prize has been described, but this is not limited thereto, and multiple investment points may be provided for different purposes or different types of prizes. FIG. 19 is a schematic diagram illustrating a scheme using multiple investment points according to a modified example. In this modified example, the acquired points can be irreversibly converted into three types of investment points: investment points for leisure, investment points for home appliances, and investment points for food. The point investment system according to the modified example is configured to manage the investment points for leisure, investment points for home appliances, and investment points for food independently. The investment points for leisure can be exchanged for leisure-related prizes, the investment points for home appliances can be exchanged for home appliances, and the investment points for food can be exchanged for food-related prizes, but each investment point cannot be exchanged for prizes of a different category. The management and exchange of the investment points for leisure, investment points for home appliances, and investment points for food into prizes is realized by a mechanism similar to that of the embodiment.

In the modified example of FIG. 19, the acquired points are converted into various investment points, each of which is increased through investment, and the increased investment points are exchanged for the corresponding types of prizes. The relationship between acquired points, investment points, and prizes is not limited to this, and for example, acquired points may be converted into investment points, the investment points increased through investment, and after increasing, the investment points may be converted back into acquired points and exchanged for prizes. Alternatively, acquired points may be converted into investment points, the investment points increased through investment, and the increased investment points and acquired points may be combined and exchanged for prizes.

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

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

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

When the user taps the profit determination condition setting object 822, the mobile terminal 4 accepts it as a user instruction to set a target for profit determination, and displays a profit determination condition setting dialog 844 on the front of the home screen 814 in response to the accepted instruction. FIG. 22 is a representative screen diagram of the home screen 814 in a state in which the profit determination condition setting dialog 844 is displayed. The profit determination condition setting dialog 844 makes it possible to specify a profit determination condition that is a condition that the total investment points must satisfy in order to determine a profit. The profit determination condition setting dialog 844 has a profit determination point input area 846 and a setting button 848. The user inputs the number of profit determination points that will be determined if the total investment points reach or exceed that value in the profit determination point input area 846, and taps the setting button 848. The mobile terminal 4 reflects the profit determination point number set in the profit determination condition setting dialog 844 as a new target point number in the goal display area 816 and the achievement display bar area 818 of the home screen 814. The investment server 10 acquires and holds the number of profit acquisition points set in the profit acquisition condition setting dialog 844 via the network 6, and when the user's total investment points reach or exceed the acquired number of profit acquisition points, at that point, all of the different positions held by the user related to the goal are settled.

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

In the modified examples shown in Figures 20 to 23, each of the different positions held by the user in relation to the goal may have individual profit taking and/or stop loss conditions. In this case, the positions may be settled when the profit taking and stop loss conditions for the total investment points and the profit taking and stop loss conditions for the individual positions are satisfied. Alternatively, the positions may be designed so that when the profit taking and stop loss conditions for the total investment points are set, the profit taking and stop loss conditions for the individual positions are ignored.

In the new order acceptance screen 504 of FIG. 12, the profit taking condition and the stop loss condition are specified by the number of points to be increased and the number of points to be decreased, respectively. In contrast, in the modified examples shown in FIG. 20 to FIG. 23, both the profit taking condition and the stop loss condition are configured to be specified by the total number of points. This makes it easy for the user to directly compare the number of points set as a goal with the number of points required for the prize they want, improving user convenience in setting goals. Note that in the modified examples shown in FIG. 20 to FIG. 23, the profit taking condition and the stop loss condition may be specified by the number of points to be increased and the number of points to be decreased, respectively, as in the example of FIG. 12.

In the embodiment, a case has been described in which various parameters related to a new order are accepted from a user on the new order acceptance screen 504 in FIG. 12, but this is not limiting, and for example, parameters for a new order may be input or specified directly on a chart showing price movements. FIG. 24 is a representative screen diagram of a graphical new order acceptance screen 856 displayed on the display 40 of the mobile terminal 4. For example, an object that serves as a traffic line to the graphical new order acceptance screen 856 may be provided on the new order acceptance screen 504 in FIG. 12, and the graphical new order acceptance screen 856 may be displayed when the object is tapped. The graphical new order acceptance screen 856 has a chart 872 showing the price movement (or Mid movement) of the selected currency pair, an investment rate input area 858 for receiving input of the investment rate, an increase number input area 860 for receiving input of the increase number of investment points related to the profit taking condition, a decrease number input area 862 for receiving input of the decrease number of investment points related to the stop loss condition, a profit taking condition change object 864, a stop loss condition change object 866, a profit taking line 868, a stop loss line 870, a profit taking rate 874, and a stop loss rate 876. The chart 872 may be composed of daily, minute, second, weekly, monthly, yearly, etc.

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

If the user wishes to change the profit determination rate, the user drags the profit determination condition change object 864 by the desired distance in either the up or down direction. The mobile device 4 recalculates the number of increased points that would be obtained if a profit were determined at the rate corresponding to the position of the profit determination condition change object 864 after being moved in this way, and updates the display of the increase number input area 860 with the calculation result.

If the user wishes to change the stop loss rate, the user drags the stop loss condition change object 866 by the desired distance in either the up or down direction. The mobile device 4 recalculates the number of points to be reduced when a stop loss is performed at the rate corresponding to the position of the stop loss condition change object 866 after being moved in this way, and updates the display of the reduction number input area 862 with the calculation result.

Figure 25 is a representative screen image showing the graphical new order acceptance screen 856 in the state after the stop loss condition change object 866 has been dragged upward a specified distance. The number of points to be reduced is recalculated in response to the change in the stop loss rate, and the recalculation result is reflected in the reduction number input area 862. Specifically, as a result of moving the stop loss rate upward from the state in Figure 24, the number of points to be reduced when a stop loss occurs is updated from "-3000" to "-1000".

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

Figure 26 is a representative screen diagram showing the graphical new order acceptance screen 856 in the state after the magnification has been changed. The profit confirmation rate and stop loss rate are recalculated in response to the change in the magnification, and the display of the profit confirmation line 868, profit confirmation rate 874, stop loss line 870, and stop loss rate 876 are updated based on the recalculation results. Specifically, as a result of changing the magnification from "x10" in Figure 24 to "x20", the profit confirmation rate decreases and the stop loss rate increases for the same number of increase points and decrease points, and the distance between the profit confirmation line 868 and stop loss line 870 in the state of Figure 26 becomes narrower than in the state of Figure 24.

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

Claims (4)

A computer program for causing a terminal to realize a function of displaying an order acceptance screen on a display based on information received via a network from a server that realizes virtual foreign exchange margin trading, comprising:
The reception screen displays a common rate for buying and selling the selected currency pair, and has an area for inputting the amount of electronic value to be invested, an area for setting a profit lock-in condition in terms of the amount of electronic value, and an area for setting a stop-loss condition in terms of the amount of electronic value, and a computer program in which one unit of one of the currencies of the currency pair corresponds to a predetermined amount of the electronic value . The computer program of claim 1, wherein the common rate displayed on the screen is set to a value between the actual ask and bid of the selected currency pair. The terminal further realizes a function of displaying on the display a selection screen for selecting a currency pair for which a new order is to be placed;
3. The computer program according to claim 1, wherein one currency of a currency pair selectable on the selection screen is fixed, and an image of the other currency pair is displayed on the selection screen. The computer program according to any one of claims 1 to 3, wherein the reception screen is configured to allow the investment multiplier to be set for each new order.

Images