JP7684927B2 - Information processing device, information processing method, and information processing program - Google Patents

Description

The present invention relates to an information processing device, an information processing method, and an information processing program.

A technique has been disclosed that records the sale proceeds as a postdated deposit in an account and uses the postdated deposit to purchase securities, etc. before the actual deposit is made.

JP 2002-169964 A

However, the above conventional technology merely allows a deposit account to accept future deposits, and when a depositor places an order to buy securities, the future deposit is used to purchase the securities before the actual deposit. Normally, when selling a financial product such as an investment trust (fund), the payment is made two business days (e.g., four days) after the date of sale (contract date) or on a delivery date thereafter, which is inconvenient for the user (customer). In particular, in the case of an investment trust, the unit price is sometimes determined around 6 p.m. on the day, and in the past, it was not considered to make an immediate payment (advance payment) of the cancellation fee on the day of cancellation application. It is desirable to solve such problems and make it possible to pay at least a portion of the cancellation fee to the user before the usual delivery date (e.g., on the same day).

This application has been made in consideration of the above, and aims to pay at least a portion of the proceeds from the sale of a financial product to the user prior to the normal delivery date.

The information processing device according to the present application is an information processing device managed by a financial institution involved in the buying and selling of financial products, and includes: a reception unit that receives an application to sell the financial product from a user who holds the financial product; a calculation unit that, in response to the application to sell the financial product, calculates a provisional sale price based on the unit price of the financial product before the date of delivery of the sale price, and then calculates a formal sale price of the financial product; and a payment processing unit that pays in advance to the user a specified amount based on the provisional sale price before the date of delivery of the sale price, and then pays the user the difference between the formal sale price and the specified amount, wherein the calculation unit calculates the provisional sale price on the date of the application to sell the financial product based on the unit price up to the date of the application to sell the financial product and the price trend in the market for the financial product, and then calculates the formal sale price based on the unit price determined on the date of the application to sell the financial product; and the payment processing unit pays in advance to the user a specified amount based on the provisional sale price on the date of the application to sell the financial product, and then pays the user the difference between the formal sale price and the specified amount .

According to one aspect of the embodiment, when the sale proceeds of a financial product are transferred, at least a portion of the sale proceeds can be paid to the user prior to the normal transfer date.

FIG. 1 is an explanatory diagram showing an overview of an information processing method according to an embodiment. FIG. 2 is a diagram showing an example of a scheme in which a sales company makes an advance payment. FIG. 3 is a diagram showing an example of a scheme in which the trustee bank makes an advance payment. FIG. 4 is a diagram illustrating an example of the configuration of an information processing system according to the embodiment. FIG. 5 is a diagram illustrating an example of the configuration of an information processing apparatus according to an embodiment. FIG. 6 is a diagram illustrating an example of the user information database. FIG. 7 is a diagram illustrating an example of the user information database. FIG. 8 is a flowchart showing a processing procedure according to the embodiment. FIG. 9 is a diagram illustrating an example of a hardware configuration.

Below, the information processing device, information processing method, and information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, information processing method, and information processing program according to the present application are not limited to these embodiments. In addition, the same components in the following embodiments will be denoted by the same reference numerals, and duplicated descriptions will be omitted.

[1. Overview of information processing method]
First, an overview of an information processing method performed by an information processing device according to an embodiment will be described with reference to Fig. 1. Fig. 1 is an explanatory diagram showing an overview of an information processing method according to an embodiment. In Fig. 1, an example will be described in which at least a part of the sales price of a financial product is paid to a user before the usual delivery date (for example, on the same day) in the transfer of the sales price.

As shown in FIG. 1, the information processing system 1 includes a terminal device 10 and a payment device 100. The terminal device 10 and the payment device 100 are connected to each other via a network N (see FIG. 4) in a wired or wireless manner so as to be able to communicate with each other.

The terminal device 10 is a smart device such as a smartphone or tablet used by a user U, and is a mobile terminal device capable of communicating with any server device via a wireless communication network such as 4G (Generation) or LTE (Long Term Evolution). The terminal device 10 has a screen such as a liquid crystal display with touch panel functionality, and accepts various operations on displayed data such as content, such as tapping, sliding, scrolling, etc., performed by the user with a finger or a stylus. An operation performed on an area of the screen where content is displayed may be considered to be an operation on the content. The terminal device 10 may be not only a smart device, but also an information processing device such as a desktop PC (Personal Computer) or a notebook PC.

The payment device 100 is an information processing device involved in the buying and selling of investment trusts (investment trusts: funds), and upon receiving an application for canceling an investment trust (application for selling) from a user U, calculates the cancellation fee (sale price) based on the base price of the investment trust at a predetermined timing (the same day, the previous day, etc.) and pays at least a part of the cancellation fee to the user U before the normal delivery date (for example, on the same day). This payment device 100 is realized by a server device, a cloud system, etc. The cancellation fee is paid, for example, by online Internet banking or electronic payment. The investment trust is an investment trust held by the user U, and requires a predetermined number of days (for example, two business days) from the cancellation application to the delivery of the cancellation fee. The base price of the investment trust is determined at a specified time on the day (for example, around 6 p.m. on the same day). The payment of the cancellation fee may be, for example, by paying the cancellation fee in advance or lending an amount equivalent to the cancellation fee.

Note that investment trusts are merely one example of a financial product. In reality, it is not limited to investment trusts, and may be other financial products. Also, the base price indicates the unit price of the financial product.

[1-1. Basic operations〕
For example, as shown in Fig. 1, a user U operates a terminal device 10 to apply for cancellation of an investment trust held by the user U to the payment device 100 (step S1). The investment trust usually requires a certain number of days from the cancellation application to the delivery of the cancellation fee. The unit price of the investment trust is determined at a specified time on the day.

Next, in response to the user U's application to cancel the investment trust, the payment device 100 calculates a provisional cancellation fee for the investment trust based on information such as the base price of the investment trust at a specified time (the same day, the previous day, etc.) and price trends in the market (step S2). The provisional cancellation fee may be an estimated price of the investment trust. The payment device 100 may also calculate the provisional cancellation fee for the investment trust using an algorithm, a learning model, AI (Artificial Intelligence), etc. that predicts and estimates the price of the investment trust.

Then, the payment device 100 transfers a specified amount based on the calculated provisional cancellation fee from a specified account to the user's account prior to the normal delivery date (e.g., on the same day) (step S3). For example, the payment device 100 transmits (outputs) an instruction to transfer the specified amount based on the calculated provisional cancellation fee from its own account (the company that operates the payment device 100) to the user's account to a server device or the like of a financial institution such as a bank that manages the account. In this way, the payment device 100 shortens the lead time from the application to cancel the investment trust to the transfer of the cancellation fee.

Afterwards (e.g., at a later date), the payment device 100 calculates the cancellation fee for the confirmed investment trust based on the base price for the confirmed investment trust (step S4).

Next, if there is a difference (difference) between a specified amount based on the provisional cancellation fee and the final cancellation fee, the payment device 100 transfers an amount equivalent to the difference from the specified account to the user's account (step S5). For example, the payment device 100 transmits (outputs) an instruction to transfer an amount equivalent to the difference from its own account (the company that operates the payment device 100) to the user's account to a server device or the like of a financial institution such as a bank that manages the account. Note that if there is no difference, there is naturally no need to transfer the amount from the specified account to the user's account.

[1-2. Scheme 1: Dealer pays in advance]
Next, referring to Figure 2, a scheme will be described in which a sales company that sells an investment trust pays the amount equivalent to the cancellation fee in advance when an application to cancel the investment trust is received from user U. Figure 2 is a diagram showing an example of a scheme in which the sales company pays in advance. In the example of Figure 2, the sales company is the company that operates the payment device 100. Figure 2 also shows the timing of each process in chronological order for each unit period t. Here, unit period t is a business day.

As shown in FIG. 2, during a unit period t, user U operates terminal device 10 to apply to the sales company for the cancellation of the investment trust (name of the investment trust) that he or she has purchased, and to request the purchase of the beneficiary rights (step S11).

The payment device 100 operated by the sales company performs cancellation processing in response to a cancellation request from user U for an investment trust during a unit period t, and also purchases the beneficiary rights (the right of the beneficiary to receive profits such as investment income from the investment trust) from user U in response to a purchase request for the beneficiary rights within the same unit period t (on the same day), and pays the purchase price of the beneficiary rights as compensation (step S12). This purchase price of the beneficiary rights corresponds to a provisional cancellation fee. At this time, the payment device 100 calculates the purchase price of the beneficiary rights based on information such as the base price of the investment trust, the price trend in the market, and the number of shares of the investment trust that user U will cancel. Then, the payment device 100 transfers a specified amount based on the purchase price of the beneficiary rights from the sales company's account to the user U's account. User U receives a specified amount based on the purchase price of the beneficiary rights from the sales company as a provisional cancellation fee. That is, the sales company advances a portion of the cancellation fee to the user U as part of the purchase price of the investment trust beneficiary rights. The payment device 100 operated by the sales company may be a server device of the sales company, etc.

In response to the cancellation process of the investment trust at the sales company during the unit period t, the trustee company instructs the trustee bank, which handles decision-making and administrative processes related to the investment trust (fund), to cancel the investment trust (step S13). Note that the processing performed by the trustee company is executed by a server device or the like of the trustee company.

Note that the trustee bank is merely one example. For example, in the case of a trustor-instruction investment trust, the entity that makes decisions and processes affairs regarding the fund may be any one of the sales company, the trustee company, or the trustee bank (including a sub-trustee bank that processes affairs on behalf of the trustee bank). In this embodiment, as shown in the figure, an example of a trustee bank will be used for explanation.

The trustee bank calculates the redemption fee by applying the unit price of the investment trust in the unit period t (step S14). This redemption fee corresponds to the final redemption fee. Note that the processing performed by the trustee bank is executed by a server device or the like of the trustee bank.

In unit period t+1 (the next day), the trustee bank debits user U's principal from the fund's account based on the confirmed redemption fee (step S15). At this time, if the confirmed redemption fee exceeds user U's principal, the excess is added (increased) as a profit to user U's principal before the withdrawal. Conversely, if the confirmed redemption fee is less than user U's principal, the shortfall is deducted (subtracted) as a loss from user U's principal before the withdrawal.

The trustee bank delivers the withdrawn principal of user U to the sales company in unit period t+x (delivery date) (step S16). For example, the trustee bank transfers the withdrawn principal of user U from the fund account to the sales company's account.

The payment device 100 operated by the sales company receives user U's principal from the fund's account in unit period t+x (delivery date) (step S17). For example, the payment device 100 confirms that user U's principal has been transferred from the fund's account to the sales company's account. Alternatively, it receives a notification informing it of the transfer. The sales company receives user U's principal based on the beneficiary rights purchased from user U. At this time, if user U's principal exceeds a specified amount based on the purchase price paid to user U, the sales company pays the difference to user U. In other words, the sales company transfers the difference from the sales company's account to user U's account.

[1-3. Scheme 2: A scheme where the trustee bank makes an advance payment]
Next, referring to Figure 3, a scheme will be described in which a trustee bank that manages funds related to an investment trust advances and pays the amount equivalent to the cancellation fee when an application for cancelling an investment trust is received from user U. Figure 3 is a diagram showing an example of a scheme in which the trustee bank advances and pays. In the example of Figure 3, the trustee bank is the company that operates the payment device 100. Figure 3 also shows the timing of performing each process in chronological order for each unit period t. Here, unit period t is a business day.

As shown in FIG. 3, during a unit period t, user U operates terminal device 10 to submit a cancellation request to the sales company for the investment trust (name of the investment trust) that he or she has purchased (step S21).

The sales company performs cancellation processing in response to a cancellation request for the investment trust from user U during unit period t (step S22). Note that the processing performed by the sales company is executed by a server device or the like of the sales company.

In response to the cancellation process of the investment trust at the sales company during the unit period t, the trustee company instructs the trustee bank, which handles decision-making and administrative processes related to the investment trust (fund), to cancel the investment trust (step S23). Note that the processing performed by the trustee company is executed by a server device or the like of the trustee company.

The payment device 100 operated by the trustee bank calculates the redemption fee by applying the base price of the investment trust in the unit period t (step S24). For example, the payment device 100 operated by the trustee bank calculates the provisional redemption fee by applying the base price of the investment trust on the previous day. Thereafter, the payment device 100 operated by the trustee bank calculates the final redemption fee by applying the base price of the investment trust on the day. However, in practice, the payment device 100 operated by the trustee bank may not calculate the provisional redemption fee, but may only calculate the final redemption fee. The payment device 100 operated by the trustee bank may be the server device of the trustee bank, etc.

At this time, the payment device 100 operated by the trustee bank lends a predetermined amount based on the calculated cancellation fee to the fund account during the unit period t, and the predetermined amount lent to the fund account is transferred to the user U's account via the sales company's account (step S25). Such lending to the fund account and the transfer of a predetermined amount from the fund account to the user U's account are not acts that correspond to "lending" under the Money Lending Business Act, but are made as a payment of the cancellation fee or an amount equivalent to the cancellation fee. Therefore, no interest (interest) is accrued on the loan here. However, it is also assumed that the fund will borrow from the trustee bank for the loan to the fund account. Interest will be accrued on the borrowing. Here, the payment device 100 lends a predetermined amount based on the provisional cancellation fee. In reality, the payment device 100 may lend a predetermined amount based on the final cancellation fee, not the provisional cancellation fee. At this time, the payment device 100 transfers a specified amount based on the calculated cancellation fee from the trustee bank's account to the fund's account as a loan to the fund, and then transfers the amount from the fund's account to user U's account via the sales company's account. In this way, user U receives the loan to the fund from the trustee bank via the sales company. In other words, the trustee bank pays a portion of the cancellation fee in the form of a loan to user U. Note that "loan" may simply be interpreted as "advance payment" or "provisional payment."

The payment device 100 operated by the trustee bank also debits user U's principal from the fund's account based on the confirmed cancellation fee in unit period t+1 (the next day) (step S26). At this time, if the confirmed cancellation fee exceeds user U's principal, the payment device 100 operated by the trustee bank adds (increases) the excess as a profit to user U's principal before debiting. Conversely, if the confirmed cancellation fee is less than user U's principal, it subtracts (reduces) the shortfall as a loss from user U's principal before debiting.

The payment device 100 operated by the trustee bank delivers to the trustee bank, in a unit period t+x (delivery date), an amount equivalent to the loan to the fund, using the principal withdrawn by user U as the source of funds (step S27). For example, the payment device 100 operated by the trustee bank transfers the amount of the principal withdrawn by user U that corresponds to the loan to the fund from the fund account to the trustee bank account. At this time, if user U's principal exceeds the loan to the fund, the payment device 100 operated by the trustee bank pays the difference to user U. In other words, the difference is transferred from the fund account to user U's account via the sales company's account.

The payment device 100 operated by the trustee bank receives an amount equivalent to the loan to the fund from the trustee bank in unit period t+x (delivery date) and recovers the loan to the fund (step S28). For example, the payment device 100 confirms that the amount equivalent to the loan to the fund has been transferred from the fund's account to the trustee bank's account. Alternatively, the payment device 100 receives a notification informing the trustee bank that the transfer has occurred. The trustee bank then recovers the loan to the fund.

[1-4. Same-day payment patterns]
Here, an example of a same-day payment (advance payment) pattern will be described.

For example, in response to a cancellation request from user U of an investment trust, the payment device 100 calculates the cancellation fee based on the unit price on the day of the cancellation request and pays it on the same day. If the unit price on the day is decided around 6 p.m. on the day, the cancellation fee may be paid in the evening on the same day. In the case of online payment, the amount paid is reflected in the account immediately. As soon as user U confirms the deposit in his/her account, he/she can use the deposited amount to place a purchase order for a new investment trust or issue a withdrawal instruction to another account (such as a bank account). In addition, instead of paying the full amount of the calculated cancellation fee on the same day, the payment device 100 may first pay a specified percentage of the calculated cancellation fee (for example, 70% or 80% of the cancellation fee) on the same day and then pay the difference between the amount and the confirmed cancellation fee at a later date.

Alternatively, in response to a cancellation request from user U of an investment trust, the payment device 100 calculates a provisional cancellation fee based on the unit price on the day before the cancellation request date, and pays a specified percentage of the calculated provisional cancellation fee on the same day. In this case, the difference with the final cancellation fee is paid at a later date. This makes it possible to make an immediate payment immediately after cancellation. The specified percentage may be a fixed amount (e.g., 80%) or may be calculated from statistics. However, if the unit price on the day falls significantly, it becomes a risk for the business operator who paid in advance. Therefore, the specified percentage is determined according to the risk tolerance of the business operator. Note that in practice, an amount equivalent to the unit price on the previous day may be paid. In other words, the specified percentage may be 100%.

Alternatively, in response to a cancellation request from user U of an investment trust, the payment device 100 immediately pays the unit price up to the day before the cancellation request date and the provisional cancellation fee predicted from the market. Here, the payment device 100 calculates the provisional cancellation fee based on the unit price history up to the day before the cancellation request date and the price fluctuation in the market. For example, the payment device 100 calculates the provisional cancellation fee based on the unit price for the week immediately preceding the cancellation request date and the increase or decrease in the unit price. In this case, the difference with the final cancellation fee is paid at a later date. This makes it possible to make an immediate payment immediately after cancellation. The payment device 100 calculates the unit price by taking into account the increase or decrease in the market from statistics.

Note that same-day payment is merely an example. In reality, payment is not limited to being made on the same day, and may be made on a day prior to the normal delivery date. In other words, payment processing may be made within a period shorter than the specified number of days required from the application to cancel the investment trust to the delivery of the cancellation fee, and not limited to on the same day that the application to cancel the investment trust is accepted from user U. For example, while it normally takes four days from the application to cancel the investment trust to the delivery of the cancellation fee, the payment device 100 may transfer a specified amount based on the cancellation fee calculated within two days from a specified account to the user's account. In this way, it is optional to set the date for performing payment processing (transfer processing) of the amount equivalent to the cancellation fee from the specified account to the user's account to be a day prior to the normal delivery date, and not limited to the same day.

In this way, in this embodiment, when the redemption fee for an investment trust is transferred, the redemption fee is calculated twice: a provisional redemption fee and a final redemption fee, and at least a portion of the redemption fee is paid to the user before the normal transfer date based on the provisional redemption fee, and then the difference is paid based on the final redemption fee. In particular, in the case of investment trusts, the unit price is determined around 6 p.m. on the day, so in the past, it was not considered possible to pay the redemption fee on the same day as the redemption application date. According to this embodiment, even for investment trusts whose unit price is determined at a specified time on the day, such as investment trusts, it is possible to pay at least a portion of the redemption fee on the same day.

2. Example of information processing system configuration
Next, the configuration of the information processing system 1 including the payment device 100 according to the embodiment will be described with reference to Fig. 4. Fig. 4 is a diagram showing an example of the configuration of the information processing system 1 according to the embodiment. As shown in Fig. 4, the information processing system 1 according to the embodiment includes a terminal device 10 and the payment device 100. These various devices are connected to each other via a network N so as to be able to communicate with each other via wired or wireless communication. The network N is, for example, a local area network (LAN) or a wide area network (WAN) such as the Internet.

Furthermore, the number of devices included in the information processing system 1 shown in FIG. 4 is not limited to that shown. For example, in FIG. 4, only one terminal device 10 is shown to simplify the illustration, but this is merely an example and is not limiting, and there may be two or more devices.

The terminal device 10 is an information processing device used by a user U. For example, the terminal device 10 is a smart device such as a smartphone or a tablet terminal, a feature phone, a PC (Personal Computer), a PDA (Personal Digital Assistant), a car navigation system, a wearable device such as a smart watch or a head-mounted display, smart glasses, etc.

In addition, the terminal device 10 can connect to the network N via a wireless communication network such as LTE (Long Term Evolution), 4G (4th Generation), or 5G (5th Generation: 5th generation mobile communication system), or via short-range wireless communication such as Bluetooth (registered trademark) or wireless LAN (Local Area Network), and communicate with the payment device 100.

The payment device 100 is, for example, a PC, a server device, a mainframe, a workstation, etc. The payment device 100 may also be realized by cloud computing.

3. Configuration example of information processing device
Next, the configuration of the price payment device 100 according to the embodiment will be described with reference to Fig. 5. Fig. 5 is a diagram showing an example of the configuration of the price payment device 100 according to the embodiment. As shown in Fig. 5, the price payment device 100 has a communication unit 110, a storage unit 120, and a control unit 130.

(Communication unit 110)
The communication unit 110 is realized by, for example, a network interface card (NIC), etc. The communication unit 110 is also connected to a network N (see FIG. 4) in a wired or wireless manner.

(Storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 5, the storage unit 120 has a user information database 121 and a cancellation information database 122.

(User information database 121)
The user information database 121 stores various information related to the user U. For example, the user information database 121 stores various information such as the attributes of the user U. Fig. 6 is a diagram showing an example of the user information database 121. In the example shown in Fig. 6, the user information database 121 has items such as "User ID (Identifier)", "Age", "Gender", "Home", "Workplace", and "Account ID".

"User ID" indicates identification information for identifying user U. Furthermore, "age" indicates the age of user U identified by the user ID. Note that "age" may be the specific age of user U identified by the user ID, such as 35 years old. Furthermore, "gender" indicates the gender of user U identified by the user ID.

"Home" indicates the location information of the home of user U, which is identified by the user ID. In the example shown in FIG. 6, "Home" is illustrated as an abstract code such as "LC11", but it may also be latitude and longitude information, etc. For example, "Home" may also be the name of a region or an address.

"Workplace" indicates the location information of the workplace (school in the case of a student) of user U identified by the user ID. In the example shown in FIG. 6, "workplace" is illustrated as an abstract code such as "LC12", but it may also be latitude and longitude information, etc. For example, "workplace" may also be the name of a region or an address.

The "account ID" indicates identification information for identifying the account used for investment trust transactions of user U identified by the user ID. For example, the "account ID" may be a branch number and account number, or a contractor number, etc. In the example shown in FIG. 6, one "account ID" is shown for each user U, but there may be multiple "account IDs."

For example, in the example shown in FIG. 6, the age of user U identified by user ID "U1" is "20s" and the gender is "male." Also, for example, the home address of user U identified by user ID "U1" is "LC11." Also, for example, the place of work of user U identified by user ID "U1" is "LC12." Also, for example, the account identified by user ID "U1" is used by user U identified by account ID "Account #1."

In the example shown in FIG. 6, abstract values such as "U1", "LC11", "LC12", and "Account #1" are used to illustrate the data, but it is assumed that concrete information such as character strings and numerical values is stored in "U1", "LC11", "LC12", and "Account #1". In the following figures relating to other information, abstract values may also be illustrated.

The user information database 121 may store various information according to the purpose, not limited to the above. For example, the user information database 121 may store various information related to the terminal device 10 of the user U. The user information database 121 may also store information related to the attributes of the user U, such as demographic attributes, psychographic attributes, geographic attributes, and behavioral attributes. For example, the user information database 121 may store information such as name, family structure, place of origin (hometown), occupation, job title, income, qualifications, type of residence (detached house, apartment, etc.), whether or not the user has a car, commuting time, commuting route, commuter pass section (station, line, etc.), frequently used station (other than the nearest station to home or workplace), extracurricular activities (location, time zone, etc.), hobbies, interests, and lifestyle.

(Cancellation information database 122)
The cancellation information database 122 stores various information related to the cancellation of the investment trust held by the user U. Fig. 7 is a diagram showing an example of the cancellation information database 122. In the example shown in Fig. 7, the cancellation information database 122 has items such as "user ID", "cancellation application date", "investment trust ID", "number of units", "base price", "provisional price", "payment amount", "final price", and "difference".

"User ID" indicates identification information for identifying user U. "Cancellation application date" indicates the date on which user U applied to cancel the investment trust (fund) held by user U. "Investment trust ID" indicates identification information for identifying the investment trust for which user U applied to cancel. "Number of shares" indicates the number of shares of the investment trust for which user U applied to cancel. "Base price" indicates the base price of the investment trust for which user U applied to cancel. In this embodiment, the "base price" is at least one of the base price of the previous day and the base price of the day (both are possible). "Provisional fee" indicates the provisional cancellation fee calculated based on the base price of the investment trust. "Payment amount" indicates a specified amount based on the provisional cancellation fee. For example, "payment amount" indicates a specified percentage of the provisional cancellation fee (for example, 70% or 80% of the cancellation fee). "Definite fee" indicates the cancellation fee calculated based on the base price of the investment trust. Additionally, the "difference" indicates the difference between the "confirmed price" and the "payment amount" above.

For example, in the example shown in Figure 7, the age of user U identified by user ID "U1" indicates that an application was made to cancel "Unit #1" of "Investment Trust #1" on "Cancellation Application Date #1". It also indicates that "Payment Amount #1" based on "Provisional Price #1" calculated from "Base Price #1" of "Investment Trust #1" will be paid before the normal delivery date, and "Difference #1" will be paid after "Definite Price #1" is determined.

The cancellation information database 122 may store various information according to the purpose, not limited to the above. For example, the cancellation information database 122 may store information regarding a predetermined rate to be multiplied by the provisional cancellation fee to calculate the payment amount. The cancellation information database 122 may also store information regarding the payment source account and the payment destination account.

(Control unit 130)
Returning to Fig. 5, the explanation will be continued. Control unit 130 is a controller, and is realized by, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), etc., executing various programs (corresponding to an example of an information processing program) stored in a storage device inside payment device 100 using a storage area such as a RAM as a working area. In the example shown in Fig. 5, control unit 130 has a reception unit 131, a calculation unit 132, and a payment processing unit 133.

(Reception Unit 131)
The reception unit 131 receives various information related to the user U via the communication unit 110. At this time, the reception unit 131 may receive input or registration of various information related to the user U from the terminal device 10 of the user U via the communication unit 110, or may receive various information related to the user U from another server device or the like. Then, the reception unit 131 stores the various information related to the user U in the user information database 121 of the storage unit 120.

The reception unit 131 also receives, via the communication unit 110, an application to cancel an investment trust from a user U who holds an investment trust (fund) that requires a certain number of days from the time of the cancellation application to the delivery of the cancellation fee. Note that an investment trust is an example of a financial product. The reception unit 131 then stores various information related to the cancellation of the investment trust in the cancellation information database 122 of the storage unit 120.

(Calculation Unit 132)
The calculation unit 132 calculates a provisional cancellation fee based on the unit price of the investment trust at a predetermined timing (the same day, the previous day, etc.) on the day of the application to cancel the investment trust. In this embodiment, the calculation unit 132 calculates a provisional cancellation fee based on the unit price of the investment trust before the normal delivery date in response to the application to cancel the investment trust. After that (for example, at a later date), it calculates a final cancellation fee for the investment trust. The unit price is an example of a unit price of a financial product.

For example, the calculation unit 132 calculates a provisional cancellation fee based on the base price determined on the day of the application to cancel the investment trust. Thereafter, the calculation unit 132 calculates a final cancellation fee based on the base price determined on the day of the application to cancel the investment trust. Note that, in practice, the calculation unit 132 may calculate a final cancellation fee based on the base price when the base price is determined on the day of the application to cancel the investment trust.

Alternatively, the calculation unit 132 calculates a provisional redemption fee based on the base price on the day before the application for redemption of the investment trust. After that, the calculation unit 132 calculates a final redemption fee based on the base price determined on the day of the application for redemption of the investment trust.

Alternatively, on the day of the application for redemption of the investment trust, the calculation unit 132 calculates a provisional redemption fee based on the unit price up to the day before the application for redemption of the investment trust and the price trend of the investment trust in the market. After that, the calculation unit 132 calculates a final redemption fee based on the unit price determined on the day of the application for redemption of the investment trust.

For example, the calculation unit 132 calculates a provisional redemption fee by taking into account the base price up to the day before the application for redemption of the investment trust and the increase or decrease in the market price of the investment trust.

(Payment Processing Unit 133)
The payment processing unit 133 transfers a predetermined amount based on the provisional cancellation fee from the predetermined account to the account of user U on the day of the application for cancellation of the investment trust via the communication unit 110. In this embodiment, the payment processing unit 133 transfers the predetermined amount based on the provisional cancellation fee from the predetermined account to the account of user U prior to the normal delivery date. Thereafter, the payment processing unit 133 transfers the difference between the confirmed cancellation fee and the predetermined amount from the predetermined account to the account of user U.

For example, if the base price on the day of the application to cancel the investment trust is used to calculate the provisional redemption fee, the payment processing unit 133 transfers a specified percentage of the provisional redemption fee from a specified account to the account of user U during the night of the day of the application to cancel the investment trust. After that, the payment processing unit 133 transfers the difference between the final redemption fee and the specified percentage from the specified account to the account of user U.

Alternatively, if the base price on the day before the application to cancel the investment trust is used to calculate the provisional cancellation fee, the payment processing unit 133 transfers a specified percentage of the provisional cancellation fee from a specified account to the account of user U on the day of the application to cancel the investment trust. Thereafter, the payment processing unit 133 transfers the difference between the final cancellation fee and the specified percentage from the specified account to the account of user U.

Alternatively, if the base price up to the day before the application for cancellation of the investment trust is used to calculate the provisional cancellation fee, the payment processing unit 133 transfers a specified amount based on the provisional cancellation fee from a specified account to the account of user U on the day of the application for cancellation of the investment trust. Thereafter, the payment processing unit 133 transfers the difference between the final cancellation fee and the specified amount from the specified account to the account of user U.

For example, the specified account may be an account held by a sales company that sells investment trusts. Alternatively, the specified account may be an account held by a financial institution that manages funds related to investment trusts.

4. Processing Procedure
Next, a processing procedure by the price payment device 100 according to the embodiment will be described with reference to Fig. 8. Fig. 8 is a flowchart showing the processing procedure according to the embodiment. Note that the processing procedure shown below is repeatedly executed by the control unit 130 of the price payment device 100.

As shown in FIG. 8, the reception unit 131 of the payment device 100 receives, via the communication unit 110, an application to cancel an investment trust from a user U who holds an investment trust that requires a certain number of days from the cancellation application to the delivery of the cancellation fee (step S101).

Then, the calculation unit 132 of the payment device 100 determines the provisional base price of the investment trust for calculating the provisional redemption fee (step S102). For example, the calculation unit 132 determines the base price of the day before (or the day of) the redemption application date of the investment trust as the provisional base price.

Next, in response to the application to redeem the investment trust, the calculation unit 132 calculates a provisional redemption fee based on the provisional unit price of the investment trust prior to the normal delivery date (step S103).

Then, the payment processing unit 133 of the payment device 100 transfers a specified amount based on the provisional cancellation fee from a specified account to the account of user U prior to the normal delivery date via the communication unit 110 (step S104).

After transferring the specified amount based on the provisional cancellation fee (e.g., at a later date), the calculation unit 132 of the payment device 100 determines the fixed base price of the investment trust for calculating the fixed cancellation fee (step S105). For example, the calculation unit 132 determines the base price on the day of the application for cancellation of the investment trust as the fixed base price.

Next, the calculation unit 132 calculates the confirmed redemption fee based on the confirmed base price of the investment trust (step S106).

Then, the payment processing unit 133 of the payment device 100 transfers the difference between the confirmed cancellation fee and the specified amount based on the provisional cancellation fee from the specified account to the account of user U via the communication unit 110 (step S107). At this time, if the confirmed cancellation fee is more than the specified amount based on the provisional cancellation fee (if the difference is positive), the payment processing unit 133 transfers the excess amount as the difference from the specified account to the account of user U. On the other hand, if the confirmed cancellation fee is less than the specified amount based on the provisional cancellation fee (if the difference is negative), the payment processing unit 133 transfers the shortfall amount as the difference from user U's account to the specified account. In other words, the negative amount as the difference is transferred from the specified account to user U's account.

5. Modifications
The above-described terminal device 10 and payment device 100 may be implemented in various different forms other than the above embodiment. Therefore, modifications of the embodiment will be described below.

In the above embodiment, when the payment device 100 receives an application to cancel an investment trust from user U, it may notify user U of the provisional base price and an estimate (forecast value) of the provisional cancellation fee before paying the provisional cancellation fee to user U.

In the above embodiment, the payment device 100 may immediately pay the full amount of the provisional cancellation fee to user U if a sufficient amount has been deposited in the investment trust account (asset management account) of user U. A sufficient amount is an amount that at least exceeds the expected fluctuation range of the base price. Alternatively, the payment device 100 may set aside an amount equivalent to at least the expected fluctuation range of the base price as collateral in advance from the balance of user U's investment trust account. Then, if a shortfall occurs because the final cancellation fee is less than the provisional cancellation fee, the payment device 100 may collect the shortfall from user U's investment trust account.

6. Effects
As described above, the payment device 100 of the present application comprises a reception unit that receives sales applications for financial products (such as investment trusts) from users who hold such financial products that require a specified number of days from the sale application to the delivery of the sales proceeds, a calculation unit that, in response to the sale application for the financial product, calculates a provisional sales price based on a provisional unit price (such as a base price) of the financial product before the normal delivery date, and then calculates a final sales price based on the final unit price of the financial product, and a payment processing unit that transfers a specified amount based on the provisional sales price from a specified account to the user's account before the normal delivery date, and then transfers the difference between the final sales price and the specified amount from the specified account to the user's account.

This allows at least a portion of the proceeds from the sale of financial products such as investment trusts to be paid to the user prior to the usual delivery date.

7. Hardware Configuration
Moreover, the terminal device 10 and the payment device 100 according to the above-described embodiment are realized by a computer 1000 having a configuration as shown in Fig. 9, for example. The following description will be given taking the payment device 100 as an example. Fig. 9 is a diagram showing an example of a hardware configuration. The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which a calculation device 1030, a primary storage device 1040, a secondary storage device 1050, an output I/F (Interface) 1060, an input I/F 1070, and a network I/F 1080 are connected by a bus 1090.

The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, programs read from the input device 1020, and the like, and executes various processes. The arithmetic device 1030 is realized, for example, by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like.

The primary storage device 1040 is a memory device such as a RAM (Random Access Memory) that primarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), a HDD (Hard Disk Drive), a SSD (Solid State Drive), a flash memory, or the like. The secondary storage device 1050 may be an internal storage device or an external storage device. The secondary storage device 1050 may be a removable storage medium such as a USB memory or a SD (Secure Digital) memory card. The secondary storage device 1050 may be a cloud storage device (online storage device), a NAS (Network Attached Storage), a file server, or the like.

The output I/F 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information, such as a display, projector, printer, etc., and is realized by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (registered trademark) (High Definition Multimedia Interface). The input I/F 1070 is an interface for receiving information from various input devices 1020, such as a mouse, keyboard, keypad, button, scanner, etc., and is realized by a USB, etc.

In addition, the output I/F 1060 and the input I/F 1070 may be wirelessly connected to the output device 1010 and the input device 1020, respectively. That is, the output device 1010 and the input device 1020 may be wireless devices.

The output device 1010 and the input device 1020 may be integrated together, such as a touch panel. In this case, the output I/F 1060 and the input I/F 1070 may also be integrated together as an input/output I/F.

The input device 1020 may be a device that reads information from, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory.

The network I/F 1080 receives data from other devices via the network N and sends it to the computing device 1030, and also transmits data generated by the computing device 1030 to other devices via the network N.

The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output I/F 1060 and the input I/F 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

For example, when the computer 1000 functions as the payment device 100, the arithmetic unit 1030 of the computer 1000 realizes the functions of the control unit 130 by executing a program loaded onto the primary storage device 1040. The arithmetic unit 1030 of the computer 1000 may also load a program acquired from another device via the network I/F 1080 onto the primary storage device 1040 and execute the loaded program. The arithmetic unit 1030 of the computer 1000 may also cooperate with other devices via the network I/F 1080 and use the functions and data of a program by calling them from other programs of the other devices.

[8. Other]
Although the embodiments of the present application have been described above, the present invention is not limited to the contents of these embodiments. The above-described components include those that can be easily imagined by a person skilled in the art, those that are substantially the same, and those that are within the so-called equivalent range. Furthermore, the above-described components can be appropriately combined. Furthermore, various omissions, substitutions, or modifications of the components can be made without departing from the spirit of the above-described embodiments.

Furthermore, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using known methods. In addition, the information including the processing procedures, specific names, various data, and parameters shown in the above documents and drawings can be changed as desired unless otherwise specified. For example, the various information shown in each drawing is not limited to the information shown in the drawings.

In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various loads, usage conditions, etc.

For example, the payment device 100 described above may be realized using multiple server computers, and depending on the functions, the configuration can be flexibly changed, such as by calling an external platform using an API (Application Programming Interface) or network computing.

The above-described embodiments and variations can be combined as appropriate to the extent that they do not cause inconsistencies in the processing content.

The above-mentioned "section, module, unit" can be read as "means" or "circuit." For example, a reception section can be read as a reception means or a reception circuit.

REFERENCE SIGNS LIST 1 Information processing system 10 Terminal device 100 Payment device 110 Communication unit 120 Storage unit 121 User information database 122 Cancellation information database 130 Control unit 131 Reception unit 132 Calculation unit 133 Payment processing unit

Claims (11)

An information processing device managed by a financial institution involved in the buying and selling of financial products,
a reception unit that receives an application to sell the financial product from a user who holds the financial product;
A calculation unit that calculates a provisional sales amount based on the unit price of the financial product prior to the delivery date of the sales amount in response to the sales application of the financial product, and then calculates a formal sales amount of the financial product;
a payment processing unit that prepays a predetermined amount based on the provisional sale price to the user before the delivery date of the sale price, and then pays the difference between the official sale price and the predetermined amount to the user;
Equipped with
The calculation unit calculates the provisional selling price on the date of the sale application for the financial product based on the unit price up to the date of the sale application for the financial product and the price trend of the financial product in the market, and then calculates the official selling price based on the unit price determined on the date of the sale application for the financial product;
The payment processing unit pays in advance to the user a predetermined amount based on the provisional sale price on the date of application for sale of the financial product, and thereafter pays to the user the difference between the official sale price and the predetermined amount.
23. An information processing apparatus comprising: The calculation unit calculates the provisional selling price on the date of the sale application for the financial product based on the unit price before the determination time of the base price on the date of the sale application for the financial product, and then calculates the official selling price based on the unit price after the determination time of the base price on the date of the sale application for the financial product;
The information processing device according to claim 1, characterized in that the payment processing unit pays in advance to the user an amount equal to a predetermined percentage of the provisional sales price on the date of application for the sale of the financial product, and then pays to the user the difference between the official sales price and the amount equal to the predetermined percentage. The calculation unit calculates the provisional selling price based on the unit price before the date of the sale application for the financial product, and then calculates the official selling price based on the unit price determined on the date of the sale application for the financial product;
The information processing device according to claim 1, characterized in that the payment processing unit pays in advance to the user an amount equal to a predetermined percentage of the provisional sales price on the date of application for the sale of the financial product, and then pays to the user the difference between the official sales price and the amount equal to the predetermined percentage. The information processing device according to any one of claims 1 to 3, characterized in that the calculation unit calculates the provisional selling price by taking into account the unit price up to the date of the sale application of the financial product and the range of increase or decrease in the market price of the financial product. The information processing device described in any one of claims 1 to 4, characterized in that the payment processing unit transfers a specified amount based on the provisional selling price and the difference between the official selling price and the specified amount from an account of a sales company selling the financial product to an account of the user. The information processing device described in any one of claims 1 to 4, characterized in that the payment processing unit transfers a specified amount based on the provisional selling price and the difference between the official selling price and the specified amount from an account of a trustee bank that manages funds related to the financial product to an account of the user . An information processing device managed by a financial institution that mediates buying and selling on a sales route of a financial product,
a reception unit that receives an application to sell the financial product from a user who holds the financial product;
A calculation unit that calculates a provisional selling price based on a unit price of the financial product at a predetermined timing on the date of the sale application of the financial product;
a payment processing unit that temporarily lends the specified amount to the user by paying in advance a specified amount based on the provisional selling price on the date of application for sale of the financial product, which is before the delivery date of the selling price, to the user, thereby shortening the lead time from the application for sale of the financial product to the delivery of the selling price;
Equipped with
The calculation unit calculates the provisional selling price on the date of the sale application for the financial product based on the unit price up to the date of the sale application for the financial product and the price trend of the financial product in the market, and then calculates the official selling price based on the unit price determined on the date of the sale application for the financial product;
The payment processing unit pays in advance to the user a predetermined amount based on the provisional sale price on the date of application for sale of the financial product, and thereafter pays to the user the difference between the official sale price and the predetermined amount.
23. An information processing apparatus comprising: An information processing method executed by an information processing device managed by a financial institution involved in the buying and selling of financial products, comprising:
A first calculation step of calculating a provisional selling price based on the unit price of the financial product prior to the delivery date of the selling price in response to the sale application of the financial product;
a first payment processing step of paying in advance to a user a predetermined amount based on the provisional sale price before the delivery date of the sale price;
a second calculation step of calculating a formal selling price based on a formal unit price of the financial product after the first payment processing step;
a second payment processing step of paying the difference between the official selling price and the predetermined amount to the user;
Including,
In the first calculation step, on the date of the application for sale of the financial product, the provisional sale price is calculated based on the unit price up to the date of the application for sale of the financial product and the price fluctuation in the market for the financial product; In the first payment processing step, on the date of the application for sale of the financial product, a predetermined amount based on the provisional sale price is paid in advance to the user;
In the second calculation step, a formal selling price is calculated based on a unit price determined on the date of the sale application of the financial product;
In the second payment processing step, the difference between the official sales price and the predetermined amount is paid to the user.
23. An information processing method comprising: An information processing method executed by an information processing device managed by a financial institution that mediates buying and selling on a sales route of a financial product, comprising:
a receiving step of receiving an application to sell the financial product;
A calculation step of calculating a provisional selling price based on a unit price of the financial product at a predetermined timing on the date of application for selling the financial product;
a payment processing step of temporarily lending a predetermined amount to the user based on the provisional sale price on the date of application for sale of the financial product, which is before the delivery date of the sale price, thereby shortening the lead time from the application for sale of the financial product to the delivery of the sale price;
Including,
In the calculation step, on the date of the application for sale of the financial product, the provisional sale price is calculated based on the unit price up to the date of the application for sale of the financial product and the price trend of the financial product in the market, and then the official sale price is calculated based on the unit price determined on the date of the application for sale of the financial product;
In the payment processing step, a predetermined amount based on the provisional sale price is paid in advance to the user on the date of application for sale of the financial product, and then the difference between the official sale price and the predetermined amount is paid to the user.
23. An information processing method comprising: A program executed by a computer managed by a financial institution involved in the buying and selling of financial products,
A receiving step of receiving an application to sell the financial product;
A first calculation step of calculating a provisional selling price based on the unit price of the financial product prior to a delivery date of the selling price in response to a sale application of the financial product;
a first payment processing procedure for prepaying a predetermined amount based on the provisional sale price to a user before a delivery date of the sale price;
a second calculation step of calculating a formal sale price based on a formal unit price of the financial product after the first payment processing step;
a second payment processing step of paying the difference between the official selling price and the predetermined amount to the user;
An information processing program for causing a computer to execute the
In the first calculation step, on the date of the sale application of the financial product, the provisional sale price is calculated based on the unit price of the financial product up to the date of the sale application and the price trend of the financial product in the market;
In the first payment processing step, a predetermined amount based on the provisional sale price is paid in advance to the user on the date of the sale application of the financial product;
In the second calculation step, a formal selling price is calculated based on a unit price determined on the date of the sale application of the financial product;
In the second payment processing step, the difference between the official sales price and the predetermined amount is paid to the user.
2. An information processing program comprising : A program executed by a computer managed by a financial institution that mediates sales of financial products on a sales route,
A receiving step of receiving an application to sell the financial product;
A calculation step of calculating a provisional selling price based on a unit price of the financial product at a predetermined timing on the date of application for selling the financial product;
a payment processing procedure for temporarily lending a predetermined amount to a user based on the provisional sale price on the date of application for sale of the financial product, which is before the delivery date of the sale price, thereby shortening the lead time from the application for sale of the financial product to the delivery of the sale price;
An information processing program for causing a computer to execute the
In the calculation step, on the date of the application for sale of the financial product, the provisional sale price is calculated based on the unit price up to the date of the application for sale of the financial product and the price trend of the financial product in the market, and then the official sale price is calculated based on the unit price determined on the date of the application for sale of the financial product;
In the payment processing procedure, on the date of the sale application of the financial product, a predetermined amount based on the provisional sale price is paid in advance to the user, and thereafter, the difference between the official sale price and the predetermined amount is paid to the user.
2. An information processing program comprising :

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