Instalment saving type margined foreign exchange trading system

【0001】

[Technical field to which the invention belongs]

The present invention relates to a fixed-term reserve type foreign exchange deposit trading system, and more specifically, to a system capable of easily performing regular foreign currency reserves in various currencies using the Internet.

【0002】

[Conventional technology]

With the recent revision of the Foreign Exchange and Foreign Trade Law, transactions with foreign countries and transactions denominated in foreign currencies have been greatly liberalized, and individuals and companies can freely open deposit accounts at foreign banks, and foreign currency deposits and yen deposits. You can have it freely. Due to such deregulation and the remarkable development of IT technology in recent years, customers themselves use the foreign exchange online trading service provided by securities companies, etc. to connect to the server of the foreign exchange broker from the communication terminal and use that server. It has become possible to conduct foreign exchange transactions with overseas banks through this, and foreign exchange deposit transactions (also called foreign exchange margin trading) are also being conducted among investors.

【0003】

However, foreign currency deposits and foreign currency denominated MMFs have a high minimum investment unit, a high exchange cost of 50 yen to 1 yen one way, and once a contract is concluded, it must be maintained until the contract deadline. There were problems in that it was not possible to avoid fluctuation risk, it was not possible to grasp profit and loss in real time after purchasing foreign currency, and it was impossible to complete all transactions on the Internet. On the other hand, foreign exchange deposit trading is common as a means of foreign currency investment, but it is mainly for speculative trading, and the leverage is as high as 10 to 100 times or more, so it is with foreign currency deposits and foreign currency denominated MMFs. There were also drawbacks such as high risk compared to that.

【0004】

[Problems to be Solved by the Invention]

The present invention has been made to solve the above-mentioned problems, and the first purpose is to easily carry out all actions such as small periodic purchase and reserve of the minimum investment unit of foreign currency without hassle. The purpose is to provide a fixed-term funded foreign exchange deposit trading system that is suitable for asset management for individual investors because it can be done and customers can grasp the gains and losses on foreign currency purchases in real time.

【0005】

In addition to the above-mentioned first object, the second object of the present invention can freely cancel (sell) or exchange all or part of the amount without waiting for maturity, and it is easy to control foreign exchange fluctuation risk and secure and use profits. The purpose is to provide a fixed-term funded foreign exchange deposit trading system. The third purpose is, in addition to the first purpose, a fixed-term reserve type foreign exchange deposit that allows customers to freely change the regular foreign currency reserve conditions to manipulate the average cost and easily control the risk of exchange fluctuations. It is to provide a trading system. The fourth purpose is to provide a fixed-term funded foreign exchange deposit trading system that can automatically cut losses and easily control the risk of exchange fluctuations, in addition to the first purpose.

【0006】

[Means for solving problems]

In order to achieve the first object described above, the present invention periodically automatically transfers a desired set amount from an Internet bank account using the Internet, purchases and reserves a certain amount of foreign currency using the funds as a deposit, and makes a foreign exchange gain. And a foreign currency asset management system in which the amount received due to the interest rate difference is the benefit of the customer, that is, the customer side communication terminal, the exchange trader side host including the communication control device, the WEB server and the database server, and the bank side. It consists of a communication server, and the communication terminal and the host and the bank-side communication server are each connected through an Internet communication network, and a customer who has a bank account on the Internet wants to purchase foreign currency at regular intervals. And the step of inputting the foreign currency purchase condition information that requires the purchase amount and the foreign currency purchase condition information from the customer side communication terminal and transmitting the information to the exchange trader side host, and the exchange trader from the bank account via the bank side communication server. After receiving the step of automatically transferring a certain amount to the account of the side host and the foreign currency purchase condition information sent from the customer side communication terminal and confirming the completion of the transfer, foreign countries using the computing device existing in the host The step of making a currency purchase transaction, and after the purchase, the valuation profit / loss information including the total of the valuation profit / loss due to the exchange fluctuation and the valuation profit / loss of the swap point calculated by the calculation device is transmitted to the customer side communication terminal. Unless the step and the change of foreign currency purchase conditions are sent from the customer side communication terminal to the foreign currency purchase condition host, the next additional purchase of foreign currency will be based on the foreign currency purchase condition information recorded in the host. A step of making a transaction with a bank account, a step of periodically calculating and displaying the valuation profit / loss information using a computing device existing in the host after the purchase, and transmitting the valuation profit / loss information to the customer side communication terminal. It is characterized by repeating steps.

【0006】

In order to achieve the second object, in the present invention, when the information to change the previous foreign currency purchase conditions is transmitted from the customer side communication terminal to the foreign currency trading company side host, the foreign currency recorded in the host is recorded. It is characterized in that it changes the purchase condition information and performs a step of making a purchase transaction of a foreign currency with the information and a step of transmitting the information to the customer-side communication terminal.

【0008】

In order to achieve the third object, the present invention exists in the host when the information to sell all or part of the accumulated foreign currency is transmitted from the customer side communication terminal to the exchange trader side host. Using a computing device, take the step of selling all or part of the foreign currency on a certain date and time, and the step of transmitting the information to the customer side communication terminal and reflecting it in the customer's trading account. It is a feature. In addition, when information to the effect that all or part of the accumulated foreign currency is exchanged (exchanged) is sent from the customer side communication terminal to the exchange trader side host, the computing device existing in the host is used. A certain date and time using the step of automatically calculating the yen fund equivalent to the customer's sale amount and confirming whether the yen fund in the customer's trading account can be applied, and the calculation device existing in the host It is characterized by taking the step of exchanging (exchange) from foreign currency to yen in time.

【0009】

In order to achieve the fourth object, the present invention presents the present invention in the host when the effective holding amount (= asset + valuation gain / loss-delivery price) of the customer calculated by the computing device approaches a certain level of the transaction deposit. When the step of sending a warning mail to the customer side communication terminal using the existing computing device and communication control device and the effective holding amount of the customer calculated by the computing device falls below a certain level of the transaction deposit. Unless the customer side communication terminal sends information to the foreign exchange trader side host to change the previous foreign currency purchase unit number information, the computer existing in the host is used to oppose all foreign currency purchase positions. When the step of buying and selling and the step of transmitting the information to the customer side communication terminal are performed, and the information to the effect of making a deposit to avoid loss cut is transmitted from the customer side communication terminal to the foreign exchange trader side host. Is characterized by receiving the transfer information of yen funds transmitted from the customer-side communication terminal, confirming the completion of payment, and then taking the step of maintaining the position using the computing device existing in the host. There is.

【0010】

In the present invention, preferably, the customer side communication terminal is provided with account opening application procedure information, information on determining / changing foreign currency purchase reserve conditions including the desired foreign currency and the purchase amount thereof, information on withdrawal of the reserve amount from the account, and cancellation. An input function for inputting information, exchange information from yen to foreign currency, or withdrawal information, a transmission function for transmitting the input information to the host, and information transmitted from the host. A display function for displaying is provided, and after receiving the input information transmitted from the customer-side communication terminal, the host uses the computing device existing in the host to total the reserve amount or the interest rate difference adjustment. And so on, and process the transmission function that sends the cost information including the profit and loss calculated by the calculation to the customer side communication terminal, and the periodical purchase or cancellation of foreign currency sent after input by the customer side communication terminal. It has a currency transaction processing function.

【0011】

BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings, but the present invention is not limited to the examples as long as it has the basic features of the present invention. Figure 1 shows the overall configuration of a fixed-term funded foreign exchange deposit trading system to which the present invention is applied. A customer-side communication terminal owned by a customer and a foreign exchange trading company owned by a foreign exchange trading company or an investment advisory company. It consists of a side host computer (hereinafter referred to as a trader side host) and a bank side communication terminal (hereinafter referred to as a bank side communication server) owned by one or more Internet banks, and this customer side communication terminal and the host and bank side communication. Each terminal is connected by an internet communication network.

【0012】

A communication control device, a WEB server, and a database server are incorporated in the trader's host, and the database contains exchange information on foreign currencies such as US dollars, euros, Australian dollars, and British pounds, and customers. If there is access from, it is possible to supply the necessary exchange information to the customer side communication terminal. The database is also connected to data banks such as securities markets, financial markets, commodity markets, telecommunications companies, newspaper companies and magazine companies via the Internet, and the foreign exchange information collected from them is automatically updated. It is designed to do. This makes it possible to provide foreign exchange information to customers in real time.

【0013】

The host of the trader side has "guide of this transaction" information, "opening an account" information, "terms and conditions" information, "regulations" information, "guide of this transaction" information, "procedure flow" information, "partial cancellation". "Order / cancellation" information including "all cancellations" and "current receipt orders", and "history / cancellation history" including "account / position inquiry", "purchase / cancellation / receipt history" and "unit change history" It has a transmission function to send "inquiry" information, "deposit / withdrawal" information including "deposit / withdrawal request", "deposit / withdrawal history", "deposit / withdrawal cancellation", etc. to the customer side communication terminal.

【0014】

In addition, "order / cancellation" information including "account opening", "partial cancellation / total cancellation" and "current order" sent after input by the customer side communication terminal, "deposit / withdrawal request" and "deposit / withdrawal" From the "deposit / withdrawal" information including "cancellation of money", the customer investment cost such as the reserve amount or the total of swap points is calculated using the calculation device existing in the host, and the profit and loss calculated by the calculation is included. It has a transmission function that transmits investment cost information to the customer-side communication terminal. In addition, it has a foreign exchange transaction processing function that processes regular purchases (reserves) or cancellations of foreign currency transmitted by the customer-side communication terminal according to the customer's instructions. Further, the trader-side host has a transmission function of transmitting the processed information to the customer-side communication terminal or the bank-side communication server.

【0015】

The position can then be automatically closed when the customer's market value-based assets fall below a certain percentage of the investment amount, for example 5%, which can limit the risk of exchange fluctuations to a certain extent. As described above, the trader-side host computer is provided with a loss cut function.

【0016】

The bank communication server uses "account opening" information, "terms and conditions" information, "application form request" information, "account" information, "application" information including "time deposit" and "card loan", and "transfer". It has a transmission function to send "transfer / settlement" information including "payment" and "automatic account transfer contract" to the customer side communication terminal.

【0017】

The customer-side communication terminal may be any communication terminal such as a personal computer, PHS, or mobile phone as long as it is an Internet-compatible communication terminal, but the communication terminal can freely browse the WEB page provided on the trader-side host. It is necessary to have a browser function in order to browse and check foreign exchange information in real time.

【0018】

The customer side communication terminal has personal information, "order / cancellation" information including "partial cancellation / total cancellation" and "current order", "account / position inquiry" and "purchase / cancellation / receipt history". "History / inquiry" information including "number change history" or "deposit / withdrawal" information including "deposit / withdrawal request", "deposit / withdrawal history" and "deposit / withdrawal cancellation" It has a transmission function of transmitting the input information to the trader side host and the bank side communication server. With these functions, the customer-side communication terminal can transmit personal information, purchase information, etc. to the trader-side host or the bank-side communication server, and proceed with foreign exchange trading.

【0019】

The present invention uses the above-mentioned basic system to determine the reserve amount at regular intervals, withdraw the reserve amount from the account, purchase foreign currency, change the reserve amount, cancel (part or all), and yen from the procedure for opening an account. All transactions from foreign currency exchange to withdrawal are done on the web, and in particular, the investment cost of the customer (total of the reserve amount and interest rate difference adjustment) is presented at any time so that the customer can grasp the profit and loss in real time. The average cost can be arbitrarily manipulated by the customer himself by changing the reserve amount at regular intervals.

【0020】

First, Tables 1 and 2 show an outline of a certain model of fixed-term funded foreign exchange deposit trading as a product targeted by the present invention. In this example, the "time unit is monthly", but it is optional, such as weekly.

【0021】

[table 1]<img file="JP2004192587A_D0001.tif" /> 【0022】

[Table 2]<img file="JP2004192587A_D0002.tif" /> 【0023】

The "currency handled" is arbitrary, but in this example, there are four types: US dollar, euro, Australian dollar, and British pound. The "settlement deadline" is that there is no settlement deadline so that you can sell at any time and keep your position forever. The "transaction unit", that is, the amount of foreign currency purchase, is arbitrary, but in this example, 100 currency units (100 US dollars, 100 euros, 100 AUD, 100 British pounds) are taken as one unit, and the order is made with this "unit number".

【0024】

"Margin deposit" is the amount of deposit required to reserve one unit. The "application unit" is the "time unit" of the reserve, that is, in this model, it means the number of reserve units per month, and is set to one unit and a small unit. It means the trading quantity condition, that is, the quantity that can be executed by one purchase or sale, and there is no upper limit in this model. "Trading time" is set arbitrarily, but since this model uses monthly reserves, purchases are made at a fixed time two business days after the direct debit date (14:00 in this example), and sales are made at a fixed time every business day. It is set to (14:00 in this example). Positions are evaluated on a regular basis, that is, at a fixed time on each business day (14:00 in this example) with reference to the actual exchange rate of the Internet bank market at that time, and the customer is asked to evaluate each currency handled. I am trying to send the rate.

【0025】

The basic steps (means) of the system of the present invention are as follows. 1) A step in which a customer opens an account at an Internet bank on the Internet and makes an automatic transfer contract. 2) A customer who has a bank account inputs the foreign currency that he / she wants to purchase at regular intervals and the foreign currency purchase condition information that requires the purchase amount from the customer side communication terminal, and inputs the information to the foreign exchange trader side host. Steps to send to. 3) Steps to automatically transfer a certain amount from the bank account to the account of the exchange trader host via the bank communication server, 4) Receive the foreign currency purchase condition information sent from the customer communication terminal and complete the transfer After confirmation, the step of making a currency purchase transaction using the computing device existing in the host. 5) After the purchase, the step of transmitting the valuation profit / loss information including the sum of the valuation profit / loss due to the exchange fluctuation calculated by the calculation device and the valuation profit / loss of the swap point (interest rate difference adjustment) to the customer side communication terminal. 6) Unless the customer's communication terminal sends a message to the foreign exchange trading company host to change the foreign currency purchase conditions, the next foreign currency will be used after a certain period of time based on the foreign currency purchase conditions information recorded in the host. Steps to make additional purchase transactions. 7) After the purchase, the step of calculating and displaying the valuation profit / loss information at least every business day, preferably in real time, using the arithmetic unit existing in the host. 8) A step of transmitting the valuation profit / loss information to the customer-side communication terminal. 9) Steps that repeat 3) to 8).

【0026】

FIG. 2 shows the details of the steps 1) and 2) above, and FIGS. 2 to 13 show the state of the browser at that time. First, when there is access from the customer-side communication terminal via the Internet, the homepage screen shown in Fig. 3 is displayed. Information such as the characteristics and usage of fixed-term funded foreign exchange deposit trading is displayed on the homepage screen. When the "account opening application" button is selected by the customer on this display screen, the "account opening application procedure" screen (not shown) is displayed. Here, the correspondence is different between the case where an account has already been opened at an Internet bank and the case where an account has not been opened.

【0027】

[Customer already has an account at the Internet bank] If the customer already has an account at the Internet bank, click the relevant part to display the "application form" screen shown in Fig. 4. The "application form" screen is provided with fields for writing basic information such as name, address, and e-mail address. Here, when the customer fills in the required items on the application form and clicks the corresponding part not shown in the display screen, a confirmation screen not shown is displayed, and if there is no omission, click the corresponding part on the confirmation screen not shown. Then, the "questionnaire entry screen" shown in Fig. 5 is displayed.

【0028】

On this questionnaire entry screen, fill in the required items and click on the relevant part not shown on the display screen. If there are no omissions, the "Terms and Conditions / Risk Screen" shown in Fig. 6 will be displayed. If the customer carefully reads and understands these contract documents and agrees to these terms and conditions, click the "Understand the risks and agree to the terms and conditions" column at the bottom of the screen to access the Internet. Via, it is connected to the communication server on the Internet bank side, and is connected to the account automatic transfer contract application page in the server. This means that the above-mentioned fixed-term funded foreign exchange deposit trading contract has been concluded between the applicant and the foreign exchange trading company.

【0029】

Figure 7 shows the Internet bank's "automatic fund transfer application processing" screen. If the customer carefully reads and understands these contract documents and agrees to these terms and conditions, click the "Agree" column at the bottom of the screen. Then, you will be connected to the page in the server of the foreign exchange trader via the Internet. This completes the automatic account transfer contract between the customer and the Internet bank.

【0030】

[If the customer does not have an account at the Internet bank] If the customer does not have an account at the Internet bank, he / she must open an account at the Internet bank, which is displayed on the homepage of the foreign exchange trader shown in Fig. 3. Click the "Click here to open an account" button to open it, and click the "No account" selection button. As shown in Fig. 8, you will be connected to the top page on the server of the Internet bank, so it will be displayed. Click "Apply for opening an account".

【0031】

Now, as shown in Fig. 9, the Internet bank account automatic transfer contract application processing screen is displayed, so the applicant who wishes to apply should read the contract terms carefully, understand the contract details, and fill in the necessary items. At the receiving Internet bank, the account opening application form with the input items printed will be mailed at a later date, and the applicant will sign and seal the application form and return it with the identity verification documents, and the account opening procedure will be ready in about one week. .. The Internet bank sends the account number, etc. to the applicant, and at this point the account opening is completed, and the automatic account transfer contract has been concluded between the customer and the Internet bank. The conclusion of this contract will be notified from the Internet bank to the foreign exchange trader via the Internet.

【0032】

Next, when the "login" screen of the home page screen of FIG. 3 is clicked, the "password input screen" shown in FIG. 10 is displayed. This is the screen for logging in to the trading site on the forex trading company side. The applicant himself sets the password, and if he clicks "Password registration" on the screen, the password is set, the "Password issuance screen" is displayed as shown in Fig. 11, and the customer is automatically given the account number. The password set by the customer is also displayed. As a result, the customer can complete all contracts with the foreign exchange trader, obtain information, and make an actual investment.

【0033】

Fig. 11 shows the foreign currency and foreign currency purchase condition information (application input screen) that requires the foreign currency and its purchase amount at the same time as the registration completion screen, and the screen shows the type of foreign currency, the number of units, and the withdrawal of the normal month. There is a setting column for the amount of money, a setting column for the month of increase in the vicinity, and a setting column for the foreign currency name and the number of units for the month of increase. From this screen, the customer inputs the desired currency and the number of units to be accumulated (including the setting of the increase month). After inputting, click "Registration Confirmation" on the screen to display the registration confirmation display screen shown in Fig. 12, the number of units entered by the customer is displayed in the number of units to be withdrawn, and the amount calculated according to the number of units. And the number of foreign currencies are automatically displayed in the withdrawal amount column and the foreign currency display column, respectively. The registration confirmation display screen is also provided with a button for changing the number of units. Here, when the contents are confirmed and "Registration" is clicked, the order is completed and the "application completion screen" shown in FIG. 13 is displayed. Separately, the foreign exchange trader sends a registration completion notice shown in FIG. 14 to the customer in the form of an e-mail for confirmation.

【0034】

As a result, every month, when the designated date comes, the amount for reserve is deducted from the customer's designated account, and foreign currency is purchased. FIG. 15 shows the processing of the foreign exchange trader and the Internet bank in the above steps 3) and 4), and FIG. 16 shows the schedule of fund transfer of investment funds and accumulation (purchase) of foreign currency. In this example, the account transfer date is set to the 25th of every month (if the day is a holiday, it will be transferred to the next business day), and the foreign exchange trader will create the data at 12:00 pm 3 business days before the withdrawal and send it to the Internet bank via the Internet. , When the withdrawal is executed and the amount is confirmed, the customer data is updated, the purchase data is created, the middle price is determined at 2:00 pm on the purchase date, and the calculation device and transmission function (purchase function) in the host are used. And execute the purchase. After that, unless the number of units purchased is changed, a certain amount of money will be transferred from the customer's Internet bank account to the trading account of the foreign exchange trader on the transfer day every month. Then, the purchase function automatically purchases at 2:00 pm on the business day following the transfer date.

【0035】

After executing the purchase in this way, the foreign exchange trader updates the customer data in the host server and notifies the customer by e-mail. In addition, the details of the result of executing the purchase are transmitted to the customer side communication terminal as valuation profit / loss information including the sum of the valuation profit / loss due to the exchange fluctuation and the valuation profit / loss of the swap point. Customers can check this on their browser. This can be confirmed by "purchase / purchase / current receipt history" shown in FIG. 18 described later.

【0036】

After that, the valuation profit / loss information based on the rate fluctuation of the foreign currency purchased in the first transaction is calculated and updated periodically, that is, at least every business day, preferably in real time by the computing device in the host server, and the customer side communication terminal. Will be sent to. The customer can confirm this on the browser and take various measures.

【0037】

Figure 17 shows the top page of the customer-side communication terminal site, which displays a "transaction / inquiry" selection button, a "rate / news" selection button, a "chart" selection button, and a "registration change" selection button. ing. Of these selection buttons, clicking the "Transaction / Inquiry" selection button will take you to the transaction / inquiry page shown in Fig. 18.

【0038】

Explaining this screen, the "order and cancellation" selection button, the "history / inquiry" selection button, and the "deposit / withdrawal" selection button are displayed on the left side of the screen. The "order / cancellation" selection button has "partial cancellation / total cancellation" and "current order" selection buttons, and the "history / inquiry" selection button has "account / position inquiry" and "purchase / cancellation". -There are "current receipt history" and "number change history" selection buttons, and "deposit / withdrawal" has "deposit / withdrawal request", "deposit / withdrawal history", and "deposit / withdrawal cancellation" selection buttons. On the right side of the screen, the "rate news screen" that displays today's mid-price of foreign currencies, buy swaps, sell swaps, and swap units is displayed.

【0039】

In the middle, the "position inquiry screen" is displayed, where "position information" and "valuation gains / losses" are shown, and in the "position information", "currency bear, number of units purchased, foreign currency display," The purchase rate (average) and valuation rate are shown respectively, and the valuation gains and losses show "spot, swap, total" respectively. The "account screen" is displayed at the bottom, where the first item is the asset and its total amount, the second item is the transaction deposit, loss cut and maintenance rate, and the respective amounts are the third item. Margins, sales proceeds, effective holdings, shortfalls, and refundable amounts are shown.

【0040】

If you want to check the order history, you can also know the current status of the account / position by clicking the history inquiry button. If the customer makes a judgment by referring to the above "position inquiry screen" and does not change the current foreign currency purchase conditions, it may not be sent to the host on the foreign exchange trader side. In this case, based on the foreign currency purchase condition information already recorded in the host, a step is taken to make the next additional purchase transaction of the foreign currency after a certain period of time, and the calculation exists in the host after the purchase. Using the device, the second valuation profit / loss information is calculated, and the valuation profit / loss information is transmitted to the customer side communication terminal as described above. The results of this second accumulation, that is, the status of accounts and positions such as the number of units purchased, average purchase rate, valuation gains / losses, and effective holding amount, can be known one by one on the browser as described later. (After that, the above steps are repeated, and the current situation is reported each time, and the customer can check this on the browser and take various measures.

【0041】

When the customer makes a decision by referring to the above "position inquiry screen", "account screen", etc. and wants to change the foreign currency purchase conditions, the following steps are taken. 1) The step of transmitting the information to change the previous foreign currency purchase conditions from the customer side communication terminal to the foreign exchange trader side host. 2) The foreign exchange trader changes the foreign currency purchase condition information recorded in the host, and makes a purchase transaction of foreign currency with that information. 3) A step of transmitting the information to the customer-side communication terminal.

【0042】

More specifically, in this case, the "change registration" button on the screen of FIG. 17 is clicked. As a result, the "withdrawal number change form" screen shown in FIG. 19 appears. Here, the number of withdrawal units change section is arranged at the top, and each column of foreign currency name, number of withdrawal units entry column, foreign currency per unit, and amount of withdrawal amount per unit is displayed. In the middle row, the setting part of the increase month is displayed, and you can enter the desired increase month. At the bottom, the number of additional units is displayed, and the foreign currency name and the number of additional units entry fields are displayed. A change confirmation button and a reset button are provided at the bottom.

【0043】

When the customer fills in the desired number in the number of units and / and the month and amount of increase and clicks the change confirmation button, the information is sent to the host of the exchange trader on the Internet, the data is changed immediately, and the customer side for confirmation It is sent to the communication terminal and the change history is displayed as shown in FIG. The customer now confirms that the change has been made. After that, the foreign exchange trader conducts a purchase transaction of a foreign currency based on the change information, and transmits the information to the customer-side communication terminal. The result of this changed transaction, that is, the number of units and / and the change of the increase month and the reserve amount, etc. can be confirmed on the browser. Figures 21 to 26 show simulations of the first purchase to the sixth purchase. Fig. 21 shows the case where four units of US dollars and euros are purchased, and Fig. 22 (second) shows the case where two units of US dollars and euros are purchased by changing the number of units. Fig. 23 (third time) ~ Figure 26 (6th) shows the result of the purchase without change.

【0044】

Next, if the customer wants to secure profits to date, or if the funds are needed for other purposes, etc., and the foreign currency that has been accumulated is sold and received in yen, the next step is taken. .. 1) When the information to sell all or part of the accumulated foreign currency is sent from the customer side communication terminal to the foreign exchange trader side host, a certain date is set using the computing device existing in the host. -The step of selling all or part of foreign currency in time. 2) Take the step of transmitting the information to the customer side communication terminal and reflecting it in the customer's trading account.

【0045】

In addition, when exchanging (exchange) all or part of the accumulated foreign currency, the following steps are taken. 1) When the information to exchange (exchange) all or part of the accumulated foreign currency is sent from the customer side communication terminal to the exchange trader side host, using the computing device existing in the host, A step of automatically calculating yen funds corresponding to the sales amount of a customer and confirming whether or not the yen funds in the customer's trading account can be applied. 2) The step of exchanging (exchange) foreign currency into yen on a certain date and time using the arithmetic unit existing in the host.

【0046】

To explain in detail, if you click "Partial sale / Full sale" in "Order / Cancellation" on the screen shown in Fig. 18, you can see the current "Position" information and "Account" information as shown in Fig. 27. Is displayed. In FIG. 27, the cancellation quantity input screen for partial cancellation / total cancellation is displayed in the center on the right side of the screen. On this screen, "currency pair, number of canceled units, number of units held, average rate, swap" is displayed as account information, and when the customer enters the quantity and sends it to the host on the forex trading company side, the exchange At the trader side host, the processing as shown in FIG. 28 is performed.

【0047】

When selling foreign currency, for example, if the customer site gives an instruction to cancel (partial or full cancellation) by noon on the day, the sale will be executed at 2:00 pm on the day. Even if the customer cancels the contract, the yen funds are not immediately transferred to the customer's bank account (Internet bank account). Yen funds are once pooled as deposits in the account of the foreign exchange trading company site. In order to transfer this money to the customer's bank account (Internet bank account), you need to enter the instructions on the "Deposit / Withdrawal" page.

【0048】

Figure 29 shows the deposit / withdrawal request page, where the withdrawal procedure is completed only after the withdrawal request is entered. If you click "Deposit / Withdrawal Request" in "Deposit / Withdrawal" on the screen shown in FIG. 18, the "Deposit Notification / Withdrawal Request Input Screen" is displayed in the center of the screen on the right side as shown in FIG. 29. On this screen, "deposit / withdrawal classification, amount, currency unit, and remarks column" are displayed, and the customer inputs the quantity and sends it to complete the transaction. For the transfer to the customer's bank account, for example, two business days after the business day, the funds are actually transferred to the customer's bank account.

【0049】

Figure 30 is a page for checking the deposit / withdrawal history. If you click "Deposit / Withdrawal History" in "Deposit / Withdrawal" on the screen shown in FIG. 18, the "Deposit / Withdrawal History Screen" is displayed in the center of the right screen as shown in FIG. Here, "account number", "reception date and time", "deposit / withdrawal classification", "amount", "currency unit", and "account status" are displayed. In addition, since there is a search condition for searching the reception date and the receipt / payment status here, it is possible to know the deposit / withdrawal history according to each category.

【0050】

Next, the case of withdrawing the accumulated foreign currency as foreign currency (current receipt) will be described. Figure 31 shows a screen for entering cash orders. For example, considering a customer who has a position of $ 10,000, if the average buying cost of the customer is 1 dollar = 120 yen, the total yen base The price is 1,200,000 yen. Since the total reserve fund of the customer is 500,000 yen, it is necessary to have the customer transfer the yen fund of 700,000 yen (= 1,200,000 yen-500,000 yen) for the deducted amount. In addition, a separate fee of 3,500 yen is required for delivery of foreign currency, for example, for each case. Therefore, in order to deliver foreign currency, the customer must transfer 703,500 yen to the account of the "Forex Trading Company Site" via the Internet bank in advance.

【0051】

If you click "Receipt / Receive Order" on the screen shown in FIG. 18, the "Foreign account information" screen appears as shown in FIG. 32. If the customer has not entered the foreign currency account information, enter the required information on this screen. On the screen of Fig. 32, "designated currency", "bank name", "account type", "account number", and "account holder" are displayed respectively. Enter the information in each and click the confirmation button at the bottom. Click to display the confirmation screen shown in Fig. 33. If you click the current order button at the bottom, it will be sent to the host on the foreign exchange trader side. On the screen shown in FIG. 18, if you click "Purchase / Cancellation / Receipt history" in "History / Inquiry", the "Order history screen" is displayed in the center of the right screen. Here, from left to right, "order number", "type", "currency pair", "sell", "buy", "receive", "transaction", "order date and time", "order status", and "established value". And "establishment date" and "transaction profit / loss" are displayed. In addition, since there is a search condition for searching based on the order date and time, currency pair, transaction category, and order status, it is possible to know the order history according to each category.

【0052】

Enter the current and received instructions in Figure 34. If the total yen-based amount and the amount of funds equivalent to the commission already exist in the account, for example, foreign currency and yen will be exchanged in the account of the "Forex Trading Company Site" after 2 business days. To confirm that the exchange has been completed, click the "Account / Position Inquiry" selection button shown in Fig. 18, which will bring up the "Position Inquiry" screen as shown in Fig. 35. To. This screen shows "position information" and "valuation gain / loss", and "position information" shows "currency bear, number of units purchased, foreign currency display, purchase rate (average), evaluation rate" respectively. In the "valuation profit / loss", "spot, swap, total" are shown respectively. The "account screen" is displayed at the bottom, and items, amounts, currency units, etc. are summarized in a table. It also shows the current transaction deposit, loss cut, valuation gains and losses, sale price, effective holdings, shortfalls, and convertible amounts.

【0053】

After the exchange is completed in the account, the foreign currency withdrawal procedure is taken. Figure 29 is a deposit / withdrawal request page. Only after entering the withdrawal request here will the withdrawal procedure be taken. If you click "Deposit / Withdrawal Request" in "Deposit / Withdrawal" on the screen shown in FIG. 18, the "Deposit Notification / Withdrawal Request Input Screen" is displayed in the center of the screen on the right side as shown in FIG. 29. On this screen, "Deposit / withdrawal classification, amount, currency unit, and remarks column" are displayed. Here, when the customer inputs the quantity and sends it, the transaction is completed and the transfer to the customer's bank account is performed. , Complete within 4 business days, for example, after making a withdrawal request. FIG. 36 shows a confirmation screen after the withdrawal has been made.

【0054】

The present invention has a loss cut function. Since the target of the system according to the present invention is margin trading, the leverage is about twice as much. Therefore, if the exchange rate fluctuates in the direction of yen appreciation, there is a risk that the customer's assets (yen basis) will interrupt the investment amount and become negative. In order to prevent the investment amount from becoming zero, we have added a mechanism to automatically close the position when the customer's market value-based assets fall below, for example, 5% of the investment amount. This scheme makes it possible to put an end to the risk of exchange fluctuations to a certain extent. Then, when the exchange rate approaches the above loss cut price, or even when the due date approaches, a warning email is automatically sent to the customer, and the customer takes measures to counter-sell at the will of the customer to increase the loss. It is possible to prevent it.

【0055】

In detail, the following steps are taken. 1) When the effective holding amount (= asset + valuation gain / loss-delivery price) of the customer calculated by the arithmetic unit approaches a certain level of the transaction deposit, the arithmetic unit and communication control unit existing in the host are used. Then, a warning mail is sent to the customer side communication terminal, and a warning message is displayed on the position introduction screen as shown in Fig. 37. 2) If the effective holding amount of the customer calculated by the calculation device falls below a certain level of the transaction deposit, the foreign exchange trader receives information from the customer side communication terminal that the previous foreign currency purchase unit number information will be changed. The step of counter-trading all foreign currency buying positions using the arithmetic units existing in the host unless sent to the side host. 3) As shown in FIG. 38, a step of transmitting the information to the customer-side communication terminal. 4) However, if the customer-side communication terminal sends information to the foreign exchange trading company host to make a deposit to avoid loss cuts, the yen fund transfer information sent from the customer-side communication terminal After receiving and confirming the completion of payment, the computer existing in the host is used to take the step of maintaining the position. FIGS. 39 to 42 show the step screens displayed on the customer-side terminal during the loss cut process.

【0056】

Specific examples of how the present invention is applied to accumulate funds at regular intervals and how customers can manage risks will be described with reference to Tables 3 to 8.

【0057】

[Table 3]<img file="JP2004192587A_D0003.tif" /> 【0058】

[Table 4]<img file="JP2004192587A_D0004.tif" /> 【0059】

[Table 4]

【0060】

[Table 5]<img file="JP2004192587A_D0005.tif" /> 【0061】

[Table 6]<img file="JP2004192587A_D0006.tif" /> 【0062】

[Table 7]<img file="JP2004192587A_D0007.tif" /> 【0063】

[Table 8]<img file="JP2004192587A_D0008.tif" /> 【0064】

Table 3 shows a simulation of a US dollar purchase over 37 months. For the sake of simplicity, we do not consider the transfer of swap points (interest rate difference adjustment), but in reality, the interest rate difference adjustment is reflected every day, so the actual profit and loss is more investment than the example explained below. It is an advantage for the house. The number of reserve units from the first month to the 37th month of the start of reserve, the dollar-yen rate (actual purchase rate) of the purchase time, the cumulative average purchase unit price, the cumulative number of units, and the cumulative deposit amount are summarized in a list.

【0065】

First, suppose that you invested 20,000 yen in the first month and purchased four dollar courses. In this case, the investment amount (dollar basis) is 400 dollars (= 400 dollars x 4 units), and the dollar-yen rate at the time of purchase is 1 dollar = 119 yen, so the average unit price is 119.00 yen per dollar (Table 4). See). In other words, you are buying $ 400 worth of dollars with a deposit of 20,000 yen.

【0066】

In the second month, invest 2 units (10,000 yen) (6 units in total). The purchase rate is 1 dollar = 118.50 yen, and the monthly purchase foreign currency is 200 dollars (= 100 dollars x 2 units). In other words, you are buying $ 200 worth of dollars with a deposit of 10,000 yen. The cumulative investment amount up to the second month is 30,000 yen, the amount of dollars bought is 600 dollars, and the average purchase price of dollars is 1 dollar = 118.83 yen (see Table 5).

【0067】

In the third month, invest 2 units (10,000 yen) (8 units in total). The purchase rate is 1 dollar = 120.00 yen, and the monthly purchase foreign currency is 200 dollars (= 100 dollars x 2 units). In other words, you are buying $ 200 worth of dollars with a deposit of 10,000 yen. The cumulative investment amount up to the third month is 40,000 yen, the amount of dollars bought is 800 dollars, and the average purchase price of dollars is 1 dollar = 119.13 yen (see Table 6). In the case of Table 6, since the dollar-yen rate at the time of valuation is 1 dollar = 120.00 yen, there is a valuation loss of 696 yen. Actually, the swap points (interest rate difference adjustment) for 2 months are added as valuation gain, so it will be more than the valuation gain shown in the table. Since the valuation gain / loss is evaluated at the real-time rate at that time, the latest valuation gain / loss can always be grasped under the ever-changing exchange rate fluctuations.

【0068】

Since the 4th month was a bonus month, we invested 4 units (20,000 yen) (12 units in total). The purchase rate is 1 dollar = 122.00 yen, and the monthly purchase foreign currency is 400 dollars (= 100 dollars x 4 units). In other words, you are buying $ 400 worth of dollars with a deposit of 20,000 yen. The cumulative investment amount up to the 4th month is 60,000 yen, the amount of dollars bought is 1200 dollars, and the average purchase price of dollars is 1 dollar = 120.08 yen (see Table 7). In the case of Table 7, there is a valuation loss of 2304 yen. Actually, the swap points for 3 months (interest rate difference adjustment) are added as valuation gain, so it will be more than the valuation gain shown in the table. In this way, the cumulative investment amount and the actual value evaluated by the exchange rate at that time can be seen visually, which makes risk management easier for investors.

【0069】

Figure 43 is a graph of the monthly exchange rates shown in Table 3 and the average dollar buying cost of investors. It can be seen that risk control is possible by changing the number of reserves each month. Looking at the situation 37 months after the start of funding with reference to Table 8, the cumulative investment amount up to the 37th month is 570,000 yen, the amount of dollars bought is 11,400 dollars, and the average purchase price of dollars is One dollar = 124.21 yen (see Table 7). In the case of Table 8, since the dollar-yen rate at the time of valuation is 1 dollar = 134.00 yen, there is a valuation loss of 111,606 yen. Actually, 37 months' worth of swap points (interest rate difference adjustment) will be added as valuation gain, so it will be more than the valuation gain shown in the table.

【0070】

In foreign currency investment, there has been no easy-to-use small-lot fixed-term funded financial product. This is because 1 exchange rate fluctuates 24 hours excluding Saturdays and Sundays, and 2 swap interest rate (interest rate difference adjustment) is reflected every day, so foreign currency buying costs are averaged and managed. However, it seems that the main reason is that it is difficult to grasp the profit and loss of investors in real time at the exchange rate at that time.

【0071】

On the other hand, in the present invention, in response to the problem of (1), the customer site can set the 24-hour exchange rate excluding Saturdays and Sundays in real time on the foreign exchange trader side host including the communication control device, the WEB server, and the database server. It is delivered to (the screen after the customer logs in). Therefore, it is easy to evaluate the total assets of the customer at market value. Regarding the issue of (2), in foreign exchange trading, swap points (interest rate difference adjustment) are always received and paid when the position exceeds the end time of New York. That is, if you buy a currency with a high interest rate and sell a currency with a low interest rate, you can receive swap points, and conversely, if you sell a currency with a high interest rate and buy a currency with a low interest rate, you pay swap points. Swap points change daily according to economic conditions (interest rate trends). Here, in the present invention, the swap point is changed immediately after the end time of New York on the foreign exchange trader side host including the communication control device, the WEB server, and the database server. Therefore, the total assets of the customer (forex). It is possible to easily calculate the total assets including the valuation gain / loss due to fluctuations and the valuation gain / loss of swap points).

【0072】

For 3 , when selling a part of the position, it is necessary to accurately calculate the average cost of foreign currency, and also accurately calculate the valuation gain / loss due to exchange fluctuations and the valuation gain / loss of swap points. Therefore, in the present invention, the host on the foreign exchange trader side calculates the valuation gain / loss including the sum of the valuation gain / loss due to the exchange fluctuation and the valuation gain / loss of the swap point for each periodic purchase, and the information is calculated by the customer. Since the data is sequentially transmitted to the side communication terminal, the customer can accurately grasp the average cost and the valuation profit / loss.

【0073】

Further, in the case of a foreign currency deposit (fixed-term type), if the contract is canceled before the maturity, an interest rate lower than the initially determined interest rate will be applied, which is disadvantageous to the customer. There is no deadline like. That is, there is no maturity. That is, once a foreign currency is bought, the buying position can be maintained permanently unless the exchange rate moves against the customer's position and the loss is cut, and the customer always sells or receives (exchanges) the foreign currency. ) Can be done.

【0074】

[Effect of the invention]

According to claim 1 of the present invention described above, since the reserve amount is automatically deducted from the Internet bank, it does not take time and effort, and all such as regular purchase and reserve of foreign currency in the minimum investment unit (small reserve). Since the action can be easily performed and the foreign currency purchase cost (total cost including the principal and interest rate difference adjustment) is automatically managed by the computer, the customer can see the amount invested, the current value, and the foreign currency purchase profit / loss at a glance. It has the excellent effect of being able to grasp and provide a fixed-term funded foreign exchange deposit trading system suitable for asset management for individual investors.

【0075】

According to claim 2, the customer can freely change the periodic foreign currency reserve conditions to control the average cost, and provide a periodic reserve type foreign exchange deposit trading system that makes it easy to control the risk of exchange fluctuations. It is in. According to claim 3, it is easy to control the risk of exchange fluctuations and secure and use profits because all or part of the contract can be freely canceled (sold) without waiting for maturity by a simple operation on the Internet. An excellent effect can be obtained. According to claim 5, since the loss cut is automatically performed, the excellent effect that the risk of exchange fluctuations can be easily controlled can be obtained.

[Simple explanation of drawings]

FIG. 1 is an overall configuration diagram of a fixed-term funded foreign exchange deposit trading system to which the present invention is applied.

FIG. 2 is a block diagram showing an initial stage of a basic transaction flow in the present invention.

FIG. 3 is a screen view showing a top page on the foreign exchange trader side in the present invention.

FIG. 4 is an application screen diagram for opening an Internet bank account.

FIG. 5 is a screen view of a questionnaire.

FIG. 6 is a screen view of contracts and risks.

FIG. 7 is a screen view of an Internet bank account automatic transfer application processing.

[Fig. 8] This is the top page of an Internet bank.

FIG. 9 is an application screen diagram of an Internet bank.

FIG. 10 is a screen diagram for entering a password for logging in to a foreign exchange trading company.

FIG. 11 is a password issuing screen and a foreign currency purchase application screen diagram.

FIG. 12 is a screen view of a foreign currency purchase application.

FIG. 13 is a screen view showing the completion of a foreign currency purchase application.

FIG. 14 is a diagram of a notification email indicating the completion of a foreign currency purchase application.

FIG. 15 is a diagram showing a flow of processing procedures between a foreign exchange trader and an Internet bank after applying for a foreign currency purchase.

FIG. 16 is a schedule diagram of fund transfer and foreign currency purchase.

FIG. 17 is a trading top page diagram of a foreign exchange trading company.

FIG. 18 is a transaction / introduction screen diagram.

FIG. 19 is a screen view of a form for changing the number of withdrawal units.

FIG. 20 is a change history screen view.

FIG. 21 is a screen view of a position and an account at the time of the first purchase, showing an example of purchase execution.

FIG. 22 is also a screen view of a position and an account at the time of the second purchase.

FIG. 23 is a screen view of a position and an account at the time of the third purchase.

FIG. 24 is a screen view of a position and an account at the time of the fourth purchase.

FIG. 25 is also a screen view of a position and an account at the time of the 5th purchase.

FIG. 26 is also a screen view of a position and an account at the time of the 6th purchase.

FIG. 27 is a screen view when selling is selected.

FIG. 28 is a chart diagram of a sale process.

FIG. 29 is a screen view of a deposit / withdrawal request at the time of sale.

FIG. 30 is a deposit / withdrawal history confirmation screen diagram.

FIG. 31 is a screen view of a current order receipt.

FIG. 32 is a screen diagram for setting a foreign currency account for current delivery.

FIG. 33 is a screen view of a foreign currency account confirmation screen for current delivery.

FIG. 34 is a screen view of a current delivery / delivery instruction.

FIG. 35 is a screen view of an account / position inquiry after the current delivery.

FIG. 36 is a screen view of deposit / withdrawal history after the current delivery.

FIG. 37 is an account / position inquiry screen diagram near the loss cut.

FIG. 38 is an account / position inquiry screen diagram after loss cut.

FIG. 39 is a deposit processing step diagram when a loss cut occurs.

FIG. 40 is a step diagram of a payment process when a loss cut occurs.

FIG. 41 is a step diagram of a payment process when a loss cut occurs.

FIG. 42 is a step diagram of a payment process when a loss cut occurs.

FIG. 43 is a diagram showing changes in exchange rates and average costs of transaction examples.