JP5979800B1 - Financial product trading order system and program - Google Patents

Abstract

The present invention provides a financial product buying and selling order system capable of improving customer convenience and securing an ordering opportunity. [Solution] When the approximate delivery amount of a buy order for foreign stocks exceeds the amount available for purchase in the transaction currency (Hong Kong dollars, etc.) at the time the order is received, the excess amount is converted into another currency (yen, etc.) due to a lack of transaction currency. ) To store in the binding amount DB 55 as a binding amount for), or to execute processing to reduce the binding amount within the range of the difference between the approximate delivery amount and the contract delivery amount when a purchase order is executed, After the completion, automatic currency transfer is performed to calculate the daily transaction currency shortage amount of each customer using the binding amount in the binding money DB 55 and to transfer the daily transaction currency shortage amount from another currency to the transaction currency Means 36 is provided to configure the buying and selling order system 10. [Selection] Figure 1

Description

  The present invention relates to a financial product trading order system and program configured by a computer that executes processing related to the trading order of financial products. For example, when trading foreign stocks such as US stocks and Chinese stocks through a Japanese securities company Can be used for etc.

  Conventionally, when investing in foreign stocks, there are two settlement methods: foreign currency settlement and yen settlement. At this time, even if the customer deposits yen and foreign currency in a financial institution such as a securities company, according to the conventional system, the amount that can be purchased is either the yen customer account or the foreign currency customer account. .

  In addition, in order to have a foreign currency customer account, it is necessary to conduct exchange transactions from yen to foreign currency. In addition, deposits in foreign currency, sweeps from MRF (Money Reserve Fund), etc. There is also. Therefore, an investor must make a trade currency (for example, US dollars in advance) when making a foreign currency settlement (for example, for settlement of US stock trading orders in US dollars deposited with a securities company). Transactions are made from the foreign currency customer account after the exchange transfer to

  In addition, an investor makes an order from a customer account in yen when making a yen settlement (for example, in the case of settlement in US dollars with a securities company for a trading order for US stocks). Settlement. Since the actual transaction currency is the local currency (for example, US dollars, etc.), financial institutions such as securities firms need to procure foreign currency for investors to conduct exchange transactions from yen to foreign currency. Is going.

  As related technology, there is known an order system that provides a user with an environment in which securities such as foreign stocks (for example, US stocks) can be traded based on an order at an order price in a settlement currency (for example, yen). Patent Document 1). This order system is an order system for placing an order with respect to a trading system for trading securities. A transaction currency (the currency in which securities are traded) and a settlement currency (used by a user for settlement of buying and selling of securities) An exchange rate storage unit for storing exchange rates between the transaction currency, an input receiving unit for accepting input by a user of an order price in the settlement currency of securities to be traded, and an order price in a settlement currency based on the exchange rate An order price conversion unit for converting into an order price in a transaction currency, and an ordering unit for placing a transaction order for securities on the transaction system based on the order price in the transaction currency are provided.

JP 2009-217702 A

  As described above, conventionally, in order to make a foreign currency settlement, it is not possible to place an order unless a foreign exchange transaction from a yen currency to a transaction currency is performed. For this reason, it may take several days before an actual order can be placed. For example, if you have Hong Kong dollars (HKD) but do not have US dollars (USD), and you want to start trading new US stocks, you can transfer from Hong Kong dollars to yen, and then further transfer to US dollars. There was a need to do.

  In addition, if there is a brand that you want to buy and you are trying to place an order, you may purchase if both the customer account in yen and the customer account in foreign currency are insufficient for the purchase. could not. In other words, the purchase could not be made unless currency exchange was made so that one of the customer accounts would exceed the amount necessary for the purchase.

  Therefore, even if the customer's investment funds deposited in a financial institution such as a securities company are dispersed in multiple currencies, it will be easy to make purchases without the hassle and time of transfer. It is convenient and will lead to securing opportunities for investors to place orders.

  An object of the present invention is to provide a financial product buying and selling order system and program capable of improving customer convenience and securing an ordering opportunity.

The present invention is a financial product buying and selling order system configured by a computer that executes processing related to trading orders of financial products,
A fixed balance database that stores a fixed balance of each currency that a customer deposits with a financial institution as funds to be used for ordering and selling financial products in association with customer identification information;
Order accepting means for executing processing for receiving order data of trading orders of financial products transmitted via a communication line from a customer terminal device operated by a customer or its input agent;
In response to an order using the order data of the financial product buy / sell order received by the order accepting means, the contract data of the trade order of the financial product transmitted from the market system via the communication line is received, and the received contract data A means for executing processing for storing the information in the contract database in association with the customer identification information;
When the order data received by the order acceptance means is the order data of a buy order, the approximate delivery amount determined from the order data of this buy order is related to the customer identification information of the customer who placed the order in the confirmed balance database. When the transaction currency exceeds the available purchase amount of the transaction currency at the time of order reception calculated using the stored transaction currency fixed balance, the excess amount is bound to other currencies other than the transaction currency due to a lack of transaction currency Approximate delivery amount of the restraint amount stored in the constraint database stored in the constraint database at the time of purchase order acceptance linked to the customer identification information and stored in the constraint database at the time of purchase order acceptance when the purchase order is executed Buys that are reduced within the range of the difference between the contract delivery amount determined from the purchase order contract data stored in the contract database One of the two processing statements commitments case of restraint reduction processing, or to perform both of the processing, or buy orders accepted during the restraint process is order commitments case of restraint reduction processing buy to run and restraint means you do not run,
After the transaction ends, the amount of each customer's binding amount or the total amount of the binding amounts stored in the binding database associated with the customer identification information of each customer is insufficient for each customer's daily transaction currency. Either the amount of money, or the amount of each customer's binding amount or the total amount of multiple binding amounts stored in the binding amount database in association with each customer's customer identification information. The date of each customer that occurred on that day is calculated by subtracting the amount that can be purchased in the transaction currency at the end of the transaction for each customer, which is calculated using the determined balance in each customer's transaction currency stored in the fixed balance database. An automatic transaction that executes the automatic currency transfer process that transfers the amount of transaction currency shortage of each customer to the transaction currency from the other currency. It is characterized in that a transfer means.

  Here, the “transaction currency” is the currency used to buy and sell the financial products in the trading market of the financial products (for example, stocks, bonds, investment trusts, etc.) that are subject to the buying and selling order, For example, when placing a buy / sell order for US stocks, it is in US dollars (USD); when placing a trade order for Chinese stocks, it is Hong Kong dollars (HKD); when placing a trade order for Japanese stocks, It is.

  In addition, “the purchaseable amount of the transaction currency at the time of order reception calculated using the fixed balance of the transaction currency stored in the fixed balance database” in the “binding means” is stored in the fixed balance database. The fixed balance of the transaction currency does not change with intraday transactions, but the amount that can be purchased in the transaction currency increases or decreases with intraday transactions based on the final balance of the transaction currency. It means the value at the time of order reception. Similarly, “amount of transaction currency that can be purchased at the end of each customer's transaction calculated by using the fixed balance of each customer's transaction currency stored in the fixed balance database” in “automatic currency transfer means” This means the value at the end of the transaction while increasing or decreasing as described above.

  In the present invention, when a purchase order for a financial product is made, even if the purchase funds held in the transaction currency (the currency used for the transaction of the financial product) are insufficient, other than the transaction currency If you have another currency, you can handle the shortage of the transaction currency by performing a process to constrain the other currency at the time of accepting the purchase order, and performing an automatic currency transfer process based on the restrained amount after the transaction ends on that day. It can be supplemented with currency.

  For example, if the Hong Kong dollar (HKD), which is the transaction currency, is insufficient when purchasing Chinese stocks, or the US dollar (USD), which is the transaction currency when purchasing US stocks, is another currency If you have yen, you can make up for the shortage of transaction currency with yen. In addition, even if there is a shortage of yen as the transaction currency at the time of purchase of Japanese stocks, if you have other currencies such as Hong Kong dollar (HKD) or US dollar (USD), the shortage of transaction currency will be reduced to Hong Kong dollar (HKD) And US dollars (USD). Furthermore, if the transaction currency Hong Kong dollar (HKD) is insufficient when purchasing Chinese stocks, if you have another currency, the US dollar (USD), make up the shortage of the transaction currency with the US dollar (USD). It is also possible. As a system, all these forms may be possible, or only some forms may be possible, and if all forms are possible, Diversity in the form of fund holding and transaction will increase the most, but even if some forms are possible, the diversity in the form of holding funds and transaction is increasing compared to the past. .

  For this reason, if you have multiple currencies as funds for purchase, you can purchase financial products in the combined state. This eliminates the need for time and labor, and also eliminates the need for a lot of time for processing such as transfer, thereby improving customer convenience.

  Conventionally, when you want to purchase a financial product, even if you have multiple currencies as funds for purchase, if any currency has not reached the amount required for the purchase, transfer, etc. Since it was necessary to concentrate the funds for purchase in one currency, the customer made a decision not to make a purchase in consideration of the effort, and it took time for procedures such as transfer As a result, ordering opportunities were sometimes missed. However, according to the present invention, these problems are solved, and it is possible to place an order immediately when it is desired to purchase a financial product, so that an ordering opportunity for a customer is secured and the order is increased. . For financial institutions such as securities firms, it is possible to expect side effects such as an increase in commission income due to an increase in customer ordering opportunities. The above-mentioned purpose is achieved by these.

Moreover, in the above-described financial product buying and selling order system,
Order acceptance means
Transaction currency by converting the available amount of other currency calculated using the fixed balance of other currency stored in the fixed balance database in association with the customer identification information of the customer who placed the order, using the exchange rate for evaluation Calculate the convertible purchase amount indicated in units, and calculate this convertible purchase amount using the fixed balance of the transaction currency stored in the fixed balance database in association with the customer identification information of the customer. For the display of the order screen including the display of this hybrid purchaseable amount by calculating the hybrid purchaseable amount expressed in transaction currency units by adding the amounts for multiple currencies by adding to the purchaseable amount of the transaction currency Execute the order screen transmission process to send data to the customer terminal device via the communication line,
In this order screen transmission process, when the binding amount is stored in the binding database in association with the customer identification information of the customer, the calculation process of the purchase amount of other currency and the purchase amount of transaction currency It is desirable that the processing includes a process of subtracting the restraint amount for the currency that is restrained and a process of adding the restraint amount for the shortage currency that caused the restraint.

  Here, the “amount available for purchase in other currency calculated using the fixed balance in other currency stored in the fixed balance database” is the same as the case of the “amount available for purchase in transaction currency” described above. Yes, the fixed balances in other currencies stored in the fixed balance database do not change during daytime transactions, but the amount available for purchase in other currencies increases or decreases during daytime transactions based on the fixed balances in other currencies. Therefore, it means the value at the time of order screen transmission processing while the number is increasing or decreasing. Therefore, the calculation process of “Available amount of transaction currency” and “Available amount of other currency” at a certain time (during the transaction and any time before and after) is determined based on the fixed balance. According to the rules (rules determined by financial institutions such as securities companies), the amount element to be reflected at that time is increased or decreased, and the rule includes a process for increasing or decreasing the amount of restraint generated by the restraint means.

  In addition, regarding the calculation of “Purchasable amount of other currencies” and “Purchasable amount of transaction currency”, the “cursor currency” and “insufficient currency that caused the constraint” This is because the transaction currency for transactions that accept orders in and other currencies may have a different combination with the transaction currency and other currencies for transactions that were bound at an earlier time. is there. For example, when the transaction currency US dollar (USD) is insufficient, if the shortage is compensated with other currency yen, and then an order for Chinese stocks is made, the transaction currency will be Hong Kong dollar (HKD). Suppose that the shortage is compensated with yen, which is another currency. At this time, since the transaction currency is not the US dollar (USD) but the Hong Kong dollar (HKD), the Hong Kong dollar (HKD), which is the transaction currency, does not fall under the “insufficient currency causing restraint”. The amount of money that can be purchased by HKD) is not related to the amount of restraint against yen due to a shortage of US dollars. On the other hand, in the calculation process of the yen purchaseable amount, the amount of restraint on the yen due to the shortage of US dollars is related.

  The reason for not only subtracting the restraint amount for “cursed currency” but also adding the restraint amount for “insufficient currency causing restraint” is as follows. First, for both the transaction currency for the transaction for which the order is currently being received and any other currency, if the order placed at an earlier time is restricted for each currency Therefore, it is necessary to reduce the purchaseable amount by the amount of the restriction. On the other hand, for the shortage currency that has been restrained, if the approximate delivery amount or the contract delivery amount of the purchase order that has been restrained is directly reduced when calculating the possible purchase amount, it will be reduced too much. It is necessary to reduce the reduction by the amount of restraint. In other words, since the other currency (the other currency in the order made at an earlier time point) is bound, the amount of the bound amount does not need to be reduced from the shortage currency. Therefore, for the “insufficient currency that caused the constraint”, the normal increase / decrease process of straightly reducing the approximate delivery amount or contract delivery amount of the purchase order that caused the constraint is performed, and the process of adding the constraint amount is performed. Do.

  In this way, when it is configured to display the hybrid purchaseable amount on the order screen, the customer can easily grasp the purchaseable amount in the state where the funds purchased in multiple currencies are combined. It becomes possible to determine the purchase amount (purchase quantity) of the financial product to be purchased by referring to the display of the hybrid purchase possible amount. This improves the usability of the system for the customer.

Furthermore, in the case of a configuration that displays the hybrid purchase possible amount on the order screen described above,
When the fixed balance of three or more currencies is stored in the fixed balance database, the input from the customer terminal device regarding the priority order in which these three or more currencies are used as funds for the purchase and sale order of the financial product is accepted and accepted. Priority order setting means for executing processing for storing priority order data indicating the relationship between the priority order and the currency type in the priority order database in association with the customer identification information,
Order acceptance means
Purchase of two or more other currencies calculated using the fixed balance of two or more other currencies other than the transaction currency out of the three or more currencies when the confirmed balance database stores three or more currencies. Two or more convertible purchaseable amounts expressed in transaction currency units are calculated by converting each of the convertible purchase amounts at the evaluation exchange rate, and these two or more convertible purchaseable amounts are stored in the fixed balance database. By adding to the available amount of transaction currency calculated using the fixed balance of the transaction currency in question, the total amount of 3 or more currencies is added up to calculate the hybrid purchaseable amount shown in transaction currency units. It is configured to execute order screen transmission processing for transmitting order screen display data including display of a purchaseable amount to a customer terminal device via a communication line,
The restraint means
Using priority order data stored in the priority order database in association with the customer identification information of the customer who placed the order at the time of the purchase order acceptance restraint process, each of the two or more other currencies in descending order of priority. It is good also as a structure which performs the process which determines the amount of restraint of this, and stores the determined amount of restraint of each other currency linked | related with customer identification information in a restraint amount database.

  In the case of the configuration including the priority order setting means and the priority order database as described above, when the transaction currency becomes insufficient in the state where the purchase funds are held in two or more other currencies other than the transaction currency, 2 It becomes possible to determine the amount of restraint for each of the above-mentioned other currencies in descending order of priority. So, for example, if you have a shortage of Hong Kong dollars (HKD) at the time of purchase of Chinese stocks, and you have yen and US dollars (USD) at that time, first make up for the shortage of Hong Kong dollars (HKD) with high-priority yen (Restriction on yen is performed.) If this is not enough, it is possible to realize a process of making up with the US dollar (USD) having a low priority (restraining the US dollar).

In addition, when configured to display the hybrid purchase possible amount on the order screen as described above,
Among the fixed balances of each currency stored in the fixed balance database, the arbitrary or specific currency out of the purchaseable amount of the arbitrary or specific currency calculated using the fixed balance of the arbitrary or specific currency Accept the input from the customer terminal device about the amount or the ratio of the amount to be allocated to the convertible purchase amount constituting the hybrid purchase amount when the currency different from the transaction currency becomes, or the received allocation amount or An allocation setting means for executing a process of storing the ratio of the amount in the allocation database in association with the customer identification information;
Order acceptance means
When calculating the hybrid purchase possible amount, it is possible to purchase other currencies using the allocation amount or the percentage of the amount stored in the allocation database associated with the customer identification information of the customer who placed the order The allocated amount of the amount is determined, the determined allocated amount is converted at the exchange rate for evaluation to calculate the convertible purchase amount shown in the transaction currency unit, and this converted purchase amount is converted into the purchase amount of the transaction currency. It is good also as a structure which performs the process added to the attachable amount.

  In this way, when the allocation setting means and the allocation database are provided, when the transaction currency is insufficient, some of the purchased funds held as other currencies are compensated for the lack of transaction currency. It becomes possible to allocate funds for. Thus, for example, if you have US dollars (USD) or Hong Kong dollars (HKD) and you buy US stocks with US dollars as your trading currency, you may specify the specified amount of yen (the remaining amount of the specified amount). ) Or the designated percentage is allocated to funds to make up for the shortage in the case of a shortage of US dollars (restricted against the yen due to the shortage of US dollars), and when purchasing Chinese shares with Hong Kong dollar as the transaction currency, It is possible to allocate an amount (which may be the remaining amount of the specified amount) or a specified percentage to funds for making up for the shortage when the Hong Kong dollar is short (restraint against yen due to shortage of Hong Kong dollar).

And in the financial product buying and selling order system described above,
Receives the hook data used to calculate the exchange rate for evaluation transmitted from the administrator terminal device operated by the system administrator via the communication line, and stores the received hook data in the hook registration database in association with the rate type. A hook registration means for executing the processing to be performed,
Order acceptance means
Exchange rate for evaluation to convert the amount of other currency into the amount of transaction currency using the item data stored in the item registration database and the value of each exchange rate acquired from the financial information providing system via the communication line It is desirable to have a configuration that executes a process of calculating.

  In this way, when it is configured with a hook registration means and a hook registration database, a financial institution such as a securities company can adjust the hook according to market changes, and in the event of a sudden market change When the transaction currency is insufficient, it is also possible to cancel the process of supplementing the shortage with another currency (the process of restricting the other currency and performing the automatic currency transfer from the other currency to the transaction currency after the transaction ends). Even in the case of cancellation, it is possible to accept orders only in the transaction currency, and only return to the conventional settlement method.

In the financial product buying and selling order system described above,
The restraint means
When the contract data received by the contract means is contract data of a sell order, if there is a restraint amount stored in the restraint database associated with the customer identification information of the customer who placed the contract sell order, A configuration may be adopted in which a sell order contract restriction reduction process is executed to reduce the restraint amount within a delivery amount range determined from order contract data.

  In this way, when it is configured to execute the restricted processing for selling order contracts, the total amount of restricted money at the end of the day's transaction is reduced, so the amount subject to automatic currency transfer is reduced. Thus, it becomes possible to carry out automatic currency transfer processing for the minimum necessary amount.

Furthermore, in the financial product buying and selling order system described above,
Order acceptance means
Converted purchases that are calculated using the fixed balance of each currency stored in the fixed balance database and converted by the respective exchange rates for evaluation and converted into virtual currencies for each currency. By calculating the possible amount and summing up these convertible purchaseable amounts, the hybrid purchaseable amount shown in virtual currency units is calculated by summing up multiple currencies, and is further shown in transaction currency units. Converts the unit price of financial products at the exchange rate for evaluation between the transaction currency and virtual currency, calculates the converted unit price of the financial product expressed in virtual currency units, and includes the display of the hybrid purchase price and the converted unit price In addition to executing order screen transmission processing for transmitting order screen display data to a customer terminal device via a communication line,
In this order screen transmission process, if the binding amount is stored in the binding money database in association with the customer identification information of the customer, the currency in which the purchase is possible for each currency It is also possible to include a process of subtracting the amount of money for restraint and a process of adding the amount of money for restraint for the shortage currency that caused the restraint.

  In this way, when the configuration is used to display the hybrid purchaseable amount and the converted unit price using the virtual currency, the customer can add the hybrid purchaseable amount by summing up the purchase funds of each currency he has, and The unit price of the financial product to be purchased can be grasped in units of virtual currency, and the amount to be purchased and the quantity to be purchased can be considered in units of virtual currency. For this reason, regardless of the transaction currency in which the financial product you want to purchase is purchased, without being aware of the value of the transaction currency itself (~ US dollar, ~ Hong Kong dollar, ~ yen, etc.) The amount of money (amount indicated in virtual currency units) and the quantity to be purchased can be determined. For example, if the hybrid purchaseable amount shown in virtual currency units is 1,000 coins and the conversion unit price of the financial product shown in virtual currency units is 10 coins, quantity = 100 (100 shares, 100 shares) ), It is possible to grasp that it is possible to purchase up to 500 coins, or to purchase 50 (50 shares, 50 shares). become.

  In addition, on the order screen, display using virtual currency is performed, and the purchase quantity conscious of virtual currency by the customer is input, but the received order data is received by the system and the purchase order is permitted In the later stage, processing using actual transaction currency and other currencies (restraint, automatic currency transfer, settlement, etc.) may be performed in the system.

  The program of the present invention is for causing a computer to function as the financial product buying and selling order system described above.

  The above-mentioned program or a part thereof is, for example, a magneto-optical disk (MO), a read-only memory (CD-ROM) using a compact disk (CD), a CD recordable (CD-R), a CD rewritable (CD -RW), read-only memory (DVD-ROM) using digital versatile disk (DVD), random access memory (DVD-RAM) using DVD, flexible disk (FD), magnetic tape, hard disk, It can be recorded on storage media such as read-only memory (ROM), electrically erasable and rewritable read-only memory (EEPROM), flash memory, and random access memory (RAM) for storage and distribution. And, for example, a local area network (LA ), A metropolitan area network (MAN), a wide area network (WAN), a wired network such as the Internet, an intranet, or an extranet, or a wireless communication network, or a combination thereof. It is also possible to carry it on a carrier wave. Furthermore, the above program may be a part of another program, or may be recorded on a recording medium together with a separate program.

  As described above, according to the present invention, when a purchase order for a financial product is made, even if the purchase funds held in the transaction currency (the currency used for the transaction of the financial product) are insufficient, If you have a currency other than the transaction currency, you can process the transaction by constraining the other currency when accepting an order for a purchase order, and perform automatic currency transfer processing based on the constrained amount after the transaction ends that day. Since the currency shortage can be compensated with other currencies, there is an effect that it is possible to improve customer convenience and secure an ordering opportunity.

1 is an overall configuration diagram of a financial product trading order system according to an embodiment of the present invention. The figure which shows the record structure of the fixed balance database of the trading order system of the said embodiment. The figure which shows the record structure of the order database of the buying and selling order system of the said embodiment. The figure which shows the record structure of the contract database of the trading order system of the said embodiment. The figure which shows the record structure of the exchange database of the sales order system of the said embodiment. The figure which shows the record structure of the deposit / withdrawal database of the trading order system of the said embodiment. The figure which shows the record structure of the binding money database of the buying and selling order system of the said embodiment. The figure which shows the record structure of the hook registration database of the buying and selling order system of the said embodiment. The figure which shows the record structure of the rate database of the trading order system of the said embodiment. The figure which shows the asset condition display screen of the trading order system of the said embodiment. The figure which shows the order screen of the sales order system of the said embodiment. The figure of the flowchart which shows the flow of a process from order reception by the sales order system of the said embodiment to payment. The figure which shows the specific example (the 1) of the restraint and automatic currency transfer pattern 1 and 2 of the said embodiment. The figure which shows the specific example (the 2) of the restraint and automatic currency transfer pattern 1 and 2 of the said embodiment. The figure which shows the specific example (the 3) of the restraint and automatic currency transfer pattern 1 and 2 of the said embodiment. The figure which shows the specific example (the 1) of the restraint and automatic currency transfer pattern 3 of the said embodiment. The figure which shows the specific example (the 2) of the restraint and automatic currency transfer pattern 3 of the said embodiment.

  An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows the overall configuration of a trading order system 10 for financial products such as foreign stocks of the present embodiment. 2 to 9 show the record structures of the databases 50 to 57. FIG. FIG. 10 shows an example of the asset status display screen 100, and FIG. 11 shows an example of the order screen 200. FIG. 12 is a flowchart showing the flow of processing from order acceptance to settlement by the buying and selling order system 10. Further, FIGS. 13 to 17 show specific examples of restraint / automatic currency transfer patterns 1, 2, and 3.

  In FIG. 1, a trading order system 10 includes a trading order server 20 that executes various processes related to trading orders for financial products such as foreign stocks and stores data necessary for various processes. One or a plurality of customer terminal devices 70 can be connected to the trade order server 20 via the network 1 which is a communication line, and one or a plurality of managers are connected via the network 2 which is a communication line. The terminal device 71 can be connected. Further, the market system 80 is connected to the trade order server 20 via the communication line 3 (or the communication line 3 and other system not shown), and further, the financial information providing system 90 is connected via the communication line 4. Has been.

  Here, the networks 1 and 2 may be common networks and are mainly the Internet, but may be LAN, MAN, WAN, intranet, extranet, or a combination of these and the Internet, and are wired or wireless. In addition, regardless of whether the type is a mixed type of wired and wireless, it is sufficient that information can be transmitted at a certain speed between a plurality of points (regardless of the length of the distance). The network 2 that connects the trade order server 20 and the manager terminal device 71 may be an internal network such as an in-house network, for example, and may be a network different from the network 1 for connecting the customer terminal device 70. The communication lines 3 and 4 are mainly dedicated lines, but may be networks.

  The buy / sell order server 20 is composed of one or a plurality of computers (for example, a Web server, an application server, a database server, etc.) managed by a financial institution such as a securities company, and various types related to buy / sell orders for financial products such as foreign stocks. Processing means 30 for executing processing, fixed balance database 50, order database 51, contract database 52, exchange database 53, deposit / withdrawal database 54, binding database 55, credit registration database 56, rate connected to processing means 30 A database 57, an allocation database 58, and a priority order database 59 are included.

  The processing unit 30 includes an asset status display unit 31, an order receiving unit 32, an ordering unit 33, a contracting unit 34, a binding unit 35, an automatic exchange transfer unit 36, a settlement unit 37, and an exchange transaction unit 38. The depositing / withdrawing means 39, the hook registration means 40, the assignment setting means 41, and the priority order setting means 42 are included.

  The asset status display means 31 transmits display data for the asset status display screen 100 to the customer terminal device 70 via the network 1 in response to a transmission request for the asset status display screen 100 (see FIG. 10) from the customer terminal device 70. The process which performs is performed. At this time, the asset status display means 31 executes processing for calculating numerical information to be displayed on the screen each time it is displayed.

  <Calculation processing of transaction surplus> The asset status display means 31 executes calculation processing of transaction surplus as follows. In the following, the method of calculating the purchaseable amount, transferable amount, and withdrawal amount is in accordance with the rules established by financial institutions such as securities companies, and is only an example. In such a case, rules may be established so that these amounts are reduced. Therefore, what is important in the present invention is to generate a restraint by the restraint means 35 and to handle the restraint amount when the restraint is generated, in contrast to the method of calculating the amount that is normally performed outside the present invention. . For this reason, in the description of the claims in the present invention, the calculation process of the purchaseable amount is based on the fixed balance and refers to the increase / decrease process using the restraint amount generated in the restraint process by the restraint means 35. I stay.

  <Y1> “Purchasable amount (USD) = Y1 (US $)” in the asset status display screen 100 of FIG. 10 is the US dollar (transaction currency) and yen currency (other currencies) for US stock transactions. This is the amount of money that can be purchased in units of US dollars (transaction currency). The hybrid purchaseable amount “Purchasable amount (USD) = Y1 (US $)” is “Purchasable amount (internal and foreign currency) = Y2 (US $)” and “Purchasable amount (of which Yen) = Y3 (yen) "divided by the exchange rate for evaluation, and the total amount that can be purchased by conversion. That is, Y1 = Y2 + (Y3 / exchange rate for evaluation). For example, in FIG. 10, the exchange rate for evaluation is 102.50 yen / US $, and Y1 = 200000.00 + 4,100,000 / 102.50 = 60,000.00 (US $).

  Note that “purchasable amount (USD) = Y1 (US $)” may be displayed separately for the taxable account amount (US $) and the non-taxable account amount (US $).

  <Y2> “Purchasable amount (internal and foreign currency) = Y2 (US $)” in the asset status display screen 100 of FIG. 10 is a purchase based only on US dollars (transaction currency) held by customers when trading US stocks. It is the amount that can be attached. This “Purchasable amount (internal and foreign currency) = Y2 (US $)” is calculated as follows.

  Y2 = Determined balance Z2 ± Amount for purchase available on the day B + Restricted amount (If a currency other than USD is constrained due to a shortage of US dollars (USD)) − Restricted amount (Restricted amount against US dollar (USD))

  Note that the amount B for the purchaseable amount reflected on the day B (details will be described later) is the same as the amount A for the deposit reflected on the day A (details will be described later), so the deposit (USD) = S2 ( (US $) can also be calculated as follows: Y2 = S2 + binding amount (when a currency other than USD is bound due to lack of US dollars (USD)) − binding amount (binding amount against US dollar (USD)).

  That is, “Purchasable amount (internal and foreign currency) = Y2 (US $)” is based on the confirmed balance Z2 (US $) of US dollar (USD) in the confirmed balance database 50 of FIG. The amount reflected on the day B (details will be described later) is increased or decreased, and the amount of restraint is increased or decreased.

  Here, regarding the increase / decrease of the binding amount, first, as processing of “+ binding amount (when a currency other than USD is bound due to a shortage of US dollars (USD))”, the binding amount K2 (US $) (However, among the constraint types K1, the total amount equivalent to US $ in the case of yen constraint due to lack of USD) is added. The reason for adding the restraint amount K2 (in the case of yen restraint due to lack of USD) is not to reduce the approximate delivery amount or contract delivery amount of the purchase order that caused the restraint straight from the purchaseable amount as it is, This is because it is necessary to reduce the amount of reduction by the amount of restraint amount K2 for yen (other currencies). In other words, since the yen (other currency) has been restrained, the restraint amount K2 does not need to be reduced from the US dollar (transaction currency). Therefore, as a process of “± Buyable amount B on the day of purchase”, the approximate delivery amount or contract delivery amount of the purchase order that caused the restraint will be reduced straight and “+ restraint amount (USD (USD) shortage) As a process of “when a currency other than USD is constrained by”), the amount of restraint amount K2 with respect to the yen (other currency) is added. For example, when a purchase of 10,000 (US $) is made, if 2,000 (US $) is insufficient, the yen is restrained by the amount of 2,000 (US $) that is insufficient. Therefore, since the US dollar (transaction currency) can be purchased by 8,000 (US $), the estimated delivery amount of the purchase order or the contracted delivery amount of 10,000 (US $) will be reduced straight. And 2,000 (US $) of the restraint amount is added. In addition, with regard to “+ restraint amount (when a currency other than USD is restrained due to a shortage of US dollars (USD))”, a system configuration that can supplement the shortage of US dollars (USD) with Hong Kong dollars (HKD) and other currencies In such a case, the case of HKD restraint due to lack of USD includes the case of other currency restraint due to lack of USD.

  Next, as the processing of “-binding amount (binding amount with respect to US dollar (USD))”, the total amount of binding amount with respect to the US dollar (USD) generated for other reasons is subtracted. In addition, the “-binding amount (binding amount against US dollar (USD))” is a system configuration that can make up for a shortage of yen, Hong Kong dollar (HKD), and other shortages in US dollars (USD). Includes a case of USD restraint due to lack of yen, a case of USD restraint due to lack of Hong Kong dollars (HKD), and a case of USD restraint due to lack of other currencies.

  <Y3> “Purchasable amount (in yen) = Y3 (yen)” in the asset status display screen 100 in FIG. 10 can be purchased in customer-owned yen (other currencies) when trading US stocks. It is a forehead. In addition, the amount (US $) in parentheses immediately below it is a convertible purchase amount obtained by dividing Y3 (yen) by the exchange rate for evaluation. This “Purchasable amount (in Japanese yen) = Y3 (yen)” is calculated as follows.

  Y3 = confirmed balance Z1 ± the amount reflected on the day for purchaseable amount B + restricted amount (when a currency other than yen is restrained due to a lack of yen) −restricted amount (restricted amount for yen)

  Note that the amount B for the purchaseable amount reflected on the day (details will be described later) is the same as the amount A for the deposit reflected on the day A (details will be described later), so the deposit (yen) = S1 (described later) Y3 = S1 + amount of restraint (when a currency other than yen is restrained due to a shortage of yen) −amount of restraint (amount of restraint for yen) can also be calculated.

  That is, “Purchasable amount (in yen) = Y3 (yen)” is based on the fixed balance Z1 (yen) of yen in the fixed balance database 50 of FIG. The details will be described later), and the amount of restraint is increased or decreased.

  Here, regarding the increase / decrease in the amount of restraint, first, regarding the processing of “+ amount of restraint (when a currency other than yen is restrained due to lack of yen)”, in this embodiment, foreign stocks (US stocks, Hong Kong stocks, etc.) However, there is no applicable binding amount. However, when purchasing Japanese shares, the shortage of yen is deducted from the US dollar (USD), Hong Kong dollar (HKD), and other currencies. In the case of a system configuration that can be compensated for, add the total amount of restraint K2 (in the case of USD restraint due to lack of yen, in the case of HKD restraint due to lack of yen, or other currency restraint due to lack of yen). become.

  Next, as the processing of “-binding amount (binding amount for yen)”, the binding amount K3 (yen) in the binding database 55 of FIG. 7 (however, in the case of yen constraint due to lack of USD among the constraint types K1, HKD Subtract the total amount of yen restraint due to shortage). In addition, when the system configuration is such that other currency shortages can be compensated with yen, the case of yen restraint due to other currency shortages is included. In addition, if there is a binding amount for yen generated due to other circumstances, the binding amount is also deducted. For example, in the case where a transfer profit tax or the like is stored in another binding database (not shown) that stores the binding money other than the binding money by the binding means 35, the binding money tax or the like is also deducted.

  Further, when the allocation database 58 stores an amount for allocation or a ratio of the amount by customer input, “amount available for purchase (USD) = Y1 (US $)” which is a hybrid purchaseable amount. In calculating the above-mentioned “Purchasable amount (in Japanese yen) = Y3 (yen)”, the allocated amount that is a part of the new “Purchasable amount (in yen)” = Y3 (Yen) ”is displayed on the screen (see FIG. 10), and“ Purchasable amount (in Japanese yen) = Y3 (yen) ”replaced with this allocated amount is converted at the exchange rate for evaluation. The amount available for conversion purchase expressed in currency units (USD units) is calculated and displayed on the screen in parentheses immediately below (see FIG. 10). Therefore, on the screen display (see FIG. 10) of “Purchasable amount (USD) = Y1 (US $)”, which is the amount that can be purchased, the allocation for the US stock order (USD shortage) for yen Only the amount of money will be included. Note that this allocation function may be omitted.

  For example, in FIG. 10, out of 4,100,000 yen that can be purchased, the customer designates an amount of 1,025,000 for US stock orders (USD shortage), 3,075 Allocate ¥ 1,000 for Chinese stock orders (HKD shortage) and the rest will be allocated for US stock orders (USD shortage), or 25% will be allocated for US stock orders (USD shortage) In addition, when the customer's ratio designation that 75% is allocated for the Chinese stock order (HKD shortage) is stored in the allocation database 58, the purchaseable amount (in Japanese yen) = Y3 = 1,025,000 Yen (Yen) is displayed on the screen, and in the parenthesis immediately below, is displayed as 10,000.00 (US $), and the purchaseable amount (USD) = Y1 = 3,000.00 (US $) The flat-panel display.

  <Y4> “Purchasable amount (HKD) = Y4 (HK $)” on the asset status display screen 100 of FIG. 10 is the Hong Kong dollar (transaction currency) and yen currency (other currencies) for trading Chinese stocks. The amount of money that can be purchased in the form of Hong Kong dollars (transaction currency). The hybrid purchaseable amount “Purchasable amount (HKD) = Y4 (HK $)” is “Purchasable amount (internal and foreign currency) = Y5 (HK $)” and “Purchasable amount (of which Yen) = Y6 (yen) "divided by the exchange rate for evaluation. That is, Y4 = Y5 + (Y6 / exchange rate for evaluation). For example, in FIG. 10, the exchange rate for evaluation is 16.50 yen / HK $, and Y4 = 3,000.00 + 4,100.000 / 16.50 = 278,484.84 (HK $).

  Note that “purchasable amount (HKD) = Y4 (HK $)” may be displayed separately for the taxable account amount (HK $) and the non-taxable account amount (HK $).

  <Y5> “Purchasable amount (internal and foreign currency) = Y5 (HK $)” in the asset status display screen 100 of FIG. 10 is a purchase only in Hong Kong dollars (transaction currency) held by customers when trading Chinese stocks. It is the amount that can be attached. This “purchasable amount (internal and foreign currency) = Y5 (HK $)” is calculated as follows.

  Y5 = confirmed balance Z3 ± the amount reflected on the day for purchaseable amount B + restricted amount (when other currency than HKD is restrained due to lack of Hong Kong dollar (HKD)) − restricted amount (restricted amount against Hong Kong dollar (HKD))

  Note that the amount B for the purchaseable amount reflected on the day (details will be described later) is the same as the amount A for the deposit reflected on the day A (details will be described later), so the deposit (HKD) = S3 (which will be described later). HK $) can also be calculated as follows: Y5 = S3 + binding amount (when a currency other than HKD is bound due to lack of Hong Kong dollars (HKD)) − binding amount (binding amount against Hong Kong dollars (HKD)).

  That is, “Purchasable amount (internal and foreign currency) = Y5 (HK $)” is based on the confirmed balance Z3 (HK $) of Hong Kong dollar (HKD) in the confirmed balance database 50 of FIG. The amount B reflected on the day (details will be described later) is increased or decreased, and the amount of restraint is further increased or decreased.

  Here, regarding the increase or decrease of the binding amount, first, as processing of “+ binding amount (when a currency other than HKD is bound due to lack of Hong Kong dollar (HKD)”), the binding amount K2 (HK in the binding amount database 55 of FIG. $) (However, among the constraint type K1, the total amount of HK $ in the case of yen constraint due to lack of HKD) is added. The reason for adding the restraint amount K2 (in the case of yen restraint due to lack of HKD) is the same as in the case of yen restraint due to lack of US dollar in the description of <Y2> described above. Therefore, as the processing of “± reflected on the day for available amount B”, the approximate delivery amount or contract delivery amount of the purchase order that caused the restraint is reduced straight, and “+ restraint amount (Hong Kong dollar (HKD) shortage) As a process of “when a currency other than HKD is constrained by”), the amount of restraint amount K2 with respect to the yen (other currency) is added. For example, when a purchase of 10,000 (HK $) is made, if 2,000 (HK $) is insufficient, the yen is restrained by the amount of the insufficient 2,000 (HK $). Therefore, the purchase price of Hong Kong dollars (transaction currency) only needs to be reduced by 8,000 (HK $), so the estimated delivery amount or contracted delivery amount of 10,000 (HK $) is reduced straight. And 2,000 (HK $) of the restraint amount is added. In addition, “+ restraint amount (when a currency other than HKD is restrained due to a shortage of Hong Kong dollars (HKD))” is a system configuration that can make up for a shortage of Hong Kong dollars (HKD) with US dollars (USD) or other currencies. In this case, the case of USD restraint due to lack of HKD includes the case of other currency restraint due to lack of HKD.

  Next, as the processing of “-binding amount (binding amount against Hong Kong dollar (HKD))”, the total amount of the binding amount against Hong Kong dollar (HKD) generated for other reasons is subtracted. In addition, “-restraint amount (restricted amount against Hong Kong dollar (HKD))” is a system configuration that can compensate for shortage of yen, US dollar (USD), and other currency shortages with Hong Kong dollar (HKD). Includes a case of HKD restraint due to a shortage of yen, a case of HKD restraint due to a shortage of US dollars (USD), and a case of HKD restraint due to lack of other currencies.

  <Y6> “Purchasable amount (in yen) = Y6 (yen)” on the asset status display screen 100 of FIG. 10 is available for purchase in customer-owned yen (other currencies) when trading Chinese stocks. It is a forehead. In addition, the amount in parentheses (HK $) immediately below it is a convertible purchase amount obtained by dividing Y6 (yen) by the exchange rate for evaluation. The calculation method of “Amount available for purchase (in Japanese yen) = Y6 (yen)” is the same as the method for calculating “Amount available for purchase (in Japanese yen) = Y3 (yen)” in the explanation of <Y3> described above. is there.

  Y6 = Y3 = Confirmed balance Z1 ± Amount reflected on the day for purchaseable amount B + Restricted amount (when a currency other than yen is restrained due to a lack of yen)-Restraint amount (restricted amount for yen)

  Note that the amount B for the purchaseable amount reflected on the day (details will be described later) is the same as the amount A for the deposit reflected on the day A (details will be described later), so the deposit (yen) = S1 (described later) Y6 = Y3 = S1 + amount of restraint (when a currency other than yen is restrained due to a lack of yen) −amount of restraint (amount of restraint for yen).

  However, if the allocation database 58 stores an amount for allocation or a ratio of the amount by customer input, “Purchasable amount (HKD) = Y4 (HK $)”, which is a hybrid purchaseable amount. In calculating the above-mentioned “Purchasable amount (in Japanese yen) = Y6 (yen)” instead of the total amount allocated as a part of the new “Purchasable amount (in yen) = Y6” (Yen) ”is displayed on the screen (see FIG. 10), and“ Purchasable amount (in Japanese yen) = Y6 (yen) ”replaced with this allocated amount is converted at the exchange rate for evaluation. The amount available for conversion purchase expressed in currency units (HKD units) is calculated and displayed on the screen in parentheses immediately below (see FIG. 10). Therefore, in this case, Y6 = Y3 is not satisfied, and the screen display (see FIG. 10) of “Purchasable amount (HKD) = Y4 (HK $)”, which is the hybrid purchaseable amount, shows the yen Will include only the amount of money allocated for ordering Chinese stocks (shortage of HKD). Note that this allocation function may be omitted.

  <Y7> “Payable amount (yen) = Y7 (yen)” on the asset status display screen 100 in FIG. 10 is an upper limit amount at which yen can be withdrawn (drawn) at the time of display, and will be described later. This is the same as “Amount transferable from deposit (yen) to USD = Y8 (yen)” and “Amount transferable from deposit (yen) to HKD = Y9 (yen)”. That is, Y7 = Y8 = Y9.

  <Y8> “Transferable amount from deposit (yen) to USD = Y8 (yen)” on the asset status display screen 100 of FIG. 10 is a currency exchange transaction that transfers from yen to US dollar (USD) at the time of display. Is the maximum amount that can be calculated as follows.

  Y8 = confirmed balance Z1 ± transferable amount on the day C + restricted amount (when a currency other than yen is restrained due to a lack of yen) −restricted amount (restricted amount for yen)

  That is, “the amount that can be transferred from deposit (yen) to USD = Y8 (yen)” is based on the fixed balance Z1 (yen) of yen in the fixed balance database 50 of FIG. Increase / decrease minute C (details will be described later), and further increase / decrease the amount of restraint. Here, the increase / decrease in the amount of restraint is the same as in the case of “Purchasable amount (inner yen) = Y3 (yen)” in the description of <Y3> described above.

  <Y9> “Transferable amount from deposit (yen) to HKD = Y9 (yen)” on the asset status display screen 100 of FIG. 10 is to perform a foreign exchange transaction to transfer from yen to Hong Kong dollar (HKD) at the time of display. Is the maximum amount that can be calculated as follows. Y9 = Y8.

  Y9 = Y8 = confirmed balance Z1 ± transferable amount for the day C + restricted amount (when a currency other than yen is restrained due to a lack of yen) −restricted amount (restricted amount for yen)

  <Y10> “Transferable amount of deposit (USD) = Y10 (US $)” on the asset status display screen 100 of FIG. 10 can be exchanged at the time of display from US dollar (USD) to yen. It is the upper limit amount and is calculated as follows.

  Y10 = confirmed balance Z2 ± transferable amount reflected on the day C + restricted amount (when currency other than USD is restrained due to lack of US dollars (USD)) − restricted amount (restricted amount against US dollar (USD))

  That is, “transferable amount of deposit (USD) = Y10 (US $)” is based on the fixed balance Z2 (US $) of US dollar (USD) in the fixed balance database 50 of FIG. Increase or decrease the amount reflected on the day C (details will be described later), and further increase or decrease the amount of restraint. Here, the increase / decrease in the amount of restraint is the same as in the case of “Purchasable amount (internal / foreign currency) = Y2 (US $)” in the description of <Y2> described above.

  <Y11> “Depositable amount of deposit (HKD) = Y11 (HK $)” on the asset status display screen 100 of FIG. 10 can be exchanged at the time of display from Hong Kong dollar (HKD) to yen. It is the upper limit amount and is calculated as follows.

  Y11 = confirmed balance Z3 ± transferable amount reflected on the day C + restricted amount (when a currency other than HKD is restrained due to lack of Hong Kong dollar (HKD)) − restricted amount (restricted amount against Hong Kong dollar (HKD))

  That is, “transferable amount of deposit (HKD) = Y11 (HK $)” is based on the confirmed balance Z3 (HK $) of Hong Kong dollar (HKD) in the confirmed balance database 50 of FIG. Increase or decrease the amount reflected on the day C (details will be described later), and further increase or decrease the amount of restraint. Here, the increase / decrease in the amount of restraint is the same as in the case of “Purchasable amount (internal / foreign currency) = Y5 (HK $)” in the description of <Y5> described above.

  <Calculation Processing for Deposited Assets> The asset status display means 31 executes the calculation processing for deposited assets as follows. As with the amount available for purchase, amount available for transfer, and amount available for withdrawal, the method for calculating deposits based on fixed balances follows the rules established by financial institutions such as securities firms. Is just an example.

  <S1> “Deposit (yen) = S1 (yen)” on the asset status display screen 100 of FIG. 10 is calculated as follows.

  S1 = Confirmed balance Z1 ± Amount reflected on the day for deposit

  That is, “deposit (yen) = S1 (yen)” is based on the confirmed balance Z1 (yen) of yen in the confirmed balance database 50 of FIG. )

  <S2> “Deposit (USD) = S2 (US $)” on the asset status display screen 100 of FIG. 10 is calculated as follows.

  S2 = Confirmed balance Z2 ± Amount reflected on the day for deposit

  That is, “deposit (USD) = S2 (US $)” is based on the confirmed balance Z2 (US $) of the US dollar (USD) in the defined balance database 50 of FIG. Details will be described later). Also, in the parentheses immediately below “Deposit (USD) = S2 (US $)”, the corresponding exchange rate (numerical value of yen per US dollar) stored in the rate database 57 of FIG. The amount converted to the multiplied yen is displayed on the screen.

  <S3> “Deposit (HKD) = S3 (HK $)” on the asset status display screen 100 of FIG. 10 is calculated as follows.

  S3 = Confirmed balance Z3 ± Amount reflected on the day for deposit A

  That is, “deposit (HKD) = S3 (HK $)” is based on the confirmed balance Z3 (HK $) of Hong Kong dollar (HKD) in the confirmed balance database 50 of FIG. Details will be described later). Also, in the parentheses immediately below “deposit (HKD) = S3 (HK $)”, the corresponding exchange rate (the numerical value of yen per HK dollar) stored in the rate database 57 of FIG. The amount converted to the multiplied yen is displayed on the screen.

  <S4> “Foreign stock valuation amount (yen) = S4 (yen)” on the asset status display screen 100 of FIG. 10 indicates the quantity of foreign stock held by the customer stored in the holding database (not shown) and the market price (not shown) The valuation amount of each foreign stock is calculated by multiplying the market value (unit price) of each foreign stock stored in the database (these valuation amounts may be calculated in advance and stored in the holding database). ), Each of these evaluation amounts is converted into yen using the corresponding exchange rate stored in the rate database 57 of FIG. 9, and the converted amounts are totaled. The market price stored in the market price database and the exchange rate stored in the rate database 57 in FIG. 9 are obtained from the financial information providing system 90.

  <S5> “Custody assets (total / yen) = S5 (yen)” on the asset status display screen 100 of FIG. 10 is calculated as follows.

  S5 = S1 + S2 × exchange rate + S3 × exchange rate + S4

  <Amount reflected on the day A for deposits> is an amount element to be reflected in the calculation of deposits at the time of the screen display, and is the same as B reflected on the day for purchaseable amounts B below. Therefore, it is an amount that fluctuates during a transaction, unlike a confirmed balance.

  <Same-day reflected amount B for purchaseable amount> is an amount element to be reflected in the calculation of the purchaseable amount at the time of the screen display, and is the same as the above-mentioned reflected-day amount A for deposit. Therefore, it is an amount that fluctuates during a transaction, unlike a confirmed balance.

  On the day of the purchaseable amount reflected B, in the case of a purchase order for a financial product (in this case, a foreign stock as an example), it is reflected when the order is received. Therefore, in the case of a purchase order, when the order is received, the estimated delivery amount T2 (trading division T1 = buy) stored in the order database 51 of FIG. 3 or stored in association with the customer identification information of the target customer is negative. After the contract is made, the delivery amount (contract delivery amount) J2 (trading division J1 = buy) associated with the customer identification information of the target customer and stored in the agreement database 52 of FIG. Because it is a negative factor, it is a safety-side rule that it is reflected early. The delivery amount (contract delivery amount) is the sum of the contract price plus commissions and taxes paid to financial institutions such as securities companies. The approximate delivery amount is an amount set larger than the contract delivery amount. It is calculated according to the rules established by financial institutions such as securities companies.

  On the other hand, in the case of a sell order for a financial product (here, as an example, a foreign stock), it is not reflected when an order is received (that is, not reflected at an uncommitted stage), but is reflected at the timing of execution. Therefore, in the case of a sell order, the delivery amount (contract delivery amount) J2 (sales division J1 = sale) associated with the customer identification information of the target customer and stored in the agreement database 52 of FIG. reflect.

  In addition, with regard to the amount B that can be purchased on the day, in principle, in the case of an exchange transaction order, the transfer source currency (decreasing currency) will be reflected when the order is received, and the transfer destination currency (increased currency) will be Reflect at timing. Again, the safety-side rule is taken to reflect negative factors early. Therefore, in the case of an order for exchange trading, in principle, the transfer source currency (decreasing currency) is related to the customer identification information of the target customer after the order is received and the transfer destination currency (increasing currency) is related to the customer identification information of the target customer in FIG. The transfer amount W3 stored in the database 53 is reflected. At this time, if the currency for which the purchaseable amount is calculated increases due to the exchange transaction (transaction where the transfer destination currency type W2 is the currency for which the purchaseable amount is calculated), the transfer amount W3 is added. If the transaction amount is reduced by the exchange transaction (transaction in which the transfer source currency type W1 is the currency to be purchased), the transfer amount W3 is reflected as a negative value. Note that the automatic exchange transfer process by the automatic exchange transfer means 36 also uses the exchange database 53 of FIG. 5, and thus the same applies to the automatic exchange transfer.

  Furthermore, as for the amount B that reflects the purchaseable amount on the day, in principle, in the case of external deposit (for example, fund transfer from an external bank account, etc.), the delivery date (during delivery processing) will arrive reflect. Therefore, in the case of depositing from the outside, after the delivery date (during the delivery process), the transfer amount N3 associated with the customer identification information of the target customer and stored in the deposit / withdrawal database 54 in FIG. To do. In this case, the transfer currency type N2 is the currency for which the purchaseable amount is to be calculated, and the deposit / withdrawal N1 is from outside, so that currency increases. Therefore, the transfer amount N3 is reflected as a plus. However, reflecting after the delivery date (delivery processing time) in this way may be a limitation by an external financial institution or its system (becoming a withdrawal side). May be reflected on the acceptance date of the fund transfer procedure.

  On the other hand, in the case of withdrawal to the outside, the currency for which the purchaseable amount is calculated is reduced, but after the delivery date (during delivery processing) arrives, it is associated with the customer identification information of the target customer. The transfer amount N3 stored in the deposit / withdrawal database 54 may be reflected negatively, or may be reflected negatively on the reception date (at the time of reception) of the fund transfer procedure.

  <Transferable amount reflected on the day C> is an amount element reflected in the calculation of the transferable amount at the time of the screen display, and is different from the purchaseable amount reflected on the day B. Therefore, it is an amount that fluctuates during a transaction, unlike a confirmed balance.

  The transferable amount reflected on the day C is reflected when an order is received in the case of a purchase order for a financial product (here, foreign stock as an example), as in the case of the purchaseable amount reflected on the day B. Therefore, in the case of a buy order, when the order is received, the approximate delivery amount T2 (trading division T1 = buy) associated with the customer identification information of the target customer or stored in the order database 51 of FIG. After the contract is made, the delivery amount (contract delivery amount) J2 (trading division J1 = buy) associated with the customer identification information of the target customer and stored in the agreement database 52 of FIG. Because it is a negative factor, it is a safety-side rule that it is reflected early.

  On the other hand, in the case of a sell order for a financial product (here, as an example, a foreign stock), unlike the case where the purchase amount is reflected on the day B, it is not reflected when the order is received, and is also reflected at the timing of the contract. First, it is reflected at the timing of arrival of the delivery date (at the time of delivery processing, for example, at the time of nighttime batch processing the day before the delivery date). Therefore, in the case of a sell order, the delivery amount (contract delivery amount) J2 (buying and selling) associated with the customer identification information of the target customer and stored in the contract database 52 of FIG. Category J1 = Sell) is reflected as a plus.

  In addition, as for the transferable amount reflected on the day C, in the case of an exchange transaction order, in principle, the transfer source currency (decreasing currency) will be accepted as in the case of the transferable amount reflected on the day B Reflecting on occasion, the transfer destination currency (increased currency) is reflected at the timing of execution. Again, the safety-side rule is taken to reflect negative factors early. Plus and minus are the same as in the case of the amount B that reflects the purchase date.

  Furthermore, for the transferable amount reflected on the day C, in the case of external deposit (for example, fund transfer from an external bank account, etc.) or in the case of withdrawal to the outside, it will be reflected on the same day for the purchaseable amount This is the same as in the case of the minute B, and is reflected in principle at the arrival date of the delivery date (during delivery processing). In the case of external deposit, the transfer amount N3 associated with the customer identification information of the target customer and stored in the deposit / withdrawal database 54 in FIG. 6 is reflected positively. To reflect.

  In response to a transmission request for the order screen 200 (see FIG. 11) from the customer terminal device 70, the order receiving means 32 transmits display data for the order screen 200 to the customer terminal device 70 via the network 1, and the customer terminal device 70 receives order data of customers of financial products (for example, foreign stocks such as Chinese stocks and US stocks) transmitted via the network 1 and receives the received order data with the order identification information ( The order code is stored in the order database 51 of FIG. 3 in association with the customer identification information (customer code, etc.) of the customer who placed the order.

  Further, the order receiving means 32 calculates an approximate delivery amount determined from the received order data, and stores the estimated delivery amount in the order database 51 of FIG. 3 in association with the customer identification information of the customer who placed the order. Run.

  FIG. 11 is an example of an order screen 200 transmitted to the customer terminal device 70 by the order receiving means 32, and is an input screen for buying orders for Chinese stocks in foreign stock transactions. The order screen 200 of FIG. 11 includes a display unit 201 of “Purchasable amount (HKD) = Y4 (HK $)” which is a hybrid purchaseable amount, and “Purchasable amount (internal and foreign currency) = Y5 (HK). $) ”And a display unit 203 of“ Purchasable amount (inner yen) = Y6 (yen) ”. The amount displayed on each of the display units 201 to 203 is the same as the amount displayed on the asset status display screen 100 in FIG. 10 (however, only when displayed at the same time). Therefore, the order receiving unit 32 performs processing for calculating the amount of money to be displayed on each of the display units 201 to 203. These calculation processing is the same as the calculation processing by the asset status display unit 31 described above.

  In addition, in the case of an input screen for the purchase order of US stocks in foreign stock transactions, the order screen 200 is similarly displayed as “amount available for purchase (USD) = Y1 (US $) ”,“ Purchasable amount (internal / foreign currency) = Y2 (US $) ”, and“ Purchasable amount (internal currency) = Y3 (yen) ”.

  Also, the order exchange screen 200 of FIG. 11 is provided with an evaluation exchange rate display section 210. This exchange rate for evaluation is a rate used when the convertible purchase amount is calculated by converting “Purchasable amount (in Japanese yen) = Y6 (yen)” into Hong Kong dollars (HKD). As with the asset status display unit 31 described above, the order receiving unit 32 uses the rate value M2 (%) for the rate type M1 = HK $ / JPY stored in the rate registration database 56 in FIG. The exchange rate for evaluation is calculated using the exchange rate value R2 for the rate type R1 = HK $ / JPY stored in the rate database 57. For example, if the exchange rate value R2 = 15.00 (yen / HK $) and the multiplication value M2 = 110 (%), the evaluation exchange rate is 15.00 (yen / HK $) × 110. (%) = 16.50 (yen / HK $), so the safe side can be calculated.

  Further, the order screen 200 of FIG. 11 is provided with a brand code input unit 220, an order stock (unit) input unit 221, and an order unit price (limit price) input unit 222. An order unit price (limit price) input unit 222 is configured to input an amount (HK $) in local currency (Hong Kong dollar, which is the trading currency of Chinese stocks). Note that the order screen 200 may be provided with a selection input section for account classification such as “specific”, “general”, and “tax-free”.

  Further, the order receiving means 32 receives the order data (including customer identification information (customer code), brand identification information (brand code), order quantity, trading category, execution condition, limit price, etc.) of the purchase order. In the case of (buy / sell category = buy), the approximate delivery amount determined from the order data of this buy order is displayed on the display unit 201 if it is a hybrid buyable amount (if it is a buy order for Chinese stocks) If the price is within the range of “Purchasable amount (HKD) = Y4 (HK $)”), the buy order is permitted. If the hybrid purchase amount is exceeded, the buy order is not permitted. The order approval / disapproval determination process of transmitting the notification data to the customer terminal device 70 via the network 1 is executed.

  Furthermore, the order receiving means 32 performed daily balances for restricting the difference settlement of daily balance transactions prohibited by the Financial Instruments and Exchange Act (the daily balance transaction was repeated to buy and sell the same brand on the same delivery date). In the case where the amount of money restrained in the case is generated, the amount of restraint is subtracted from the purchaseable amount, and the above-described order approval / disapproval determination processing is executed. The daily binding money is stored in a binding database (not shown) different from the binding money database 55 of FIG. In addition, since the restriction on the purchaseable amount in the case of daily trading is applied when the same issue is repeated, the purchaseable amount is not restricted for different issues. 11 is not reflected in the display amounts of the display units 201 and 202 of the order screen 200 of FIG. 11, and Y2 and Y5 of the asset status display screen 100 of FIG. 10 and the display amounts of Y1 and Y4 including them.

  The ordering means 33 uses the order data of the sales order received by the order receiving means 32 and stored in the order database 51 of FIG. 3 to place ordering data (order identification information (order code), customer identification information (customer code), brand ID information (brand code), order quantity, trading category, execution condition, limit price, etc.) are created, and the created order data is transmitted to the market system 80 via the communication line 3. is there. When an order is placed, the status T3 of the order database 51 in FIG. It should be noted that a system of another financial institution such as a local securities company or another domestic securities company is interposed between the trading order server 20 connected by the communication line 3 and the market system 80. Good. Further, the ordering means 33 itself may be provided in the system of another financial institution instead of the buying and selling order server 20.

  The contract means 34 is contract data (order identification information (order code), customer identification information) of a trade order transmitted from the market system 80 via the communication line 3 (or the communication line 3 and other financial institution system). (Customer code), brand identification information (brand code), contract constant quantity, trading category, contract unit price, etc.) are received, and the received contract data is stored in the contract database 52 in FIG. 4 in association with the customer identification information. Is executed. When the contract is executed, the status J3 of the contract database 52 in FIG. 4 is contracted, and the status T3 of the order database 51 in FIG. 3 is also contracted.

  Further, the contracting means 34 calculates a delivery amount (contract delivery amount) determined from the received contract data, and this contract delivery amount is also associated with the customer identification information of the customer who has placed the order, in the contract database 52 of FIG. The process to memorize is executed.

  The restraining means 35 executes a restraining process at the time of accepting a purchase order and a restraining reduction process at the time of a buy order contract. It should be noted that the latter purchase order execution restriction reduction process may be omitted. In addition, the restraining means 35 may be configured to execute a sell order commitment restraint reduction process.

  When the order data received by the order receiving means 32 is the order data of the buy order, the approximate delivery amount determined from the order data of the buy order is the customer identification of the customer who placed the order. When the transaction currency exceeds the purchaseable amount of the transaction currency at the time of order reception calculated using the transaction currency fixed balance stored in the fixed balance database 50 in FIG. 2 in association with the information, the excess amount is calculated. This is a process of storing in the binding money database 55 in FIG. 7 in association with customer identification information and order identification information as a binding amount for other currencies other than the transaction currency due to a lack of transaction currency. In addition, because it is related to the order identification information, when the buy order is executed, the purchase order execution restraint reduction processing is performed, so the restraint amount for the reduction processing target (a record is generated for each customer and for each order). This is to specify the amount of money in the case. Here, the purchaseable amount of the transaction currency at the time of order reception is the amount calculated by the order reception means 32.

  For example, in the case of a purchase order for Chinese stocks, the binding means 35 stores the approximate delivery amount stored in the order database 51 in FIG. 3 or stored in the display unit 202 in FIG. If the amount exceeds the “Purchasable amount (internal and foreign currency) = Y5 (HK $)” at the time of order reception displayed on the screen, the excess amount will be calculated in the amount other than the transaction currency due to a lack of transaction currency (Hong Kong dollar (HKD)). The restraint amount for another currency (yen) is stored in the restraint money database 55 in FIG. 7 in association with the customer identification information. In this case, data is stored in the restraint money database 55 as follows: restraint type K1 = yen restraint due to lack of HKD, restraint amount K2 = restriction amount shown in Hong Kong dollar (HKD), which is a lacking currency, restraint amount K3 = restraint due to lack of foreign currency This is the amount of restraint indicated in yen that is the currency to receive.

  More specifically, in the restraining process at the time of accepting a buy order, for example, the approximate delivery amount of a Chinese stock buy order is 13,000 (HK $), and the purchaseable amount (internal and foreign currency) = Y5 = 11, When 000 (HK $), a restraint amount of 13,000-11,000 = 2,000 (HK $) is generated. Therefore, the restraint amount K2 = 2,000 (HK $) is stored in the restraint amount database 55 of FIG. ), Restraint amount K3 = 2,000 (HK $) × evaluation exchange rate 16.50 (yen / HK $) = 33,000 (yen).

  Also, for example, when the approximate delivery amount of a purchase order for Chinese stock is 13,000 (HK $) and the purchaseable amount (internal and foreign currency) = Y5 = 0 (HK $), the binding amount is 13,000. −0 = 13,000 (HK $), and the approximate delivery amount becomes the binding amount as it is. Therefore, the binding amount K2 = 13,000 (HK $) is stored in the binding amount database 55 of FIG. 7, and the binding amount K3. = 13,000 (HK $) x exchange rate for evaluation 16.50 (yen / HK $) = 214,500 (yen) is stored, and the binding amount is increased by the approximate delivery amount.

  The same applies to the case of buying orders for US stocks. In the restraining process at the time of accepting a buy order, the restraining means 35 stores the approximate delivery amount stored in the order database 51 of FIG. When “Purchasable amount (internal and foreign currency) = Y2 (US $)” is exceeded, the excess amount is bound to other currencies (yen) other than the transaction currency due to a shortage of the transaction currency (US dollar (USD)). Are stored in the binding money database 55 of FIG. 7 in association with the customer identification information. At this time, data is stored in the restraint money database 55 as follows: restraint type K1 = yen restraint due to lack of USD, restraint amount K2 = restriction amount shown in US dollars (USD) as a lacking currency, restraint amount K3 = restriction due to lack of foreign currency This is the amount of restraint indicated in yen that is the currency to receive.

  In the purchase order execution restriction reduction processing, when the purchase order is executed, the restriction amount stored in the restriction database 55 of FIG. 7 in the above-described restriction processing at the time of acceptance of the purchase order is stored in the order database 51 of FIG. This is a process of reducing within the range of the difference (approximate delivery amount T2-contracted delivery amount J2) between the estimated delivery amount T2 and the contract delivery amount J2 stored in the contract database 52 of FIG. At this time, the binding amount subject to reduction processing (the binding amount when a record is generated for each customer and for each order) is specified by the customer identification information and the order identification information.

  For example, when the approximate delivery amount of a Chinese stock buy order is 13,000 (HK $) and the purchaseable amount (internal and foreign currency) = Y5 = 11,000 (HK $), In the restraint process, a restraint amount of 13,000-11,000 = 2,000 (HK $) is generated, but in the subsequent purchase order contract restraint reduction process, the contract delivery amount of the buy order is 11 , 800 (HK $), the binding amount is corrected for 1,200 (HK $), which is the difference between the estimated delivery amount 13,000 (HK $) and the contract delivery amount 11,800 (HK $). That is, the restraint amount of 2,000 (HK $) is reduced by 1,200 (HK $) of the difference amount to 800 (HK $).

  In addition, when the estimated delivery amount of a Chinese stock buy order is 13,000 (HK $) and the purchaseable amount (internal and foreign currency) = Y5 = 0 (HK $), the above-described restraint processing at the time of accepting a buy order The bound amount is 13,000-0 = 13,000 (HK $), and the approximate delivery amount is the bound amount as it is. However, in the subsequent purchase order contract reduction processing, the contracted delivery of the buy order is assumed. If the amount is 11,800 (HK $), the amount of difference between the estimated delivery amount of 13,000 (HK $) and the agreed delivery amount of 11,800 (HK $) is 1,200 (HK $). The amount is corrected, that is, the bound amount 13,000 (HK $) is reduced by 1,200 (HK $) to the difference amount to 11,800 (HK $), and the contracted delivery amount becomes the bound amount as it is And

  However, in the case of purchase order execution, the deduction processing is not necessarily reduced for the difference (approximate delivery amount-execution delivery amount). If there is no restriction amount at that time, it is not necessary to reduce the amount. If the amount of restraint is less than the amount of difference, it is not necessary to reduce the total amount of difference, and it is only necessary to reduce the amount so that the amount of restraint is eliminated. Therefore, the purchase order execution restriction reduction process is a process of reducing the restriction amount within the range of the difference (approximate delivery amount-execution delivery amount).

  For example, when the estimated delivery amount of a Chinese stock purchase order is 13,000 (HK $) and the purchaseable amount (internal and foreign currency) = Y5 = 12,000 (HK $), In the restraint process, a restraint amount of 13,000-12,000 = 1,000 (HK $) is generated, but in the subsequent purchase order contract restraint reduction process, the contract delivery amount of the buy order is 11 , 800 (HK $), the total amount of 1,200 (HK $) of the difference between the estimated delivery amount of 13,000 (HK $) and the contracted delivery amount of 11,800 (HK $) If the amount is reduced from 1,000 (HK $) of (the total amount of restraint amounts up to that point), the restraint amount becomes minus 200 (HK $). Therefore, in this case, instead of the total amount of 1,200 (HK $) for the difference, the amount is reduced by 1,000 (HK $) which is a part thereof, and the total amount of restraint amount at that time becomes zero. What should I do?

  In addition, when combined with buy order commitment restraint reduction processing, which will be described later, and sell order commitment restraint reduction processing, the total amount of restraint amounts at that time will be zero due to sell order commitment restraint reduction processing. If this is the case, there is no need to reduce the amount in the process of reducing the binding amount at the time of purchase order execution. For example, when the approximate delivery amount of a Chinese stock A buy order is 13,000 (HK $) and the purchaseable amount (internal and foreign currency) = Y5 = 0 (HK $), the above-mentioned purchase order acceptance In the time restraint process, the restraint amount will be 13,000-0 = 13,000 (HK $), but after that, the sell order for B shares of Chinese stock will be executed, and the agreed delivery amount will be 15,000 (HK $) If so, the total amount of the restraint amount at that time becomes zero by the sell order contract restraint reduction process. Here, after that, even if the above-mentioned purchase order for the Chinese stock A is executed, the total amount of restraint at that time is zero. There is no need to reduce the estimated delivery amount-the agreed delivery amount.

  Note that this processing to reduce the purchase order execution restriction may be omitted, and in that case, no reduction within the range of the difference (approximate delivery amount-execution delivery amount) is not performed. Compared to the case where the reduction process is performed, the total amount of restraint amounts at the end of the transaction on the day becomes larger.

  The sell order execution time limit reduction processing is executed when the contract data received by the contract means 34 and stored in the contract database 52 in FIG. 4 is the contract order data of the sell order. When there is a binding amount associated with the customer identification information and stored in the binding amount database 55 in FIG. 7, the binding amount (at that time) within the range of the delivery amount (contract delivery amount) J2 determined from the contract order data. This is a process of reducing the total amount of restraint. More specifically, when the total amount of the binding amount at that time is equal to or greater than the contracted delivery amount J2, the total amount of the contracted delivery amount J2 is reduced, and the total amount of the binding amount at that time is greater than the contracted delivery amount J2. Is also smaller, the same amount as the total amount of restraint at that time is reduced, and the total amount of restraint is reduced to zero. Note that the data storage processing in the binding money database 55 of FIG. 7 by the selling order contracted binding reduction processing, for example, generates a record corresponding to the selling order and associates it with the customer identification information and the order identification information of the selling order. Thus, a process of storing a negative restraint amount as a reduction of the total amount of restraint amounts in the restraint amounts K2 and K3 of the restraint amount database 55 of FIG.

  The case where the sell order contract restriction processing is performed corresponds to the restraint / automatic currency transfer pattern 3 of FIGS. 16 and 17, and the case where the sell order contract restriction processing is not performed is shown in FIGS. Corresponds to either restraint / automatic currency transfer pattern 1 or 2.

  For example, if the total amount of the binding amount is 4,000 (HK $), if the selling order for Chinese stocks is executed and the contracted delivery amount is 3,000 (HK $), the selling order will be executed. The total amount of contracted delivery amount of 3,000 (HK $) is reduced from the total amount of restraint amount of 4,000 (HK $) at that time, and the total amount of restraint amount is reduced to 1,000. (HK $). Also, if the total amount of the binding amount is 4,000 (HK $) and the selling order for Chinese stocks is executed and the contracted delivery amount is 6,000 (HK $), the selling order will be executed. Restraint reduction process reduces the amount of money (within the range of contract delivery amount 6,000 (HK $)) to the same amount as the total amount of restraint at that time (4,000 (HK $)). Set the total amount of to zero.

  In addition, for the customer who has selected to supplement the shortage of transaction currency with two or more other currencies, the restraint means 35 stores the priority data of the customer in the priority database 59. Execute constraint processing using data. This function may not be provided.

  Specifically, the restraining means 35 uses the priority order data stored in the priority order database 59 in association with the customer identification information of the customer who placed the order during the restraining process at the time of receiving the purchase order. Processing for determining each of the above-mentioned other currencies in the descending order of priority and storing the determined binding amounts of each other currency in the binding database 55 in FIG. 7 in association with the customer identification information and the order identification information. Execute.

  For example, if there is a customer who has specified the priority order of yen, US dollar (USD), and Hong Kong dollar (HKD), and there is a shortage of Hong Kong dollar (HKD) in the purchase order of Chinese stocks, When the yen is restrained and still short (when the shortage amount occurs even if the total amount of yen that can be purchased at that time is restricted), the US dollar (USD) is restrained. In addition, when there is a customer who has specified the priority order of yen, US dollar (USD), and Hong Kong dollar (HKD), when the US dollar (USD) shortage occurs in the purchase order of US stock, When the yen is restrained and still short (when there is a shortage even if the total amount of yen that can be purchased at that time is restricted), the Hong Kong dollar (HKD) is restrained. In addition, when there is a customer who has specified the priority order of yen, US dollar (USD), and Hong Kong dollar (HKD), when a shortage of yen occurs in a buy order for Japanese stocks, (USD) is constrained, and if it is still insufficient (when the amount of dollars (USD) that can be purchased at that time is constrained to generate an insufficient amount), Hong Kong dollar (HKD) is constrained.

  The automatic currency transfer means 36, [1] each customer's restrained amount K2, K3 or a plurality of restraint amounts K2, K3 stored in the restraint money database 55 of FIG. The total amount of the binding amounts K2 and K3 is set as the daily transaction currency shortage amount of each customer generated on that day, or [2] the binding amount database 55 of FIG. 7 associated with the customer identification information of each customer. 2 is stored in the fixed balance database 50 of FIG. 2 in association with the customer identification information of each customer from the total amount of the binding amounts K2, K3 of the customers or the plurality of binding amounts K2, K3. The amount obtained by subtracting the amount that can be purchased in the transaction currency at the end of each customer's transaction calculated using the determined balance in the transaction currency of The transaction currency shortage amount of the units of the day each customer of these, is to run the automatic exchange transfer processing to transfer from the other currency to transaction currency. Here, the first half of “or” in the “binding amount K2, K3 of each customer or the total amount of the plurality of binding amounts K2, K3” may be that there is only one order that caused the binding, This is because it is possible to store the binding amount while updating the total amount, instead of storing the binding amount for each order.

  In the former case [1], the total amount of restraint amounts after the end of a day's transaction is used as the daily transaction currency shortage amount as it is, and this is the amount subject to automatic currency transfer. This corresponds to the restraint / automatic currency transfer pattern 1 in FIG. 15 and the restraint / automatic currency transfer pattern 3 in FIGS. 16 and 17. The latter case [2] is a case where the target amount of automatic currency transfer is reduced by performing a process of reducing the daily transaction currency shortage amount after the end of the day's transaction. Corresponds to restraint / automatic currency transfer pattern 2.

  More specifically, the automatic exchange transfer means 36 stores data in the exchange database 53 of FIG. This data storage, that is, the automatic exchange transfer order, is performed, for example, on the domestic trade date of the trading order of financial products (for example, foreign stocks such as US stocks and Chinese stocks). The domestic business day following the domestic trade date of the financial product sales order. For transactions related to trading orders for financial products with the same domestic delivery date, the amount of transaction currency shortage will be calculated and the automatic currency transfer order will be placed after the next domestic trade date. Do. Then, the automatic currency transfer means 36 performs a delivery process using, for example, the domestic business day (or the same day as the contract date) next to the automatic currency transfer contract date as the automatic currency transfer delivery date.

  When calculating the daily transaction currency shortage amount of each customer, the automatic currency transfer means 36, for each constraint type K1 stored in the constraint database 55 of FIG. Sum K3. For example, in the case of a yen constraint with a constraint type K1 = USD shortage, the US dollar (USD) is a transaction currency, and the shortage is compensated with a yen currency that is another currency. In order to transfer to the US dollar (USD), the transfer source currency type W1 = yen and the transfer destination currency type W2 = US dollar (USD). If the amount of transaction currency shortage determined through the total processing of the amount K2 of restraint (US $) in the case of constraint type K1 = yen shortage with USD shortage is converted into yen at the exchange rate for evaluation. After that, it is stored in the transfer amount W3 (yen) of the exchange data base 53 of FIG. 5, and is determined through the total processing of the restraint amount K3 (yen) in the case of constraint type K1 = yen restraint with USD shortage Is stored in the transfer amount W3 (yen) of the exchange database 53 of FIG. 5 as it is.

  Also, for example, in the case of yen constraint with a constraint type K1 = HKD shortage, the Hong Kong dollar (HKD) is the transaction currency, and the shortage is compensated with the other currency, so the transaction currency In order to transfer to Hong Kong dollar (HKD), the source currency type W1 = yen and the destination currency type W2 = Hong Kong dollar (HKD). Then, if the transaction currency shortage amount is determined through the total processing of the restraint amount K2 (HK $) in the case of constraint type K1 = YKD shortage of yen constraint, it is converted into yen at the exchange rate for evaluation. After that, it is stored in the transfer amount W3 (yen) of the exchange data base 53 of FIG. 5, and is determined through the total processing of the restraint amount K3 (yen) in the case of the constraint type K1 = yen constraint with insufficient HKD Is stored in the transfer amount W3 (yen) of the exchange database 53 of FIG. 5 as it is.

  Further, in the case of the latter [2], the transaction currency at the end of the transaction of each customer using the confirmed balance of each customer's transaction currency stored in the confirmed balance database 50 of FIG. In the case of the constraint type K1 = USD shortage yen restraint, the processing for calculating the purchaseable amount of “N” is the “purchasable amount (internal and foreign currency) = Y2 (US $)” in FIG. This is a process to calculate, and in the case of the constraint type K1 = YKD lack of HKD, it is a process to calculate “Purchasable amount (internal and foreign currency) = Y5 (HK $)” in FIG. 10 at the end of the transaction. Therefore, the processing is the same as that performed by the asset status display means 31 and the order reception means 32.

  In addition, the restraint amount K2 or K3 used for the calculation of the daily transaction currency shortage amount by the automatic currency transfer means 36 includes the restraint amount generated by the order that has not been promised at the end of the transaction on that day. It may be the total amount of restraint that has been generated (uncommitted consideration processing), or by excluding the amount of restraint for uncommitted orders, only the amount of restraint for the promised order may be taken (uncommitted exclusion processing). In the case of the former uncommitted consideration process, even if it is an uncommitted order, the constraint is once generated, so it is the idea that it is subject to automatic currency transfer, and in the latter case of the uncommitted exclusion process Since undelivered orders have not been confirmed to be delivered (at least because they will not be delivered on the same day as the orders that were executed on the same day), from the viewpoint of avoiding unnecessary transfers as much as possible, The idea is not to. In the latter case, the amount of restraint for orders that have the same delivery date is totaled.

  When performing the latter unsettled exclusion process, when combined with the sell order contracted restraint reduction process by the restraint means 35 (also from the viewpoint of avoiding excessive transfer as much as possible), the calculation time after the end of the transaction In this case, the total amount of restraint amounts may become negative. In this case, the daily transaction currency shortage amount may be set to zero. For example, if you buy an order for 4,000 (HK $) Chinese stock and the total amount becomes a binding amount against the yen, then after the execution of a sell order for Chinese stock over 4,000 (HK $) Suppose that a sell-order execution-time restraint reduction process is performed, the total amount of restraint amounts for the yen is zero, and the day's transaction ends with a buy order remaining unfilled. At this time, if the binding amount for 4,000 (HK $) equivalent yen generated by an uncommitted purchase order of 4,000 (HK $) Chinese stocks is excluded, the total amount of the binding amount will be minus 4,000 ( However, in such a case, the daily transaction currency shortage amount is set to zero, and automatic currency transfer does not have to be performed.

  Similarly, in the case of performing the latter uncommitted exclusion process, the amount obtained by subtracting the purchase amount of the transaction currency at the end of the transaction from the total amount of [2] binding amount described above is the date of each customer that occurred on that day. When used in combination with the processing of a transaction currency shortage amount (also in terms of avoiding unnecessary transfers as much as possible), the total amount of restraint amount when the restraint amount for unfilled orders is excluded. The amount obtained by subtracting the purchaseable amount of the transaction currency at the end of the transaction may become negative. In this case, the daily transaction currency shortage amount may be set to zero.

  When the former unconfirmed consideration processing is performed, the amount of restraint for uncommitted orders at the end of the day's transaction is also used to calculate the daily transaction currency shortage amount. The restraint amount for the order will be released. On the other hand, when performing the latter uncommitted exclusion process, if the order expires, the binding amount for the order may be released along with the expiration, and the order will not expire and the next business day. If the order is continued thereafter, the binding amount for the order will be carried over after the next business day, and will be reflected in the calculation process of the amount available for purchase at the beginning of the next business day. It is used to calculate the daily transaction currency shortage amount and the binding amount is released.

  Further, the automatic currency transfer means 36 stores data in the currency exchange database 53 of FIG. 5 (automatic currency transfer order), and then executes the contract processing of the automatic currency transfer at the timing described above to store the currency exchange data. The status W4 of the service 53 is changed from being ordered to contracted, and further, automatic currency transfer delivery processing is performed at the timing described above to change the status W4 from contracted to delivered. The automatic currency transfer means 36 reduces the fixed balance of the currency (such as yen) of the transfer source currency type W1 stored in the fixed balance database 50 of FIG. 2 by this transfer process by the transfer amount W3. A process of increasing the fixed balance for the currency of the destination currency type W2 (US dollar, Hong Kong dollar, etc.) by an amount corresponding to the transfer amount W3 may be executed, or such a process of increasing or decreasing the fixed balance is not actually performed. In addition, the same effect may be given by setting the status W4 to be delivered. In the latter case, the status W4 may be changed from “delivered” to “invalid” or “finished” when actually performing the increase / decrease process of the confirmed balance at a later date.

  Furthermore, the automatic exchange transfer means 36 executes a process for releasing the restriction on the restricted amount (the set of restricted amounts used for calculating the daily transaction currency shortage amount) for which the automatic exchange transfer has been performed. Specifically, for example, when the transfer amount W3 (the amount for automatic currency transfer) of the exchange database 53 of FIG. 5 is reflected in the calculation process of the purchaseable amount, FIG. The restraint amounts K2 and K3 are released so that the restraint amounts K2 and K3 of the restraint amount database 55 are not reflected in the calculation process of the purchaseable amount.

  The settlement means 37 is associated with customer identification information of each customer at the time of delivery of a trading order for financial products (for example, foreign stocks such as US stocks and Chinese stocks) that arrive after the automatic currency transfer processing by the automatic currency transfer means 36. As shown in FIG. 2, the final balance of each customer's transaction currency (for example, US dollars or Hong Kong dollars) after adding the daily transaction currency shortage amount (equivalent to the transfer amount W3) of each customer stored in the fixed balance database 50 of FIG. The final balance (Z2, Z3) or the final balance of each customer's transaction currency before the addition (for example, the final balance Z2, Z3 of US dollars or Hong Kong dollars) the daily transaction currency shortage amount (transfer amount W3) 4), the one or more contract delivery amounts J2 associated with the customer identification information of each customer and stored in the contract database 52 of FIG. 4 are increased or decreased (buy Minus in the case of a sentence, in the case of a sell order is to run a plus to.) Payment processing. When the settlement processing (delivery processing of trading orders for financial products such as foreign stocks) is performed, the status J3 of the contract database 52 in FIG. 4 is changed from the contracted to the delivered by the settlement means 37.

  In addition, in the above, “additional amount of transaction currency of each customer (equivalent to transfer amount W3) for each customer's daily transaction currency is added to the transaction balance of each customer before the addition (for example, US dollar and Hong Kong dollar finalized balance Z2, Z3) “To the amount of money” refers to the case where the automatic currency transfer delivery process has been completed, but the finalized balance increase / decrease process has not yet been actually performed.

  The exchange transaction means 38 transmits the exchange transaction screen display data to the customer terminal device 70 via the network 1 in response to a transmission request for the exchange transaction screen (not shown) from the customer terminal device 70. 5 receives data for ordering exchange transactions between two of the currencies such as yen, US dollars and Hong Kong dollars transmitted via network 1, and the received order data is exchanged as shown in FIG. The process of storing in the database 53 is executed. This data storage process is the same as the process at the time of automatic currency transfer order reception by the automatic currency transfer means 36. Further, the exchange transaction means 38 also executes a contract process and a delivery process for an exchange transaction order received from a customer, and these processes are the same as the processes by the automatic exchange transfer means 36.

  In response to a request for sending a deposit / withdrawal screen (not shown) from the customer terminal device 70, the deposit / withdrawal means 39 sends the display data for the deposit / withdrawal screen to the customer terminal device 70 via the network 1. Received and received request data for deposits and withdrawals (deposits from outside, withdrawals to the outside) for any of the currencies such as yen, US dollars, Hong Kong dollars, etc. sent from the network 1 Processing for storing the request data in the deposit / withdrawal database 54 of FIG. 6 is executed. Since the deposit / withdrawal process by the deposit / withdrawal means 39 only moves the same currency, the currency type does not change before and after the movement.

  For example, in the case of a deposit request for US dollar (USD) 10,000 (US $) from an external bank account, N1 = deposit / withdrawal from deposit / withdrawal database 54 in FIG. It is assumed that currency type N2 = US dollar (USD) and transfer amount N3 = 10,000 (US $).

  Further, the deposit / withdrawal means 39 performs the deposit / withdrawal request acceptance process, and then executes the deposit / withdrawal request execution process to change the status N4 of the deposit / withdrawal database 54 in FIG. Further, the delivery process of the deposit / withdrawal request is performed to change the status N4 from the contracted to the delivered. In this delivery process, the deposit / withdrawal means 39, when N1 = deposit / withdrawal in the deposit / withdrawal database 54 in FIG. 6 = depositing from outside, the transfer stored in the fixed balance database 50 in FIG. Increase the fixed balance for the currency of currency type N2 by the amount of transfer N3, and if the deposit / withdrawal in the deposit / withdrawal database 54 in FIG. You may perform the process which reduces the fixed balance about the currency of the transfer currency classification N2 memorize | stored in the balance database 50 by the amount of transfer amount N3, or does not actually perform the increase / decrease process of such a fixed balance. In addition, the same effect may be given by setting the status N4 to delivered. In the latter case, the status N4 may be changed from “delivered” to “invalid” or “finished” when actually performing the increase / decrease processing of the determined balance at a later date.

  The hook registration unit 40 receives hook data used for calculation of the exchange rate for evaluation transmitted from the administrator terminal device 71 via the network 2, and associates the received hook data with the rate type M1 in FIG. The processing to be stored in the hook registration database 56 is executed. For example, if a special numerical value such as 0% or a character or symbol is input to the item data, “Purchasable amount (USD) = Y1 (US $)” which is a hybrid purchaseable amount (see FIG. 10). When calculating the price, there is no conversionable purchase amount calculated using “Purchasable amount (in Japanese yen) = Y3 (yen)”, or “Purchasable amount that is a hybrid purchaseable amount”. When calculating (HKD) = Y4 (HK $) ”(see FIG. 10), the term“ convertible purchase price ”calculated using“ Purchasable amount (in Japanese yen) = Y6 (yen) ”is When there is a shortage of transaction currency, it is possible to cancel the process of supplementing the shortage with another currency (the process of restricting the other currency and performing the automatic currency transfer from the other currency to the transaction currency after the transaction ends).

  In response to a request to send an assignment setting screen (not shown) from the customer terminal device 70, the assignment setting means 41 transmits the display data for the assignment setting screen to the customer terminal device 70 via the network 1, and the customer terminal device 70 Processing for receiving allocation data (amount for allocation or a ratio of the amount) transmitted from the network 1 and storing the received allocation data in an allocation database 58 (not shown) in association with customer identification information. It is something to execute. Note that the function by the allocation setting means 41 may be omitted.

  Here, the allocation data (the amount for allocation or the proportion of the amount) is calculated using a fixed balance of an arbitrary or specific currency among the determined balances of each currency stored in the determined balance database 50 of FIG. Amount allocated to the convertible purchase amount that constitutes the hybrid purchase amount when a currency different from the arbitrary or specific currency becomes the transaction currency, or It is a percentage of the amount. For example, out of 4,100,000 yen that can be purchased, the customer's amount designation of 1,05,000 yen allocated for US stock orders (USD shortage), 3,075,000 yen Specify the amount of the customer to allocate for Chinese stock orders (HKD shortage) and the rest for US stock orders (USD shortage), or allocate 25% for US stock orders (USD shortage) and 75% It is possible to specify the percentage of customers to be allocated for ordering Chinese stocks (HKD shortage).

  In response to a transmission request for a priority setting screen (not shown) from the customer terminal device 70, the priority setting means 42 transmits display data for the priority setting screen to the customer terminal device 70 via the network 1, Priority data transmitted from the terminal device 70 via the network 1 is received, and the received priority data is associated with customer identification information and stored in a priority database 59 (not shown). is there. The function by the priority order setting means 42 may be omitted.

  Here, the priority order data is the priority when using the three or more currencies as funds for the purchase / sale order of financial products when the fixed balances of three or more currencies are stored in the fixed balance database 50 of FIG. This is data for specifying the order.

  As shown in FIG. 2, the confirmed balance database 50 includes customer identification information (customer code), yen deposit balance (determined balance) Z1 (yen), US dollar (USD) deposit balance (determined balance) Z2 (US $). Hong Kong dollar (HKD) deposit balance (determined balance) Z3 and the like are stored in association with each other.

  As shown in FIG. 3, the order database 51 includes customer identification information (customer code), order identification information (order code), brand identification information (brand code), quantity (number of shares, number of shares, number of sheets, etc.), execution conditions (execution)・ By limit price, limit price for limit orders, trading category T1 (sell, buy), delivery amount (approximate delivery amount at the time of order) T2 (numerical value based on transaction currency US $, HK $, etc.), status T3 ( Ordered (in order), contracted, delivered,... Etc. are stored in association with each other.

  As shown in FIG. 4, the contract database 52 includes customer identification information (customer code), order identification information (order code), brand identification information (brand code), a constant amount (a traded stock, a traded number, a traded number, etc.), Contract unit price, contract date, trading category J1 (sell, buy), delivery amount (contract delivery amount) J2 (numeric value based on transaction currency US $, HK $, etc.), status J3 (contracted, delivery completed, ...), delivery date Are stored in association with each other. Note that the order database 51 of FIG. 3 and the contract database 52 of FIG. 4 may be combined into one database.

  As shown in FIG. 5, the exchange database 53 includes customer identification information (customer code), transfer source currency type W1 (yen price, etc.), transfer destination currency type W2 (US $, HK $, etc.), transfer amount W3 (transfer). Amount indicated in the original currency), status W4 (during order, contract completed, delivery completed,...), Delivery date W5, etc. are stored in association with each other. In the present embodiment, this exchange database 53 is also used in the automatic exchange transfer process by the automatic exchange transfer means 36. However, the database used for the automatic exchange transfer process and the customer by the exchange transaction means 38 are not shared. The database used for the processing related to the exchange transaction based on the input may be separated.

  As shown in FIG. 6, the deposit / withdrawal database 54 includes customer identification information (customer code), deposit / withdrawal N1 (external deposit, withdrawal to the outside), transfer currency type N2 (yen price, US $, HK $, etc.), transfer amount N3, status N4 (in order, contract completed, delivery completed,...), Delivery date N5, etc. are stored in association with each other.

  As shown in FIG. 7, the restraint money database 55 includes customer identification information (customer code), order identification information (order code), restraint type K1 (USD shortage yen restriction, HKD shortage yen restriction,...), Restriction amount Associating K2 (display amount in a currency that is insufficient such as US $, HK $), restraint amount K3 (display amount in a currency that is constrained by a lack of foreign currency such as yen), date K4 (date of release, etc.) It is something to remember. The restraint amount stored in the restraint database 55 is the restraint amount by the restraint means 35, and other restraint amounts, for example, transfer profit tax, daily restraint amount, etc. are stored in another restraint database (not shown). ) Is stored.

  Further, in the present embodiment, the binding money database 55 in FIG. 7 is configured to generate a record for each customer and for each order. However, a record is generated for each customer and is generated for each order of the same customer. It is good also as a structure which memorize | stores, updating the total amount of restraint amount. In such a configuration, when a certain buy order is executed, a restraint process at the time of acceptance of the purchase order is performed in order to determine whether or not the restraint process at the time of acceptance of the purchase order is performed for the buy order. By storing the order identification information of the purchased order in a separate database, it is possible to grasp the purchase order that is the target of the purchase order execution restriction reduction process. In the example of FIG. 13 to FIG. 17 to be described later, for the sake of convenience of explanation, the transition of the amount of the total amount of restraint amounts stored in the record of each order of the same customer is shown. This corresponds to a configuration in which the total amount of the restraint amount is stored while being updated.

  As shown in FIG. 8, the multiplication item registration database 56 shows the rate type M1 (US $ / JPY, HK $ / JPY, etc.), the value M2 (%) of the multiplication factor registered for determining the exchange rate for evaluation, and the like. It is associated and stored.

  As shown in FIG. 9, the rate database 57 stores a rate type R1 (US $ / JPY, HK $ / JPY, etc.), an exchange rate value R2, a date and time R3, and the like in association with each other.

  The allocation database 58 stores customer identification information (customer code), allocation data (amount for allocation or a ratio of the amount) and the like in association with each other. The assignment database 58 may be omitted.

  The priority database 59 stores customer identification information (customer code), priority data (currency type and priority for each currency) and the like in association with each other. This priority database 59 may be omitted.

  In the above, the trade order server 20 is not limited to one realized by one computer or one CPU, but may be realized by performing distributed processing with a plurality of computers or a plurality of CPUs. .

  Each of the means 31 to 42 constituting the processing means 30 includes a central processing unit (CPU) provided inside the computer main body constituting the trade order server 20 and one or the operation procedure of the CPU. Realized by multiple programs.

  Further, the databases 50 to 59 connected to the processing means 30 are preferably hard disks, for example, but other recording media such as a flash memory can be used as long as necessary storage capacity, access speed, durability, etc. can be secured. It may be used.

  The customer terminal device 70 is a terminal device operated by a customer (investor) or an input agent thereof (a salesperson or an operator of a financial institution such as a securities company), and the administrator terminal device 71 is a financial company such as a securities company. These are terminal devices operated by an institutional system administrator, all of which are configured by a computer, and include input means such as a mouse, a keyboard, and a touch panel, and display devices such as a liquid crystal display and a CRT display. A printing device or the like may be provided. Further, the customer terminal device 70 and the administrator terminal device 71 may be portable devices such as a tablet terminal, a personal digital assistant (PDA), and a mobile phone (including PHS), for example.

  The market system 80 is one or a plurality of systems that form a market in each country that handles trading of various financial products such as foreign stocks such as US stocks and Chinese stocks. System, securities company system (private transaction system) that forms the PTS market. One or a plurality of other systems may be interposed between the market system 80 and the trade order server 20.

  The financial information providing system 90 is, for example, an information vendor system or another system in a financial institution such as a securities company that manages the buying and selling order server 20. It is one or a plurality of systems that provide various financial information such as rates, and is configured by a computer. The market price (unit price) and the exchange rate of financial products such as foreign stocks acquired from the financial information providing system 90 by financial information acquisition means (not shown) are stored in a market price database (not shown) or the rate database 57 of FIG. The

  In this embodiment, processing from order reception to settlement for a transaction transaction for a financial product such as a foreign stock is performed by the transaction order system 10 as follows.

  In FIG. 12, the customer (investor) operates the customer terminal device 70, inputs customer identification information (customer code) and password, accesses the trade order server 20 via the network 1, and displays the asset status display screen 100. (See FIG. 10) and an order screen 200 (see FIG. 11) display request.

  In the trading order server 20, the asset status display means 31 receives the display data of the asset status display screen 100 via the network 1 in response to a display request for the asset status display screen 100 (see FIG. 10) from the customer terminal device 70. It transmits to the customer terminal device 70 (step S1). Then, the asset status display screen 100 is displayed on the screen of the customer terminal device 70. At this time, the asset status display means 31 determines the customer's estimated balances Z1, Z2, Z3 stored in the confirmed balance database 50 of FIG. 2, and the estimated delivery amount of the customer stored in the order database 51 of FIG. T2, the contract delivery amount J2 of the customer stored in the contract database 52 of FIG. 4, the transfer amount W3 of the customer stored in the exchange database 53 of FIG. 5, and the deposit / withdrawal database 54 of FIG. Transfer amount N3 of the customer, the binding amounts K2 and K3 of the customer stored in the binding database 55 of FIG. 7, the value M2 of the product stored in the product registration database 56 of FIG. 8, the rate of FIG. Using the exchange rate value R2 and the like stored in the database 57, numerical information to be displayed on the screen is calculated. Since the calculation processing method has already been described in detail, the description thereof is omitted here.

  Further, in the buying and selling order server 20, the order receiving means 32 receives the display data of the order screen 200 via the network 1 in response to the display request of the order screen 200 (see FIG. 11) from the customer terminal device 70. 70 (step S1). Then, an order screen 200 is displayed on the screen of the customer terminal device 70. At this time, the order receiving means 32 calculates numerical information to be displayed on the screen in the same manner as the asset status display means 31.

  Subsequently, when the customer operates the customer terminal device 70, the hybrid purchaseable amount displayed on the display unit 201 of the order screen 200 in FIG. (USD) = Y1 (US $) ”, and in the case of a purchase order for Chinese stocks, the order amount (accurate) (refer to“ Purchasable amount (HKD) = Y4 (HK $) ”). , The order quantity (number of shares, number of units) is determined so that the approximate delivery amount) falls within the range, the order data is input to each of the input units 220 to 222, and the input order data is transmitted via the network 1. To the trading order server 20.

  When the order receiving means 32 receives the order data from the customer terminal device 70, the buy / sell order server 20 calculates an approximate delivery amount determined from the received order data, and the order data is the order data of the buy order. The calculated approximate delivery amount is within the range of the hybrid purchase possible amount (“Purchase available amount (HKD) = Y4 (HK $)” displayed on the display unit 201 in the case of a purchase order for Chinese stocks)). The order approval / disapproval of sending the notification data to the customer terminal device 70 to the customer terminal device 70 via the network 1 when the purchase order is permitted, and when the hybrid purchase limit amount is exceeded. Execute judgment processing.

  Then, the order receiving means 32 determines the order data of the buy order that is determined to be permitted, the order data of the received sell order, the calculated approximate delivery amount, the order identification information (order code etc.) given to the order, and the order. It is stored in the order database 51 of FIG. 3 in association with the customer identification information (customer code etc.) of the performed customer (step S1).

  Subsequently, when the order data received by the order accepting means 32 and stored in the order database 51 of FIG. 3 is the order data of the buy order by the restraining means 35, the approximate delivery amount is the order receipt time To determine whether or not the purchase price of the customer's transaction currency will be exceeded, and if so, the excess amount will be deducted from the currency other than the transaction currency (for example, a shortage of US dollars or a shortage of Hong Kong dollars) For example, a restraint process at the time of accepting a purchase order stored in the restraint money database 55 of FIG. 7 in association with the customer identification information and the order identification information as a restraint amount for yen) is performed (step S2). On the other hand, when it does not exceed, the purchase currency amount of the transaction currency (for example, US dollar, Hong Kong dollar) is sufficient, so that the other currency (for example, yen) is not restrained. Even in the case of order data for a sell order, the restraining process by the restraining means 35 is not performed.

  Therefore, from this point on, the binding amounts K2 and K3 stored in the binding money database 55 in FIG. 7 due to the shortage of the transaction currency (for example, the shortage of the US dollar or the shortage of the Hong Kong dollar) at the time of the purchase order This is reflected in the domestic and foreign currencies Y2 and Y5 and other currencies available for purchase (inner yen) Y3 and Y6, as well as the hybrid purchase available amount (USD) Y1 and the hybrid purchase available amount (HKD) Y4.

  For example, for a purchase order of Chinese stocks in which Hong Kong dollars (HKD) is the transaction currency, (1) if there is a sufficient amount of Y5 available for purchase (internal and foreign currency) before ordering, (2) amount available for purchase before ordering ( Domestic and foreign currency) Y5 = 0 (HK $), but if there is sufficient amount available for purchase (in Japanese yen) Y6, (3) There is an amount available for purchase (internal and foreign currency) Y5 before ordering, but insufficient If so, the following processing is performed.

  (1) If there is a sufficient amount (internal and foreign currency) Y5 that can be purchased before ordering, there is sufficient Hong Kong dollars necessary for the purchase, so the estimated delivery amount T2 stored in the order database 51 of FIG. The amount that can be purchased (internal and foreign currency) Y5 is reduced by that amount. On the other hand, since there is no shortage of transaction currency (shortage of Hong Kong dollars), the yen that is another currency is not restrained, and the purchaseable amount (inner yen) Y6 does not change. Therefore, the hybrid purchase possible amount (HKD) Y4 is reduced by the approximate delivery amount T2.

  (2) Amount available for purchase (internal and foreign currency) Y5 = 0 (HK $) before ordering, but if there is sufficient amount available for purchase (local currency) Y6, all of the estimated delivery amount T2 Since the transaction currency shortage amount is obtained, the restraint amount equal to the approximate delivery amount T2 is stored in the restraint money database 55 of FIG. Accordingly, the purchaseable amount (in Japanese yen) Y6 is reduced by the amount of restraint equal to the approximate delivery amount T2. On the other hand, the purchaseable amount (internal and foreign currency) Y5 = 0 (HK $) remains. This is because the Hong Kong dollar, which is the transaction currency, does not have to be reduced because the yen, which is another currency, is reduced, but as a calculation, the purchaseable amount (internal and foreign currency) Y5 is stored in the order database 51 of FIG. While it decreases by the approximate delivery amount T2 and increases by the amount of restraint that is the same as the approximate delivery amount T2, it remains 0 (HK $). Therefore, the hybrid purchase possible amount (HKD) Y4 is reduced by the approximate delivery amount T2.

  (3) There is a purchaseable amount (internal and foreign currency) Y5 before ordering, but if it is insufficient, a part of the approximate delivery amount T2 α (amount α less than the approximate delivery amount T2) Since the transaction currency is insufficient, the restraint amount corresponding to a part of the approximate delivery amount T2 is stored in the restraint money database 55 of FIG. Therefore, the purchaseable amount (in Japanese yen) Y6 is reduced by the amount of restraint of the partial amount α of the approximate delivery amount T2. On the other hand, the purchaseable amount (internal and foreign currency) Y5 is reduced by the approximate delivery amount T2 stored in the order database 51 of FIG. As it increases, it is reduced by the remaining partial amount (T2-α) of the approximate delivery amount T2. Therefore, the hybrid purchase possible amount (HKD) Y4 is reduced by the approximate delivery amount T2.

  In addition, with regard to selling orders for Chinese stocks, the restraint process by the restraint means 35 is not performed at the time of order reception, so the restraint amount is not reflected by the restraint means 35, and the approximate delivery amount stored in the order database 51 of FIG. There is no reflection of T2. Accordingly, the purchaseable amount (internal and foreign currency) Y5 and the purchaseable amount (inner yen) Y6 do not change, and further, the hybrid purchaseable amount (HKD) Y4 does not change.

  Then, the ordering means 33 creates ordering data using the order data of the sales order received by the order accepting means 32 and stored in the order database 51 of FIG. 3, and the created ordering data is transmitted to the communication line 3 (or The data is transmitted to the market system 80 via the communication line 3 and other financial institution system) (step S3).

  Thereafter, the contract means 34 receives contract data of the trade order transmitted from the market system 80 via the communication line 3 (or the communication line 3 and other financial institution system), and is determined from the received contract data. The delivery amount (agreement delivery amount) is calculated, and the received agreement data is stored in the agreement database 52 of FIG. 4 in association with the customer identification information together with the calculated agreement delivery amount (step S4).

  Subsequently, when a purchase order is executed by the binding means 35, whether or not there is a binding amount due to the binding processing at the time of acceptance of the purchase order in the above-described step S2 for the executed purchase order is shown in FIG. 3 is determined based on whether or not there is a match with the order identification information of the purchase order. If there is a binding amount, the binding amount is stored in the order database 51 of FIG. When the purchase order is contracted to be reduced within the range of the difference between the approximate delivery amount T2 stored in the contract delivery amount J2 and the contract delivery amount J2 stored in the contract database 52 of FIG. 4 (approximate delivery amount T2-contracted delivery amount J2). Restraint reduction processing is performed (step S5). It should be noted that this purchase order execution time limit reduction process can be omitted.

  Accordingly, from this point on, a reduction within the range of the difference between the binding amounts K2 and K3 stored in the binding database 55 in FIG. 7 due to a shortage of transaction currency (for example, a shortage of US dollars or a shortage of Hong Kong dollars) at the time of a buy order. Are available for purchase in transaction currency (internal and foreign currency) Y2, Y5, available for purchase in other currencies (in Japanese yen) Y3, Y6, and further available for hybrid purchase (USD) Y1 and available for hybrid purchase ( HKD) Reflected in Y4.

  For example, if the difference amount (estimated delivery amount T2−contracted delivery amount J2) is β = T2−J2, and the total amount of the customer's restraint amount at that time is equal to or greater than the difference amount β, the difference amount β All can be subtracted from the total amount of restraint. Specifically, in the constraint money database 55 in FIG. 7, for the record having the constraint amounts K2 and K3 by the constraint processing at the time of purchase order reception in step S2, the difference β is subtracted from the constraint amounts K2 and K3 of the record. Process. Therefore, if a buy order for Chinese stock is executed, the purchaseable amount (in Japanese yen) Y6 will increase by the difference β because the absolute value of the negative binding amount will decrease by the difference β. It will be. On the other hand, since the absolute value of the binding amount that has been added is reduced by the difference β, the buyable amount (internal and foreign currency) Y5 is reduced by the difference β in that respect, but is negative. Approximate delivery amount T2 stored in the order database 51 of FIG. 4 is changed to the contract delivery amount J2 stored in the execution database 52 of FIG. become. Therefore, the hybrid purchase possible amount (HKD) Y4 increases by the difference β.

  Further, when the contract data received by the contract means 34 and stored in the contract database 52 of FIG. 4 is contract data of a sell order, the contract delivery amount stored in the contract database 52 from this point in time. J2 is reflected as a positive monetary amount in the purchaseable amount (internal and foreign currency) Y2 and Y5 of the transaction currency, and is further reflected in the hybrid purchaseable amount (USD) Y1 and the hybridable purchaseable amount (HKD) Y4. The

  For example, if a sell order for Chinese stocks is executed, the estimated delivery amount T2 stored in the order database 51 of FIG. 3 is not reflected when the order is received, and the execution of the contract database 52 of FIG. Since the contract delivery amount J2 stored in is reflected, the purchaseable amount (internal and foreign currency) Y5 is increased by the contract delivery amount J2. On the other hand, the purchaseable amount (in Japanese yen) Y6 does not change. Therefore, the hybrid purchase possible amount (HKD) Y4 increases by the contract delivery amount J2.

  Further, when the contract data received by the contract means 34 and stored in the contract database 52 of FIG. 4 is the contract order data of the sell order, the restraint means 35 stores it in the constraint money database 55 of FIG. When there is a binding amount for the customer, the selling amount is reduced when the selling order is contracted to reduce the binding amount (the total amount of the binding amount at that time) within the delivery amount (contracted delivery amount) J2 determined from the contract order data. Processing may be performed (step S5). It should be noted that this sell order execution restriction reduction process can be omitted. More specifically, when the total amount of the binding amount at that time is equal to or greater than the contracted delivery amount J2 by the binding means 35, the total amount of the contracted delivery amount J2 is reduced, and the total amount of the binding amount at that time is When it is smaller than the contract delivery amount J2, the same amount as the total amount of the binding amount at that time is reduced, and the total amount of the binding amount is made zero.

  Accordingly, the reduction in the amount of restraint in the sell order commitment restraint reduction process by the restraining means 35 is from this point on the purchaseable amount of the transaction currency (internal and foreign currency) Y2 and Y5 and the purchaseable amount of other currency (internal yen) ) Reflected in Y3, Y6, and hybrid purchase available amount (USD) Y1 and hybrid purchase available amount (HKD) Y4.

  For example, when a selling order for Chinese stocks is executed, the total amount of the contract delivery amount J2 can be reduced if the total amount of the binding amount at that time is equal to or greater than the contract delivery amount J2. Specifically, the contract delivery amount J2 is attached with a minus sign and stored in the constraint amounts K2 and K3 of the constraint money database 55 in FIG. The order identification information may store the order identification information of the selling order. Accordingly, the purchaseable amount (inner yen) Y6 is increased by the contracted delivery amount J2 after all because the absolute value of the total amount of the detained binding amount is decreased by the contracted delivery amount J2. On the other hand, since the absolute value of the total amount of restraint amount that was added is reduced by the contracted delivery amount J2, the purchaseable amount (internal and foreign currency) Y5 will be reduced by the contracted delivery amount J2 in that respect, Since the contract delivery amount J2 stored in the contract database 52 of FIG. 4 is reflected for the first time with a plus sign, the contract delivery amount J2 is increased in that aspect, and does not change after all. Therefore, the hybrid purchase possible amount (HKD) Y4 increases by the contract delivery amount J2.

  Then, the automatic currency transfer means 36 calculates the daily transaction currency shortage amount of each customer that occurred on that day after the end of the day's transaction, and for each customer's daily transaction currency shortage amount, An automatic exchange transfer process for transferring from the transaction currency to the transaction currency is executed (step S6). Since the calculation processing method has already been described in detail, the description thereof is omitted here.

  More specifically, the automatic currency transfer means 36 first stores data in the currency exchange database 53 of FIG. That is, after converting the daily transaction currency shortage amount of each customer into yen at the exchange rate for evaluation, the converted amount is associated with the customer identification information of each customer and the transfer of the exchange database 53 of FIG. Stored in the amount of money W3 (yen). Since the data storage method has already been described in detail, the description is omitted here.

  Subsequently, the automatic currency transfer means 36 performs automatic currency transfer contract processing at the above-described predetermined timing, and further performs automatic currency transfer delivery processing. Further, the automatic currency transfer means 36 executes processing for releasing the constraint on the constraint amount (a set of constraint amounts used for calculating the daily transaction currency shortage amount) for which the automatic currency transfer has been performed.

  Thereafter, the settlement means 37 performs delivery processing of a trading order of financial products (for example, foreign stocks such as US stocks and Chinese stocks) (step S7). That is, when the settlement means 37 arrives at the time of delivery of a trading order for a financial product such as a foreign stock, the daily transaction currency shortage amount (transfer amount) of each customer stored in the confirmed balance database 50 of FIG. For each customer's final transaction currency balance (for example, US dollars or Hong Kong dollar final balances Z2 and Z3) after the addition of W3 equivalents, or for each customer's final transaction currency balance before addition (for example, US dollars) And the Hong Kong dollar fixed balance Z2, Z3) plus the daily transaction currency shortage amount (equivalent to the transfer amount W3) of each customer, 1 for each customer stored in the contract database 52 of FIG. One or a plurality of contract delivery amounts J2 are increased or decreased (minus for a buy order, plus for a sell order) and settlement processing is executed.

  The following is a specific example of a trading order for Chinese stocks. In the following example, description will be made on the assumption that the numerical value of the transaction amount is the contract delivery amount.

  << Specific Example 1 >> Amount available for purchase (internal and foreign currency) Y5 = 0 (HK $), Amount available for purchase (in Japanese yen) Y6 = 330,000 (yen), and an exchange rate for evaluation of 16.50 yen / HK $ and the hybrid purchase possible amount (HKD) Y4 = 20,000 (HK $). Here, it is assumed that A shares have been purchased and contracted at 10,000 (HK $).

  First, when accepting a buy order for A shares, the approximate delivery amount T2 is stored in the order database 51 of FIG. 3, and the approximate delivery amount T2 and its yen conversion amount are included in the binding amounts K2 and K3 of the binding database 55 of FIG. Is stored (restraint processing when a purchase order is received).

  Thereafter, when a purchase order for A shares is executed, the contract delivery amount J2 is stored in the contract database 52 of FIG. 4, and the binding amounts K2 and K3 of the binding database 55 of FIG. 7 are the approximate delivery amount T2 and the contract delivery amount J2. Is reduced by the difference between the two (the purchase order execution restriction reduction process), and the contract delivery amount J2 and its yen equivalent.

  When the transaction currency shortage amount (Hong Kong dollar shortage amount) is calculated after the end of the day's transaction, it will be 10,000 (HK $), and this amount will be automatically transferred, and the binding money database 55 in FIG. Restraint amounts K2 and K3 are released.

  << Specific Example 2 >> Amount available for purchase (internal and foreign currency) Y5 = 0 (HK $), Amount available for purchase (in Japanese yen) Y6 = 330,000 (yen), and an exchange rate for evaluation of 16.50 yen / HK $ and the hybrid purchase possible amount (HKD) Y4 = 20,000 (HK $). Here, it is assumed that the A share was purchased and contracted at 10,000 (HK $), and then the B share was sold and contracted at 11,000 (HK $).

  First, when a purchase order for A shares is received, the estimated delivery amount T2 of A shares is stored in the order database 51 of FIG. 3, and the approximate delivery amounts of A shares are stored in the restraint amounts K2 and K3 of the restraint database 55 of FIG. T2 and the yen-converted amount are stored (restraint process when receiving a purchase order).

  Subsequently, when a purchase order for A shares is executed, the contract delivery amount J2 of A shares is stored in the execution database 52 of FIG. 4, and the binding amounts K2 and K3 of the binding database 55 of FIG. By reducing the difference between the amount T2 and the contract delivery amount J2 of the A stock (buying order contract restraint reduction processing), the contract delivery amount J2 of the A stock and its yen conversion amount are obtained.

  Thereafter, when a sell order for B shares is received, an approximate delivery amount T2 for B shares is stored in the order database 51 of FIG. No processing related to restraint is performed.

  Then, when the selling order for the B stock is executed, the contract delivery amount J2 for the B stock is stored in the execution database 52 of FIG. Note that, in this example, it is assumed that the selling order contract restriction reduction processing is not performed.

  When the transaction currency shortage amount (Hong Kong dollar shortage amount) is calculated after the day's transaction ends, the total amount of the binding amount K2 in the binding amount database 55 in FIG. HK $), but at this point, the purchaseable amount (internal and foreign currency) Y5 = the contracted delivery amount J2 = 11,000 (HK $) of B shares. Accordingly, automatic exchange transfer may be performed with the total amount of restraint amount 10,000 (HK $) as the transaction currency shortage amount (Hong Kong dollar shortage amount) as it is, but the purchaseable amount (internal and foreign currency) Y5 = 11,000 Since there is (HK $), it is considered that the amount is not subject to automatic currency transfer, and automatic currency transfer does not have to be performed with the transaction currency shortage amount (Hong Kong dollar shortage amount) set to 0 (HK $). Further, the restrained amounts K2 and K3 of the bound money database 55 of FIG. 7 are released.

  As a result of the above processing, when automatic currency transfer is performed as in the former case, the amount available for purchase (internal and foreign currency) Y5 = 11,000 (HK $), the amount available for purchase (local currency) Y6 = 165,000 (Yen). On the other hand, when automatic currency transfer is not performed as in the latter case, the amount available for purchase (internal and foreign currency) Y5 = 1,000 (HK $), the amount available for purchase (local currency) Y6 = 330,000 (yen) It becomes. In both the former and latter cases, the hybrid purchase possible amount (HKD) Y4 = 21,000 (HK $).

  << Specific Example 3 >> Amount available for purchase (internal and foreign currency) Y5 = 0 (HK $), Amount available for purchase (in Japanese yen) Y6 = 330,000 (yen), exchange rate for evaluation 16.50 yen / HK $ and the hybrid purchase possible amount (HKD) Y4 = 20,000 (HK $). Here, it is assumed that the B stock is sold and this is executed at 11,000 (HK $), and then the A stock is purchased and executed at 10,000 (HK $).

  First, when a sell order for B shares is received, an approximate delivery amount T2 for B shares is stored in the order database 51 of FIG. No processing related to restraint is performed.

  Subsequently, when a sell order for B shares is executed, the contract delivery amount J2 for B shares is stored in the execution database 52 of FIG.

  Thereafter, when accepting a purchase order for the A stock, the estimated delivery amount T2 for the A stock is stored in the order database 51 of FIG. However, at this point, the amount available for purchase (internal and foreign currency) Y5 = the contracted delivery amount of B shares J2 = 11,000 (HK $), so there is enough funds to purchase A shares For this reason, the binding process is not performed when a purchase order is accepted.

  Then, when the purchase order for the A stock is executed, the contract delivery amount J2 for the A stock is stored in the execution database 52 of FIG. However, at the time of accepting the buy order for the above A shares, the restraint process at the time of accepting the buy order is not performed, so a buy order contract that reduces the difference between the approximate delivery amount T2 of A shares and the agreed delivery amount J2 of A shares Time restraint reduction processing is not performed.

  When the transaction currency shortage amount (Hong Kong dollar shortage amount) is calculated after the end of the day's transaction, the total amount of the binding amount K2 in the binding amount database 55 in FIG. 7 is zero, and no binding has occurred. There is no automatic currency transfer.

  As a result of the above processing, the amount available for purchase (internal and foreign currency) Y5 = 1,000 (HK $), the amount available for purchase (inner yen) Y6 = 330,000 (yen), and the amount available for hybrid purchase (HKD) Y4 = 21,000 (HK $).

  << Specific Example 4 >> This is a case where a plurality of Chinese stocks are traded as shown in FIGS. 13 to 15, and the following two patterns will be described. For convenience of explanation, the binding amount K2 in the binding amount database 55 in FIG. 7 is shown in a state in which the binding amounts K2 of the records of each order of the same customer are totaled. In addition, since it is an explanation centered on the state after the order is executed, the processing at the time of order reception is omitted, and it is an explanation after the replacement from the approximate delivery amount to the execution amount Yes.

  <Restricted / Automatic currency transfer pattern 1> No reduction of binding money due to selling order execution during trading (restraint reduction processing at the time of selling order execution), or no reduction of automatic currency transfer amount after the transaction ends (occurs once during trading) If the binding money is subject to automatic currency transfer)

  <Restricted / automatic currency transfer pattern 2> When there is no reduction in binding money due to selling order execution during trading (restraint reduction processing at the time of selling order execution), and there is a reduction in automatic currency transfer amount after the transaction ends

  [1] Before the transaction starts (morning), the restraint amount K2 = 0 HK $ in the constraint database 55 in FIG. 7, the transfer amount W3 = 0 yen (equivalent to 0HK $) in the exchange database 53 in FIG. Transfer amount N3 of deposit / withdrawal database 54 = 3,000 HK $ (assumed to be HKD deposit and can be reflected), HKD confirmed balance Z3 of confirmed balance database 50 of FIG. 2 = 2,000 HK $, In the fixed balance database 50 of FIG. 2, the yen fixed balance Z1 = 660,000 yen (equivalent to 40,000 HK $).

  Therefore, the purchaseable amount (internal and foreign currency) Y5 = 2,000 HK $ (determined balance DB) +3,000 HK $ (deposit / withdrawal DB) = 5,000 HK $. Further, the purchaseable amount (in yen) Y6 = 660,000 yen (equivalent to 40,000HK $) (determined balance DB). Therefore, the hybrid purchase possible amount (HKD) Y4 = 45,000HK $.

  [2] When the purchase of the A stock is executed at 10,000 HK $, the contract delivery amount J2 = 10,000 HK $ of the A stock is stored in the execution database 52 of FIG. In addition, as described in [1] above, since the A share purchase of 10,000 HK $ is performed in a state where the purchaseable amount (internal and foreign currency) Y5 = 5,000 HK $, the transaction currency of 5,000 HK $ A shortage has occurred. Therefore, the constraint amount K2 in the constraint money database 55 of FIG. 7 is 5,000 HK $. In addition, in the purchaseable amount (internal and foreign currency) Y5, 10,000 HK $ (contract DB) of the contract delivery amount J2 of A shares is reflected as a minus, and 5,000 HK $ (binding DB) is reflected as a plus. Therefore, Y5 = 0HK $ in the end. In addition, since 5,000 HK $ equivalent (restraint DB) is reflected in the purchaseable amount (inner yen) Y6, Y6 = 35,000 HK $. Therefore, the hybrid purchase possible amount (HKD) Y4 = 35,000HK $.

  [3] When the sale of B shares is executed at 11,000 HK $, the contract delivery amount J2 = 11,000 HK $ of B shares is stored in the execution database 52 of FIG. Further, in this example, since the sell order contract restriction reduction process is not performed, the constraint amount K2 = 5,000 HK $ in the constraint database 55 of FIG. 7 is maintained. In addition, in the purchaseable amount (internal and foreign currency) Y5, 11,000 HK $ (contract DB) of the contract delivery amount J2 of B shares is reflected as a plus, and 5,000 HK $ (binding DB) is reflected as a plus. As a result, Y5 = 11,000HK $. In addition, since 5,000 HK $ equivalent (restraint DB) is reflected in the purchaseable amount (inner yen) Y6, Y6 = 35,000 HK $. Accordingly, the hybrid purchase possible amount (HKD) Y4 = 46,000HK $.

  [4] When the purchase of the C stock is executed at 13,000 HK $, the contract delivery amount J2 = 13,000 HK $ of the C stock is stored in the execution database 52 of FIG. In addition, as described in [3] above, in the state where the purchaseable amount (internal and foreign currency) Y5 = 11,000HK $, C shares are purchased for 13,000HK $, so the transaction currency of 2,000HK $ A shortage has occurred. Accordingly, the total amount of the restraint amount K2 in the restraint money database 55 of FIG. 7 increases by 2,000 HK $ to 7,000 HK $. The available amount (internal and foreign currency) Y5 reflects the 13,000 HK $ (contract DB) of the contract delivery amount J2 of C shares as a negative and the 7,000 HK $ (binding DB) as a positive. Therefore, Y5 = 0HK $ in the end. In addition, since 7,000 HK $ equivalent (restraint DB) is reflected in the purchaseable amount (inner yen) Y6, Y6 = 33,000 HK $. Therefore, the hybrid purchase possible amount (HKD) Y4 = 33,000HK $.

  [5] When the sale of the D stock is executed at 4,000 HK $, the contract delivery amount J2 of the D stock J2 = 4,000 HK $ is stored in the execution database 52 of FIG. Further, in this example, since the sell order execution restriction reduction process is not performed, the total amount of the restriction amount K2 in the restriction money database 55 of FIG. 7 is maintained at 7,000 HK $. In addition, the 4,000 HK $ (contract DB) of the contract delivery amount J2 of D shares is reflected as a plus and 7,000 HK $ (restraint DB) is reflected as a plus in the available amount (internal and foreign currency) Y5. Therefore, in the end, Y5 = 4,000HK $. In addition, since 7,000 HK $ equivalent (restraint DB) is reflected in the purchaseable amount (in Japanese yen) Y6, Y6 = 33,000 HK $ equivalent. Therefore, the hybrid purchase possible amount (HKD) Y4 = 37,000HK $.

  [6] From the above, the state after the end of the day's transaction is the amount available for purchase (internal and foreign currency) Y5 = 4,000 HK $, the amount available for purchase (in Japanese yen) Y6 = 33,000 HK $, hybrid purchase Possible amount (HKD) Y4 = 37,000HK $, total amount of restraint amount K2 in restraint money database 55 in FIG. 7 = 7,000HK $, transfer amount W3 = 0 in exchange database 53 in FIG. 5 (equivalent to 0HK $) 6, transfer amount N3 = 3,000 HK $ in deposit / withdrawal database 54, HKD final balance Z3 = 2,000HK $ in final balance database 50 in FIG. 2, and yen final balance Z1 = 660 in final balance database 50 in FIG. 000 yen (equivalent to 40,000 HK $).

  [7] In the state [6] above, the transfer amount (transaction currency deficit amount = HKD deficiency amount) of the automatic exchange transfer by the automatic exchange transfer means 36 is calculated.

  In <Restricted / Automatic Exchange Transfer Pattern 1>, the total amount of the restricted amount K2 in the restricted amount database 55 of FIG. 7 after the end of the transaction on the day = 7,000HK $ is used as it is, and the automatic exchange transfer amount W3 = 7,000HK. $ Equivalent.

  <Restriction / Automatic Currency Transfer Pattern 2> From the total amount of restraint amount K2 in the restraint money database 55 of FIG. 7 after the end of the day transaction = 7,000 HK $, the possible purchase amount after the end of the day transaction An amount obtained by subtracting Y5 = 4,000 HK $ (internal and foreign currency) is set as an automatic currency transfer amount W3 (equivalent to W3 = K2-Y5 = 3,000 HK $). This is based on the idea that, at the end of the transaction on the 1st, the purchaseable amount (internal and foreign currency) Y5 = 4,000 HK $, so that the amount is not subject to automatic currency transfer.

  The above is equivalent to: That is, if the trade amount of the trade order executed on the day is offset by adding the contract delivery amount (with buy as negative and sell as positive), -10,000HK $ (A share purchase) + 1,000HK $ (B share sale)- 13,000HK $ (C stock purchase) + 4,000HK $ (D stock sales) = − 8,000HK $ (reduction of 8,000HK $). Since the amount of money that can be purchased (foreign currency) Y5 = 5,000HK $ before the start of trading (morning), considering the increase or decrease on that day, 5,000HK $ -8,000HK $ =-3,000HK $ (3, 000HK $ shortage), and this shortage amount 3,000HK $ equivalent is the transfer amount W3 for automatic currency transfer.

  [8] In a state after execution of automatic exchange transfer (including deregulation), the transfer amount of automatic exchange transfer is equivalent to 7,000 HK $ in <Restriction / Automatic Exchange Transfer Pattern 1>. The $ equivalent is stored in the transfer amount W3 of the exchange database 53 of FIG. In <Restriction / Automatic Exchange Transfer Pattern 2>, the transfer amount of the automatic exchange transfer is equivalent to 3,000 HK $, and this 3,000 HK $ equivalent is stored in the transfer amount W3 of the exchange database 53 of FIG. Further, the total amount of the restraint amount K2 in the restraint money database 55 of FIG. 7 becomes 0HK $ when the restraint is released.

  In <Restriction / Automatic Currency Transfer Pattern 1>, 7,000 HK $ (exchange DB) is reflected in the purchaseable amount (internal and foreign currency) Y5 as a plus, and the term of the constrained money database 55 in FIG. 7 disappears. In the end, Y5 = 4,000HK $. In <Restricted / Automatic Currency Transfer Pattern 2>, 3,000 HK $ (Exchange DB) is reflected in the purchaseable amount (internal and foreign currency) Y5 as a plus, and the term of the restricted money database 55 in FIG. 7 is lost. Therefore, Y5 = 0HK $ in the end.

  Further, in <Restricted / Automatic Currency Transfer Pattern 1>, 7,000 HK $ (Exchange DB) is reflected negatively in the purchaseable amount (in Japanese yen) Y6, and the term of the restricted money database 55 in FIG. 7 disappears. As a result, Y6 = 33,000HK $. In <Restriction / Automatic Currency Transfer Pattern 2>, 3,000 HK $ (exchange DB) is reflected in the available purchase amount (in Japanese yen) Y6 as a minus, and the term of the constrained money database 55 in FIG. 7 is lost. Therefore, in the end, Y6 = 37,000HK $ equivalent.

  Therefore, in both cases of <Restriction / Automatic Exchange Transfer Patterns 1 and 2>, the hybrid purchase possible amount (HKD) Y4 = 37,000HK $.

  [9] In the state after the deposit / withdrawal process, the transfer amount N3 in the deposit / withdrawal database 54 of FIG. 6 is 0HK $ upon completion of the process. The HKD final balance Z3 in the final balance database 50 in FIG. 2 is 5,000HK $ by adding the amount of transfer amount N3 = 3,000HK $ to 2,000HK $. In addition, in the purchaseable amount (internal and foreign currency) Y5, this 5,000 HK $ (determined balance DB) is positively reflected as a base amount, and the term of the deposit / withdrawal database 54 in FIG. In <Restricted / Automatic Exchange Transfer Pattern 1>, Y5 = 4,000 HK $, and in <Restricted / Automatic Exchange Transfer Pattern 2>, Y5 = 0HK $.

  [10] In the state after the settlement process, the transfer amount W3 in the exchange database 53 of FIG. 5 is 0HK $ upon completion of the process.

  In <Restricted / Automatic Exchange Transfer Pattern 1>, the HKD fixed balance Z3 in the fixed balance database 50 of FIG. 000HK $ decreases, and eventually Z3 = 4,000HK $. In the confirmed yen balance Z1 in the confirmed balance database 50 in FIG. 2, the transfer amount W3 = 7,000 HK $ equivalent is reduced, and Z1 = 544,500 yen (33,000 HK $ equivalent). In addition, Z3 = 4,000 HK $ (determined balance DB) is reflected as a base amount positively in the purchaseable amount (internal and foreign currency) Y5, and Z1 = 33, Equivalent to 000HK $ is reflected as a base amount.

  In <Restricted / Automatic Currency Transfer Pattern 2>, the HKD fixed balance Z3 in the fixed balance database 50 of FIG. 2 is added with the transfer amount W3 = 3,000HK $, and the contracted delivery amount J2 due to trading of the stock is increased or decreased by 8, 000HK $ decreases, and eventually Z3 = 0HK $. In the confirmed yen balance Z1 in the confirmed balance database 50 in FIG. 2, the transfer amount W3 = 3,000 HK $ equivalent is reduced, and Z1 = 610,500 yen (37,000 HK $ equivalent). Then, Z3 = 0HK $ (determined balance DB) is reflected as a base amount in the purchaseable amount (internal and foreign currency) Y5, and Z1 = 37,000HK $ in the purchaseable amount (internal currency) Y6. Equivalents are reflected as positive base amounts.

  Therefore, in both cases of <Restriction / Automatic Exchange Transfer Patterns 1 and 2>, the hybrid purchase possible amount (HKD) Y4 = 37,000HK $.

  << Specific Example 5 >> This is a case where a plurality of Chinese stocks are traded as shown in FIGS. 16 and 17, and <Restriction / Automatic Currency Transfer Pattern 3> Reduction of Binding Money by Selling Order Execution During Trading ( The case where there is a sell order execution time restraint reduction process) will be described.

  [1] The state before the start of trading (morning), [2] The processing when the purchase of A shares is executed at 10,000 HK $ is the same as << Specific Example 4 >> described above.

  [3] When the sale of B shares is executed at 11,000 HK $, the contract delivery amount J2 = 11,000 HK $ of B shares is stored in the execution database 52 of FIG. As described in [2] above, the constraint amount K2 in the constraint money database 55 in FIG. 7 is 5,000 HK $. However, in this example, the constraint order K2 = 5 is executed because the sell order execution constraint reduction processing is performed. , 000HK $ are all reduced, and the total amount of restraint amount K2 in the restraint amount database 55 in FIG. 7 becomes zero. In addition, in the amount available for purchase (internal and foreign currency) Y5, 11,000HK $ (contract DB) of the contract delivery amount J2 of B shares is reflected as a plus, but the term of the binding money database 55 in FIG. 7 is lost. In the end, Y5 = 6,000HK $. Further, since the term of the binding money database 55 of FIG. 7 is also lost in the purchaseable amount (inner yen) Y6, Y6 = 40,000 HK $ equivalent. Accordingly, the hybrid purchase possible amount (HKD) Y4 = 46,000HK $.

  [4] When the purchase of the C stock is executed at 13,000 HK $, the contract delivery amount J2 = 13,000 HK $ of the C stock is stored in the execution database 52 of FIG. In addition, as described in [3] above, the purchase price (internal and foreign currency) Y5 = 6,000 HK $ and the purchase of C shares of 13,000 HK $, the transaction currency of 7,000 HK $ A shortage has occurred. Accordingly, 7,000 HK $ is stored in the constraint amount K2 of the constraint money database 55 of FIG. The available amount (internal and foreign currency) Y5 reflects the 13,000 HK $ (contract DB) of the contract delivery amount J2 of C shares as a negative and the 7,000 HK $ (binding DB) as a positive. Therefore, Y5 = 0HK $ in the end. In addition, since 7,000 HK $ equivalent (restraint DB) is reflected in the purchaseable amount (inner yen) Y6, Y6 = 33,000 HK $. Therefore, the hybrid purchase possible amount (HKD) Y4 = 33,000HK $.

  [5] When the sale of the D stock is executed at 4,000 HK $, the contract delivery amount J2 of the D stock J2 = 4,000 HK $ is stored in the execution database 52 of FIG. Further, as described in [4] above, the total amount of the restraint amount K2 in the restraint amount database 55 of FIG. 7 is 7,000 HK $, but in this example, the sell order contract restraint reduction processing is performed. 4,000 HK $ of the restricted amount K2 = 7,000 HK $ is reduced, and the total amount of the restricted amount K2 in the restricted amount database 55 in FIG. 7 becomes 3,000 HK $. In addition, the 4,000 HK $ (contract DB) of the contract delivery amount J2 of D shares is reflected as a plus and 3,000 HK $ (binding DB) is reflected as a plus in the available amount (internal and foreign currency) Y5. Therefore, Y5 = 0HK $ in the end. Further, since 3,000 HK $ equivalent (restraint DB) is reflected in the purchaseable amount (inner yen) Y6, Y6 = 37,000 HK $ equivalent. Therefore, the hybrid purchase possible amount (HKD) Y4 = 37,000HK $.

  [6] From the above, the state after the day's transaction ends is the amount available for purchase (internal and foreign currency) Y5 = 0HK $, the amount available for purchase (in Japanese yen) Y6 = 37,000HK $, the amount available for hybrid purchase (HKD) Y4 = 37,000HK $, total amount of restraint amount K2 in restraint money database 55 in FIG. 7 = 3,000HK $, transfer amount W3 = 0 yen (corresponding to 0HK $) in exchange database 53 in FIG. 6, the transfer amount N3 = 3,000 HK $ in the deposit / withdrawal database 54, the HKD fixed balance Z3 = 2,000HK $ in the fixed balance database 50 in FIG. 2, and the yen fixed balance Z1 = 660,000 in the fixed balance database 50 in FIG. It is a yen (equivalent to 40,000HK $).

  [7] In the state [6] above, the transfer amount (transaction currency deficit amount = HKD deficiency amount) of the automatic exchange transfer by the automatic exchange transfer means 36 is calculated.

  In <Restriction / Automatic Exchange Transfer Pattern 3>, the total amount of the restricted amount K2 in the restricted amount database 55 of FIG. $ Equivalent. This process itself is the same as the above-described <Restriction / Automatic Currency Transfer Pattern 1>. However, the transfer amount W3 = 3,000 HK $ equivalent of the automatic exchange transfer is the same as the above-mentioned <Restriction / Automatic Exchange Transfer Pattern 2>. That is, in <Restraining / Automatic Exchange Transfer Pattern 3>, the restraint amount is reduced during the transaction. Therefore, the automatic exchange transfer amount W3 is the same as that of <Restraining / Automatic Exchange Transfer Pattern 2>.

  [8] In the state after the automatic exchange transfer is executed (including the release of restraint), the transfer amount of the automatic exchange transfer is equivalent to 3,000 HK $, so this equivalent to 3,000 HK $ is stored in the exchange database 53 of FIG. It is stored in the transfer amount W3. Further, the total amount of the restraint amount K2 in the restraint money database 55 of FIG. 7 becomes 0HK $ when the restraint is released.

  Then, 3,000 HK $ (exchange DB) is reflected in the purchaseable amount (internal and foreign currency) Y5 and the term of the binding money database 55 in FIG. 7 is lost, so Y5 = 0HK $ as a result. Become. In addition, 3,000 HK $ (exchange DB) is reflected as a negative value in the purchaseable amount (in Japanese yen) Y6, and the term of the binding money database 55 in FIG. 7 is lost, so Y6 = 37,000HK in the end. $ Equivalent. Therefore, the hybrid purchase possible amount (HKD) Y4 = 37,000HK $.

  [9] In the state after the deposit / withdrawal process, the transfer amount N3 in the deposit / withdrawal database 54 of FIG. 6 is 0HK $ upon completion of the process. The HKD final balance Z3 in the final balance database 50 in FIG. 2 is 5,000HK $ by adding the amount of transfer amount N3 = 3,000HK $ to 2,000HK $. In addition, in the purchaseable amount (internal and foreign currency) Y5, this 5,000 HK $ (determined balance DB) is positively reflected as a base amount, and the term of the deposit / withdrawal database 54 in FIG. Y5 = 0HK $.

  [10] In the state after the settlement process, the transfer amount W3 in the exchange database 53 of FIG. 5 is 0HK $ upon completion of the process. 2, the transfer amount W3 = 3,000 HK $ is added to the HKD fixed balance Z3 in the fixed balance database 50 in FIG. It has become. In the confirmed yen balance Z1 in the confirmed balance database 50 in FIG. 2, the transfer amount W3 = 3,000 HK $ equivalent is reduced, and Z1 = 610,500 yen (37,000 HK $ equivalent). Then, Z3 = 0HK $ (determined balance DB) is reflected as a base amount in the purchaseable amount (internal and foreign currency) Y5, and Z1 = 37,000HK $ in the purchaseable amount (internal currency) Y6. Equivalents are reflected as positive base amounts. Therefore, the hybrid purchase possible amount (HKD) Y4 = 37,000HK $.

  According to this embodiment, there are the following effects. That is, in the buying and selling order system 10, when a purchase order for a financial product such as a foreign stock is made, even if the purchase funds held in the transaction currency (the currency used for the transaction of the financial product) are insufficient, If you have a currency other than the transaction currency, you can process the transaction by constraining the other currency when accepting an order for a purchase order, and perform automatic currency transfer processing based on the constrained amount after the transaction ends that day. We can make up for the lack of currency in other currencies. For example, if the Hong Kong dollar (HKD), which is the transaction currency, is insufficient when purchasing Chinese stocks, or the US dollar (USD), which is the transaction currency when purchasing US stocks, is another currency If you have yen, you can make up for the shortage of the transaction currency with yen.

  For this reason, if you have multiple currencies as purchase funds, you can purchase financial products such as foreign stocks in the combined state. This eliminates the need to perform the operation, saves time, and eliminates the need for much time for processing such as transfer, thereby improving the convenience of the customer.

  Conventionally, when you want to purchase a financial product, even if you have multiple currencies as funds for purchase, if any currency has not reached the amount required for the purchase, transfer, etc. Since it was necessary to concentrate the funds for purchase in one currency, the customer made a decision not to make a purchase in consideration of the effort, and it took time for procedures such as transfer As a result, ordering opportunities were sometimes missed. However, in the buying and selling order system 10, these problems are solved, and it is possible to place an order immediately when it is desired to purchase a financial product such as a foreign stock. Can lead to an increase in For financial institutions such as securities companies, side effects such as an increase in commission income can be expected due to an increase in customer ordering opportunities.

  Further, in the buying and selling order system 10, as shown in FIG. 10 and FIG. 11, the hybrid purchaseable amount (USD) Y1 and the hybrid purchaseable amount (HKD) Y4 are displayed on the asset status display screen 100 and the order screen 200. Therefore, the customer can easily grasp the purchaseable amount in a state where the purchase funds held in a plurality of currencies are combined, and look at the display of the hybrid purchaseable amounts Y1 and Y4. You can decide the purchase price (purchase quantity) of financial instruments such as foreign stocks you want to buy. For this reason, the usability of the system for the customer can be improved.

  Further, when the priority order setting means 42 and the priority order database 59 are provided, two or more other currencies other than the transaction currency have two or more transaction currencies when the purchase currency is insufficient. The amount of restraint for each of the other currencies can be determined in descending order of priority. So, for example, if you have a shortage of Hong Kong dollars (HKD) at the time of purchase of Chinese stocks, and you have yen and US dollars (USD) at that time, first make up for the shortage of Hong Kong dollars (HKD) with high-priority yen (Restriction of yen is performed.) If this is not enough, a process of supplementing with low US dollars (USD) of priority (restraining of US dollar) can be realized.

  Furthermore, when the allocation setting means 41 and the allocation database 58 are provided, when the transaction currency is insufficient, not all of the purchased funds possessed as other currencies but part of the transaction currency is compensated. Can be allocated to funds. Thus, for example, if you have US dollars (USD) or Hong Kong dollars (HKD) and you buy US stocks with US dollars as your trading currency, you may specify the specified amount of yen (the remaining amount of the specified amount). ) Or the designated percentage is allocated to funds to make up for the shortage in the case of a shortage of US dollars (restricted against the yen due to the shortage of US dollars), and when purchasing Chinese shares with Hong Kong dollar as the transaction currency, Amount (may be the remaining amount of the specified amount) or a specified percentage can be allocated to funds to make up for the shortage in the event of a shortage of Hong Kong dollars.

  Since the buying and selling order system 10 includes the hook registration means 40 and the hook registration database 56 (see FIG. 8), a financial institution such as a securities company can adjust the hook according to the market change. In the event of a significant market change, cancel the process of compensating for the shortage in other currencies when the transaction currency is insufficient (the process of restricting other currencies and performing automatic currency transfer from other currencies to the transaction currency after the transaction ends) You can also.

  In addition, when the restraint means 35 is configured to execute a sell order contract restraint reduction process, the total amount of restraint amount at the end of the day of the transaction is reduced. It is possible to reduce the amount, and it is possible to realize an automatic currency transfer process for the minimum necessary amount.

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

  For example, in the embodiment, in the asset status display screen 100 of FIG. 10 and the order screen 200 of FIG. 11, the hybrid purchase possible amount (USD) = Y1 (US $) and the hybrid purchase possible amount (HKD) = Y4. (HK $) and the like were displayed, but the numerical values of these amounts were all in actual currency. However, these screen displays may be a screen display using a virtual currency, or a screen display using a real currency and a screen display using a virtual currency may be switched. . The screen display using the virtual currency can be realized by the following configuration, for example.

  That is, the virtual currency version order receiving means corresponding to the order receiving means 32 of the embodiment is calculated using the confirmed balances Z1, Z2, Z3,... Of each currency stored in the confirmed balance database 50 of FIG. Virtual currency for each currency by converting the purchaseable amount of each currency (yen, US dollar, Hong Kong dollar, etc.) at each exchange rate for evaluation (evaluation exchange rate between each currency and virtual currency) By calculating the convertible purchase amount shown in units, and summing up these convertible purchase amounts, the hybrid purchase amount shown in virtual currency units is calculated by summing up multiple currencies, The unit price of the financial product indicated in the transaction currency unit is converted by the evaluation exchange rate between the transaction currency and the virtual currency to calculate the converted unit price of the financial product expressed in the virtual currency unit, and is shown in the virtual currency unit. Available hybrid purchase price and unit price Display data ordering screen including the display may be configured to execute the order screen transmission processing via the network 1 to the customer terminal 70.

  Then, when the order receiving means of the virtual currency version performs the order screen transmission process, when the binding amount is stored in the binding database 55 of FIG. 7 in association with the customer identification information of the customer, The processing for calculating the purchaseable amount of each currency may include processing for subtracting the amount of restraint for the currency that is bound, and processing for adding the amount of restraint for the insufficient currency that caused the restraint.

  In addition, the virtual currency version order acceptance means not only displays on the screen the hybrid purchase allowance shown in virtual currency units and the conversion unit price of financial products shown in virtual currency units, but also the stock price chart of foreign stocks, etc. Such price fluctuation charts of financial products may also be displayed on the screen in units of virtual currency.

  However, the processing using the virtual currency may be only the display and input on the screen corresponding to the asset status display screen 100 in FIG. 10 and the order screen 200 in FIG. 11 in the above embodiment. As long as the virtual currency is used for display and input, the processing performed in the system should be performed after conversion from the virtual currency to the actual currency. . Therefore, the virtual currency only needs to be noticed by the customer at the time of ordering.

  In this way, when it is configured to display the hybrid purchaseable amount and conversion unit price etc. using virtual currency, the customer can purchase the hybrid purchaseable amount by totaling the purchase funds of each currency that he owns, The unit price of the financial product to be purchased can be grasped in units of virtual currency, and the amount to be purchased and the quantity to be purchased can be considered in units of virtual currency. For this reason, regardless of the transaction currency in which the financial product you want to purchase is purchased, without being aware of the value of the transaction currency itself (~ US dollar, ~ Hong Kong dollar, ~ yen, etc.) The amount of money (amount indicated in virtual currency units) and the quantity to be purchased can be determined. For example, if the hybrid purchaseable amount shown in virtual currency units is 1,000 coins and the conversion unit price of the financial product shown in virtual currency units is 10 coins, quantity = 100 (100 shares, 100 shares) ), It is possible to grasp that it is possible to purchase half of 500 coins or to purchase 50 = 50 (50 shares, 50 shares).

  As described above, the financial product buying and selling order system and program of the present invention are suitable for use when, for example, buying and selling foreign stocks such as US stocks and Chinese stocks through a Japanese securities company.

DESCRIPTION OF SYMBOLS 1, 2 Network which is a communication line 3, 4 Communication line 10 Trading order system 20 Trading order server 32 Order acceptance means 34 Contracting means 35 Binding means 36 Automatic currency transfer means 40 Multiply registration means 41 Assignment setting means 42 Priority setting means 50 Fixed balance database 51 Order database 52 Contract database 53 Exchange database 55 Binding database 56 Multiply registration database 57 Rate database 58 Allocation database 59 Priority database 70 Customer terminal device 71 Administrator terminal device 80 Market system 90 Financial information provision system

Claims (5)

A financial product buy / sell order system configured by a computer that executes processing related to a financial product buy / sell order,
A fixed balance database that stores a fixed balance of each currency that a customer deposits with a financial institution as funds used for the purchase order of the financial product in association with customer identification information;
Order accepting means for executing processing for receiving order data of the trading order of the financial product transmitted from the customer terminal device operated by the customer or its input agent via the communication line; and
For the order using the order data of the trading order of the financial product received by the order receiving means, the contract data of the trading order of the financial product transmitted from the market system via the communication line is received and received. A contract means for executing processing for storing the contract data in the contract database in association with the customer identification information;
When the order data received by the order receiving means is the order data of a buy order, the approximate delivery amount determined from the order data of the buy order is related to the customer identification information of the customer who placed the order and confirmed. When the transaction currency exceeds the available purchase amount of the transaction currency at the time of order reception calculated using the transaction currency fixed balance stored in the balance database, the excess amount is converted into a currency other than the transaction currency due to a lack of transaction currency. The restraint amount at the time of purchase order acceptance stored in the restraint money database in association with the customer identification information, and the restraint amount database stored at the buy order acceptance restraint process when the buy order is executed The amount of restraint is a contract determined from the approximate delivery amount and contract data of the buy order stored in the contract database. Either of the two processes of the buy order execution restraint reduction process that reduces within the range of the difference from the delivery amount is executed, or the buy order acceptance process is executed but the buy order execution is executed. Restraint means that does not execute the time restraint reduction process,
After the end of the transaction, the amount of each of the customers or the total amount of the plurality of binding amounts of each customer stored in the binding money database in association with the customer identification information of each customer is calculated for each customer who has generated that day. Each customer's customer is determined as a transaction currency shortage amount, or from each of the customer's binding amount or the total amount of the binding amounts stored in the binding database in association with customer identification information of each customer. The amount obtained by subtracting the amount that can be purchased in the transaction currency at the end of the transaction of each customer calculated by using the determined balance of the transaction currency of each customer stored in the fixed balance database in association with the identification information, The daily transaction currency shortage amount of each customer that occurred in the automatic, and the daily transaction currency shortage amount of each customer is automatically transferred from other currencies to the transaction currency And an automatic exchange transfer means for performing the exchange transfer process,
The binding money database is
It is configured to store the amount of restraint in association with the restraint type for identifying the currency under restraint and the currency that generated the restraint, and customer identification information,
The order receiving means is
Transaction by converting the purchaseable amount in other currency calculated by using the fixed balance in other currency associated with the customer identification information of the customer who placed the order and stored in the fixed balance database at the exchange rate for evaluation Calculate the convertible purchase amount shown in currency units, and calculate this convertible purchase amount using the confirmed balance of the transaction currency associated with the customer identification information of the customer and stored in the confirmed balance database. By adding to the purchase price of the transaction currency, the amount of the hybrid purchase is calculated by summing up multiple currencies and displayed in the transaction currency unit. Executing order screen transmission processing for transmitting display data to the customer terminal device via a communication line;
In the order screen transmission process, when the binding amount is stored in the binding money database in association with the customer identification information of the customer, the other currency is calculated in the calculation process of the purchaseable amount of the other currency. A process of subtracting the amount of restraint associated with the restraint type indicating that the currency is restrained, and a restraint type indicating that the other currency is a shortage currency causing the restraint In addition to the process of adding the associated amount of restraint, the calculation process of the purchaseable amount of the transaction currency is associated with a constraint type indicating that the transaction currency is a restrained currency. Including a process of subtracting the restraint amount and a process of adding the restraint amount associated with a constraint type indicating that the transaction currency is a deficient currency that has caused the constraint. Financial products trading ordering system which is characterized in that it is configured to be. Among the fixed balances of each currency stored in the fixed balance database, the arbitrary or specific among the purchaseable amounts of the arbitrary or specific currency calculated using the fixed balance of the arbitrary or specific currency Accepts input from the customer terminal device regarding the amount or percentage of the amount to be allocated to the convertible purchaseable amount constituting the hybrid purchaseable amount when a currency different from the currency becomes the transaction currency, and the received assignment An allocation setting means for executing processing for storing the amount of money or the ratio of the amount in the allocation database in association with the customer identification information;
The order receiving means is
When calculating the hybrid purchase possible amount, the other currency is used by using the allocation amount or the ratio of the amount stored in the allocation database in association with the customer identification information of the customer who made the order. The allocated amount of the available purchase amount is determined, the determined assigned amount is converted at the exchange rate for evaluation, and the converted purchase amount shown in the transaction currency unit is calculated. The financial product buying and selling order system according to claim 1 , wherein processing for adding to the purchaseable amount of the transaction currency is executed. The restraining means is
When the contract data received by the contract means is contract data of a sell order, the bound amount stored in the bound database in association with customer identification information of a customer who has placed the sold order 3. The method according to claim 1 or 2 , wherein, when there is, there is a configuration for executing a sell order contracted restraint reduction process for reducing the restraint amount within a delivery amount range determined from contract data of the sell order. The described financial product buying and selling order system. The order receiving means is
It is configured to switch between screen display using real currency and screen display using virtual currency,
Converted purchases indicated in virtual currency units for each currency by converting the purchaseable amount of each currency calculated by using the determined balance of each currency stored in the determined balance database, respectively, at each exchange rate for evaluation. By calculating the total amount that can be purchased and summing up these convertible purchase amounts, the combined amount that can be purchased in the virtual currency unit is calculated by summing up multiple currencies. The unit price of the financial product is converted at the exchange rate for evaluation between the transaction currency and the virtual currency to calculate the converted unit price of the financial product expressed in virtual currency units, and the hybrid purchaseable amount and the conversion Executing order screen transmission processing for transmitting order screen display data including unit price display to the customer terminal device via a communication line,
In this order screen transmission process, when the binding amount is stored in the binding database in association with the customer identification information of the customer, the calculation process of the purchaseable amount of each currency is restricted. 2. The financial product buying and selling according to claim 1, comprising: a process of subtracting the restraint amount for a currency that is present, and a process of adding the restraint amount for a shortage currency that has caused the restraint. Order system. A program for causing a computer to function as the financial product buying and selling order system according to any one of claims 1 to 4 .

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