TWI846237B - Ordering system, ordering method, and program products - Google Patents

Abstract

[Topic] Allow users to place orders for periodic fixed-amount products using electronic currency. [Solution] The checkout timing determination unit (110) of the ordering system (S) determines whether the checkout timing for the periodic fixed-amount products ordered by the user has arrived. The checkout processing execution unit (111) executes the checkout processing for the periodic fixed-amount products based on the electronic currency held by the user and the fixed deduction amount specified by the user when it is determined that the checkout timing has arrived. The order processing execution unit (112) executes the order processing for the periodic fixed-amount products.

Description

Ordering system, ordering method, and program products

This disclosure relates to ordering systems, ordering methods, and program products.

Previously, various investment products such as investment trusts and stocks were already known. For example, Patent Document 1 states that the electronic currency deposited by the user can be transferred to a principal guarantee operation account, or a settlement process for government bonds, corporate bonds, or investment trusts can be executed. For example, Patent Document 2 states that after converting credit card points into cash and depositing funds into an investment product account through a bank account, a settlement process corresponding to the monthly payment set for the investment product account is executed. [Prior Technical Document] [Patent Document]

[Patent Document 1] Japanese Patent Publication No. 2020-30491 [Patent Document 2] Japanese Patent Publication No. 2008-529116

[The problem that the invention wants to solve]

However, the technology of Patent Document 1 is only to place an order for government bonds, corporate bonds, or investment trusts every time the user deposits electronic currency, so it is not possible to use electronic currency to place an order for fixed-amount products that are ordered regularly. The technology of Patent Document 2 is only to use credit card points to place an order for fixed-amount products, so it is not possible to use electronic currency to place an order for fixed-amount products. In the previous technology, it is not possible for users to use electronic currency to place an order for fixed-amount products.

One of the purposes of this disclosure is to allow users to use electronic currency to place orders for regular fixed-amount products. [Means for solving the problem]

The order placing system disclosed in the present disclosure comprises: a checkout timing determination unit, which determines whether the checkout timing of the periodic fixed amount product ordered by the user has arrived; and a checkout processing execution unit, which, when it is determined that the previous checkout timing has arrived, executes the checkout processing of the previous periodic fixed amount product based on the electronic currency held by the previous user and the fixed deduction amount specified by the previous user; and an order processing execution unit, which executes the order processing of the previous periodic fixed amount product. [Effect of the invention]

According to this disclosure, users can use electronic currency to place orders for regular fixed-amount products.

[1. Overall structure of the order system]

An example of an implementation form of the order placing system described in the present disclosure is described. FIG. 1 is a diagram showing an example of the overall structure of the order placing system. The order placing system S includes: an electronic currency server 10, a securities server 20, and a user terminal 30. These can be connected to a network N such as the Internet or a LAN. The order placing system S only needs to include at least one computer and is not limited to the example in FIG. 1.

The electronic money server 10 is a server computer of a checkout operator. The control unit 11 includes at least one processor. The memory unit 12 includes a volatile memory such as a RAM and a non-volatile memory such as a hard disk. The communication unit 13 includes at least one of a communication interface for wired communication and a communication interface for wireless communication.

The securities server 20 is a server computer of a securities company. The physical structures of the control unit 21, the memory unit 22, and the communication unit 23 may be the same as the control unit 11, the memory unit 12, and the communication unit 13, respectively.

The user terminal 30 is a computer of the user. For example, the user terminal 30 is a personal computer, a smart phone, a tablet terminal, or a wearable terminal. The physical structure of the control unit 31, the memory unit 32, and the communication unit 33 may be the same as the control unit 11, the memory unit 12, and the communication unit 13, respectively. The operation unit 34 is an input device such as a touch panel. The display unit 35 is a liquid crystal display or an organic EL display.

In addition, the programs stored in the memory units 12, 22, and 32 can also be supplied through the network N. Furthermore, the programs stored in the information storage medium can also be supplied through a reading unit for reading computer-readable information storage media (such as a CD drive or a memory card slot) or an input/output unit (such as a USB port) required for inputting and outputting data with an external device.

[2. Overview of the order system] In this embodiment, users can use the settlement service provided by the settlement business and the investment service provided by the securities company. The settlement service is a service related to electronic settlement. Electronic settlement is sometimes also called cashless settlement. In this embodiment, as an example of a settlement method that can be used in the settlement service, electronic money, which is a so-called prepaid payment method, is described, but other settlement methods such as credit cards or bank accounts can also be used in the settlement service.

Investment services are services related to investment. In investment services, products that are the objects of investment, that is, investment products, are provided to users. Investment services can also be provided by other businesses other than securities companies (for example, financial institutions such as banks or other companies). In this embodiment, as an example of an investment product, there is a fixed-term fixed-amount product that states that a fixed deduction will be accumulated periodically. Then, as an example of a fixed-term fixed-amount product, there is a fixed-term fixed-amount product for investment trusts. Therefore, where it is recorded as a fixed-term fixed-amount product for investment trusts, it can be replaced with an investment product or a fixed-term fixed-amount product.

In addition, the investment products provided in the investment service can be of any type, not limited to fixed-amount investment trusts. For example, investment products can also be products other than investment trusts, such as stocks, foreign currencies, government bonds, other securities, gold, or platinum. Investment products may not be fixed-amount products, and may be products that only accept one order. Placing an order may also refer to the purchase or acquisition of investment products. In this embodiment, since there are characteristics in the settlement method of investment products, the mechanism of investment products itself can use a known mechanism.

In this embodiment, although the case where the user uses the billing service and the investment service from the application of the user terminal 30 is taken as an example, the user can also use at least one of the billing service and the investment service from the browser of the user terminal 30, and in particular, can use at least one of the billing service and the investment service without using the user terminal 30. Hereinafter, the application provided by the billing business is referred to as the billing application. The application provided by the securities company is referred to as the securities application.

For example, the user can use various functions related to the electronic currency provided by the checkout service from the checkout application. In this embodiment, an online electronic currency is used as an example of electronic currency, but the electronic currency can be in any form and is not limited to the online electronic currency. For example, the electronic currency can also be in the form of an IC card, an IC chip of the user terminal 30, or a magnetic card.

Online electronic money is electronic money that can be used in Internet services such as e-commerce transaction services or travel reservation services. Online electronic money can also be used in physical stores. For example, users can use codes such as barcodes or QR codes to use online electronic money in physical stores. Hereinafter, online electronic money will be referred to as electronic money.

FIG2 and FIG3 are diagrams showing an example of a screen displayed on the user terminal 30. For example, when the securities application of the user terminal 30 is activated, a login screen G1 required for logging into the investment service is displayed on the display unit 35. When the user inputs the user ID and password of the investment service in the input forms F10 and F11 and selects the button B12, the login process to the investment service is executed.

Once the user logs in to the investment service, the top screen G2 of the investment service is displayed on the display unit 35. The user can select buttons B20~B23 to place an order for investment products. For example, once the user selects button B21 required for placing an order for a regular fixed amount of investment trust, the setting of the regular fixed amount of investment trust can be specified, that is, the regular fixed amount setting. The process of regular fixed amount setting itself can be a well-known process. In this embodiment, the process of specifying investment trust, specifying the settlement method, and specifying the fixed deduction amount and the fixed deduction designated date is cited as an example.

For example, when the user selects button B21, the investment trust designation screen G3 for designating the investment trust for which the investment trust is to be paid periodically is displayed on the display unit 35. The user can search for investment trusts that can be ordered in the investment service from the investment trust designation screen G3. When the user searches for the desired investment trust and selects button B30, the settlement method designation screen G4 for designating the settlement method is displayed on the display unit 35.

The settlement method is the method used when settling a fixed-amount investment trust account. The settlement method may also be called a fixed-amount payment method or a deduction method. In the example of FIG2 , three settlement methods for fixed-amount investment trust accounts are provided: electronic currency (in FIG2 , "YYY electronic cash"), credit card, and securities account. The settlement method is not limited to these, and other settlement methods using points, etc. may also be provided. The user may specify any settlement method by selecting any of buttons B40 to B42. In this embodiment, the case where electronic currency is specified as the settlement method is taken as an example.

For example, when the user selects the button B40 corresponding to the electronic currency and then selects the button B43, the screen G5 for specifying the fixed deduction amount and the fixed deduction designated date, etc., shown in FIG. 3, is displayed on the display unit 35. When the user inputs the fixed deduction amount and the fixed deduction designated date in the input forms F50 and F51 and selects the button B52, the checkout application is activated and the checkout service login screen G6 is displayed on the display unit 35. The securities application is moved to the background for execution.

In this implementation form, users can use the automatic recharge function of electronic currency to avoid the cancellation of the fixed-amount order of the investment trust due to insufficient balance of electronic currency. For example, when the user uses the automatic recharge function for the first time, he/she will go through the prescribed application procedures. In the application procedure, the user will agree to the usage regulations or specify the recharge method. It is assumed here that the user has completed the application procedure for the automatic recharge function.

For example, when the user enters the user ID and password of the checkout service in the input forms F60 and F61 and selects the button B62, the login process to the checkout service is executed. In this embodiment, the case where the user ID of the checkout service and the user ID of the investment service are the same is taken as an example. The user must log in to the checkout service with the same user ID as the user ID used to log in to the investment service.

Once the login to the checkout service is successful, the automatic recharge setting screen G7 for specifying the automatic recharge setting is displayed on the display unit 35. In the example of FIG. 3 , a credit card is specified as the recharge method. The user can also change the recharge method from the automatic recharge setting screen G7. For example, once the user enters the recharge threshold and the recharge balance in the input forms F70 and F71 and selects the button B72, the automatic recharge setting is saved in the checkout service.

The recharge threshold is a balance threshold that serves as a criterion for whether to perform automatic recharge processing. In this embodiment, although it is designed that automatic recharge processing will be performed when the recharge threshold is not reached, it is also possible to perform automatic recharge processing when the recharge threshold is below. The user can specify any recharge threshold. For example, the user specifies a value above the fixed deduction amount of the investment trust as the recharge threshold. The recharge threshold is assumed to specify a value below the balance after recharge.

The balance after top-up is the balance after the automatic top-up process. The balance after top-up can also be said to be the balance always kept in the electronic currency. In this embodiment, it is explained that the balance after top-up is specified, not the automatic top-up amount. That is, the automatic top-up setting of "If the balance is less than 50,000 won, top up 10,000 won" is not specified, but the automatic top-up setting of "If the balance is less than 50,000 won, make the balance 51,000 won" is specified. The user can specify any balance after top-up. For example, if the user specifies an amount above the fixed deduction amount of the investment trust as the top-up balance, the top-up balance is assumed to be an amount above the top-up threshold.

Once the automatic top-up setting is completed, the securities application returns to the foreground. Once the user confirms the order content or inputs the personal identification code from the securities application to confirm the order, the order completion screen G8 indicating that the order has been completed is displayed on the display unit 35. Once the investment trust fixed-amount order is completed, the investment trust specified by the user will be automatically purchased at the fixed deduction amount specified by the user on the fixed deduction designated date specified by the user. The automatic top-up process will be executed as needed.

FIG4 is a diagram showing an example of the process after the order of the fixed-term investment trust is completed. The t-axis of FIG4 is the time axis. In FIG4, the processing executed in the month T (T is a natural number) and the processing executed in the months before and after the month T are shown. When T is 1, it is T-1 month, which is December of the previous year. When T is 12, it is T+1 month, which is January of the following year. The time series process in the fixed-term investment trust can utilize various known processes, and is not limited to the example of FIG4.

In the example of Figure 4, the user places an order for three investment trusts, "Fund A", "Fund B", and "Fund C", using electronic currency. The fixed amount of "Fund A" is "10,000 yen". The designated fixed deduction date of "Fund A" is "the 3rd of every month". The fixed amount of "Fund B" is "15,000 yen". The designated fixed deduction date of "Fund B" is "the 12th of every month". The fixed amount of "Fund C" is "25,000 yen". The designated fixed deduction date of "Fund C" is "the 25th of every month".

For example, on the 13th of T-1 month, the fixed amount setting of the investment trust fixed amount in the middle of T+1 month will be started. On the 12th of T month, the fixed amount setting of the investment trust fixed amount in the middle of T+1 month will be terminated. On the 15th of T month, it is the settlement time for the investment trust fixed amount in the middle of T+1 month. The so-called settlement time is the time when the settlement process should be executed. Although the settlement time of electronic money is illustrated in the example of Figure 4, the settlement time may also vary depending on the settlement method. For example, if a credit card is specified as the settlement method, it is also possible that authorization will be executed on the 13th of T month and deductions will be made from the bank account on the 27th of T+1 month.

At a specified time (e.g., 3 a.m.) on the 15th of month T, the electronic money settlement process is executed based on the fixed-amount deposit setting that expired on the 12th of month T. In the example of FIG. 4, the total amount of the fixed-amount deposits of the three investment trusts designated by the user, that is, "50,000 yen", is deducted from the balance of the electronic money. If the user's automatic top-up setting is such as "If the balance is less than 50,000 yen, the balance will be increased to 51,000 yen" as shown in FIG. 3, the balance of the electronic money will always be more than the amount required for the settlement process ("50,000 yen" in the example of FIG. 4). Therefore, the settlement process on the 15th of month T will not fail in principle. At the end of month T, the settlement company will make a deposit corresponding to the settlement process of the electronic currency executed in month T to the securities company.

Once T+1 month comes, the order processing of the investment trust specified by the user will be automatically executed on the designated fixed deduction date specified by the user. In the example of Figure 4, once T+1 month comes on the 3rd, "Fund A" will be ordered for "10,000 yen". Once T+1 month comes on the 12th, "Fund B" will be ordered for "15,000 yen". Once T+1 month comes on the 25th, "Fund C" will be ordered for "25,000 yen". In the order system S of this embodiment, by repeating the process shown in Figure 4, the regular fixed amount order of the investment trust using electronic currency is repeated. The following is an explanation of the details of the order system S.

[3. Functions implemented in the ordering system] Figure 5 is a functional block diagram showing an example of functions implemented in the ordering system S.

[3-1. Functions implemented in the electronic currency server] The data storage unit 100 is implemented mainly by the storage unit 12. The other functions are implemented mainly by the control unit 11.

[Data storage unit] The data storage unit 100 stores the data required to provide the user with a checkout service. For example, the data storage unit 100 stores the electronic currency database DB1.

FIG6 is a diagram showing an example of an electronic currency database DB1. As shown in FIG6, the electronic currency database DB1 is a database storing information about users in the checkout service. For example, the electronic currency database DB1 stores: user ID, password, electronic currency balance, recharge method information, automatic recharge settings, and checkout settings. The information stored in the electronic currency database DB1 can be any information about the user, and is not limited to the example in FIG6. For example, the electronic currency database DB1 can also store the use history or recharge history of the electronic currency.

User ID is an example of user information about the user. Therefore, where the user ID is mentioned, it can be replaced by user information. User information can be any information that can identify the user, and can also be, for example, information called a user account, an email address, or a phone number. User information can also be the name of the user. For example, user information is text, numbers, other symbols, or a combination of these. User ID and password are used to log in to the checkout service. The balance of electronic currency is the current balance. The balance represents an arbitrary value greater than 0. The balance can also be set with an upper limit.

The value-adding method information is information about the value-adding method of electronic currency. The so-called value-adding method is the means of payment used in the value-adding of electronic currency. The value-adding method can be any means of payment, and can also be, for example: a credit card, a bank account, the sales amount of online flea market services, crypto assets, or points. For example, when a credit card is equivalent to a value-adding method, the value-adding method information represents: card number, expiration date, and nominal person. For example, when a bank account is equivalent to a value-adding method, the value-adding method information represents: bank name, branch name, account number, and nominal person. The same is true for other value-adding methods. The value-adding method information only needs to represent information that can identify the value-adding method. The value-added method information can be changed by the user's operation.

The automatic recharge setting is a setting for automatic recharge. Although the automatic recharge setting is described in this embodiment as indicating the recharge threshold and the recharge balance, the automatic recharge setting may also indicate only one of the recharge threshold or the recharge balance. In addition, for example, in a case where the user can specify the automatic recharge timing for executing the automatic recharge process, the automatic recharge setting may also indicate the automatic recharge timing. The automatic recharge setting may be changed by the user's operation. Even in a case where the method of adding value in the normal recharge process manually performed by the user is different from the method of adding value in the automatic recharge process, the method of adding value in the automatic recharge process may also be indicated by the automatic recharge setting. In this embodiment, although the automatic top-up process is described as being performed using the top-up method indicated by the top-up method information, the automatic top-up process may also select only the top-up method that utilizes a specific credit card.

The settlement setting is the setting for settlement processing of periodic fixed amount of investment trust. The settlement setting stored in the electronic currency database DB1 only needs to contain at least the information required for settlement processing of electronic currency among the periodic fixed amount settings stored in the investment database DB2. In the example of FIG6 , as the settlement setting, it is assumed that the investment trust ID and the fixed deduction amount have been stored in the electronic currency database DB1. If the user can specify the settlement time, the settlement setting can also indicate the settlement time. If a settlement method other than electronic currency has been specified, the settlement setting can also indicate the settlement method.

In addition, the data stored in the data storage unit 100 is not limited to the electronic currency database DB1. The data storage unit 100 only needs to store the data necessary for the checkout service. For example, the data storage unit 100 can also store the data necessary for the automatic value-added setting screen G7 to be displayed by the user terminal 30.

[Consistency determination unit] In this embodiment, the fixed-term investment trust is provided through the investment service. The electronic currency is provided through the checkout service which is different from the investment service. The user ID in the investment service and the user ID in the checkout service are the same, so the consistency determination unit 101 determines whether the user ID in the investment service and the user ID in the checkout service are consistent. That is, the consistency determination unit 101 determines whether the user who is logging in to the investment service and the user who is about to log in to the checkout service are the same person. The consistency of the user ID means that this is the same person.

In the example of FIG. 2 and FIG. 3 , the consistency determination unit 101 determines whether the user ID input in the login screen G1 and the user ID input in the login screen G6 are consistent. For example, the electronic money server 10 obtains the user ID input in the login screen G1 from the securities server 20 or the user terminal 30 before the login screen G6 is displayed. The electronic money server 10 determines whether the obtained user ID and the user ID input in the login screen G6 are consistent.

In addition, when other information other than the user ID is used as user information, the consistency determination unit 101 can also determine whether the other information is consistent. For example, when the user's name is used as user information, the consistency determination unit 101 can also determine whether the user's name in the investment service (e.g., the nominal person of the securities account) and the user's name in the checkout service (e.g., the nominal person of the electronic currency) are consistent. Similarly, when other information is used as user information, the consistency determination unit 101 only needs to determine whether the user information is consistent.

[Automatic recharge setting permission section] The automatic recharge setting permission section 102 permits the automatic recharge setting made by the user based on the determination result of the consistency determination section 101. The automatic recharge setting permission section 102 does not permit the automatic recharge setting if the user ID is not determined to be consistent by the consistency determination section 101, and permits the automatic recharge setting if the user ID is determined to be consistent by the consistency determination section 101. Even if the automatic recharge setting is not permitted, the order itself for the fixed amount of the investment trust can still be permitted.

In the example of FIG. 2 and FIG. 3 , the automatic value-added setting permission unit 102 does not allow automatic value-added setting by not displaying the automatic value-added setting screen G7 when the user ID is not determined to be consistent by the consistency determination unit 101. The automatic value-added setting permission unit 102 allows automatic value-added setting by allowing the display of the automatic value-added setting screen G7 when the user ID is determined to be consistent by the consistency determination unit 101. That is, the automatic value-added setting permission unit 102 controls whether to allow automatic value-added setting by controlling whether to display the automatic value-added setting screen G7.

In addition, the automatic value-added setting permission unit 102 may also permit the automatic value-added setting by other methods. For example, the automatic value-added setting permission unit 102 may also allow the display of the automatic value-added setting screen G7 to be permitted, but control whether to restrict the input to the automatic value-added setting screen G7 to control whether to permit the automatic value-added setting. For example, the automatic value-added setting permission unit 102 may also allow the input to the automatic value-added setting screen G7 to be permitted, but control whether to reflect it to the electronic currency database DB1 to control whether to permit the automatic value-added setting.

[Total Amount Calculation Unit] The total amount calculation unit 103 calculates the total amount of the fixed deductions in each of the multiple fixed amount settings when the user has specified multiple fixed amount settings for the investment trust. The total amount is the amount required for the settlement process. In this embodiment, the total amount calculation unit 103 directly calculates the total value of the fixed deductions in each of the multiple fixed amount settings, but in the case where a predetermined handling fee is added, the total value of the fixed deductions plus the handling fee may be calculated as the total amount.

In this embodiment, the user can also specify other payment methods other than electronic currency, so the total amount calculation unit 103 calculates the total amount of the fixed deduction amount in each of the multiple periodic fixed amount settings for the electronic currency specified as the payment method. The fixed deduction amount in the periodic fixed amount setting that specifies other payment methods other than electronic currency is excluded from the calculation of the total amount. The fixed deduction amount in the periodic fixed amount setting that will undergo payment processing at a certain payment opportunity becomes the object of calculation of the total amount.

In the example of FIG. 4 , the total of three periodic fixed amount settings of "Fund A", "Fund B", and "Fund C" are specified. The settlement method represented by these three periodic fixed amount settings is electronic currency. At the settlement time on the 15th of month T, the fixed deduction amount of "Fund A", the fixed deduction amount of "Fund B", and the fixed deduction amount of "Fund C" will become the object of settlement processing. The total amount calculation unit 103 adds up the fixed deduction amount of "10,000 yen" of "Fund A", the fixed deduction amount of "15,000 yen" of "Fund B", and the fixed deduction amount of "25,000 yen" of "Fund C", and calculates the total amount of "50,000 yen".

[Possibility determination unit] The possibility determination unit 104 determines the possibility of order processing being completed based on the current automatic recharge setting. The so-called possibility of order processing being completed refers to whether the order processing will be completed. In other words, it is equivalent to determining the possibility of order processing being completed to estimate whether there is a sufficient balance to complete the order processing at the time of checkout. The possibility determination unit 104 determines the possibility of order processing being completed based on the recharge balance indicated by the automatic recharge setting and the fixed deduction amount indicated by the periodic fixed amount setting. If the checkout processing is not completed, the order processing is not completed, so the possibility of order processing being completed is equivalent to the possibility of checkout processing being completed.

In the example of FIG. 4 , at the checkout time on the 15th of month T, the total amount of the fixed deduction amount of "Fund A", the fixed deduction amount of "Fund B", and the fixed deduction amount of "Fund C" is "50,000 yen". The possibility determination unit 104 determines whether the added value balance indicated by the current automatic top-up setting is the total amount of the fixed deduction amount, that is, "50,000 yen" or more. The possibility determination unit 104 determines that there is a possibility that the order processing is not completed if the added value balance is less than the total amount of the fixed deduction amount, and determines that there is a possibility that the order processing is completed if the added value balance is greater than the total amount of the fixed deduction amount.

[Automatic value-added setting screen display unit] The automatic value-added setting screen display unit 105 displays the automatic value-added setting screen G7 for accepting the designation of the automatic value-added setting on the user terminal 30. The automatic value-added setting screen display unit 105 displays the automatic value-added setting screen G7 on the user terminal 30 by sending the display data of the automatic value-added setting screen G7 to the user terminal 30. The display data can be in any form. For example, each image data embedded in the screen frame defined in the checkout application can also be equivalent to the display data. In the case of using a browser, HTML data can also be equivalent to the display data. For example, the automatic top-up setting screen display unit 105 includes an amount information display unit 106 and a possibility display unit 107.

The amount information display unit 106 is used to display the amount information about the fixed deduction amount on the automatic recharge setting screen G7 for accepting the designation of the automatic recharge setting. In the present embodiment, the amount information display unit 106 is used to display the total amount as the amount information on the automatic recharge setting screen G7. In the example of FIG. 3 , the amount information display unit 106 is used to display the amount information such as "Your fixed deduction amount is ¥50,000" on the automatic recharge setting screen G7. The amount information display unit 106 is used to display the amount information on the automatic recharge setting screen G7 by arranging the amount information at a predetermined position on the automatic recharge setting screen G7.

The amount information may be any information related to the fixed amount, not limited to the total amount. For example, if the user places an order for only one investment trust under the fixed amount of investment trust, the amount information may be the fixed amount of the investment trust. If a predetermined handling fee is added to the fixed amount, the amount information may be the amount after the handling fee is added. Even if the user places an order for multiple investment trusts under the fixed amount of investment trust, the fixed amount of each investment trust may be used instead of the total amount, which is equivalent to the amount information. In the example of FIG. 4 , the fixed deduction amount details may be displayed on the automatic top-up setting screen G7 in the form of “Fund A’s fixed deduction amount is ￥10,000, Fund B’s fixed deduction amount is ￥15,000, and Fund C’s fixed deduction amount is ￥25,000”. The amount information may not be the text of the automatic top-up setting screen G7 of FIG. 3 , but may be in any form. For example, the amount information may be a small icon or other image such as a bar.

FIG7 is a diagram showing an example of the processing of the possibility display unit 107. The possibility display unit 107 displays the determination result of the possibility determination unit 104 on the automatic value-added setting screen G7 for accepting the designation of the automatic value-added setting. The possibility display unit 107 displays the determination result of the possibility determination unit 104 on the automatic value-added setting screen G7 by arranging information indicating the determination result of the possibility determination unit 104 at a predetermined position on the automatic value-added setting screen G7. In FIG7, messages M73 and M74 are shown as an example of the information, but the information may be in any other form, such as a small icon or other image.

In the example of FIG. 7 , when the possibility determination unit 104 determines that the order processing is likely to be completed, the possibility display unit 107 displays a message M73 indicating that the order processing is likely to be completed in a manner such as “an amount greater than the fixed deduction amount has been specified” on the automatic top-up setting screen G7. When the possibility determination unit 104 determines that the order processing is likely to be incomplete, the possibility display unit 107 displays a message M74 indicating that the order processing is likely to be incomplete in a manner such as “there is a possibility that the balance is insufficient because it is less than the fixed deduction amount” on the automatic top-up setting screen G7.

[Automatic recharge timing determination unit] The automatic recharge timing determination unit 108 determines whether the automatic recharge timing that comes periodically has come. The so-called periodic arrival means that it comes every predetermined time. That is, the fact that the interval of the automatic recharge timing is fixed is equivalent to the periodic arrival. The automatic recharge timing is the timing when the automatic recharge process should be executed. In this embodiment, although the automatic recharge timing between all users is common as an example, the automatic recharge timing can also be determined according to each user. The automatic recharge timing can also be specified by the user at any time.

For example, suppose that the automatic recharge time is set to 3:00 a.m. every day. The automatic recharge time determination unit 108 uses a real-time clock or GPS signal to obtain the current date and time, and determines whether the automatic recharge time, that is, 3:00 a.m., has arrived. The automatic recharge time determination unit 108 determines that the automatic recharge time has arrived when 3:00 a.m. has arrived. The automatic recharge time may arrive multiple times in a day, or may arrive once over multiple days.

[Automatic recharge processing execution unit] The automatic recharge processing execution unit 109 performs automatic recharge processing on electronic currency based on the automatic recharge setting corresponding to the fixed deduction amount. The automatic recharge setting corresponding to the fixed deduction amount is an automatic recharge setting that is set to be sufficient for the fixed deduction amount. In this embodiment, although it is described that the user manually specifies the automatic recharge setting, the automatic recharge setting can also be automatically specified according to the fixed deduction amount. Automatic recharge processing is a process for automatically executing the recharge of electronic currency. Recharge of electronic currency refers to increasing the balance of electronic currency.

The automatic top-up process itself can utilize various known processes. The automatic top-up process execution unit 109 executes the automatic top-up process based on the top-up method specified by the user. For example, when the user specifies a credit card as the top-up method, the automatic top-up process execution unit 109 executes the credit card authorization, and when the authorization is successful, the top-up process is performed in a manner that increases the balance of the electronic currency. For example, when the user specifies a bank account as the top-up method, the automatic top-up process execution unit 109 executes the top-up process in a manner that decreases the balance of the bank account and increases the balance of the electronic currency. When the user specifies other value-added methods, the automatic value-added processing execution unit 109 only needs to execute the automatic value-added processing corresponding to the other value-added methods.

In the present embodiment, since the automatic top-up setting is specified in the automatic top-up setting screen G7, the automatic top-up processing execution unit 109 executes the automatic top-up processing based on the automatic top-up setting specified in the automatic top-up setting screen G7. In the example of FIG. 3, although the user specifies both the top-up threshold and the top-up balance in the automatic top-up setting screen G7, if the user specifies only one of the top-up threshold and the top-up balance, the other can also be automatically specified.

In this embodiment, the automatic recharge setting indicates the balance after the automatic recharge process is executed. However, if the automatic recharge setting indicates that the recharge balance corresponding to the fixed deduction amount is to be changed, the automatic recharge process execution unit 109 executes the automatic recharge process in such a manner that the recharge balance indicated by the automatic recharge setting will be changed. The automatic recharge process execution unit 109 determines the automatic recharge amount based on the current balance of the electronic currency and the recharge balance indicated by the automatic recharge setting. The automatic recharge process execution unit 109 executes the automatic recharge process based on the automatic recharge amount that has been determined.

In this embodiment, since the automatic recharge time comes periodically, the automatic recharge processing execution unit 109 executes the automatic recharge processing when it is determined that the automatic recharge time has come. The automatic recharge processing execution unit 109 does not execute the automatic recharge processing when it is not determined that the automatic recharge time has come. For example, even if the balance of the electronic currency is less than the recharge threshold or below the recharge threshold, the automatic recharge processing execution unit 109 does not execute the automatic recharge processing before it is determined that the automatic recharge time has come.

In addition, it is also possible not to set a regular automatic top-up time. In this case, the automatic top-up processing execution unit 109 can also immediately execute the automatic top-up processing when the balance of the electronic currency becomes less than the top-up threshold or is below the top-up threshold. For example, the automatic top-up processing execution unit 109 can also execute the automatic top-up processing just before the checkout time is approaching. For example, in the automatic top-up setting, it is also possible to indicate the top-up amount instead of the top-up balance, and the automatic top-up processing execution unit 109 executes the automatic top-up processing in a manner of adding only the set top-up amount.

[Checkout timing determination unit] Checkout timing determination unit 110 determines whether the checkout timing for the fixed amount of investment trust ordered by the user has arrived. Checkout timing is the timing when the checkout process should be executed. In this embodiment, although the checkout timing between all users is given as an example, the checkout timing can also be determined for each user. The checkout timing can also be specified by the user at any time. The checkout timing can also be automatically determined based on the fixed deduction designated date specified by the user.

In the example of FIG. 4 , the checkout time is 3 a.m. on the 15th of each month. Therefore, the checkout time comes regularly, just like the automatic recharge time. The fact that the checkout time interval is fixed is equivalent to a periodic arrival. The checkout time determination unit 110 uses a real-time clock or GPS signal to obtain the current date and time, and determines whether the checkout time, which is 3 a.m. on the 15th of each month, has arrived. The checkout time determination unit 110 determines that the checkout time has arrived when it is 3 a.m. on the 15th of each month. The checkout time may come multiple times in January, or only once every several months.

[Checkout execution unit] Checkout execution unit 111 executes checkout processing for periodic fixed amount of investment trust based on the electronic currency held by the user and the fixed deduction amount specified by the user when it is determined that the checkout time has come. The fixed deduction amount specified by the user is indicated by the checkout setting stored in the electronic currency database DB1, so the checkout execution unit 111 executes checkout processing based on the fixed deduction amount indicated by the checkout setting. The checkout execution unit 111 does not execute checkout processing when it is not determined that the checkout time has come. The checkout processing execution unit 111 will continue to wait for the checkout processing until it is determined that the checkout time has arrived.

The settlement process is the process of settling the fixed deduction amount in the periodic fixed settlement of the investment trust. In this embodiment, the electronic currency is specified as the settlement method, so the settlement process is to subtract the amount corresponding to the fixed deduction amount from the balance of the electronic currency. For example, when the user specifies a plurality of periodic fixed settlement settings, the settlement process execution unit 111 executes the settlement process based on the total amount of the fixed deduction amount in each of the plurality of periodic fixed settlement settings. In the present embodiment, the checkout processing execution unit 111 performs the checkout processing in such a manner that the balance of the electronic currency is reduced by the total amount of the fixed deductions. However, the checkout processing execution unit 111 may also perform the checkout processing in such a manner that the total amount of the fixed deductions and the total amount of the predetermined handling fee are reduced from the balance of the electronic currency.

In this embodiment, since there are manual recharge functions and automatic recharge functions, the checkout processing execution unit 111 can execute the checkout processing based on the electronic currency after recharge. For example, if the automatic recharge process is executed before the checkout process, the checkout processing execution unit 111 executes the checkout processing based on the electronic currency that is recharged by the automatic recharge process. If the automatic recharge process is not executed before the checkout process, the checkout processing execution unit 111 executes the checkout processing based on the electronic currency that is manually recharged by the user. The checkout processing execution unit 111 may also execute the checkout processing based on the electronic currency that is mixed with the manual added value and the automatic added value in the balance. The checkout processing execution unit 111 may also execute the checkout processing based only on the manual added value.

In addition, the electronic currency may also include: a first balance from which withdrawal is restricted, and a second balance from which withdrawal is permitted. For example, the first balance is added using the consumption limit of a credit card. In order to prevent the cashing out of the consumption limit, the withdrawal of the first balance is restricted. For example, the second balance is added using a method of adding value that is permitted to be cashed out. For example, the second balance is added using a bank account, sales amount at an online flea market, crypto assets, or a cash advance limit of a credit card. In this case, the checkout processing execution unit 111 may also execute checkout processing based on both the first balance and the second balance.

In this embodiment, the fixed-term credit balance can also be settled using the user's credit card. The settlement execution unit 111 can also execute settlement within another upper limit that is different from the upper limit of the fixed-term credit balance set for the credit card. For example, suppose that the fixed-term credit balance using a credit card can reach up to 50,000 yen per month, and the fixed-term credit balance using electronic money can reach up to 50,000 yen per month. In this case, the user can use the credit card and electronic money to reach a total fixed-term credit balance of up to 100,000 yen per month. If the user can use other settlement methods such as bank accounts, more fixed-term credit balances can be made.

[Order Processing Execution Unit] The order processing execution unit 112 executes the order processing for the investment trust fixed amount. The order processing is the processing of placing an order for the investment trust specified by the user. The order processing itself can use various known processes. The order processing execution unit 112 executes the order processing when the specified order placement time has arrived. If it is a fixed amount of investment trust, the order placement time is the specified day of the fixed deduction. If it is an investment product other than a fixed amount of investment trust, the settlement time and the order placement time can be the same or roughly the same. The so-called roughly the same time means that the time deviation is within the specified range.

In this embodiment, the order processing execution unit 112 executes the order processing when the checkout processing has been executed. The order processing execution unit 112 does not execute the order processing when the checkout processing has not been executed. The order processing execution unit 112 executes the order processing by sending information that can be used to identify the order for which the checkout processing has been completed to the securities server 20. The information can also be the user ID or the identification information of the investment trust specified by the user. In addition, the order processing can also be executed before the checkout processing.

[3-2. Functions implemented in the securities server] The data storage unit 200 is implemented mainly by the storage unit 22. The order processing execution unit 201 is implemented mainly by the control unit 21.

[Data storage unit] The data storage unit 200 stores the data required to provide investment services to users. For example, the data storage unit 200 stores the investment database DB2.

FIG8 is a diagram of an example of an investment database DB2. As shown in FIG8, the investment database DB2 is a database that stores information about users in the investment service. For example, the investment database DB2 stores: user ID, password, and fixed-amount settings. In the example of FIG8, information about the fixed-amount of investment trusts is shown in the investment service, but the information stored in the investment database DB2 can be any information about the investment service, and is not limited to the example of FIG8. For example, information about investment products other than the fixed-amount of investment trusts can also be stored in the investment database DB2.

In this embodiment, the user ID of the checkout service is the same as the user ID of the investment service. Similarly, the password of the checkout service is the same as the password of the investment service. The user ID and password stored in the investment database DB2 are used to log in to the investment service.

The fixed amount setting is the setting for the fixed amount of the investment trust. For example, the fixed amount setting represents: investment trust ID, settlement method, fixed amount, and designated date of fixed deduction. The investment trust ID is an example of investment trust identification information that can be used to identify the investment trust. The investment trust identification information can be any information, not limited to the investment trust ID. For example, the investment trust identification information can also be the name of the investment trust. When a user applies for a new fixed amount of investment trust, a new fixed amount setting will be generated and stored in the investment database DB2. When the user changes the fixed amount settings, the fixed amount settings stored in the investment database DB2 will be changed.

In addition, the data stored in the data storage unit 200 is not limited to the investment database DB2. The data storage unit 200 only needs to store data necessary for investment services. For example, the data storage unit 200 can also store the display data of each screen of FIG. 2 and FIG. 3.

[Order Processing Execution Unit] The order processing execution unit 201 executes the order processing for the investment trust periodic fixed amount when the settlement processing has been executed. The order processing is the processing for placing an order for the investment trust specified by the user. The order processing itself can use various known processing. The order processing execution unit 201 does not execute the order processing when the settlement processing has not been executed. Once the order processing is executed, the investment trust indicated by the periodic fixed amount setting specified by the user is purchased in accordance with the fixed deduction amount indicated by the periodic fixed amount setting.

[3-3. Functions implemented in the user terminal] The data storage unit 300 is implemented mainly by the storage unit 32. The display control unit 301 and the operation receiving unit 302 are implemented mainly by the control unit 31.

[Data storage unit] The data storage unit 300 stores data required for the user to use the payment service and investment service. For example, the data storage unit 300 stores the payment application and the securities application.

[Display control unit] The display control unit 301 causes any screen to be displayed on the display unit 35. For example, the display control unit 301 causes the screens illustrated in FIG. 2 and FIG. 3 to be displayed on the display unit 35 based on at least one of the checkout application and the securities application. Each screen can also be displayed on a browser.

[Operation Acceptance Unit] The operation acceptance unit 302 accepts any operation performed by the user. For example, the operation acceptance unit 302 accepts the operation on the screens described in FIG. 2 and FIG. 3.

[4. Processing executed in the order placement system] Figure 9 is a diagram showing an example of processing executed in the order placement system S. The processing is executed by the control units 11, 21, and 31 operating according to the programs stored in the memory units 12, 22, and 32, respectively. Figure 9 illustrates processing mainly related to fixed-amount investment trusts among the processing executed in the order placement system S.

As shown in FIG9 , the user terminal 30 activates the securities application program and displays the login screen G1 on the display unit 35, and performs the login process (S1) required for logging into the investment service with the securities server 20. In S1, the user ID and password input in the investment service may be requested, or information indicating that the user has logged into the investment service in the past may be stored in the user terminal 30, and based on the information, the user ID and password input in the investment service may not be requested.

Once the login to the investment service is successful, the user terminal 30 causes the top screen G2 to be displayed on the display unit 35 (S2). Between the securities server 20 and the user terminal 30, a process for accepting the designation of the periodic fixed amount setting is executed (S3). In S3, the designation of the investment trust in the investment trust designation screen G3, the designation of the settlement method in the settlement method designation screen G4, and the designation of the fixed deduction amount, etc. in the fixed deduction amount, etc. designation screen G5 are performed.

Between the electronic currency server 10 and the user terminal 30, a process (S4) for accepting the designation of the automatic value-added setting is executed. In S4, the login to the checkout service in the login screen G6 and the designation of the automatic value-added setting in the automatic value-added setting screen G7 are executed. The electronic currency server 10 updates the automatic value-added setting stored in the electronic currency database DB1 to represent the content designated in the automatic value-added setting screen G7. In the following, the electronic currency server 10 executes the automatic value-added process every time the automatic value-added opportunity comes. In this embodiment, since the automatic value-added process is executed every day, it is omitted in Figure 9.

Between the securities server 20 and the user terminal 30, a process (S5) for confirming the order of the investment trust periodic fixed amount is executed. In S5, the securities server 20 updates the periodic fixed amount setting stored in the investment database DB2 to indicate the periodic fixed amount setting specified in S3, and displays the order completion screen G8 on the user terminal 30. The securities server 20 sends the periodic fixed amount setting whose order has been confirmed to the electronic currency server 10. Once the electronic currency server 10 receives the periodic fixed amount setting, it will update the electronic currency database DB1 so that when the settlement time has arrived, the settlement process corresponding to the periodic fixed amount setting will be executed.

When the start date of the fixed amount setting (the 13th of T-1 month in the example of FIG. 4 ) arrives, the securities server 20 executes the processing (S6) required to change the fixed amount setting with the user terminal 30. The processing of S6 is executed from the 13th of T-1 month to the 12th of T month. If the user does not change the fixed amount setting, the processing of S6 is not executed. If the user changes the fixed amount setting, the securities server 20 sends the changed fixed amount setting to the electronic money server 10. Once the electronic money server 10 receives the changed fixed amount setting, it updates the electronic money database DB1 so that the changed fixed amount setting is reflected. When the user changes the fixed amount setting, he can also change the automatic recharge setting to the automatic recharge setting corresponding to the changed fixed amount setting.

The securities server 20 terminates the periodic fixed amount setting once the deadline for the periodic fixed amount setting (the 12th of month T in the example of FIG. 4) arrives (S7). In S7, the securities server 20 restricts the images required for the periodic fixed amount setting from being displayed in the screen displayed in the user terminal 30. The electronic money server 10 determines whether the settlement time (the 15th of month T in the example of FIG. 4) has arrived (S8). If it is not determined that the settlement time has arrived (S8; N), the processing of S8 is executed again. When it is determined that the checkout time has arrived (S8; Y), the electronic money server 10 executes the checkout process based on the electronic money database DB1 (S9).

The electronic money server 10, once the deposit opportunity to the securities company (the end of month T in the example of FIG. 4 ) arrives, executes the deposit processing (S10) corresponding to the settlement processing of S9. In S10, the electronic money server 10 executes the deposit processing in such a way that the total amount of the settlement processing of S9 is deposited into the securities company. The electronic money server 10 sends information that can be used to identify the periodic fixed amount order that has been successfully settled to the securities server 20. The securities server 20, once the fixed deduction designated day specified by the user (the 3rd, 12th, and 25th of month T+1 in the example of FIG. 4 ) arrives, executes the order processing (S11), and this processing ends.

The order placing system S of this embodiment, when it is determined that the time for settlement has come, performs settlement processing based on electronic currency and the fixed deduction amount specified by the user. The order placing system S performs order placing processing regarding periodic fixed amount of investment trust. Thereby, the user can use electronic currency to place an order for periodic fixed amount of investment trust. For example, by making electronic currency available, it is not necessary to deposit funds into the securities account before placing an order for periodic fixed amount of investment trust, thereby reducing the trouble of the user. For example, there are often multiple value-added methods for electronic currency, and the user's assets can be concentrated in electronic currency first, and then the assets caused by the periodic fixed amount of investment trust can be used. For example, even if the user's assets are scattered among the sales amount of online flea market services or crypto assets, if they can be used to add value to electronic currency, the scattered assets can be concentrated into electronic currency first, and then the order for fixed-term investment trusts can be placed. Therefore, even if it is not possible to place a fixed-term investment trust order with other assets such as sales amount of online flea market services or crypto assets, it is still possible to place a fixed-term investment trust order through the mediation of electronic currency. For example, although the purpose of using electronic currency is limited compared to cash, since electronic currency can be used to place a fixed-term investment trust order, the purpose of using electronic currency will increase and the convenience of users will be improved.

Furthermore, the ordering system S performs automatic recharge processing based on the automatic recharge setting corresponding to the fixed deduction amount. The ordering system S can perform checkout processing based on the electronic currency after recharge. In this way, even if the balance of electronic currency tends to decrease more easily compared to the balance of a bank account or the consumption limit of a credit card, a certain balance can still be ensured by automatic recharge processing, thereby avoiding order cancellation due to insufficient balance. For example, the user does not have to pay attention to the balance of the electronic currency when the checkout time is approaching, thereby improving the convenience of the user.

Furthermore, the order placing system S performs the automatic recharge processing based on the automatic recharge setting specified in the automatic recharge setting screen G7 where the amount information is displayed. Thus, it is easy to understand on the automatic recharge setting screen G7 what kind of automatic recharge setting should be performed in order to prevent insufficient balance from occurring, thereby improving the convenience of the user. For example, the cancellation of an order due to insufficient balance can be more reliably avoided.

Furthermore, in the case where the automatic top-up setting indicates that the balance after top-up corresponding to the fixed deduction amount is to be set, the order placing system S performs the automatic top-up processing in such a manner that the balance after top-up indicated by the automatic top-up setting becomes the balance after top-up. This can more reliably avoid order cancellation due to insufficient balance. For example, in the case of the automatic top-up setting of "If the balance is less than 50,000 yen, then top-up 30,000 yen", if the balance is less than 20,000 yen, the balance after top-up will become less than 50,000 yen, so there is a possibility that the order cancellation due to insufficient balance will occur. For example, if the automatic top-up setting is set to "If the balance is less than 50,000 yen, add 50,000 yen", if the balance is slightly less than 50,000 yen, the balance after the top-up will be close to 100,000 yen, which will become an unnecessary balance. As in the example described in the embodiment, if the automatic top-up setting is set to "If the balance is less than 50,000 yen, make the balance 51,000 yen", the balance after the top-up can be made to be more than the fixed deduction amount of the investment trust periodic fixed amount, while preventing the balance from becoming an unnecessary balance, thereby improving user convenience.

Furthermore, when the user specifies a plurality of fixed-amount settings, the order placing system S displays the total amount of the fixed deductions in each of the plurality of fixed-amount settings as amount information on the automatic recharge setting screen G7. Thus, even when the user places an order for a plurality of fixed-amount investment trusts, it is easy to understand on the automatic recharge setting screen G7 which automatic recharge setting should be made in order to prevent insufficient balance, thereby improving the convenience of the user. For example, the cancellation of an order due to insufficient balance can be more reliably avoided.

Furthermore, the order placing system S determines the possibility of order processing being completed based on the current automatic recharge setting and displays the determination result on the automatic recharge setting screen G7. In this way, it is easy to understand on the automatic recharge setting screen G7 what kind of automatic recharge setting should be performed in order to prevent insufficient balance from occurring, thereby improving the convenience of the user. For example, the cancellation of an order due to insufficient balance can be more reliably avoided.

Furthermore, the ordering system S performs the automatic value-added process when it is determined that the automatic value-added time that will come periodically has come. In this way, the automatic value-added process can be easily managed on the checkout service side. For example, by setting the automatic value-added time in the late night time period when the processing load of the electronic currency server 10 is relatively light, it is possible to prevent the automatic value-added process from being performed in the time period when the processing load of the electronic currency server 10 is relatively high. As a result, the automatic value-added process can be completed reliably.

Furthermore, the order placing system S determines whether the user ID in the investment service and the user ID in the checkout service are consistent. Based on the determination result, the order placing system S permits the user to set up automatic top-up. In this way, it is confirmed that the user who places an order for a fixed amount of investment trust and the user who sets up automatic top-up are the same person before the automatic top-up setting is permitted, thereby preventing improper behavior caused by a third party.

Furthermore, the order placing system S performs the checkout process based on the electronic currency being both the first balance that is restricted from withdrawal and the second balance that is available for withdrawal. Thus, the user can place an order for a fixed-amount investment trust using both the first balance and the second balance, thereby making effective investments. For example, when adding value to the electronic currency using the credit card's spending limit, it is preferable to restrict the first balance from adding value and withdrawing value in order to prevent the spending limit from being cashed out. In this regard, since the fixed-amount order placed by the investment trust using electronic money can be completed without depositing funds into the securities account, even if the withdrawal is limited to the first balance, the cashing out of the consumption amount can be reliably prevented.

Furthermore, the order placing system S performs the checkout process within the range of another upper limit amount different from the upper limit amount of the fixed deposit amount of the credit card. Thus, the user can make effective investments by using both the credit card and the electronic money. For example, even if the upper limit amount of the fixed deposit amount of the credit card is 50,000 yen per month, and the upper limit amount of the fixed deposit amount of the electronic money is 50,000 yen per month, the user can make an order for a fixed deposit amount of 100,000 yen per month by using both the credit card and the electronic money, and thus can make effective investments.

[5. Variations] In addition, the present disclosure is not limited to the above-described implementation forms. Appropriate changes can be made within the scope of the purpose of the present disclosure.

FIG10 is a diagram showing an example of a functional block in a modified example. The automatic value-added setting update unit 113, the inquiry unit 202, the periodic fixed-amount setting designation screen display unit 203, the automatic value-added setting update screen display unit 204, and the necessity determination unit 205 are implemented. The automatic value-added setting update unit 113 is mainly implemented by the control unit 11. The inquiry unit 202, the periodic fixed-amount setting designation screen display unit 203, the automatic value-added setting update screen display unit 204, and the necessity determination unit 205 are mainly implemented by the control unit 21.

[5-1. Variation 1] For example, assume that the automatic top-up time is 3:00 a.m. every day, and the checkout time on the 15th of each month is 11:00 a.m. In this case, if the user uses electronic money for shopping, etc. between the automatic top-up time and the checkout time, there is a possibility that the balance will be insufficient at the checkout time. Therefore, the automatic top-up processing execution unit 109 can also execute the automatic top-up processing just before the checkout time. In the above example, the automatic top-up processing execution unit 109 executes the automatic top-up processing at 3:00 a.m. every day, and executes the automatic top-up processing just before 11:00 a.m. on the 15th of each month.

The so-called time just before the checkout time is the time before the set time for checkout. The set time can be of any length, for example, it can be from a few seconds to an hour. The shorter the set time, the lower the probability of insufficient balance. The set time can be as long as the automatic recharge processing of all users can be completed. In variant 1, there will be: the first automatic recharge time that comes regularly (in the above example, it is 3 am every day), and the second automatic recharge time just before the checkout time (in the above example, it is before the set time of 11 am on the 15th of each month).

The automatic value-added timing determination unit 108 determines whether the first automatic value-added timing has arrived, similarly to the embodiment. The automatic value-added timing determination unit 108 of the variant 1 determines whether the second automatic value-added timing has arrived based on the current date and time. The automatic value-added processing execution unit 109 executes the automatic value-added processing when the automatic value-added timing determination unit 108 determines that the second automatic value-added timing has arrived. The checkout processing execution unit 111 executes the checkout processing immediately after the automatic value-added processing is executed. The automatic value-added processing and the checkout processing itself are the same as those of the embodiment.

In addition, the first automatic recharge opportunity may not exist, and only the second automatic recharge opportunity may exist. In other words, the periodic automatic recharge process may not be executed, and only the automatic recharge process just before the checkout opportunity may be executed. In this case, if the user uses electronic money for other purposes such as shopping, there is a possibility that the balance will be insufficient, but since the automatic recharge process will be executed just before the checkout opportunity, the occurrence of insufficient balance in the regular fixed amount of the investment trust can be reliably prevented.

The ordering system S of variant example 1 performs automatic value-added processing just before checkout. The ordering system S performs checkout processing just after the automatic value-added processing is performed. This can more reliably prevent order cancellation due to insufficient balance. For example, when a user uses electronic money for other purposes such as shopping, sometimes he or she does not care much even if the balance runs out. For example, some users may resist always maintaining a high balance in electronic money. For such users, the automatic value-added processing is performed only just before checkout, and the automatic value-added processing is not performed at other times, thereby improving user convenience.

[5-2. Variant 2] For example, in the implementation form, it is explained that even if the user specifies multiple fixed-amount settings, the settlement time is still the same among the multiple fixed-amount settings, but the settlement time in each of the multiple fixed-amount settings can also be different from each other. In the example of Figure 4, it is explained in the implementation form that the settlement time of "Fund A", "Fund B", and "Fund C" is the 15th of each month, but the settlement time of each of "Fund A", "Fund B", and "Fund C" can also be different from each other.

FIG. 11 is a diagram showing an example of a situation where the checkout timings in each of a plurality of periodic fixed amount settings are different from each other. In the example of FIG. 11 , it is assumed that the checkout timing will come on the fixed deduction designated day. For example, if the order processing is executed at 10 a.m. on the fixed deduction designated day, the checkout timing is executed just before 10 a.m. The meaning of just before is as described in variant example 1. In variant example 2, it is assumed that the checkout timing is 10 minutes before the order processing, that is, 9:50 a.m.

For example, the settlement time for the fixed-term investment trust of "Fund A" in the middle of T+1 is 9:50 am on the "3rd", which is the designated day for fixed deduction of "Fund A". The settlement time for the fixed-term investment trust of "Fund B" in the middle of T+1 is 9:50 am on the "12th", which is the designated day for fixed deduction of "Fund B". The settlement time for the fixed-term investment trust of "Fund C" in the middle of T+1 is 9:50 am on the "25th", which is the designated day for fixed deduction of "Fund C". The deposit process from the settlement service to the investment service can be executed just before the settlement process comes, or it can be executed at a time determined every day.

The checkout time is indicated in the fixed-amount setting stored in the investment database DB2 of variant 2. The checkout time in the fixed-amount setting is indicated in the checkout setting stored in the electronic money database DB1. In variant 2, although it is described that the checkout time is automatically determined on the same day as the designated date for the fixed deduction, the checkout time can also be specified by the user. In this case, the user specifies the checkout time on the same day as the designated date for the fixed deduction or on a day before the designated date for the fixed deduction. The user can specify not only the date of the checkout time but also the time. In the fixed-amount setting and the checkout setting, not only the date of the checkout time but also the time of the checkout time can be indicated.

In variant 2, as in variant 1, it is assumed that an automatic recharge opportunity comes just before the checkout time. Furthermore, it is assumed that an automatic recharge setting is specified for each checkout time. Therefore, in the electronic currency database DB1, an automatic recharge setting is stored for each checkout time. The number of checkout times is the same as the number of automatic recharge opportunities, so an automatic recharge setting is specified for each automatic recharge opportunity, and in the electronic currency database DB1, an automatic recharge setting is stored for each automatic recharge opportunity. The automatic recharge setting corresponding to a certain periodic fixed amount setting is a setting corresponding to the fixed deduction amount in the periodic fixed amount setting.

In the example of FIG. 11, the monthly checkout timing and automatic top-up timing are three times, "3rd", "12th", and "25th", so three automatic top-up settings are specified and stored in the electronic money database DB1. For example, the automatic top-up setting for "3rd" is a method of content corresponding to the fixed deduction amount "10,000 yen" of "Fund A", and specifies the content "If the balance is less than 10,000 yen, the balance will be changed to 11,000 yen".

For example, the auto-recharge setting for "12th" will be in the form of "15,000 yen" for the fixed deduction amount of "Fund B", and the content "If the balance is less than 15,000 yen, the balance will be increased to 16,000 yen" will be specified. The auto-recharge setting for "25th" will be in the form of "25,000 yen" for the fixed deduction amount of "Fund C", and the content "If the balance is less than 25,000 yen, the balance will be increased to 26,000 yen" will be specified.

The automatic recharge processing execution unit 109 of the second variant performs the automatic recharge processing based on the automatic recharge setting of each checkout timing when the user specifies a plurality of fixed-amount periodicity settings for the investment trust and the checkout timings of the plurality of fixed-amount periodicity settings are different from each other. The automatic recharge processing execution unit 109 performs the automatic recharge processing based on the automatic recharge setting corresponding to the most recent checkout timing among the plurality of automatic recharges stored in the electronic money database DB1. The content of the automatic recharge processing itself is as described in the embodiment.

In the example of FIG. 11 , the automatic value-added processing execution unit 109 performs the automatic value-added processing based on the automatic value-added setting of “the 3rd” when the checkout time and the automatic value-added time, i.e., “the 12th”, have already come. The automatic value-added processing execution unit 109 performs the automatic value-added processing based on the automatic value-added setting of “the 12th” when the checkout time and the automatic value-added time, i.e., “the 25th”, have already come. The automatic value-added processing execution unit 109 performs the automatic value-added processing based on the automatic value-added setting of “the 25th” when the checkout time and the automatic value-added time, i.e., “the 25th”, have already come.

In addition, the automatic top-up process can be performed at other times other than just before checkout. In the example of Figure 4, the automatic top-up process can be performed on the 1st to 3rd of each month based on the automatic top-up setting of the 3rd. The automatic top-up process can be performed on the 4th to 12th of each month based on the automatic top-up setting of the 12th. The automatic top-up process can be performed on the 13th to 25th of each month based on the automatic top-up setting of the 25th.

The order placing system S of the modification 2 performs automatic top-up processing based on the automatic top-up setting for each checkout timing when the user specifies a plurality of periodic fixed amount settings and the checkout timings of the plurality of periodic fixed amount settings are different from each other. Thus, a flexible automatic top-up processing corresponding to the checkout timing is performed, which can improve the convenience of the user. For example, for a user who does not want to have a balance exceeding the demand, the necessary balance can be maintained until the checkout timing, thereby improving the convenience of the user.

[5-3. Variant 3] For example, in the case where the automatic value-added setting is set for each checkout opportunity as in Variant 2, the automatic value-added setting screen display unit 105 may also display the automatic value-added setting screen G7 for accepting the designation of the automatic value-added setting for each checkout opportunity. The automatic value-added processing execution unit 109 executes the automatic value-added processing based on the automatic value-added setting for each checkout opportunity designated in the automatic value-added setting screen G7. The content of the automatic value-added processing itself is as described in the embodiment.

For example, suppose that the user has completed the fixed amount settings for "Fund A" and "Fund B" and wants to newly specify the fixed amount settings for "Fund C". The automatic recharge setting screen G7 of Modification 3 is a screen for accepting the automatic recharge setting for the automatic recharge process executed at the checkout time and the automatic recharge time, that is, "25th". The automatic recharge settings for other checkout times and other automatic recharge times, that is, "3rd" and "12th" are also similar, and the automatic recharge setting screen G7 for other checkout times and other automatic recharge times can also be displayed.

The ordering system S of the modification 3 displays the automatic value-added setting screen G7 for accepting the designation of the automatic value-added setting for each checkout time. The ordering system S performs the automatic value-added processing based on the automatic value-added setting for each checkout time designated in the automatic value-added setting screen G7. This allows the user to designate a flexible automatic value-added setting corresponding to the checkout time, thereby improving the convenience of the user.

[5-4. Variant 4] For example, as described in the implementation form, the automatic recharge processing execution unit 109 performs automatic recharge processing based on the automatic recharge setting corresponding to the total amount of the fixed deduction amount in each of the plurality of fixed recharge settings when the user specifies a plurality of fixed recharge settings regarding the fixed recharge of the investment trust, and the settlement time in each of the plurality of fixed recharge settings is the same. In the example of FIG. 4 described in the implementation form, there are three fixed recharge settings, namely, the fixed recharge setting of "Fund A", the fixed recharge setting of "Fund B", and the fixed recharge setting of "Fund C". The settlement time in each of the three fixed recharge settings is the same, which is "the 15th" of each month. In this case, the automatic top-up setting is specified so that the total amount of the fixed deductions in each of these three periodic fixed amount settings becomes "50,000 won". This is as described in the implementation form.

As in Modifications 1 to 3, even if the settlement time is not fixed, if the settlement time in a certain fixed amount setting is the same as the settlement time in other fixed amount settings, the automatic recharge processing execution unit 109 performs the automatic recharge processing based on the automatic recharge setting corresponding to the total amount of the fixed deduction amount in each of these fixed amount settings. For example, in the example of FIG. 11, it is assumed that the settlement time of "Fund C" is "12th", which is the same as "Fund B". In this case, the automatic top-up setting for "12th" will be changed to "If the balance is less than 40,000 yen, the balance will be changed to 41,000 yen" corresponding to the total amount of "40,000 yen" of the fixed deduction amount of "Fund B" "15,000 yen" and the fixed deduction amount of "Fund C" "25,000 yen". The content of the automatic top-up process itself is as described in the implementation form.

The order placing system S of the modification 4 performs automatic top-up processing based on the automatic top-up setting corresponding to the total amount of the fixed deduction amount in each of the plurality of periodic fixed amount settings when the user specifies a plurality of periodic fixed amount settings and the checkout timing in each of the plurality of periodic fixed amount settings is the same. Thus, even if the user's convenience is improved by designing the checkout timing corresponding to the periodic fixed amount settings, the cancellation of the order due to insufficient balance can be more reliably prevented.

[5-5. Variant 5] For example, as described in the embodiment, the automatic top-up setting may also indicate a threshold value (in the embodiment, a top-up threshold value) for the balance of the electronic currency. In this case, the automatic top-up processing execution unit 109 may not execute the automatic top-up processing during a period other than immediately before the checkout time, even if the balance of the electronic currency is less than or below the threshold value, and may execute the automatic top-up processing when the balance of the electronic currency is less than or below the threshold value immediately before the checkout time.

In variation 5, as in variation 2, it is assumed that the automatic top-up opportunity comes just before the checkout time. Furthermore, it is assumed that the automatic top-up process will not be executed at other times other than just before the checkout time. That is, it is assumed that the first automatic top-up opportunity described in variation 1 does not exist, and only the second automatic top-up opportunity exists. Therefore, in the example of FIG. 11, the automatic top-up opportunities of each month are "3rd", "12th", and "25th".

In the example of FIG. 11 , the automatic value-added processing execution unit 109 performs the automatic value-added processing based on the automatic value-added setting of “the 3rd” when the checkout time and the automatic value-added time, i.e., “the 12th”, have already come. The automatic value-added processing execution unit 109 performs the automatic value-added processing based on the automatic value-added setting of “the 12th” when the checkout time and the automatic value-added time, i.e., “the 25th”, have already come. The automatic value-added processing execution unit 109 performs the automatic value-added processing based on the automatic value-added setting of “the 25th” when the checkout time and the automatic value-added time, i.e., “the 25th”, have already come. The automatic top-up process will not be performed on the 1st, 2nd, 4th to 11th, 13th to 24th, and after 26th of the day, except before the checkout time.

In addition, users may also use electronic money for other purposes such as shopping, and may specify other automatic recharge settings other than the automatic recharge setting corresponding to the fixed-amount setting. In the example of Figure 11, automatic recharge settings for days other than "3rd", "12th", and "25th" may also be specified. This automatic recharge setting is required to use electronic money for purposes other than fixed-amount investment. For example, if the user usually only uses electronic money for small-amount checkouts, he or she may specify an automatic recharge setting on other days that "If the balance is less than 1,000 yen, the balance will be changed to 1,100 yen."

The order placing system S of the modification 5 does not perform the automatic top-up process even if the balance of the electronic currency is less than or equal to the threshold value during the period other than immediately before the checkout time. When the balance of the electronic currency is less than or equal to the threshold value immediately before the checkout time, the automatic top-up process is performed. In this way, the automatic top-up process is performed flexibly according to the checkout time, which can improve the convenience of the user. For example, for a user who does not want to have a balance exceeding the requirement, the necessary balance can be maintained only immediately before the checkout time, thereby improving the convenience of the user.

[5-6. Variant 6] For example, when the user specifies a fixed amount setting, the auto-recharge setting can also be automatically updated. Although Variant 6 takes the example that the auto-recharge setting is automatically updated when the user changes the specified fixed amount setting, the auto-recharge setting can also be automatically updated when the user specifies a new fixed amount setting. In other words, when the user places an order for a new fixed amount of investment trust, the auto-recharge setting can also be automatically updated.

FIG. 12 is a diagram showing an example of a process for a user to change a periodic fixed amount setting. For example, once a user starts a securities application and performs a change operation required to change a periodic fixed amount setting, a periodic fixed amount setting designation screen G9 required for accepting the designation of the changed periodic fixed amount setting is displayed on the display unit 35. The change operation can be an operation that can be accepted in any screen. For example, the change operation can also be performed from the top screen G2 or the investment trust designation screen G3. The user changes at least one of the settlement method, fixed deduction amount, and fixed deduction designated date from input forms F90~F92. Here, the case where the user changes the fixed deduction amount is described.

For example, assume that the user changes the fixed deduction amount of "Fund A" from "10,000 yen" to "20,000 yen". In variant 6, assume that the user has not placed an order for other funds and has not exceeded the upper limit of the available amount in the electronic currency. Once the user selects button B93, the automatic recharge setting update screen G10 is displayed on the display unit 35. Assume that the securities server 20 obtains the current automatic recharge setting from the electronic currency server 10 before the automatic recharge setting update screen G10 is displayed. The automatic recharge setting update screen G10 is displayed as a screen of the securities application. Therefore, before the auto-recharge setting update screen G10 is displayed, the checkout application is not activated, and the securities application is maintained in the foreground while updating the auto-recharge setting.

In the example of FIG. 12 , the updated automatic recharge setting is automatically determined, but the user can also specify the updated automatic recharge setting on the automatic recharge setting update screen G10. Once the user selects button B100 and is asked to confirm the changed content of the periodic fixed amount setting or input a personal identification code, the setting change completion screen G11 is displayed on the display unit 35. In this case, both the periodic fixed amount setting and the automatic recharge setting are changed. It is assumed that the securities server 20 sends the updated automatic recharge setting content or the notification that the user has selected button B100 to the electronic money server 10. The electronic money server 10 updates the automatic recharge setting based on the information received from the securities server 20. Once the user selects button B101, only the periodic fixed amount setting is changed, and the automatic recharge setting is not changed. In this case, the user can manually change the automatic recharge setting from the checkout application.

The order placing system S of the variant 6 comprises: an automatic top-up setting update unit 113, an inquiry unit 202, a periodic fixed amount setting designation screen display unit 203, and an automatic top-up setting update screen display unit 204. The periodic fixed amount setting designation screen display unit 203, as a screen during investment service, causes the periodic fixed amount setting designation screen G9 for accepting the designation of the periodic fixed amount setting to be displayed. The periodic fixed amount setting designation screen G9 of FIG. 12 is a screen required for accepting the change of the periodic fixed amount setting, but it can also be a screen for accepting the designation of a new periodic fixed amount setting. It is assumed that the display data of the periodic fixed amount setting designation screen G9 is stored in at least one of the data storage unit 200 and the data storage unit 300.

The so-called screen during investment service is the screen provided for investment service. For example, the screen on the securities application is equivalent to the screen during investment service. In the case of using a browser, the screen of the securities service domain is equivalent to the screen during investment service. In other words, the screen displayed by the user terminal 30 communicating with the securities server 20 is equivalent to the screen during investment service. In the order placement system S, there are screens during investment service and screens during checkout service.

The so-called screen during checkout service is the screen provided by the checkout service. For example, the screen on the checkout application is equivalent to the screen during checkout service. In the case of using a browser, the screen of the domain of the checkout service is equivalent to the screen during checkout service. In other words, the screen displayed by the user terminal 30 communicating with the electronic money server 10 is equivalent to the screen during checkout service.

The automatic recharge setting update screen display unit 204 displays the automatic recharge setting update screen G10 required for updating the automatic recharge setting as a screen during the investment service. It is assumed that the display data of the automatic recharge setting update screen G10 is stored in at least one of the data storage unit 200 and the data storage unit 300.

The inquiry unit 202 asks the user whether to update the automatic recharge setting when the user specifies the fixed amount setting. In the example of FIG. 12 , the inquiry unit 202 asks the user by displaying buttons B100 and B101. The inquiry can be any operation requested of the user. For example, the inquiry unit 202 can also ask using other forms such as check boxes, sliders, or option buttons, or can also ask using other media such as push notifications or interactive windows.

The automatic value-added setting update unit 113 updates the automatic value-added setting based on the user's answer to the inquiry from the inquiry unit 202. For example, if the user answers that the automatic value-added setting is not to be updated, the automatic value-added setting update unit 113 does not update the automatic value-added setting, and if the user answers that the automatic value-added setting is to be updated, the automatic value-added setting is updated.

In the sixth modification, since the automatic value-added setting update unit 113 is implemented by the electronic money server 10, when the automatic value-added setting update unit 113 receives a notification from the securities server 20 indicating that the automatic value-added setting is to be updated, the automatic value-added setting is updated based on the notification. When the automatic value-added setting update unit 113 is implemented by the securities server 20, the automatic value-added setting update unit 113 updates the automatic value-added setting by sending the notification. It is assumed that the notification includes information necessary for updating such as the updated automatic value-added setting or the user ID.

When the user specifies the fixed amount setting for the investment trust, the automatic recharge setting updating unit 113 updates the automatic recharge setting based on the fixed amount setting that should have been specified. As in Modification 6, when the user wants to change the fixed amount setting, the automatic recharge setting updating unit 113 updates the automatic recharge setting to the setting content corresponding to the changed fixed amount setting. For example, the automatic recharge setting updating unit 113 updates the automatic recharge setting to the recharge balance corresponding to the changed fixed amount deduction. The recharge balance is an amount greater than the changed fixed amount deduction. If there are multiple fixed amount settings, the added balance will be the amount equal to the total of the fixed amount deducted after the change.

In the modification 6, the automatic top-up setting update unit 113 updates the automatic top-up setting based on the user's operation in the automatic top-up setting update screen G10 displayed as the screen during the investment service. The automatic top-up setting update unit 113 can also change the automatic top-up setting without asking the user. The automatic top-up processing execution unit 109 executes the automatic top-up processing based on the updated automatic top-up setting when the automatic top-up setting has been updated. The content of the automatic top-up processing itself is as described in the embodiment.

The order placing system S of variant example 6 updates the auto-recharge setting based on the specified periodic fixed amount setting when the user specifies the periodic fixed amount setting. The order placing system S performs the auto-recharge processing based on the updated auto-recharge setting when the auto-recharge setting has been updated. Thereby, the user can save the trouble of manually performing the auto-recharge setting, thereby improving the convenience of the user. For example, when placing a new investment trust periodic fixed amount order, if the auto-recharge setting is also specified manually, it is believed that the user will feel annoyed and will not complete the investment trust periodic fixed amount order, but by saving the trouble of the auto-recharge setting, such opportunity loss can be prevented.

When the user specifies the periodic fixed amount setting, the order system S asks the user whether to update the automatic value-added setting. The order system S updates the automatic value-added setting based on the user's answer to the inquiry from the inquiry unit 202. In this way, the user's intention can be confirmed before the automatic value-added setting is updated, thereby improving the convenience of the user. For example, for a user who does not need the automatic update of the automatic value-added setting, the automatic value-added setting can be set not to be updated.

The order placing system S displays the periodic fixed amount setting designation screen G9 and the automatic top-up setting update screen G10 as the screen for investment services. The order placing system S updates the automatic top-up setting based on the user's operation in the automatic top-up setting update screen G10 displayed as the screen for investment services. In this way, the entire process from the designation of the periodic fixed amount setting to the update of the automatic top-up setting can be completed on the screen for investment services, thereby improving the convenience of the user. For example, there is no need to switch screens by starting the checkout application while the securities application is being started, or redirecting to the checkout service website, etc., so the update of the automatic top-up setting can be completed smoothly.

[5-7. Variant 7] For example, in Variant 6, depending on the periodic fixed amount setting specified by the user, there may be a time when the current automatic recharge setting does not need to be updated. In the example of FIG4, if the user changes the fixed amount of "Fund A" from "10,000 won" to "5,000 won", the possibility that the balance of the current automatic recharge setting will not become insufficient is high even if the balance is not changed. In this way, the necessity of updating the automatic recharge setting can be determined, and the determination result can be notified to the user.

The order placement system S of variant example 7 includes a necessity determination unit 205. The necessity determination unit 205 determines the necessity of updating the automatic top-up setting based on the periodic fixed amount setting specified by the user. The necessity here refers to whether the automatic top-up setting needs to be updated. For example, the necessity determination unit 205 determines whether the fixed deduction amount in the periodic fixed amount setting specified by the user is greater than the added value balance in the current automatic top-up setting. The necessity determination unit 205 determines that there is no need to update the automatic top-up setting if the current added value balance is greater than the fixed deduction amount, and determines that there is a need to update the automatic top-up setting if the current added value balance is less than the fixed deduction amount.

In addition, when the user specifies a plurality of periodic fixed amount settings, the necessity determination unit 205 may compare the total amount of the fixed deductions in each of the plurality of periodic fixed amount settings with the added value balance. As in variation 1-4, when the checkout timing of each of the plurality of periodic fixed amount settings may be different from each other, the necessity determination unit 205 may compare the amount required for the checkout processing at the checkout timing with the added value balance at each checkout timing.

The automatic value-added setting update unit 113 updates the automatic value-added setting based on the determination result of the necessity determination unit 205. The automatic value-added setting update unit 113 does not update the automatic value-added setting if the necessity determination unit 205 determines that the automatic value-added setting does not need to be updated, and updates the automatic value-added setting if the necessity determination unit 205 determines that the automatic value-added setting needs to be updated.

The order placing system S of the modification 7 determines the necessity of updating the automatic top-up setting based on the periodic fixed amount setting designated by the user. The order placing system S updates the automatic top-up setting based on the determination result. This prevents the automatic top-up setting from being automatically updated when there is no need to update the automatic top-up setting, thereby improving the convenience of the user.

[5-8. Variant 8] For example, a regular fixed amount of investment trust can have a fixed amount for normal times and a fixed amount for bonuses. Normal times are times other than bonuses. Bonus times can be set in advance or freely specified by the user. In variant 8, the bonus time is set to June and December. The fixed amount for bonuses is larger than the fixed amount for normal times. It is assumed that the fixed amount for bonuses is stored in the investment database DB2 as a regular fixed amount setting.

The checkout processing execution unit 111 of the variant 8 can also execute the checkout processing in normal time based on the fixed deduction amount in normal time, and execute the checkout processing in bonus time based on the fixed deduction amount in bonus time. Although it is different from the implementation form in that the fixed deduction amount between normal time and bonus time is different, the checkout processing itself is as described in the implementation form.

The automatic top-up processing execution unit 109 performs the automatic top-up processing based on the automatic top-up setting corresponding to the fixed deduction amount at normal time in normal time, and performs the automatic top-up processing based on the automatic top-up setting corresponding to the fixed deduction amount at bonus time in bonus time. Although the automatic top-up setting between normal time and bonus time is different from the implementation form, the automatic top-up processing itself is as described in the implementation form. The automatic top-up setting at bonus time is set in such a way that it will become the top-up remaining amount that is greater than the fixed deduction amount or the total amount at bonus time.

The order placing system S of the modification 8 performs the checkout processing of the normal time based on the fixed deduction amount of the normal time, and performs the checkout processing of the bonus time based on the fixed deduction amount of the bonus time. The order placing system S performs the automatic value-added processing of the normal time based on the automatic value-added setting corresponding to the fixed deduction amount of the normal time, and performs the automatic value-added processing of the bonus time based on the automatic value-added setting corresponding to the fixed deduction amount of the bonus time. In this way, the checkout processing and automatic value-added processing corresponding to each of the normal time and the bonus time can be performed, thereby improving the convenience of the user.

[5-9. Variant 9] For example, the automatic top-up function described in the implementation form and variant 1-8 can also be applied to orders for investment products other than fixed-term investment trusts. In variant 9, stocks are cited as an example of an investment product. Investment products can also be other products other than stocks and fixed-term investment trusts. Examples of other products are as described in the implementation form. The order placement system S includes: an automatic top-up processing execution unit 109, a checkout processing execution unit 111, and an order processing execution unit 112.

The automatic top-up processing execution unit 109 executes the automatic top-up processing of the user's electronic currency based on the automatic top-up setting corresponding to the investment amount of the investment product specified by the user. It is sufficient to replace the fixed deduction amount in the automatic top-up processing described in the implementation form with the investment amount, and replace the regular fixed amount of the investment trust with the investment product. Even if the investment product is ordered in batches, by specifying the automatic top-up setting in a way that the top-up balance will be greater than the investment amount of the investment product, it is still possible to prevent insufficient balance when placing an order. For example, when placing an order for stocks, the automatic top-up setting is specified in a way that the top-up balance will be greater than the investment amount of a certain stock.

The checkout processing execution unit 111 can execute the checkout processing for investment products based on the electronic currency added by the automatic value-added processing and the investment amount. It is sufficient to replace the fixed amount of investment trust in the automatic value-added processing described in the implementation form with the investment product. In variant example 9, electronic currency can also be used for placing orders for stocks. The order processing execution unit 112 executes the order processing for investment products when the checkout processing has been executed. The order processing for investment products itself is the same as the implementation form, and various known processes can be applied.

The order system S of variant 9 performs automatic value-added processing based on the automatic value-added setting corresponding to the investment amount of the investment product ordered by the user. The order system S can perform checkout processing based on the electronic currency added by the automatic value-added processing and the investment amount. The order system S performs order processing for investment products. The point that the order processing and the checkout processing can be executed first is as described in the implementation form. Thereby, the user can use electronic currency to place an order for investment products. The point that the convenience of users who place orders for investment products through automatic value-added processing can be improved is also the same as the implementation form and variants 1-9.

[5-10. Other variations] For example, the variations described above can be combined.

For example, electronic currency may not have an automatic top-up function. Even if there is no automatic top-up function, users can still use electronic currency to place orders for fixed-amount products or other investment products according to the implementation form. For example, if the automatic top-up setting is accepted, the amount information may not be displayed. For example, it may not be the top-up balance, but the top-up amount is indicated by the automatic top-up setting.

For example, the order system S may include only the electronic money server 10. In this case, the securities server 20 and the user terminal 30 may also exist outside the order system S. For example, the order system S may include only the securities server 20. In this case, the electronic money server 10 and the user terminal 30 may also exist outside the order system S. For example, the functions described as being implemented in the electronic money server 10 may also be implemented in the securities server 20 or other server computers. The functions described as being implemented in the securities server 20 may also be implemented in the electronic money server 10 or other server computers. For example, the functions described as being implemented in the electronic money server 10 or the securities server 20 may be shared by a plurality of computers. Each function only needs to be implemented in at least one computer.

S: Order system N: Network 10: Electronic currency server 11,21,31: Control unit 12,22,32: Memory unit 13,23,33: Communication unit 20: Securities server 30: User terminal 34: Operation unit 35: Display unit G1: Login screen G2: Top screen G3: Investment trust designation screen G4: Checkout method designation screen G5: Fixed deduction etc. designation screen G6: Login screen G7: Automatic top-up setting screen G8: Order completion screen G9: Periodic fixed amount setting designation screen 100: Data storage unit 101: Consistency determination unit 102: Automatic top-up setting permission unit 103: Total amount calculation unit 104: Possibility determination unit 105: Automatic value-added setting screen display unit 106: Amount information display unit 107: Possibility display unit 108: Automatic value-added timing determination unit 109: Automatic value-added processing execution unit 110: Checkout timing determination unit 111: Checkout processing execution unit 112: Order processing execution unit 113: Automatic value-added setting update unit 200: Data storage unit 201: Order processing execution unit 202: Inquiry unit 203: Periodic fixed amount setting designation screen display unit 204: Automatic value-added setting update screen display unit 205: Necessity determination unit 300: Data storage unit 301: Display control unit 302: Operation reception unit B12, B20, B21, B30, B40, B43, B52, B62, B72, B92: Buttons DB1: Electronic currency database DB2: Investment database F10, F50, F60, F70, F90: Input form G10: Automatic value-added setting update screen G11: Setting change completion screen M73: Message M74: Message B100, B101: Buttons

[Figure 1] An example of the overall structure of the order system. [Figure 2] An example of a screen displayed on a user terminal. [Figure 3] An example of a screen displayed on a user terminal. [Figure 4] An example of the process after the completion of a fixed-amount order for a trust fund. [Figure 5] A functional block diagram of an example of the functions implemented in the order system. [Figure 6] An example of an electronic currency database. [Figure 7] An example of the processing of the possibility display unit. [Figure 8] An example of an investment database. [Figure 9] An example of the processing performed in the order system. [Figure 10] An example of the functional block in the variant. [Figure 11] An illustration showing an example of a situation where the checkout timings for multiple fixed-amount settings are different from each other. [Figure 12] An illustration showing an example of the process of a user changing a fixed-amount setting.

10: Electronic currency server

20: Securities Server

30: User terminal

100: Data storage unit

101: Consensus judgment department

102: Automatic value-added setting permission section

103: Total Amount Calculation Department

104: Possibility determination department

105: Automatic value-added setting screen display section

106: Amount information display department

107: Possibility display unit

108: Automatic value-added timing determination unit

109: Automatic value-added processing execution department

110: Checkout timing determination department

111: Checkout Processing Execution Department

112: Order processing execution department

200: Data storage unit

201: Order processing execution department

300: Data storage unit

301: Display control unit

302: Operation acceptance department

DB1: Electronic currency database

DB2: Investment database

Claims (23)

An order placing system includes: an automatic value-added processing execution unit, which performs automatic value-added processing on electronic currency held by a previous user based on the automatic value-added setting corresponding to the fixed deduction amount specified by the previous user for the periodic fixed amount product ordered by the user; and a checkout timing determination unit, which determines whether the checkout timing for the previous periodic fixed amount product has arrived; and a checkout processing execution unit, which performs checkout processing on the previous periodic fixed amount product based on the added previous electronic currency and the previous fixed deduction amount when it is determined that the previous checkout timing has arrived; and an order processing execution unit, which performs order processing on the previous periodic fixed amount product. In the order placing system as described in claim 1, the pre-order automatic value-added processing execution unit performs the pre-order automatic value-added processing based on the pre-order automatic value-added setting corresponding to the pre-order deduction when the pre-order user specifies the pre-order automatic value-added setting corresponding to the pre-order deduction in the automatic value-added setting screen that allows the pre-order user to specify any pre-order automatic value-added setting. The order placing system as described in claim item 1 or 2, wherein the pre-order placing system further comprises: an amount information display unit, which is used to accept the specified automatic value-added setting screen of the pre-order automatic value-added setting, and display the amount information about the pre-order deduction; and a pre-order automatic value-added processing execution unit, which executes the pre-order automatic value-added processing based on the pre-order automatic value-added setting specified in the pre-order automatic value-added setting screen. In the order placing system described in claim item 1 or 2, the pre-record automatic value-added setting indicates the balance after the pre-record automatic value-added processing is executed; the pre-record automatic value-added processing execution unit executes the pre-record automatic value-added processing in a manner that the value-added balance indicated by the pre-record automatic value-added setting becomes the value-added balance corresponding to the pre-record deduction in the case where the pre-record automatic value-added setting indicates that the value-added balance will become the value-added balance indicated by the pre-record automatic value-added setting. The order placing system as described in claim 3, wherein the pre-recorded order placing system further comprises: a total amount calculation unit, which calculates the total amount of the pre-recorded deductions in each of the plurality of periodic fixed amount settings when the pre-recorded user has specified a plurality of periodic fixed amount settings for the pre-recorded periodic fixed amount product; and a pre-recorded amount information display unit, which causes the pre-recorded total amount to be displayed on the pre-recorded automatic value-added setting screen as pre-recorded amount information. The order placing system as described in claim 1 or 2, wherein the pre-order placing system further comprises: a possibility determination unit, which determines the possibility of the pre-order placing process being completed based on the current pre-order automatic value-added setting; and a possibility display unit, which displays the determination result of the pre-order possibility determination unit on the specified automatic value-added setting screen for accepting the pre-order automatic value-added setting; and a pre-order automatic value-added processing execution unit, which executes the pre-order automatic value-added processing based on the pre-order automatic value-added setting specified in the pre-order automatic value-added setting screen. The order placing system as described in claim item 1 or 2, wherein the previous order placing system further comprises: an automatic value-added timing determination unit, which determines whether the automatic value-added timing that comes periodically has arrived; and a previous automatic value-added processing execution unit, which executes the previous automatic value-added processing when it is determined that the previous automatic value-added timing has arrived. In the order placing system described in claim item 1 or 2, the automatic value-added processing execution unit for the previous record executes the automatic value-added processing for the previous record before the time for the previous record settlement is about to come; the previous record settlement processing execution unit executes the previous record settlement processing after the automatic value-added processing for the previous record is just executed. In the order placing system described in claim 1 or 2, the automatic value-added processing execution unit for pre-orders is to execute the automatic value-added processing for pre-orders based on the automatic value-added settings for pre-orders for each pre-order checkout timing when the pre-order user specifies multiple fixed-amount settings for pre-orders for fixed-amount products and the pre-order checkout timings in each of the multiple fixed-amount settings are different from each other. The order placing system as described in claim 9, wherein the pre-order placing system further comprises: an automatic value-added setting screen display unit, which causes the designated automatic value-added setting screen for accepting the pre-order automatic value-added setting for each pre-order settlement opportunity to be displayed; and a pre-order automatic value-added processing execution unit, which executes the pre-order automatic value-added processing based on the pre-order automatic value-added setting for each pre-order settlement opportunity designated in the pre-order automatic value-added setting screen. In the order placing system described in claim item 1 or 2, the automatic recharge processing execution unit for pre-orders is to execute the automatic recharge processing for pre-orders based on the automatic recharge setting for pre-orders corresponding to the total amount of the pre-order deductions in each of the multiple fixed-amount settings, when the pre-order user specifies multiple fixed-amount settings for pre-order fixed-amount products and the pre-order settlement timings in each of the multiple fixed-amount settings are the same. In the order placing system described in claim item 1 or 2, the pre-record automatic recharge setting indicates the threshold value of the pre-record electronic currency balance; the pre-record automatic recharge processing execution unit does not execute the pre-record automatic recharge processing during the period other than immediately before the pre-record settlement time, even if the pre-record electronic currency balance is less than or below the pre-record threshold value; and executes the pre-record automatic recharge processing when the pre-record electronic currency balance is less than or below the pre-record threshold value immediately before the pre-record settlement time. The order placing system as described in claim 1 or 2, wherein the previous record order placing system further comprises: an automatic value-added setting updating unit, which updates the previous record automatic value-added setting based on the specified periodic fixed amount setting when the previous record user specifies the periodic fixed amount setting for the previous record periodic fixed amount product; and a previous record automatic value-added processing execution unit, which executes the previous record automatic value-added processing based on the updated previous record automatic value-added setting when the previous record automatic value-added setting has been updated. The order placing system as described in claim 13, wherein the pre-record order placing system further comprises: an inquiry unit, which asks the pre-record user whether to update the pre-record automatic value-added setting when the pre-record user specifies the pre-record periodic fixed amount setting; and a pre-record automatic value-added setting updating unit, which updates the pre-record automatic value-added setting based on the pre-record user's answer to the inquiry from the pre-record inquiry unit. The order placing system as described in claim 13, wherein the aforementioned fixed-amount product is provided through investment services; the aforementioned electronic currency is provided through a settlement service different from the aforementioned investment services; the aforementioned order placing system further comprises: a fixed-amount setting designation screen display unit, which causes the fixed-amount setting designation screen used to accept the designated fixed-amount setting of the aforementioned fixed-amount to be displayed as a function of the aforementioned investment services The automatic recharge setting update screen display unit is used to display the automatic recharge setting update screen required for updating the previous automatic recharge setting as the screen for the previous investment service; the previous automatic recharge setting update unit is used to update the previous automatic recharge setting based on the operation of the previous user in the previous automatic recharge setting update screen displayed as the screen for the previous investment service. The order placing system as described in claim 13, wherein the previous record order placing system further comprises: a necessity determination unit, which determines the necessity of updating the previous record automatic value-added setting based on the previous record periodic fixed amount setting specified by the previous record user; and a previous record automatic value-added setting update unit, which updates the previous record automatic value-added setting based on the determination result of the previous record necessity determination unit. The order placing system as described in claim item 1 or 2, wherein the aforementioned fixed-amount products are provided through investment services; the aforementioned electronic currency is provided through a settlement service different from the aforementioned investment services; the aforementioned order placing system further comprises: a consistency determination unit for determining whether the user information of the aforementioned user in the aforementioned investment service is consistent with the user information of the aforementioned user in the aforementioned settlement service; and an automatic top-up setting permission unit for permitting the aforementioned automatic top-up setting made by the aforementioned user based on the determination result of the aforementioned consistency determination unit. In the order placing system described in claim 1 or 2, the pre-record settlement processing execution unit performs the pre-record settlement processing in normal time based on the pre-record deduction in normal time, and performs the pre-record settlement processing in bonus time based on the pre-record deduction in bonus time; the pre-record automatic value-added processing execution unit performs the pre-record automatic value-added processing in normal time based on the pre-record automatic value-added setting corresponding to the pre-record deduction in normal time, and performs the pre-record automatic value-added processing in bonus time based on the pre-record automatic value-added setting corresponding to the pre-record deduction in bonus time; the pre-record normal time is a period other than the pre-record bonus time; the pre-record bonus time is a predetermined period or a period that can be freely specified by the user. An order placing system comprises: a checkout timing determination unit for determining whether the checkout timing for a fixed-amount product ordered by a user has arrived; and a checkout processing execution unit for executing the checkout processing for the fixed-amount product ordered by the previous record based on: the electronic currency held by the previous record user, which includes a first balance restricted from withdrawal and a second balance available for withdrawal, and both the first balance and the second balance of the electronic currency that can be added based on a predetermined checkout method, and the fixed deduction amount specified by the previous record user; and an order processing execution unit for executing the order placing processing for the fixed-amount product ordered by the previous record. An order placing system comprises: an amount information display unit, which is used to display the amount information of the fixed deduction amount specified by the previous user for the periodic fixed amount product ordered by the previous user in the automatic recharge setting screen for accepting the automatic recharge setting of the electronic currency held by the user; and an automatic recharge processing execution unit, which is used to execute the previous electronic currency based on the previous automatic recharge setting specified in the previous automatic recharge setting screen. The automatic recharge processing of the electronic currency of the previous record; and the checkout timing determination unit determines whether the checkout timing of the previously recorded periodic fixed amount product has arrived; and the checkout processing execution unit, when it is determined that the previously recorded checkout timing has arrived, executes the checkout processing of the previously recorded periodic fixed amount product based on the recharged electronic currency of the previous record and the fixed deduction amount specified by the previously recorded user; and the order processing execution unit executes the order processing of the previously recorded periodic fixed amount product. An order placing system includes: an automatic value-added processing execution unit, which performs automatic value-added processing on the electronic currency of the previous user based on the automatic value-added setting corresponding to the investment amount of the investment product ordered by the user; and a checkout processing execution unit, which can perform checkout processing on the previous investment product based on the previous electronic currency added by the previous automatic value-added processing and the previous investment amount; and an order processing execution unit, which performs order processing on the previous investment product. An order placing method is performed by a computer: an automatic top-up processing execution step is based on the automatic top-up setting corresponding to the fixed deduction amount specified by the previous user for the periodic fixed amount product ordered by the user, and the automatic top-up processing of the electronic currency held by the previous user is executed; and a checkout timing determination step is to determine the time to checkout the previous periodic fixed amount product. Whether the checkout time of the previous record has arrived; and the checkout processing execution step is to execute the checkout processing for the previous record periodic fixed amount product based on the previous record electronic currency after the recharge and the fixed deduction amount specified by the previous record user when it is determined that the previous record checkout time has arrived; and the order processing execution step is to execute the order processing for the previous record periodic fixed amount product. A program product is used to make a computer function as follows: an automatic value-added processing execution unit, which executes automatic value-added processing for electronic currency held by a previous user based on the automatic value-added setting corresponding to the fixed deduction amount specified by the previous user for the periodic fixed-amount product ordered by the user; a checkout timing determination unit, which determines whether the checkout timing for the previous periodic fixed-amount product has arrived; a checkout processing execution unit, which, if it is determined that the previous checkout timing has arrived, executes checkout processing for the previous periodic fixed-amount product based on the added previous electronic currency and the fixed deduction amount specified by the previous user; an order processing execution unit, which executes order processing for the previous periodic fixed-amount product.

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