WO2001067323A1

WO2001067323A1 - Financial product trading method, fanatical product trading system, and translation system

Info

Publication number: WO2001067323A1
Application number: PCT/JP2001/001738
Authority: WO
Inventors: Kunihiko Kaji; Taizo Son
Original assignee: Investoria Inc.
Priority date: 2000-03-06
Filing date: 2001-03-06
Publication date: 2001-09-13
Also published as: JPWO2001067323A1; AU2001236111A1

Abstract

A financial product trading method for reducing the costs such as charge for trade of a financial product over a network by selecting a more appropriate financial institute so as to trade a financial product such as an investment security by use of the Internet (3). Securities companies (A to C) are set up on the Internet (3) and an access management server (2) for presenting charges claimed by the securities companies (A to C) and managing trade and order by an arbitrary securities company selected by a user (1) is provided.

Description

Description Financial instrument transaction method, financial instrument transaction system and translation system

The present invention relates to a financial product trading system for trading financial products such as investment securities via a network such as the Internet. Another invention relates to a translation system for providing a translation service, such as translating a foreign language into a native language, using a network such as the Internet or an intranet. Background art

In recent years, with the spread of personal computers and mobile terminals and technological progress, Internet-intranet, etc., constructed by connecting these terminals to each other via telephone lines, dedicated lines, wireless lines, LAN, etc. Networks are developing.

In the past, the number of transactions involving the purchase and sale of financial instruments such as investment securities via such networks has been increasing. FIG. 1 is a block diagram showing a schematic configuration of a conventional financial instrument transaction system.

In general, financial instrument transactions are conducted through securities companies, etc., so the user 1 accesses the securities companies A to C via the network 3 as shown in Fig. 1 and places trade orders with these securities companies. Do.

However, as shown in Figure 1, there are multiple securities firms on Network 3, each of which sets transaction conditions such as agency fees and transaction limits based on its own fee structure. For example, there are various fee structures, such as setting differences in commissions based on the size of transactions and the amount of guarantees of investors. You.

Therefore, User 1 must investigate the fees of each securities company according to the amount of the transaction and the amount of the security that he / she intends to carry out, select the appropriate securities company and perform order processing. Not only is the operation complicated, but also a great deal of labor and time must be spent on the investigation.

The present invention has been made in view of the above points, and an object of the present invention is to provide a financial product transaction system capable of facilitating the transaction of financial products through a network.

Conventionally, a system has been developed that provides a translation service for translating a foreign language into a native language or a native language into a foreign language using a network. FIG. 2 is a block diagram showing a schematic configuration of a conventional translation system. As shown in FIG. 1, the conventional translation system includes a translation engine 106 installed on the Internet 3, a dictionary database 105 for storing a word dictionary, and a fixed sentence database 1 for storing a fixed sentence dictionary. 0 7 and basic settings 1 to set the use priority of dictionaries stored in these databases

08, and a translation engine 106 that translates using the dictionary database 105 and the fixed phrase data base 107 according to the settings of the basic settings 108.

In such a conventional translation system, users A to C requesting a translation service transmit original text data to the translation engine 106 using the Internet 3, and the translation engine 106 According to the settings of the basic settings 108, the original text data is translated using the word dictionary or the fixed phrase dictionary stored in the dictionary database 105 or the fixed phrase database 107 to generate the translated data. , And send it to users A to C who have requested the translation service. However, the conventional translation system described above has a problem that it is difficult to perform appropriate translation desired by users because dictionary data and basic settings common to a plurality of users A to (: are used. .

In other words, it is necessary to select a specialized dictionary to be used for translation depending on the field and type of business that the original text requested by the user is for translation. In many cases, translations are made using specialized dictionaries in different fields because of the basic settings, and an appropriate translation is not selected.

In addition, in the above-described conventional translation system, there is a problem that a user's preference is not reflected because a common dictionary database and fixed phrase database are used for each user.

Therefore, other inventions have been made in view of the above points, and in a translation system that provides a translation service to a plurality of users using a network, the preferences of each user are accurately reflected, Another object of the present invention is to provide a translation system capable of selecting a specialized dictionary that conforms to the field to which the original text belongs or one of the categories and performing more accurate translation. Disclosure of the invention

The invention according to the present application has been made to solve the above-described problem, and is a method of performing a transaction of a financial product through a network constructed by connecting terminals to each other via a communication line. Establish multiple financial instruments trading companies to represent financial instruments trading business, such as buying and selling financial instruments, present the transaction conditions of the plurality of financial instruments trading companies, and select any financial instrument transaction selected by the accessor An access management server that performs a transaction order operation with respect to a company is installed on the network, and the accessor conducts a transaction with any financial product trading company via the access management server. Is what you do.

Here, “financial instruments” refer to all financial instruments such as securities and associated financial instruments, and securities include securities and the like. Such securities include, for example, derivative products (options, futures, forwards, stock acquisition rights, etc.) derived from each security, or those that index multiple securities and their Includes derivative products (Nikkei 225 Index, topics and options, futures, forwards, etc.).

According to the present invention, an accessor can compare and evaluate the presented transaction conditions of a plurality of financial instrument trading companies, and can obtain a more appropriate financial instrument in accordance with the amount, type, and preferential conditions of his / her transaction. A second invention is a method for conducting a financial product transaction through a network constructed by connecting terminals to each other via a communication line, wherein the method comprises the steps of: There are multiple financial product trading companies that represent financial product trading business such as buying and selling of financial products, and an access management server that performs trading order operation for any financial product trading company selected by the accessor. Installed on the network, the plurality of financial instrument trading companies approve the credit guarantee of the accessor at another financial instrument trading company or financial institution as its own credit guarantee, The access management server, when performing a trade order operation to the selected arbitrary financial product trading company, notifies the credit guarantee information of the accessor at another financial product trading company or financial institution. Things.

According to the present invention, when dealing with a plurality of financial product trading companies, the credit guarantee of any trading company or financial institution can be transferred to another financial product trading company. The burden on the user can be reduced. Also, on the financial instruments trading company side, the access management server uses the credit guarantee information of another financial instruments trading company or financial institution. As a result, troubles in transactions can be avoided.

Further, a third invention is a system for performing transactions of financial products through a network constructed by connecting terminals to each other via a communication line, wherein the system is installed on the network, It has an access management server that presents commissions of multiple financial instrument trading companies that represent trading and other financial instrument trading businesses, and performs trading order operations for any financial instrument trading company selected by the accessor. It is characterized by the following.

According to the present invention, since the transaction conditions of a plurality of financial instrument trading companies can be browsed by the access management server, the accessor can trade with any financial instrument trading company after comparing and examining the transaction conditions. Can be. A fourth invention is a system for conducting financial product transactions via a network constructed by connecting terminals to one another via a communication line, wherein the system is installed on the network and selected by an accessor. And an access management server for performing a trading order operation with respect to an arbitrary financial product trading company, wherein the access management server performs a trading order operation with the selected arbitrary financial product trading company. The credit guarantee information of the accessor at the financial product trading company or financial institution is notified.

According to the present invention, when selecting and trading an arbitrary trading company from a plurality of financial product trading companies, the credit guarantee of one of the financial product trading companies or financial institutions can be diverted to another trading company. As a result, the burden on the user for credit guarantee can be reduced, and transactions via the network can be made smoother.

Furthermore, the fifth invention is a system for performing translation using a network constructed by connecting terminals to each other via a communication line, and is a shared data storing common words and fixed phrases. Overnight, multiple users are optional A plurality of personal databases respectively registering the words, fixed phrases, etc., and translation data from the original text data using the shared database while reflecting the information registered in the personal database. And a translation engine for generating.

According to the present invention, a common dictionary database and a fixed-form sentence database are used for general translations, so that the storage area for storing dictionaries can be reduced, and the user can register individual translations. Since the original text data can be translated while using the word-to-fixed translation, users can create translated text data that appropriately reflects their preferences and technical terms.

In particular, this translation system can be incorporated into the above-mentioned financial product transaction system. In this case, the user is interested in analyzing the words and the like registered individually by the user. Financial products can be estimated.

The translation system of the present invention may include personal database management means for organizing and integrating words and fixed phrases registered in the plurality of personal databases and reflecting the words and fixed phrases in the shared database. preferable.

According to the present invention, by reflecting words and fixed phrases registered in the personal database in the shared database, new words, fixed phrases, more appropriate translated words, and the like can be shared by a plurality of users. The overall translation accuracy can be improved.

Further, in the above translation system of the invention, it is preferable that the shared database has a plurality of specialized dictionaries, and the personal database includes means for recording a use history of the plurality of specialized dictionaries. .

According to the present invention, the use history of the specialized dictionary is recorded, and the translation processing is performed by preferentially using the specialized dictionary which is frequently used from the history. Translations specific to a particular field, such as gate terms, can be applied appropriately, and translations can be made to meet the needs of individual users.

Further, the translation system of the present invention has setting means for setting the use priority order of the plurality of specialized dictionaries, and the setting means obtains the use history recorded on each personal data base. It is preferable to have a function of updating the use priority in order to reflect the analysis result.

According to the present invention, it is possible to grasp the specialized dictionaries which each user preferentially uses, and to update the priority of the dictionaries and fixed phrases in the shared database, thereby improving the entire system. It is possible to improve the translation accuracy in.

By analyzing specialized dictionaries that are commonly used in the entire system, it is possible to investigate the fields and industries that the entire user is paying attention to. For example, if the translation system of the present invention is incorporated into a financial product transaction system, etc., it is possible to identify the type of business that is actively engaged in transactions by grasping the fields and types of business that are being watched by the entire user. it can.

Further, in the translation system according to the present invention, the personal database has a personal setting function of setting a priority order of a professional dictionary arbitrarily selected by a user, and the setting means includes an individual recorded in each personal database. It is preferable to have a function of acquiring the person settings and collecting the statistics of the specialized dictionary selected by each user.

According to the present invention, a specialized dictionary to be used preferentially can be set in advance for each user, and translation can be performed according to each user's individual needs. In addition, by acquiring the personal settings of each user and collecting statistics, by reflecting the statistics in the shared settings, the translation accuracy in the entire system can be improved. Also, to analyze the statistics of personal settings Therefore, it is possible to estimate what fields and industries the entire user is paying attention to. BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a block diagram showing a schematic configuration of a conventional financial product system. FIG. 2 is a block diagram showing a schematic configuration of a conventional translation system. FIG. 3 is a block diagram showing a schematic configuration of the financial instrument system according to the first embodiment.

FIG. 4 is a block diagram illustrating an internal configuration of the access management server according to the first embodiment.

FIG. 5 is an explanatory diagram showing a procedure of a new customer account opening process in the first embodiment.

FIG. 6 is an explanatory diagram showing a procedure of an existing customer account opening process in the first embodiment.

FIG. 7 is an explanatory diagram showing a procedure when the user 1 makes a transaction using a real account in the first embodiment.

FIG. 8 is an explanatory diagram showing a procedure in the case where the user 11 makes a transaction using a virtual account in the first embodiment.

FIG. 9 is an explanatory diagram showing a procedure for changing the contents of a real account in the first embodiment.

FIG. 10 is an explanatory diagram showing a procedure of a new customer account opening process in the second embodiment.

FIG. 11 is an explanatory diagram showing a procedure when a user 1 makes a transaction using a real account provided in an access management server 2 in the second embodiment.

FIG. 12 shows a procedure of a new customer account opening process in the third embodiment. FIG.

FIG. 13 is an explanatory diagram showing a procedure for resetting transaction conditions in the third embodiment.

FIG. 14 is an explanatory diagram showing a procedure when the user 1 makes a transaction using funds in a bank in the third embodiment.

FIG. 15 is an explanatory diagram showing a procedure for changing the contents of a bank account in the third embodiment.

FIGS. 16A and 16B are explanatory diagrams of a translation system according to the fourth embodiment. FIG. 16A is a block diagram showing a schematic configuration of the entire translation system, and FIG. 16B is a personal data base 2a to 2c. It is a figure which shows the internal structure of FIG.

FIG. 17 is an explanatory diagram showing operation processing at the time of initial use in the fourth embodiment.

FIG. 18 is an explanatory diagram showing an operation process at the time of use after setting in the fourth embodiment.

FIG. 19 is an explanatory diagram showing an operation process at the time of database integration in the fourth embodiment.

FIG. 20 is an explanatory diagram showing an operation process at the time of changing the basic setting in the fourth embodiment.

FIG. 21 is a block diagram illustrating a schematic configuration of the financial instrument system according to the fifth embodiment. BEST MODE FOR CARRYING OUT THE INVENTION

[First Embodiment (multiple securities type)]

(Overall configuration of financial instrument transaction system)

An embodiment of the present invention will be described with reference to the drawings. FIG. 3 is a schematic configuration diagram illustrating the financial instrument transaction system according to the present embodiment. The financial product trading system according to the present embodiment uses the Inuichi Net 3 to buy and sell financial products such as investment securities, and as shown in FIG. Access management server 2 that has ~ (: installed, and presents the fees of these securities companies A ~ (:, and performs trading order operations for any securities company selected by user 1. Is installed.

Here, in the present embodiment, the Internet 3 is a communication network constructed by connecting general-purpose computers such as personal computers and terminal devices such as mobile terminals to each other via telephone lines, dedicated lines, LANs, wireless lines, and the like. It is. User 11 is, for example, a private investor, and is a person who allows securities companies A to C to buy and sell securities through the Internet 3 using terminal devices used by himself / herself. Securities companies A to C are brokers of securities businesses such as the sale and purchase of securities, and have the function of receiving trade orders from users on the Internet via the Internet3. Have.

The access management server 2 is installed on the Internet 1 to receive access from the user 1 and relay transaction order operations to the securities companies A to C. In the present embodiment, the access management server 2 They are qualified to run their own securities business.

The access management server 2 will be described in detail. In this embodiment, as shown in FIG. 4, a transaction order processing unit 22, a credit guarantee information acquisition / notification unit 23, a securities company selection unit 24, and a transaction It has a condition presenting means 25, a service providing unit 26, a personal database management system 27, and a personal database 21.

The transaction order processor 22 exchanges financial products by transmitting and receiving data to and from securities companies A to C. Get credit guarantee information 'The notification unit 23 acquires user's credit guarantee information from one of the securities companies A to C or the financial institution 4, and notifies other securities companies. The securities company selection section 24 selects one of the securities companies A to C based on the operation of the user and causes the transaction order processing section 22 to perform the transaction processing. The transaction condition presentation means 25 is a person who acquires personal information and transaction conditions of each user from the personal database 21 and presents possible transaction conditions to the user in accordance with these. The service providing unit 26 performs a procedure with a user through a Web page.

(Open a new customer account)

In the financial instrument transaction system according to the present embodiment having the above-described configuration, the following process is performed to open a new customer account. FIG. 5 is an explanatory diagram showing a procedure of a new customer account opening process in the first embodiment. First, the user 11 accesses the access management server 2 and performs an account opening procedure ((1) in FIG. 5). ). At this time, the access management server 2 requests the user 1 to declare a financial institution (securities company) with which the user 1 wishes to make a transaction and a financial institution (securities company) opening an account. Here, the user 11 designates securities companies A to C as financial institutions wishing to make a transaction, and designates securities company A as a financial institution for opening an account. Upon receiving this report, the access management server 2 registers necessary information in the database 21.

Next, the access management server 2 notifies the securities company A that the account opening request has been received from the user 1, and transfers necessary information from the information registered in the database 21 to the securities company A (FIG. 5). Medium (2)).

Upon receiving this notification, securities company A opens an account in the name of user 1 and sends a confirmation notification to access management server 2. Upon receiving this confirmation, the access management server 2 informs the securities company A that an account has been opened. A confirmation is sent to User 1 and the registration data in database 21 is changed to register that confirmation has been made ((3) in Fig. 5).

After that, the user 1 deposits into the account of the securities company A ((4) in FIG. 5), and the securities company A that confirms the deposit transmits the deposit information such as the account balance to the access management server 2. In response, the access management server 2 changes the registration data of the database 21 ((5) in FIG. 5).

After the opening of the account and the confirmation of payment in securities A are completed in this way, the access management server 2 opens virtual accounts with other securities companies B and C. Specifically, the access management server 2 notifies the securities companies B and C of the account opening request to the securities companies B and C, and transfers the necessary information and the deposit information registered in the database 21 (see FIG. 6)).

In response to this, each securities company B and C opens a virtual account, and informs the information for the confirmation and the transaction conditions for user 1 of each securities company B and C. Upon receiving this notification, the access management server 2 changes the contents of the registered data in the database 21 so as to confirm the account opening and record the transaction conditions at each securities company ((7) in FIG. 5).

After that, the access management server 2 notifies the user 1 and each of the securities companies A to C of predetermined items to confirm the final registration contents ((8) in Fig. 5), and opens a new customer account. To end.

(Open an existing customer account)

If User 11 already has an account with any of securities companies A to C, the following processing is performed. FIG. 6 is an explanatory diagram showing a procedure of an existing customer account opening process in the first embodiment.

First, the user 1 accesses the access management server 2 and performs a new virtual account opening procedure. At this time, the access management server 2 provides the user 1 with the financial institution (securities company) with which the user 1 Requests the declaration of a financial institution (securities company) that has an account. Here, the user 1 designates securities company A to (: as a financial institution that wishes to make a transaction, and designates securities company A as a financial institution having an existing account. The management server 2 additionally registers necessary information in the database 21 ((1) in FIG. 6).

Next, the access management server 2 notifies the securities company A that the user 1 has made a request to open a new virtual account, and sends necessary information to the securities company A among the information registered in the database 21. Transfer ((2) in Fig. 6).

Upon receiving this notification, securities company A confirms that an account in the name of User 11 exists, and transmits a notice of confirmation of the account balance to access management server 2. Upon receiving this confirmation, the access management server 2 changes the registration data of the database 21 to confirm that the account exists at the securities company A and to register the balance ((3 in FIG. 6). )).

After that, the access management server 2 performs a new virtual account opening procedure for the other securities companies B and C. Specifically, the access management server 2 notifies the securities companies B and C of a request to open a new virtual account, and transfers necessary information and deposit information registered in the database 21 (see FIG. 6 (4)).

In response to this, each securities company B and C opens a virtual account, and informs the information for the confirmation and the transaction conditions to the user 11 of each securities company B and C. Upon receipt of this notification, the access management server 2 changes the contents of the registered data in the database 21 so as to confirm the account opening and record the transaction conditions at each securities company ((5) in FIG. 6).

After that, the access management server 2 notifies the user 1 and the securities companies A to C of predetermined items to confirm the final registration contents ((6) in FIG. 6) and opens a new customer account. The process ends. (Transaction by real account)

After User 1's account opening is completed as described above, securities trading is actually started. FIG. 7 is an explanatory diagram showing a procedure when the user 11 makes a transaction using a real account.

First, the user 1 accesses the access management server 2 and inputs the order details. At this time, the access management server 2 requests the user 1 to select a financial institution (securities company) with which the user 1 wishes to make a transaction ((1) in FIG. 7). Specifically, the access management server 2 receives the login of the user 1, searches the information on the user 1 in the database 21, and the user 1 has an account (real account and virtual account). Information such as securities companies, transaction conditions at each securities company, balances in real accounts, etc. is presented via the Internet 3 to prompt the user 1 to make a selection. By browsing this information, the user 1 can compare securities companies with more appropriate transaction conditions. Here, it is assumed that user 1 has selected securities company A, which has an actual account.

The access management server 2 receives the selection of the securities company from the user 1 and registers the order contents in the database 21 and provisionally registers the account balance information changed by the user 1 order in the database 21 I do. Along with this registration, the access management server 2 sends the order details to the securities company A selected by the user 1 ((2) in FIG. 7).

Thereafter, when the trading of securities is concluded in securities company A, securities company A sends a contract notice to access management server 2 and changes the balance of the real account established in securities company A. On the other hand, the access management server 2 that has received the contract notification changes the registration data of the database 21 in the provisionally registered state so as to register the account balance confirmed by the contract ((3) in FIG. 7). ). The access management server 2 notifies each of the securities companies A to C of the determined registration data of the database 21, that is, the balance in the actual account provided at the securities company A ((4) in FIG. 7). . In response to this notification, each of the securities companies A to C notifies the access management server 2 of the new transaction conditions, and upon receiving this notification, the access management server 2 sends the contents of the database 21 Is changed, and the changed transaction conditions are notified to User 1 ((5) in Fig. 7). This is because, for example, when securities companies A to C set the transaction upper limit and commission according to the account balance, the transaction conditions are changed by changing the balance of the real account of user 11 This is to notify the access management server 2 and the user 11 of this.

After that, the access management server 2 notifies the user 1 and each of the securities companies A to C of predetermined items to confirm the final registration contents ((6) in Fig. 7), and a series of transactions. The process ends.

(Transaction by virtual account)

Next, a case where a transaction is performed using a virtual account will be described. FIG. 8 is an explanatory diagram showing the procedure when user 1 makes a transaction using a virtual account.

First, the user 1 accesses the access management server 2 and inputs the order details. At this time, the access management server 2 requests the user 1 to select a financial institution (securities company) used by the user 1 ((1) in FIG. 8). Specifically, the access management server 2 receives the Login of the user 1 and searches for information on the user 1 in the database 21 and the user 1 accesses the account (real account and virtual account). Information on the securities companies that have the account, the transaction conditions at each securities company, the balance in the actual account, etc. is presented via the Internet 3 to prompt the user 11 to make a selection. In this case, user 1 is a company that has selected securities company B as a financial institution that conducts securities transactions. And

The access management server 2 that has received the selection of the securities company B from the user 1 1 registers the order contents on the data base 21 and notifies the securities company A of the account balance information, and sends the information to the securities company B. For this purpose, account balance information and order details are transmitted. After all the notices have been completed, the access management server 2 temporarily changes the database 21 with respect to the balance information of the real account changed by the order of the user 1, and also changes the contents of the temporary change to the securities companies A and B. (Fig. 8, (2)).

Thereafter, when the securities company B sells or sells securities, the securities company B sends a contract notice to the access management server 2 ((3) in Fig. 8). Next, upon receiving the contract notice, the access management server 2 notifies the securities company A of the contents of the contracted transaction and requests the securities company A to transfer the account ((4) in FIG. 8). ).

In response to the account transfer request, securities company A transfers the account money to securities company B, changes the balance information of the real account, and notifies access management server 2 to that effect. Upon receiving this notification, the access management server 2 changes the registration data of the data base 21 that has been provisionally changed in order to register the account balance determined by the account transfer (see (5 in FIG. 8). )). The transfer and notification of the account and the change of the database 21 may be pooled for a certain period of time and settled, for example, at the end of each month ((5) 'in Fig. 8).

Then, the access management server 2 notifies each of the securities companies A to (: of the determined change of the registration data of the database 21 ((6) in FIG. 8). The securities companies A to C notify the new transaction conditions to the access management server 2, and upon receiving this notification, the access management server 2 changes the contents of the database 21 and changes the transaction conditions. Is notified to user 1 ((7) in Fig. 8). After that, the access management server 2 notifies the user 1 and each of the securities companies A to C of predetermined items in order to confirm the final registration contents ((8) in FIG. 8), and executes a series of transaction processing. finish.

(Change account contents)

In this embodiment, the following procedure is used to change the contents of the actual account provided at securities company A. FIG. 9 is an explanatory diagram showing a procedure for changing the contents of an actual account.

First, when the account balance is changed, for example, by withdrawing from the real account, securities company A changes the contents of the real account ((1) in FIG. 9), and stores the changed account balance information. Notify access management server 2. Upon receiving this notification, the access management server 2 changes the registration data of the database 21 ((2) in FIG. 9).

After that, the access management server 2 notifies the securities companies A to C of the balance information changed in the database 21 ((3) in FIG. 9). Upon receiving this notification, each of the securities companies A to C notifies the access management server 2 of the transaction conditions according to the changed account balance, and upon receiving this notification, the access management server 2 Then, the contents of the database 21 are changed ((4) in FIG. 9). Next, the access management server 2 notifies the user 1 and each of the securities companies A to C of the specified items in order to confirm the final registration contents ((5) in FIG. 9). The change processing ends.

[Second Embodiment (Access Management Server Account Type)]

Next, a second embodiment of the present invention will be described. In the first embodiment described above, the real account is provided in the securities company A, but in the present embodiment, a case where the real account is provided in the access management server 2 will be described.

(Open a new customer account)

In the financial instrument transaction system according to the second embodiment, a new customer The following process is performed to open an account. FIG. 10 is an explanatory diagram showing a procedure of a new customer account opening process in the second embodiment.

First, the user 1 accesses the access management server 2 and performs an account opening procedure ((1) in FIG. 10). At this time, the access management server 2 requests the user 1 to declare a financial institution (securities company) with which the user 1 wishes to make a transaction. Here, the user 1 designates the securities companies A to C as the financial institutions wishing to do business. Upon receiving this report, the access management server 2 registers necessary information in the database 21.

In response to this declaration, the access management server 2 opens an account in the name of the user 1 and sends a confirmation to the user 11 to the access management server 2 that the account has been opened (see FIG. 10). (2)). Thereafter, the user 11 deposits money in the account of the access management server 2 and changes the registration data of the database 21 to register that the money has been paid ((3) in FIG. 10).

After opening an account and confirming payment in the access management server 2 in this way, the access management server 2 performs virtual account opening processing for each of the securities companies A to C. Specifically, the access management server 2 notifies the securities companies A to C of an account opening request and transfers necessary information and deposit information registered in the database 21 ((4) in FIG. 10). ). In response to this, each securities company A to C opens a virtual account and notifies the access management server 2 of information for confirming the virtual account and transaction conditions for the user 1 of each securities company A to C. . Upon receiving this notification, the access management server 2 changes the contents of the registration data of the database 21 in order to confirm the account opening and record the transaction conditions at each securities company ((5) in FIG. 10).

Thereafter, the access management server 2 notifies the user 1 and each of the securities companies A to C of predetermined items in order to confirm the final registration contents (FIG. 10 Middle (6)), end the new customer account opening process.

(Transaction by access management server account)

After User 1's account opening is completed as described above, securities trading is actually started. FIG. 11 is an explanatory diagram showing a procedure when a user 1 makes a transaction using a real account provided in the access management server 2. First, the user 1 accesses the access management server 2 and inputs the order details. At this time, the access management server 2 requests the user 1 to select a financial institution (securities company) used by the user 1 ((1) in FIG. 11). More specifically, the access management server 2 receives the Login of the user 1 and searches for information on the user 1 in the database 21 and the user 1 receives the account (real account and virtual account). Information on the securities companies that have, and the transaction conditions at each securities company, the balance in the actual account, etc. will be presented via the Internet 3 to prompt the user 1 to make a selection. Here, it is assumed that user 11 has selected securities company A as the financial institution to use. The access management server 2 that has received the selection of the securities company from the user 1 registers the order contents in the database 21 and temporarily registers the account balance information changed by the user 1 order in the database 21. . Along with this registration, the access management server 2 sends the order details to the securities company A selected by the user 1 ((2) in Fig. 11).

Thereafter, when the securities trading is completed at securities company A, securities company A sends a contract notice to access management server 2 and access management server 2 changes the balance of the real account. In addition, the access management server 2 that has received the contract notification changes the registration data of the database 21 in the provisional registration state so as to register the account balance confirmed by the contract ((3) in FIG. 11). .

The access management server 2 registers the registered data of the determined database 21, In other words, the balance in the real account is notified to each securities company A ~ (((4) in Fig. 11). In response to this notification, each securities company A ~ (: Notifying the management server 2 and receiving the notification, the access management server 2 changes the contents of the database 21 and notifies the user 1 of the changed transaction conditions (see FIG. 1 1 (5)).

Thereafter, the access management server 2 notifies the user 1 and the securities companies A to C of predetermined items to confirm the final registration contents ((6) in FIG. 11), and a series of transactions. The process ends.

[Third Embodiment (Comprehensive Financial Type)]

(Overall configuration of financial instrument transaction system)

Next, a third embodiment of the present invention will be described with reference to the drawings. In the above-described first embodiment, the real account is set up in securities company A, but in this embodiment, a case will be described in which the real account is a bank and the credit in each securities company is guaranteed by the funds in the bank.

(Open a new customer account)

In the financial instrument transaction system according to the third embodiment, the following processing is performed to open a new customer account. FIG. 12 is an explanatory diagram showing a procedure of a new customer account opening process in the third embodiment.

First, the user 1 accesses the access management server 2 and performs an account opening procedure ((1) in FIG. 12). At this time, the access management server 2 requests the user 1 to declare a financial institution (bank) with which the user 1 wishes to make a transaction and a financial institution (securities company) for opening an account. Here, User 1 designates securities companies A to C as the financial institutions wishing to trade, and Bank 4 as the financial institution for opening an account. In response to this report, the access management server 2 registers necessary information in the database 21. Next, the access management server 2 checks the funds with the bank 4, The confirmed contents are registered in the database 21 ((2) in Fig. 12).

In addition, the access management server 2 notifies each securities company A to C that the user 1 has requested the establishment of the virtual account ((3) in Fig. 12).

In response to this notification, each of the securities companies A to C opens an account in the name of the user 1 respectively, confirms the account opening to the access management server 2, and makes a transaction with each of the securities companies A to (: The access management server 2 that has received the confirmation and the notification of the transaction conditions transmits the confirmation that the account has been opened to the securities company A to (: and the transaction information at each securities company A to (: (1) Change the registration data in database 21 (1 in Fig. 12).

After that, the access management server 2 notifies the user 1 and each of the securities companies A to C of predetermined items in order to confirm the final registration contents ((5) in FIG. 12), and the new customer account The opening process ends.

(Resetting transaction conditions)

The following procedure is used to re-set the transaction conditions that have already been determined based on the registered asset information and transaction history of User 1. FIG. 13 is an explanatory diagram showing a procedure for resetting the transaction conditions.

First, the user 1 accesses the access management server 2 to set a registered asset and a financial institution, and also registers personal information for which disclosure is permitted. In response to this setting, the access management server 2 registers necessary information in the database 21 ((1) in FIG. 13).

Next, the access management server 2 checks the assets of each of the securities companies A to C and the bank 4, and registers the checked contents in the database 21 ((2) in FIG. 13). Then, the access management server 2 confirms that the user 1 is notified of personally disclosed information such as transaction history and assets ((3) in FIG. 13). After this confirmation, the access management server 2 notifies each securities company A to C of the personal public information of the user 1 ((4) in Fig. 13). In response to this notification, each securities company A- (: notifies the access management server 2 of the transaction conditions for the user 1 of each securities company A-C. In addition, the transaction conditions of each securities company A to C are transmitted to the user 11 and the registered data of the database 21 is changed to register new transaction conditions (see FIG. 13 ( Five) ) .

After that, the access management server 2 notifies the user 1 and each securities company A to (: (6 (6) in FIG. 13) of the predetermined items in order to confirm the final registration contents. The reset processing ends.

(Transactions with bank funds)

Next, a processing procedure when actually performing a securities transaction will be described. FIG. 14 is an explanatory diagram showing a procedure in the case where the user 11 makes a transaction using the funds in the bank.

First, the user 1 accesses the access management server 2 and inputs an order content. At this time, the access management server 2 requests the user 1 to select a financial institution (securities company) with which the user 1 wishes to make a transaction ((1) in FIG. 14). Specifically, the access management server 2 receives the login of the user 1, searches the information on the user 1 in the database 21, and the user 1 has an account (real account and virtual account). Information on the securities companies that are conducting the transaction, the terms and conditions of each securities company, and the balance in the actual account, etc., is presented via the Internet 3 to prompt the user 1 to make a selection. Here, it is assumed that user 11 has selected securities company A as the financial institution to use.

The access management server 2 that has received the selection of the securities company from the user 1 registers the order contents in the database 21 and receives the order from the user 1. A temporary change is made to the database 21 for the changed account balance information. Along with this provisional change, access management server 2 sends the order details to securities company A and bank 4 ((2) in Fig. 14).

Thereafter, when the trading of securities is completed at securities company A, securities company A sends a contract notice to access management server 2. On the other hand, upon receiving the contract notification, the access management server 2 changes the registered data of the database 21 which was in the provisionally changed state and registers the contract in order to register the account balance confirmed by the contract. To Bank 4. Upon receiving this notification, Bank 4 changes the account balance and transfers the account money to securities company A ((3) in Figure 14).

The access management server 2 notifies each of the securities companies A to (: of the determined registration date of the database 2 1, that is, the balance in the actual account of the bank 4 to each securities company A to (: In response to this notification, each securities company A- (: notifies the access management server 2 of new transaction conditions, and upon receiving this notification, the access management server 2 sends the database 21 The access management server 2 changes the content of the transaction and notifies the user 1 of the changed transaction conditions ((5) in Fig. 14). Is notified to the user 1, each securities company A to C and the bank 4 ((6) in FIG. 14), and a series of transaction processing is completed.

(Change account contents)

In the present embodiment, the contents of the actual account of the bank 4 are changed according to the following procedure. Figure 15 is an explanatory diagram showing the procedure for changing the contents of a bank account.

First, when the account balance is changed, for example, by depositing or withdrawing a bank account, the bank 4 changes the account contents ((1) in Fig. 15), and the changed Notify the access management server 2 of the account balance information. This message Upon receiving the notification, the access management server 2 changes the registered data in the database 21 ((2) in Fig. 15).

After that, the access management server 2 notifies the securities companies A to C of the balance information changed in the database 21 ((3) in FIG. 15). Each of the securities companies A to (: which have received this notification notifies the access management server 2 of the transaction conditions according to the changed account balance, and upon receiving this notification, the access management server 2 Change the content of evening base 21 ((4) in Fig. 15).

Next, the access management server 2 notifies the user 1, the securities companies A to C, and the bank 4 of predetermined items to confirm the final registration contents ((5) in FIG. 15), A series of account content change processing ends.

[Fourth embodiment]

(Overall configuration of translation system)

A fourth embodiment of the present invention will be described with reference to the drawings. FIG. 16 is a schematic configuration diagram illustrating the translation system according to the present embodiment.

The translation system according to the present embodiment provides translation services via the Internet 1, and as shown in FIG. 16 (a), a personal database storing dictionaries, settings, and history data unique to each user. 2a to 2c, a personal database management system 3 for managing these personal databases 2a to 2c, a translation management system 4 for managing the translation process of each user, and a main word dictionary. It includes a dictionary database 5, a translation engine 6 for performing translation processing, a fixed phrase database 7 for storing a fixed phrase main dictionary, and basic settings 8 for controlling the operation of the translation engine 6. Here, in the present embodiment, the Internet 1 is constructed by connecting general-purpose computers such as a personal computer and terminal devices such as portable terminals to each other via a telephone line, a dedicated line, a LAN, a wireless line, and the like. Communication network Work. The users A to C are requesters of the translation, and can access the translation system via the Internet 1 using the terminal device used by themselves.

As shown in Fig. 16 (b), the personal databases 2a to 2c consist of a personal dictionary database 2 1 (2 1a to 21 c) that stores words arbitrarily registered by individual users, and an individual A personal fixed phrase database 22 (22a to 22c) that stores fixed phrases arbitrarily registered by the user, and personal settings that preliminarily set frequently used specialized dictionaries and the like arbitrarily selected by each user.

2 2 (22 a to 22 c) and a personal history database 24 a (2) that records the history of technical dictionaries, words, fixed phrases, etc.

4a to 24c).

The personal database management system 3 acquires words, fixed phrases, and personal settings registered in each of the personal databases 2a to 2c, and sorts out duplicate words, fixed phrases, words that are used less frequently, and fixed phrases. The translation management system 4 is a system that reflects the arranged words and fixed phrases in the dictionary database 5 and fixed phrase database 7.The translation management system 4 uses the personal databases 2a to 2c to perform the translation processing. Words registered in personal dictionary database 2 1a ~ 2 1c, personal fixed phrase database 22a ~ 22c Fixed phrases registered in 22c, personal settings 2

The personal settings registered in 3a to 23c are acquired, transmitted to the translation engine 6, and the translation process unique to the user is reflected in the translation processing in the translation engine 6.

The dictionary database 5 is a database that stores general word dictionaries. In the present embodiment, the dictionary database 5 has a plurality of specialized dictionaries in each field.

The translation engine 6 performs translation processing of the original text data transmitted from each of the users A to C. The translation engine 6 obtains a user-specific personal dictionary, personal fixed phrases, and personal settings from the translation management system 4, Specialized dictionary used preferentially Then, translation is performed using dictionaries stored in the dictionary database 5 or the fixed phrase database 7. Words and personal settings not specifically set in the personal data bases 2a to 2c follow the settings of the basic setting 8. The fixed phrase database 7 is a database that stores a general fixed phrase dictionary. In the present embodiment, a plurality of specialized dictionaries in each field are provided. The basic setting 8 records the default settings for the usage settings of the dictionary database 5 and the fixed phrase database 7, and the translation engine 6 performs the processing for the items not set in the personal databases 2a to 2c. The translation process is performed using the settings of the basic setting 8.

(Initial use)

An initial use operation of the translation system having the above configuration will be described. FIG. 17 is an explanatory diagram schematically showing the initial use operation of the translation system in the present embodiment. Here, a case where user A uses the translation service will be described as an example.

In the case of initial use, since the personal database 2a of the user A is in the initial state, the personal database 2a is not used, and only the data stored in the dictionary database 5, the fixed phrase database 7 and the basic settings 8 are used. Translation processing will be performed.

First, the user A sends the original text data to be translated to the translation management system 4 via the Internet 1 and executes the translation request processing ((1) in FIG. 17). This transmission can be performed, for example, by transferring a text file.

The translation management system 4 receiving the original data passes the original data to the translation engine 6, which uses the data stored in the dictionary database 5, the fixed phrase data base 7, and the basic settings 8. Translation processing is performed ((2) in Fig. 17). After the completion of the translation process, the translation engine 6 sends the translation data as a translation result to the user A via the translation management system 4 to the user A ((3) in FIG. 17). The user A who received the translated text data reviews the contents of the translation result, and enters corrections of mistranslations and more appropriate expressions into the personal dictionary database 21a and personal fixed phrase database 22a. Record. When changing the use priority of the specialized dictionary, the priority is registered in the personal setting 23a. Further, at this time, in the personal database 2a, the search history of the dictionary used for correcting mistranslation and changing the expression is recorded in the personal history database 24a.

(Use after setting)

Next, the operation after the user-specific words, fixed phrases, and the priorities of technical dictionaries are registered (set) in the personal database 2a will be described. FIG. 18 is an explanatory diagram schematically showing the operation after the setting.

First, the user A sends the original text data to be translated to the personal database 2a via the Internet 1 and performs a translation request process. The personal data server 2a transmits the received original text data to the translation management system 4. Send it ((1) in Fig. 18).

Upon receiving the original data, the translation management system 4 passes the original data to the translation engine 6, and the translation engine 6 translates the data stored in the dictionary database 5, the fixed-form sentence database 7 and the basic settings 8, and The translation process is performed using the words, fixed phrases, and personal settings registered in the personal database 2a via the management system 4 ((2) in Fig. 18).

After the completion of the translation process, the translation engine 6 sends the translation data, which is the translation result, to the user A via the translation management system 4 ((3) in FIG. 18). At this time, the translation management system 4 registers the usage status of the personal database in the personal history database 24a. User A, who receives the translated sentence, reviews the contents of the translation result and corrects mistranslations and provides more appropriate expressions.Personal data base 2a Personal dictionary data 2a, personal fixed form Register in sentence database 2 2a. When changing the use priority of the specialized dictionary, the priority is registered in the personal setting 23a. Further, at this time, the search history of the dictionary used for correcting the mistranslation or changing the expression is recorded in the personal database 2a.

(Database integration)

Next, the database integration process will be described below. FIG. 19 is an explanatory diagram schematically showing the operation of the database integration process.

After performing the above-mentioned setting and use for a predetermined period, the data stored in each of the personal databases 2 a to 2 c is arranged and integrated, and the dictionary database 5 is updated. First, the personal database management system 3 accesses each personal database 2a to 2c, confirms the accumulation status of data in each personal database, and stores the updated data in the personal dictionary database 21a, Individuals are extracted from the fixed-form sentence data base 22a, and statistically arranged for the frequency and fields of use of these extracted data (Fig. 19 (1)).

This statistically organized data is compared with words and fixed phrases stored in the dictionary database 5 and fixed phrase database 7 to check for duplicate data ((2) in Fig. 19). Next, new words and fixed phrases are added to the dictionary database 5 and fixed phrase database 7 ((3) in Fig. 19).

Then, for the words and fixed phrases added to the dictionary database 5 and the fixed phrase database 7, the contents of the individual databases 2a to 2c are changed so as to be reflected in the individual databases 2a to 2c (FIG. 1). 9 (4)). (Change basic settings) Next, a process of changing the setting content of the basic setting 8 will be described. FIG. 20 is an explanatory diagram schematically showing a processing operation for changing the basic setting 8. As shown in the figure, after the history data is accumulated in the personal history databases 24a to 24c of the individual databases 2a to 2c by using the predetermined period, these history data are stored in the personal database management system 3. (1 in Fig. 20). At this time, the personal settings recorded in the personal settings 23a to 23c are also transmitted to the personal database management system 3. The personal database management system 3 analyzes the received history data and personal settings, ranks frequently used dictionaries, and transmits the results to the basic settings 8. In the basic setting 8, the setting is changed so that the dictionary used frequently is used preferentially.

(Effect of translation system)

According to the translation system having the configuration and operation described above, a common dictionary database 5 and fixed phrase database 7 are used for general translated words, so that a storage area for storing a dictionary of words and fixed phrases is reduced. In addition, users A- (: can translate the original text data using the words and fixed phrases translated individually in the personal data bases 2a to 2c. Translated data that appropriately reflects technical terms can be created.

Further, in the translation system according to the present embodiment, words and fixed phrases registered in the personal databases 2 a to 2 c are transferred to the dictionary database 5 and the fixed phrase database 7 via the personal database management system 3. By reflecting this in multiple words, new words, fixed phrases, and more appropriate translations can be shared by multiple users, and the translation accuracy of the entire system can be improved.

Further, in the translation system according to the present embodiment, the personal history database The usage history of the specialized dictionaries used by each user is recorded in 24a to 24c, and the translation process should be performed with priority given to the most frequently used specialized dictionaries from the usage history during translation processing. This allows appropriate translations specific to a particular field, such as technical terms, to be applied appropriately, and translations that meet the needs of individual users.

Further, in this embodiment, the personal database management system 3 acquires personal histories from each personal history 24a to 24c and grasps a specialized dictionary that each user preferentially uses. By updating the use priority order of the word dictionary and the fixed phrase dictionary in the overnight base 5 and the fixed phrase dictionary in the evening base 7, the translation accuracy in the entire system can be improved.

(Example of change)

The following changes can be made to the translation system in the embodiment described above.

For example, the translation system according to the above-described embodiment can be incorporated in a part of a financial product transaction system. In other words, the financial instruments trading system trades financial instruments such as securities and stocks via the Internet. As part of the services provided by this financial instruments trading system, news and reports abroad are sent to e-mail. Some of them are distributed by other means. According to this service, users can know the status of overseas transactions by reading e-mail.

Then, the translation system according to the present modified example translates news and reports written in a foreign language distributed by e-mail or the like into a native language in the financial product transaction system as described above, and allows a user to translate overseas information. It is used to help get it more quickly and easily.

In this case, the following functions can be further added. For example, in a financial instruments trading system, It is important to understand whether you are interested in such industries or fields.However, by translating the overseas news and reports mentioned above, the personal histories stored in each personal database 2a to 2c, etc. By analyzing personal settings, it is possible to detect the order of dictionaries frequently used by users and priority dictionaries set by users, and to guess the fields and industries in which they are interested. Wear. This process can be easily performed by detecting the priority set in the basic setting 8 and collecting statistics of the personal settings recorded in each personal setting 23a to 23c. .

That is, as described in the basic setting change process (FIG. 20), the history data of the personal data bases 2a to 2c is periodically extracted and reflected in the use priority order of the main dictionary. Therefore, by examining the use priority of this dictionary, it is possible to identify the type of business or field that the user is paying attention to.

[Fifth Embodiment]

A fifth embodiment of the present invention will be described with reference to the drawings. FIG. 21 is a schematic configuration diagram illustrating the financial instrument transaction system according to the present embodiment. In this embodiment, the financial product transaction system described in the first to third embodiments and the translation system described in the fourth embodiment are both provided.

That is, in the financial instrument transaction system according to the present embodiment, as shown in FIG. 21, securities companies A to C are set up on the Internet, and the securities companies A to C An access management server 2 is installed to perform trade order operations.

The access management server 2 has the same functions as those described in the first to fourth embodiments. That is, the access management server 2 is installed on the Internet 1 similarly to the first to third embodiments. Then, it accepts access from users and relays trading order operations for securities companies A to C. Trading order processing section 22, credit guarantee information acquisition / notification section 23, and securities company selection section 2 4, a transaction condition presentation means 25, a service providing unit 26, and a personal database management system 27.

In addition, as in the fourth embodiment, the access management server 2 includes personal databases 21 a to 21 c for storing dictionaries, settings, and history data unique to each user, and personal databases 21 a to 21 c. 1 A personal database management system 13 that manages c, a translation management system 14 that manages translation processing for each user, a dictionary database 15 that stores the main dictionary for words, and a translation that performs translation processing An engine 16, a fixed phrase database 17 for storing a fixed phrase main dictionary, and basic settings 18 for controlling the operation of the translation engine 16 are provided.

The personal databases 21 a to 21 c have the same configuration as that described in the fourth embodiment. However, as personal settings 123 a to l 23 c, credit guarantee information and Trading conditions are also accumulated.

In addition, the service providing unit 126 in the present embodiment provides various services through a web page as described in the above embodiment, and provides a translation service in conjunction with the financial product transaction service. I do.

According to this embodiment, the user can easily translate necessary information when trading overseas financial products. In addition, the access management server 2 can analyze the personal database of the user to find out what kind of events and fields the user is interested in. Can be predicted. Industrial applicability As described above, according to the financial instrument transaction system and the financial instrument transaction method of the present invention, it is possible to select a more appropriate financial instrument trading company or financial institution in a transaction of a financial instrument conducted through a network. Expenses such as commissions can be reduced.

In addition, according to the financial product trading system and the financial product trading method of the present invention, by using a plurality of financial product trading companies on the Internet, it is possible to easily cope with an accident such as a system down. It is possible to create a consumer-driven market (buyer market) by increasing the customer's choice of financial instruments trading companies and increasing customer liquidity. .

According to the translation system of another invention, in a translation system that provides a translation service to a plurality of users by using a network, the preference of each user can be accurately reflected. It is possible to perform a more accurate translation by selecting a specialized dictionary according to the field or category to which the user belongs.

Claims

The scope of the claims

1. A method for trading financial products through a network constructed by connecting terminals to each other via communication lines,

A plurality of financial instruments trading companies that represent financial instruments trading business such as buying and selling of financial instruments such as securities through the network are installed,

An access management server that presents transaction conditions of the plurality of financial instrument trading companies and performs a trading order operation on an arbitrary financial instrument trading company selected by an accessor is installed on the network;

The accessor makes a transaction with any financial product trading company via the access management server.

A method for trading financial products, characterized in that:

2. A method for trading financial products through a network constructed by connecting terminals to each other via communication lines,

An access management server for performing a transaction order operation for an arbitrary financial product trading company selected by an accessor is installed on the network, and the plurality of financial product trading companies are other financial product trading companies or financial instruments. The access management server approves the credit guarantee of the accessor at the function as its own credit guarantee. The credit guarantee information of the accessor at

A method for trading financial products, characterized in that:

3. A system for trading financial products through a network constructed by connecting terminals to each other via communication lines, Presents the transaction conditions of a plurality of financial instrument trading companies that are installed on the network and represent financial instrument trading businesses such as trading of financial instruments, and trade with any financial instrument trading company selected by the accessor. A financial product transaction system comprising an access management server for performing order operations.

4. A system for trading financial products through a network constructed by connecting terminals to each other via communication lines,

An access management server installed on the network for performing a trading order operation with respect to an arbitrary financial product trading company selected by an accessor;

The access management server, when performing a trading order operation with the selected arbitrary financial product trading company, notifies the credit guarantee information of the accessor at another financial product trading company or financial institution. Financial products trading system.

5. A system for trading financial products through a network constructed by connecting terminals to each other via communication lines,

Presents the transaction conditions of a plurality of financial instruments trading companies that are installed on the Internet and represent financial instruments trading business such as buying and selling of financial instruments, and provide any financial instruments trading companies selected by the accessor Has an access management server that performs transaction order operations,

This access management server

A shared database that stores common words, fixed phrases, etc .; a plurality of personal databases, where multiple users register arbitrary words, fixed phrases, etc.

A translation engine for generating translation data from original text data using the shared data while reflecting information registered in the personal database; A financial product transaction system comprising:

6. In the financial instrument transaction system according to claim 5,

A financial product transaction system comprising personal database management means for organizing and integrating words and fixed phrases registered in the plurality of personal databases and reflecting the words and fixed phrases in the shared database.

7. In the financial instrument transaction system according to claim 6,

The shared database has a plurality of specialized dictionaries,

The financial product transaction system according to claim 1, wherein the personal database includes means for recording a use history of the plurality of specialized dictionaries.

8. In the financial instrument transaction system according to claim 7,

Setting means for setting use priorities of the plurality of specialized dictionaries, the setting means acquiring and analyzing the use history recorded in each of the personal databases, and reflecting the analysis result. A financial instrument transaction system having a function of updating the use priority. 9. In the financial instrument transaction system according to claim 5,

The shared database has a plurality of specialized dictionaries,

10. In the financial instrument transaction system according to claim 9,

Setting means for setting use priorities of the plurality of specialized dictionaries, the setting means acquiring and analyzing the use history recorded in each of the personal databases, and reflecting the analysis result. A financial instrument transaction system having a function of updating the use priority.

1 1. A translation system using a network constructed by connecting terminals to each other via communication lines.

A shared database that stores common words and fixed phrases, A plurality of personal databases in which a plurality of users register arbitrary words, fixed phrases, etc., respectively,

A translation engine that generates translated text data from original text data using the shared database while reflecting the information registered in the personal database.

A translation system comprising:

1 2. In the translation system according to claim 11,

A translation system comprising personal database management means for organizing and integrating words and fixed phrases registered in the plurality of personal databases and reflecting the words and fixed phrases in the shared database.

1 3. In the translation system according to claim 12,

The shared database has a plurality of specialized dictionaries,

The translation system, characterized in that the personal database includes means for recording usage histories of the plurality of specialized dictionaries.

1 4. In the translation system according to claim 13,

Setting means for setting use priorities of the plurality of specialized dictionaries, wherein the setting means obtains and analyzes the use history recorded in each of the personal databases, and reflects the analysis result. A translation system having a function of updating the use priority.

1 5. In the translation system according to claim 14,

The personal database has a personal setting function of setting a priority order of a professional dictionary arbitrarily selected by a user,

The financial product transaction system according to claim 1, wherein said setting means has a function of acquiring personal settings recorded in each of said personal databases and obtaining statistics of a specialized dictionary selected by each user.

1 6. In the financial instrument transaction system according to claim 13, The personal database has a personal setting function of setting a priority order of a professional dictionary arbitrarily selected by a user,

1 7. In the translation system according to claim 11,

The shared database has a plurality of specialized dictionaries,

18. In the translation system according to claim 17,

Setting means for setting use priorities of the plurality of specialized dictionaries, the setting means acquiring and analyzing the use history recorded in each of the personal databases, and reflecting the analysis result. A translation system having a function of updating the use priority.

1 9. In the translation system according to claim 18,

The personal database has a personal setting function of setting a priority order of a specialized dictionary arbitrarily selected by a user,

The translation system, characterized in that the setting means has a function of acquiring personal settings recorded in each of the personal databases and collecting statistics of a specialized dictionary selected by each user.

20. In the translation system according to claim 17,