JP2000148837A - Stock transaction processing method utilizing electronic stock certificate - Google Patents

Abstract

PROBLEM TO BE SOLVED: To facilitate efficient stock transaction processing by moving electronized stock certificates through a network and forwarding each transaction processing based on the electronic stock certificates. SOLUTION: A stock certificate issuing agent server 2 prepares an electronic stock certificate in response to a stock certificate issuing request from an investor client 1, registers information including the stock certificate information and user ID in a stockholder list data base 16, and transmits the prepared electronic stock certificate 11 to the client 1. The client 1 transmits a selling order to a stock exchange market server 3 together with the certificate 11 at the time of making the selling order. The server 3 settles a transaction by collating the selling order with a buying order and transmits a stock transfer request containing the selling user ID and buying user ID to the issuing agent server 2 by annexing the received electronic stock certificate 11. The server 11 changes the selling user ID in the stockholder list data base 16 to the buying user ID.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing method for a system for trading stocks via a network using electronic stock certificates.

[0002]

2. Description of the Related Art In recent years, commercial transactions using the Internet have become popular. By using a network such as the Internet, customers who receive services can select services to be provided without being bound by geographical restrictions, and dealers that provide services also go beyond geographical restrictions. It is possible to expand the customer base.

[0003] In stock trading, the use of the Internet has become popular. Securities companies have begun accepting order information on the Internet, and using the network to expand their customer base,
Computerization of stock transactions can reduce paperwork. However, on the other hand, stock certificates that mark shares use watermark technology to prevent counterfeiting, and are still processed on paper, and are currently inefficient compared to order information processing. It is. In general, a share certificate is a security that requires the transfer of the security in order to exercise or transfer the rights stated in the securities.It issuance of new shares, transfer of ownership of shares, and transfer of ownership when trading. When moving, the stock certificate must be moved. Therefore, in the case of the current paper-based stock certificate, in each of these transactions, it is necessary to transfer the stock certificate by mail or the like, or to pay a fee to a securities company to deposit the stock certificate and outsource the business procedure.

[0004]

In the above-mentioned prior art, an inefficient operation occurs because it is necessary to move a paper-based stock certificate during stock trading. Therefore, it is an object to digitize the stock certificate and move the digitized stock certificate through a network to improve the efficiency of processes such as issuing new stock, buying and selling stock, and renaming stock. However, distribution of digitized stock certificates on the network causes security-related problems such as eavesdropping, falsification, spoofing, and double use by copying.

[0005] It is an object of the present invention to provide a transaction processing method for performing the above-mentioned stock transaction via a network using an electronic stock certificate.

[0006] Another object of the present invention is to address security problems associated with stock transactions using electronic stock certificates.

[0007]

According to the present invention, in response to a request from an investor client, an electronic stock certificate having stock certificate information digitized by an issuing proxy server is created, and the stock certificate information and shareholder information are created. Register the information indicating the correspondence with the identifier in the database and send the created electronic stock certificate to the investor client, and send the electronic stock certificate selling order request and the electronic stock certificate saved in the storage device to the exchange server by the investor client. Then, after verifying the electronic stock certificate received by the exchange server, the sell order request is matched with another buy order request to complete the transaction, and received as a transfer request having the identifier of the seller shareholder and the identifier of the buyer shareholder. After sending the attached electronic share certificate to the issuing agent server and verifying the electronic share certificate received by the issuing agent server, And wherein the processing method of stock trading by an electronic stock certificates available to change the appropriate seller shareholders of the identifier in the identifier of the buyer shareholders.

Further, according to the present invention, when transmitting an electronic stock certificate,
A digital signature based on the certificate of the transmission source is sent to the transmission destination, and the transmission destination verifies the digital signature, thereby solving problems such as falsification and spoofing of the electronic stock certificate. Further, when the sales transaction is established, the correspondence between the identifier of the electronic stock certificate corresponding to the sell order request and the identifier of the shareholder is invalidated on a database storing information indicating the correspondence between the identifier of the electronic stock certificate and the identifier of the shareholder. This processing can prevent double use of the electronic stock certificate by copying.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below in detail with reference to the drawings.

(1) Schematic Configuration FIG. 1 is a configuration diagram of a transaction processing system using electronic stock certificates according to the present embodiment. The system includes a certificate authority server 5, an investor client 1, an issuing agent server 2, an exchange server 3,
It comprises a settlement server 4 and a network 9 such as the Internet for interconnecting these devices. The certificate authority server 5 includes a certificate database 29 for storing the contents of the certificate, and is a program for issuing a certificate to the investor client 1, the issuing agent server 2, and the exchange server 3 as a certificate issuing process. It is a computer having a unit 30.

The investor client 1 has a storage device for storing the electronic stock certificate 11, and includes a stock certificate issue request processing unit 12, an order request processing unit 13, a name change request processing unit 14, and an account inquiry processing unit 15 as main programs. Computer. The stock certificate issuance request processing unit 12 requests the issuing proxy server 2 to issue or reissue the electronic stock certificate 11, and receives the issued or reissued electronic stock certificate 11. The order request processing unit 13 transmits a request for a sell order or a buy order to the exchange server 3 and receives a transaction result. The transfer request processing unit 14 requests the transfer of the electronic stock certificate 11 transferred from another investor client 1 to the issuing agent server 2. The account inquiry processing unit 15 inquires the status of the account to the settlement server 4 as a result of the settlement.

The issuing proxy server 2 stores a shareholder registry database 16 and a shareholder name transfer history list 17 on a storage device.
And the main program is an electronic stock issuance processing unit 1
8. Name change processing unit 19 and electronic stock certificate reissue processing unit 20
Is a computer having The shareholder registry database 16
The contents information and the information about the shareholders of the valid electronic stock certificate 11 are stored. The shareholder name transfer history list 17 records information about the electronic stock certificate 11 determined as a result of the name transfer and its owner. The electronic stock certificate issuance processing unit 18 updates a corresponding record in the shareholder register database 16 or adds a new record in response to a stock certificate issuance request from the investor client 1, and transfers the created electronic stock certificate 11 to the investor client 1. Send to Name transfer processing unit 19
Updates the corresponding record in the shareholder register database 16 in response to the transfer request from the exchange server 3 or the investor client 1, and records the transfer history in the transfer name history list 17. Electronic stock reissue processing unit 2
0 updates the corresponding record in the shareholder registry database 16 in response to the request for reissuing the electronic stock certificate from the investor client 1, and transmits the reissued electronic stock certificate 11 to the investor client 1. The electronic stock issuance processing unit 18
The program of the name change processing unit 19 or the electronic stock certificate reissue processing unit 20 is stored in a storage medium, and is read into the memory of the issuing agent server 2 via a driving device connected to the issuing agent server 2, or is otherwise. Can be transferred to the memory of the issuing agent server 2 via a driving device, another computer, or a network connected to the computer, and executed by the issuing agent server 2.

The exchange server 3 stores a stock certificate ID on a storage device.
The computer includes a list 21 and an order matching list 22, and has an order reception processing unit 23, an order matching processing unit 24, and a transaction completion processing unit 25 as main programs. The stock certificate ID list 21 is a database storing a list of valid stock certificates 11 of stock certificates. The order matching list 22 stores information on a pair of a sell order and a buy order for which a transaction has been established. Order reception processing part 2
3 receives an order request from the investor client 1,
Electronic stock certificate 11 attached with reference to the stock certificate ID list 21
Check if is valid. Order matching processing unit 24
Registers in the order matching list 22 a set of orders that have been traded by matching the sell order and the buy order. In addition, the order matching processing unit 24 requests the issuing agent server 2 to change the name. The transaction completion processing unit 25 notifies the investor client 1 of the completion of the transaction for the order whose name transfer has been completed. The program of the order reception processing unit 23, the order matching processing unit 24, or the transaction completion processing unit 25 is stored in a storage medium, and is read into the memory of the exchange server 3 via a driving device connected to the exchange server 3. , Or a driving device connected to another computer, another computer, or a network, and can be transferred to the memory of the exchange server 3 and executed by the exchange server 3.

The settlement server 4 is a computer having a settlement account database 26 on a storage device and having an inter-account settlement processing unit 27 and an account inquiry response processing unit 28 as main programs. The settlement account database 26 has a record for storing account information, deposits, withdrawals, balances, and the like for the investor client 1 to be subscribed. Account settlement processor 2
7 performs settlement between accounts in response to a settlement request from the exchange server 3, and updates the corresponding account record in the settlement account database 26. The account inquiry response processing unit 28 responds to the account inquiry from the investor client 1 by referring to the settlement account database 26 and information of the corresponding account record.

FIG. 2 is a diagram showing information exchanged between the devices and transactions related to the devices. Transactions related to the devices are divided into four phases: a stock issue phase, a trade phase, a transfer phase, and a stock reissue phase. Prior to the transaction, the investor client 1, the issuing agent server 2, and the exchange server 3 make a certificate issuance request to the certificate authority server 5, and obtain the respective certificates.

In the share issuance phase, the issuance agent server 2 issues and issues the electronic share certificate 11 in response to a share certificate issuance request from the investor client 1 in accordance with a solicitation of a new share issuance performed on the Internet by the company. The correspondence between the stock ID of the electronic stock certificate 11 and the user ID is transmitted to the exchange server 3 as a stock ID list.

In the sales transaction phase, the exchange server 3
Responds to the order request from the investor client 1 to match the sell order and the buy order to establish a transaction, and requests the issuing proxy server 2 to change the name of the shareholder. It also requests the settlement server 4 for settlement between accounts.

In the name transfer phase, in accordance with the transfer of the electronic stock certificate 11 from the transfer source investor client 1 to the transfer destination investor client 1, the transfer destination investor client 1 requests the name transfer request to the issuing agent server 2. And sends the new stock certificate ID list 21 to the exchange server 3.

When an investor loses the electronic stock certificate 11 or splits and integrates the number of shares described in the electronic stock certificate 11, the re-issue of the stock certificate is performed. In the stock certificate reissue phase, the investor client 1 issues a stock certificate reissue request to the issuing proxy server 2, and the issuing proxy server 2 performs a process of reissuing the electronic stock certificate 11.

(2) Stock Certificate Issuance Phase FIG. 3 is a diagram showing an outline of a processing procedure in the stock certificate issuance phase. First, investor client 1,
The issuing agent server 2 and the exchange server 3 each transmit a certificate issuance request to the certificate authority server 5. Upon receiving this request, the certificate issuance processing unit 30 of the certificate authority server 5 examines the requester based on the content of the certificate issuance request, registers the content in the certificate database 29, and performs digital signature. The certificate 31 is transmitted to the requester. The method of screening by financial institutions is already known. Each requester saves the received certificate 31.

Next, the share certificate issuance request processing unit 12 of the investor client 1 executes a WWW (World Wide Web).
After agreeing to the issuance conditions of the shares presented by the issuance agent server 2 by, for example, etc., the share certificate issuance request 32 is transmitted to the issuance agent server 2. At this time, a digital signature is issued to the stock certificate issuance request 32 using the certificate 31 obtained from the certificate authority server 5. This digital signature prevents the spoofing and denial of the investor client 1. In response to the share certificate issuance request 32, the electronic share certificate issuance processing unit 18 of the issuance agent server 2 performs an electronic share certificate issuance process, applies the digital signature of the issuing company to the created electronic share certificate 11, and transmits it to the investor client 1. I do. In the present embodiment, it is assumed that the digital signature of the issuing proxy server 2 is the digital signature of the issuing company. The stock certificate issuance request processing unit 12 of the investor client 1 saves the received electronic stock certificate 11 on a storage device. By presenting the electronic stock certificate 11, the investor client 1 can exercise shareholder rights and can prevent short selling when submitting a sell order to the exchange server 3.

Next, the electronic share certificate issuance processing section 18 registers the issued electronic share certificate 11 and information on its shareholders in the shareholder registry database 16. The issuance agent server 2 periodically creates a stock certificate ID list 21 indicating the correspondence between the stock certificate ID and the user ID for all currently valid electronic stock certificates 11 by referring to the shareholder registry database 16 and adds a digital signature to the list. And sends it to the exchange server 3. Exchange server 3
Saves the received stock certificate ID list 21 in the storage device.

FIG. 4 is a diagram showing a data structure of the certificate 31. This example is based on X. This is a certificate format conforming to 509. The certificate 31 contains public key information for decrypting a digitally signed message or document.

FIG. 5 is a diagram showing a data example of the stock certificate issuance request 32. The entire stock certificate issuance request 32 is encrypted (digitally signed) with the private key of the investor client 1.
The account information is encrypted with the public key of the settlement server 4.
The certificate 31 of the investor client 1 is issued to the share certificate issuing request 32
Can be attached.

FIG. 6 is a diagram showing a data structure of the electronic stock certificate 11. The stock certificate number corresponds to the conventional stock certificate number. The stock certificate ID is an identifier of the stock certificate adopted by the present invention, and has a one-to-one correspondence with the stock certificate number, but is changed to another ID whenever the name of the electronic stock certificate 11 is changed. The “issuing company signature algorithm” is a signature algorithm used when a digital signature is issued by the issuing agent server 2 to the electronic stock certificate 11.

FIG. 7 is a diagram showing a data structure of each record constituting the shareholder register database 16. Data is issued or renamed electronic stock certificate 11, share certificate issuance request 32
And so on. “Issuance conditions, etc.” are the issuance conditions, etc. incidental to the stock, such as the conditions at the time of sale of the stock.

FIG. 8 is a diagram showing the data structure of the stock certificate ID list 21. In the stock certificate ID list 21, a plurality of correspondences between stock certificate IDs and user IDs of the current owner are arranged.

FIG. 9 is a flow chart showing the flow of processing of the electronic stock certificate issuing processing section 18 of the issuing proxy server 2. The electronic share certificate issuance processing unit 18 is used for investor client 1
When the share certificate issuance request 32 is received from (step 51),
The digital certificate is verified by decrypting the stock certificate issuance request 32 with the public key of the investor client 1 (step 52). Generally, a method of verifying a digital signature is known.
If the verification is not successful (step 53 NO), an error is notified to the investor client 1 (step 54). If the verification is successful (step 53 YES), the stock certificate issuance request 3
The content of the certificate 2 is checked to see if it violates the "certificate policy" of the certificate 31 of the investor client 1 (step 55). If there is a problem (Step 56N
O), an error is notified to the investor client 1 (step 57). If there is no problem (step 56 YES), a new stock certificate ID is numbered and the electronic stock certificate 11 is created (step 58). Next, the information of the electronic stock certificate 11 and the shareholders is registered in the shareholder registry database 16 (step 59), and the created electronic stock certificate 11 is digitally signed by the issuing company and transmitted to the investor client 1 (step 60).

FIG. 10 shows the stock certificate ID of the issuing proxy server 2.
It is a flowchart which shows the flow of a list preparation process. The issuance agent server 2 acquires information such as a stock certificate ID for the currently valid electronic stock certificate from the shareholder registry database 16 (step 61), creates a stock certificate ID list 21 (step 62), and The digital signature-signed stock certificate ID list 21 is sent to the exchange server 3 (step 63).

(3) Trading Transaction Phase FIG. 11 is a diagram showing an outline of a processing procedure of the trading transaction phase. The order request processing unit 13 of the investor client 1 transmits the digitally signed order request 33 to the exchange server 3. At this time, the investor client 1 transmitting the selling order can prevent short selling by an investor who does not own the stock by attaching the acquired electronic stock certificate 11. The electronic stock certificate 11 to be sent has been digitally signed by the investor client 1. The order reception processing unit 23 of the exchange server 3 that has received the order request 33 performs the order reception processing, and transmits an order reception response 34 with the digital signature of the exchange server 3 to the investor client 1 as a result. After receiving the order reception response 34, the investor client 1 verifies the digital signature and stores the “order reception number” included in the order reception response 34. By referring to the “order reception number”, the investor client 1 can inquire of the exchange server 3 about the execution status of the order.

The order matching processing section 24 of the exchange server 3 that has completed the order receiving processing performs order matching processing for matching the sell order and the buy order of the investor client 1. The result of the order matching is registered in the order matching list 22. In addition, the stock certificate ID of the traded stock
Is deleted from the stock certificate ID list 21. At the end of the order matching process, the order matching processing unit 24 sends the order request 3
3 and the corresponding information on the order matching list 22 to create a shareholder name transfer request 35,
And sends it to the issuing agent server 2. At this time, the electronic stock certificate 11 attached to the selling order is attached and transmitted.

Upon receiving the shareholder name change request 35, the name change processing unit 19 of the issuing proxy server 2 performs a shareholder name change process in order to make the change of the shareholder effective in the books, and performs a name change process on the shareholder list database 16. Is updated, and the transfer history is recorded in the shareholder transfer history list 17. Finally, the name transfer processing unit 19 creates a shareholder name transfer response 36 from the result of the name transfer process, applies the digital signature of the issuing proxy server 2, and transmits the digital signature to the exchange server 3.

The transaction completion processing unit 25 of the exchange server 3 that has received the shareholder name rewriting response 36 sends the old stock certificate ID and the user I
The correspondence of D is deleted from the stock certificate ID list 21, and the correspondence between the new stock certificate ID and the user ID is added to the stock certificate ID list 21. Further, the corresponding order is deleted from the order matching list 22. Next, transaction completion notification 37 with digital signature
Is transmitted to the investor client 1. In addition, a payment request 3 digitally signed to settle the transaction.
8 to the settlement server 4. The inter-account settlement processing unit 27 of the settlement server 4 refers to the settlement account database 26,
Perform settlement processing between accounts. Investor Client 1
By presenting the transaction completion notification 37 with the digital signature of the exchange server 3 to the settlement server 4, the payment server 4 can exercise the right to acquire funds.

The investor client 1 receiving the transaction completion notification 37 from the exchange server 3 verifies the digital signature of the transaction completion notification 37, and notifies the investor of the transaction result if the verification is successful. Thereafter, the share certificate issuance request processing unit 12 of the investor client 1 that has requested the buy order creates a share certificate issuance request 39 based on the contents of the transaction completion notification 37, gives a digital signature, and transmits the digital signature to the issuance agent server 2. I do. The electronic share certificate issuance processing unit 18 of the issuing proxy server 2 that has received the share certificate issuance request 39 performs an electronic share certificate issuance process, applies the digital signature of the issuing company to the created electronic share certificate 11, and transmits the digital signature 11 to the investor client 1. . The stock certificate issuance request processing unit 12 stores the received electronic stock certificate 11 on a storage device.

FIG. 12 is a diagram showing the data structure of the order request 33. In the case of a sell order, the number of “stock certificate IDs” corresponding to the “order quantity” is included. “Payment account information” is information encrypted with the public key of the payment server 4.

FIG. 13 is a diagram showing a data structure of the order reception response 34. As shown in FIG. The “hash value of the order request” is a hash value of the corresponding order request 33, and the investor client 1 calculates the hash value of the order request 33 and compares the hash value with the hash value of the order request 33 to determine the content of the order request 33. Can be confirmed that has not been tampered with.

FIG. 14 is a diagram showing a data structure of the order matching list 22. As shown in FIG. Order matching list 22
Is a list that summarizes information on sell orders and buy orders that have been traded.

FIG. 15 is a diagram showing a data structure of the shareholder name transfer request 35. The shareholder name transfer request 35 is information corresponding to the corresponding record in the order matching list 22 and includes information on the order matching list 22 and information on the order request 33.

FIG. 16 is a diagram showing the data structure of the shareholder name transfer history list 17. Shareholder name transfer history list 1
Each record 7 corresponds to the corresponding shareholder name transfer request 35 and records the history of name change of the corresponding record on the shareholder registry database 16.

FIG. 17 is a diagram showing the data structure of the shareholder name rewrite response 36. The shareholder name transfer response 36 is a response to the corresponding shareholder name change request 35, and includes a stock certificate ID newly assigned to the old stock certificate ID in the shareholder name change request 35. "Hash value of shareholder name transfer request"
The hash value of the corresponding shareholder name transfer request 35 is obtained, and the exchange server 3 calculates the hash value of the shareholder name change request 35 and compares the hash value with the hash value, whereby the content of the shareholder name change request 35 is falsified. You can confirm that it is not.

FIG. 18 shows the data structure of the transaction completion notification 37. The transaction completion notification 37 includes the content of the transaction completion and the “name transfer number” quoted when issuing a share certificate to the issuing agent server 2.

FIG. 19 is a diagram showing a data structure of the settlement request 38. The account number included in the settlement request 38 is encrypted with the public key of the settlement server 4.

FIG. 20 is a diagram showing a data structure of the stock certificate issuance request 39. The share certificate issuance request 39 includes the name change number assigned by the issuance agent server 2 and information to be added to the shareholder registry database 16. The account information is encrypted with the public key of the settlement server 4.

FIGS. 21A and 21B show the exchange server 3
5 is a flowchart showing a flow of a process of an order reception processing unit 23 of FIG. Upon receiving the order request 33 (step 71), the order reception processing unit 23 decrypts the received order request 33 and the electronic stock certificate 11 attached to the sell order with the public keys of the investor client 1 and the issuing agent server 2. To verify the digital signature (step 72). If the verification is not successful (step 73 NO), an error is notified to the investor client 1 (step 74). If the verification is successful (YES in step 73), the "expiration date of the electronic stock certificate" and the "restriction on transfer of stock" of the electronic stock certificate 11 are checked to confirm that they are not violated (steps 75-77).
Next, it is confirmed that it does not exceed the range of the "certificate policy" of the certificate 31 of the investor client 1 attached to the order request 33 or acquired at another occasion (steps 78-80). In case of any error, an error notification is sent.

Turning next to FIG. 21b, the "user ID" of the electronic stock certificate 11 attached to the case of a sell order and the certificate 3
It is checked whether the “user IDs” of No. 1 are equal (steps 81 to 83). This check can prevent unauthorized use of the electronic stock certificate 11 by other investors. Next, referring to the stock certificate ID list 21, it is checked that the same stock certificate ID as the user ID of the electronic stock certificate 11 and the correspondence of the user ID exist in the stock certificate ID list 21 (step 84).
-86). This check is a check for confirming that the electronic stock certificate 11 is a currently valid stock certificate. When the above reception processing is completed normally, the order reception processing unit 2
3 assigns an order reception number to the order (step 87) and registers it in an unexecuted order queue. In addition, the order reception response 34 is created, digitally signed, and transmitted to the investor client 1 (step 88).

FIG. 22 is a flowchart showing the flow of the processing of the order matching processing section 24. The order matching processing unit 24 matches the sell order and the buy order extracted from the unexecuted order queue (step 91), and establishes a transaction. Next, an order matching number is assigned to a pair of a sell order and a buy order that have been traded (step 9).
2) The order matching information including the order matching number is registered in the order matching list 22 (step 9).
3). Next, the user ID corresponding to the stock certificate ID to be matched with the order is deleted from the stock certificate ID list 21 (step 94). It should be noted that the correspondence may be invalidated generally including deletion. As a result, it is possible to reject a selling order by presenting the electronic copy 11 of the illegal copy. Next, the order matching processing unit 24 creates a shareholder name transfer request 35 from the corresponding information on the order request 33 and the order matching list 22, digitally signs the electronic share certificate 11 attached thereto, and applies the digital signature to the issuing proxy server 2. (Step 95).

FIG. 23A and FIG. 23B are flow charts showing the flow of processing of the name change processing unit 19 of the issuing proxy server 2. Upon receiving the shareholder transfer request 35 (step 101), the transfer controller 19 decrypts the shareholder transfer request 35 and verifies the digital signature of the shareholder transfer request 35 (steps 102-104). Next, the electronic stock certificate 11 is decrypted and the digital signature of the electronic stock certificate 11 is verified (steps 105-107). Verification of the electronic stock certificate 11 is performed using the public keys of the exchange server 3 and the issuing agent server 2. When these verifications are successful, it is confirmed that the share certificate ID and the number of shares in the shareholder name transfer request 35 match the share certificate ID and the number of the electronic share certificates 11 (steps 108 to 110). Next, it is confirmed that the stock certificate ID and the user ID described in the electronic stock certificate 11 match the stock certificate ID and the user ID of the stock certificate stored in the shareholder registry database 16 (steps 111 to 113). Thus, it is confirmed that the electronic stock certificate 11 is valid on the shareholder registry database 16, that is, that the name of the stock has not changed.

Turning next to FIG. 23b, the received electronic stock certificate 1
The record corresponding to the first share certificate ID is deleted or invalidated from the shareholder registry database 16 (step 114), a new share certificate ID is assigned (step 115), and a new record is obtained from the new share certificate ID and the information of the shareholder name transfer request 35. Is created and added to the shareholder registry database 16 (step 116). The "stock name", "stock certificate number" and "issue condition" can be transcribed from the invalidated record. “User ID” is the user ID of the buyer. At this point, the “payout method” is not stored yet.
Next, a transfer name is assigned (step 117), and a new record is added to the shareholder transfer history list 17 (step 118). Finally, a shareholder name rewriting response 36 is created, digitally signed, and transmitted to the exchange server 3 (step 119). The error notification is also transmitted to the exchange server 3 as the shareholder name rewrite response 36.

FIG. 24 is a flowchart showing the flow of the processing of the transaction completion processing section 25. Transaction completion processing unit 25
Receives the shareholder name rewrite response 36 (step 12
1), the shareholder name transfer response 36 is decrypted, and the digital signature of the shareholder name transfer response 36 is verified (step 122-1).
24). If this verification is successful, the shareholder name transfer response 3
6 is a notification of normal completion or an error notification (step 125). If normal completion (step 126YE
S), the correspondence between the received new stock certificate ID and the user ID is added to the stock certificate ID list 21 (step 127).
The user ID is the user ID of the buyer of the shareholder name transfer request 35 corresponding to the shareholder name transfer response 36. Next, the corresponding order matching information having the old stock certificate ID is deleted from the order matching list 22 (step 128). Next, a transaction completion notice 37 with a digital signature is transmitted to the investor client 1 (step 129). Finally, the settlement request 38 is transmitted to the settlement server 4 (step 13)
0). Account information is applicable client's order request 33
Obtained from If an error notification is received as the shareholder name transfer response 36 (step 126 NO), the buy order request is returned to the unexecuted order queue (queue in the waiting state) (step 131), and the electronic client certificate 1 is transmitted to the seller's investor client 1. 11 is invalid (step 1)
32).

FIG. 25 is a flowchart showing the flow of processing of the electronic stock certificate issuing processing unit 18 of the issuing proxy server 2. Stock certificate issuance request processing unit 12 of investor client 1
Transmits a share certificate issuance request 39 with a digital signature including the numbered transfer number to the issuance agent server 2.
When receiving the share certificate issuance request 39 (step 141), the electronic share certificate issuance processing unit 18 decrypts the share certificate issuance request 39,
The digital signature of the share certificate issuance request 39 is verified (steps 142 to 144). If the verification is successful, the shareholder name transfer history list 17 is searched using the "name change number" in the share certificate issuance request 39 as a key (step 145), and it is determined whether there is a record having the same name change number. (Step 146). In this determination, if the user ID in the certificate 31 attached to the share certificate issuance request 39 does not match the “buyer's user ID” in the record, it is not determined that the user exists. If it does not exist (step 146 NO), an error notification is transmitted to the investor client 1 (step 14).
7). If there is (step 146 YES), the information to be added to the shareholder registry database 16 such as the “dividend transfer method” from the share certificate issuance request 39 is included in the shareholder registry database 1.
6 is added to the corresponding record (step 148).
The corresponding record in the shareholder registry database 16 is searched by the stock certificate ID of the referenced record in the shareholder name transfer history list 17. Next, the shareholder registry database 16
The electronic stock certificate 11 is created based on the applicable record (step 149), digitally signed and transmitted to the investor client 1 (step 150).

(4) Name Rewriting Phase FIG. 26 is a diagram showing an outline of the processing procedure of the name rewriting phase. The investor client 1 of the stock transfer source gives a digital signature using the certificate 31 owned by the electronic share certificate 11 to be stored, and the investor client 1 and the certificate 31 of the issuing agent server 2 together with the investor of the stock transfer destination. The data is transmitted to the client 1 using a means such as e-mail. The transferee investor client 1 verifies the signature in the order of verification by the transferor's investor client 1 and verification by the certificate 31 of the issuing proxy server 2. In this way, the transferor's digital signature is given to the electronic stock certificate 11 and the transferee's investor client 1 that has received the digital signature verifies the signature, thereby preventing the transferor's investor from denying.

When the verification is successful, the name change request processing unit 14 of the transferee investor client 1 sends the name change request 4
1 is digitally signed and transmitted to the issuing proxy server 2. At this time, an electronic stock certificate 11 with a digital signature of the investor client 1 of the transfer source is also attached. Upon receiving the transfer request 41, the transfer processing unit 19 verifies the digital signature of the transfer request 41 and the digital signature of the electronic stock certificate 11 as in the process of the shareholder transfer request 35 received from the exchange server 3. Then, the contents of the transfer request 41 are checked, and the user ID of the electronic stock certificate 11 is compared with the user ID of the corresponding record on the shareholder registry database 16. Electronic stock certificate 1
The verification of 1 is the certificate 3 of the transferor's investor client 1.
1 and the certificate 31 of the issuing agent server 2.
If these checks are passed, the corresponding record having the same stock certificate ID on the shareholder registry database 16 is invalidated, a new stock certificate ID is assigned, and the shareholder registry database 1 is assigned.
6. A record having a new stock ID is added to 6. Next, a transfer number is assigned, and a new record is added to the shareholder transfer history list 17. Finally, the name transfer response 42 to which the digital signature of the issuing proxy server 2 has been applied is transmitted to the transferee client 1. This name change response 42
Contains the assigned transfer number.

The share certificate issuance request processing unit 12 of the transferee investor client 1 performs the digital signature signed share certificate issuance request 4
3 is transmitted to the issuing proxy server 2. Share certificate issuance request 43
Is the same as that of the share certificate issuance request 39. The electronic share certificate issuance processing unit 18 of the issuance agent server 2 issues a share certificate issuance request 39
As in the case of receiving the certificate, the digital signature of the share certificate issuance request 43 is verified, and the existence of the record in the shareholder name transfer history list 17 is checked. The information of the request 43 is added, the electronic stock certificate 11 is created, a digital signature of the issuing company is given, and the digital certificate is transmitted to the transferee client 1.
Thereafter, the issuing proxy server 2 stores the shareholder registry database 1
6, a stock certificate ID list 21 is created, digitally signed, and transmitted to the exchange server 3.

FIG. 27 is a diagram showing the data structure of the name change request 41. The user ID is a user ID of a share transfer destination.

(5) Stock Certificate Reissue Phase FIG. 28 is a diagram showing an outline of a processing procedure of the stock certificate reissue phase. The investor client 1 sends a digitally signed owned stock inquiry request 44 to the issuing agent server 2. The held stock inquiry request 44 includes the user ID of the investor client 1, the brand name of the currently registered stock, the number of stocks,
Inquiry contents such as issued electronic stock certificates 11 are included. After receiving the holding stock inquiry request 44 and verifying the digital signature of the holding stock inquiry request 44, the issuing agent server 2 searches the shareholder registry database 16 using the designated user ID as a key, and returns a response regarding the inquiry contents. Inquiry response 45 with information created and digitally signed by issuing agent server 2
Is transmitted to the investor client 1.

The stock certificate issuance request processing unit 12 of the investor client 1 makes a stock certificate reissue request 46 based on the response information.
Is created, digitally signed, and transmitted to the issuing proxy server 2. The electronic stock certificate reissue processing unit 20 of the issuing proxy server 2 verifies the digital signature of the stock certificate reissue request 46 using the certificate 31 of the investor client 1, and then uses the user ID as a key to store the shareholder registry database 16 Search and
It is checked whether there is any problem in the contents of the stock certificate reissue request 46. If there is no problem, a new stock certificate ID is assigned and the shareholder register database 16 is updated. Finally, a new electronic stock certificate 11 is created based on the contents of the shareholder registry database 16,
A digital signature of the issuing proxy server 2 is given and transmitted to the investor client 1.

FIG. 29 shows the data structure of the stock certificate reissue request 46. The stock certificate reissue request 46 includes the user ID
And reissue request content.

According to the above embodiment, the digital certificate 11 is digitally signed with the certificate 31 of the issuing company and the certificate 31 of the owner, and the issuing agent server 2 and the exchange that have received the digital certificate 11 Since the server 3 verifies the digital signature, it is possible to guarantee that the electronic stock certificate 11 has been issued by the issuing company and prevent the electronic stock certificate 11 from being falsified. In addition, the issuing agent server 2 and the exchange server 3 that have received the electronic stock certificate 11 confirm that the electronic stock certificate 11 received with reference to the shareholder registry database 16 and the stock certificate ID list 21 is valid, and that the electronic stock certificate Check that it is 11.

Also, since all requests and their responses transmitted between the investor client 1, the issuing agent server 2, the exchange server 3, and the settlement server 4 are digitally signed, the recipient can use the digital signature. Can be verified, and a match of the user ID can be checked to confirm that the user is a valid communication partner. For example, even when a third party impersonates the legitimate investor client 1 and makes a request such as a stock certificate issuance request 32, an order request 33, or a transfer request 41, an unauthorized request can be made by verifying a digital signature applied to these requests. Can be eliminated. Further, falsification of transmission information can be prevented by a digital signature applied to a request or a response. Further, by obtaining the hash value of the request information and returning the hash value in the response, falsification of the request information can be prevented.

The electronic stock certificate 1 is included in the order request 33 of the sell order.
1 to prevent short-selling, and by attaching the electronic stock certificate 11 to the shareholder name change request 35 and the name change request 41, it is confirmed that the transfer of the electronic share certificate is legal. Further, the validity of the stock certificate issuing request 39 and the stock certificate issuing request 43 is confirmed by the transfer name and the digital signature.

The exchange server 3 stores the valid electronic stock certificate 1
The correspondence between the stock certificate ID and the user ID in 1 is the stock certificate ID list 2
1 and the issuing proxy server 2 saves it in the shareholder register database 16. Stock certificate ID according to shareholder name change
The record having the corresponding stock certificate ID in the list 21 and the shareholder register database 16 is invalidated, a new stock certificate ID is assigned, and the correspondence with the new user ID is set in the stock certificate ID list 2.
By storing the electronic stock certificate 11 in the copy 1 and in the shareholder registry database 16, double use of the electronic stock certificate 11 by copying is prevented.

When the investor client 1 makes an order request 33 to the exchange server 3, when the transfer source investor client 1 presents the electronic stock certificate 11 to the transfer destination investor client 1, the transfer destination investor client 1 The digital signature applied when the transfer request 41 is issued to the issuing proxy server 2 can prevent denial of the request source.

[0063]

As described above, according to the present invention, the electronic stock certificate is moved via the network, and each transaction process is performed based on the electronic stock certificate. Can be resolved and transaction processing can be made more efficient. In addition, the issuing agent server allows a company to issue stock certificates without going through a securities company, and enables investors to submit orders directly to exchanges. Since security measures are taken as described above, various frauds can be prevented, and secure transaction processing can be performed.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a system according to an embodiment.

FIG. 2 is a diagram showing a transaction between respective devices of the embodiment.

FIG. 3 is a diagram illustrating an outline of a processing procedure of a stock certificate issuing phase of the embodiment.

FIG. 4 is a data configuration diagram of a certificate 31 of the embodiment.

FIG. 5 is a diagram illustrating a data example of a stock certificate issuance request 32 according to the embodiment.

FIG. 6 is a data configuration diagram of the electronic stock certificate 11 of the embodiment.

FIG. 7 is a diagram showing a data configuration of each record of a shareholder register database 16 of the embodiment.

FIG. 8 is a diagram showing a data configuration of a stock certificate ID list 21 of the embodiment.

FIG. 9 is a flowchart showing a processing flow of an electronic stock certificate issuance processing unit 18 of the embodiment.

FIG. 10 is a flowchart showing the flow of a stock certificate ID list creation process of the embodiment.

FIG. 11 is a diagram illustrating an outline of a processing procedure of a sales transaction phase according to the embodiment.

FIG. 12 is a diagram illustrating a data configuration of an order request 33 according to the embodiment.

FIG. 13 is a diagram illustrating a data configuration of an order reception response according to the embodiment.

FIG. 14 is a diagram illustrating a data configuration of an order matching list 22 according to the embodiment.

FIG. 15 is a diagram showing a data configuration of a shareholder name renewal request 35 of the embodiment.

FIG. 16 is a diagram showing a data structure of a shareholder name transfer history list 17 of the embodiment.

FIG. 17 is a diagram showing a data structure of a shareholder name rewrite response according to the embodiment.

FIG. 18 is a diagram illustrating a data configuration of a transaction completion notification 37 according to the embodiment.

FIG. 19 is a diagram illustrating a data configuration of a settlement request 38 according to the embodiment.

FIG. 20 is a diagram showing a data configuration of a stock certificate issuance request 39 of the embodiment.

FIG. 21A is a flowchart illustrating a flow of processing of an order reception processing unit 23 according to the embodiment.

FIG. 21B is a flowchart (continued) illustrating the flow of the process of the order reception processing unit 23 of the embodiment.

FIG. 22 is a flowchart illustrating a flow of processing of an order matching processing unit 24 according to the embodiment.

FIG. 23A is a flowchart illustrating a flow of processing of a name rewriting processing unit 19 according to the embodiment.

FIG. 23B is a flowchart (continued) showing the flow of the process of the name change processing unit 19 of the embodiment.

FIG. 24 is a flowchart showing a processing flow of a transaction completion processing unit 25 of the embodiment.

FIG. 25 is a flowchart showing a processing flow of an electronic stock certificate issuance processing unit 18 of the embodiment.

FIG. 26 is a diagram schematically illustrating a processing procedure of a name rewriting phase of the embodiment.

FIG. 27 is a diagram illustrating a data configuration of a transfer request 41 according to the embodiment.

FIG. 28 is a diagram schematically illustrating a procedure of a stock certificate reissuing phase of the embodiment.

FIG. 29 is a diagram showing a data structure of a stock certificate reissue request 46 of the embodiment.

[Explanation of symbols]

1: Investor client 2: Issuer agent server 3:
Exchange server, 11: Electronic stock certificate, 16: Shareholder register database, 17: Shareholder transfer history list, 18: Electronic share certificate issue processing unit, 19: Name transfer processing unit, 20: Electronic share certificate reissue processing unit, 21: Share certificate ID list, 22: Order matching list, 23: Order reception processing unit, 24: Order matching processing unit, 25: Transaction completion processing unit

 ──────────────────────────────────────────────────の Continued on the front page (72) Inventor Kiyoshi Watanabe 890 Kashimada, Saiwai-ku, Kawasaki-shi, Kanagawa Prefecture Inside the Hitachi, Ltd.System Development Division (72) Tomoya Toyama Inventor 890 Kashimada, Saiwai-ku, Kawasaki-shi, Kanagawa Hitachi, Ltd. In the System Development Division of the Works (72) Inventor Hikaru Morita 890 Kashimada, Saiwai-ku, Kawasaki-shi, Kanagawa Prefecture Incorporated in the System Development Division of Hitachi, Ltd. (72) Yoshiaki Kawaren 890, Kashimada, Sai-ku, Kawasaki-shi, Kanagawa System, Ltd. F-term in the Development Division (reference) 5B049 AA05 AA06 BB47 CC05 CC08 CC08 EE28 GG04 GG10

Claims (5)

[Claims] 1. An electronic stock certificate having stock certificate information digitized by an issuing proxy server in response to a request from an investor client, and information indicating a correspondence between the stock certificate information and a shareholder identifier is stored in a database. And sends the created electronic stock certificate to the investor client. The investor client sends the sell order request for the electronic stock certificate and the electronic stock certificate stored in the storage device to the exchange server. After verifying the electronic share certificate received by the electronic share certificate, the sell order request is matched with another buy order request to make a transaction, and the electronic share certificate received in the transfer request having the identifier of the seller shareholder and the identifier of the buyer shareholder is obtained. Attached to the issuing agent server, and after verifying the electronic share certificate received by the issuing agent server, Processing method of stock trading by an electronic share certificates use, characterized in that to change the seller shareholder of the identifier to the identifier of the buyer shareholders. 2. The method according to claim 1, wherein when the electronic stock certificate is transmitted, a digital signature based on a certificate of a transmission source is given and the digital signature is transmitted to a transmission destination. 3. A program stored in a computer-readable storage medium, wherein the program combines a buy order matching a sell order of the electronic stock certificate based on an electronic stock certificate having digitized stock certificate information. A program for processing, including the following steps: (a) when receiving a sell order request and the electronic share certificate from outside, verifying the electronic share certificate, and comparing the electronic share certificate identifier with the shareholder identifier; (B) determining whether or not the correspondence between the sell order request, the identifier of the share certificate obtained from the electronic share certificate, and the identifier of the shareholder is registered in the database with reference to a database storing information indicating the correspondence; If the correspondence is registered, it is determined to be valid, and the sell order request is matched with another buy order request to complete the transaction. 4. The program according to claim 3, wherein when the transaction is completed, the correspondence between the identifier of the electronic stock certificate corresponding to the selling order request and the identifier of the shareholder is invalidated on the database. Storage medium for storing. 5. A program stored in a computer-readable storage medium, the program performing a process of changing the name of the electronic stock certificate based on the electronic stock certificate having digitized stock certificate information. (A) Upon receiving a transfer request and the electronic share certificate from the outside, after verifying the electronic share certificate, store information indicating a correspondence between the share certificate identifier of the electronic share certificate and the identifier of the shareholder. It is determined whether or not the correspondence between the transfer request, the identifier of the share certificate obtained from the electronic share certificate and the identifier of the shareholder is registered in the database, and (b) if the correspondence is registered Change the identifier of the shareholder in the database to the identifier of the new shareholder.