KR102337236B1 - Apparatus and device for loans collateralized with unlisted stocks - Google Patents

Abstract

Provided, in one embodiment of the present disclosure, are an over-the-counter stock transaction support device that transmits the over-the-counter stock evaluation information comprising the quantity information for the over-the-counter stock and the transaction information for over-the-counter stock, a loan screening server that determines a loanable amount and a loan amount based on the over-the-counter stock evaluation information, and an operating method thereof. Therefore, the present invention is capable of efficiently using the over-the-counter stocks as collateral to facilitate the loan process.

Description

Apparatus and method for OTC stock collateral loan

Embodiments of the present disclosure relate to an apparatus and method for performing a loan secured by over-the-counter stocks.

Today, stock-backed loans are mainly conducted on listed stocks, and loans using unlisted stocks as collateral are not active. This is because, compared to listed stocks, unlisted stocks have low liquidity and are difficult to value. Although some loans are secured by unlisted stocks, loans using unlisted stocks as collateral are difficult to evaluate compared to listed stocks. As this progresses, there is a problem in that the loanable amount is set low. In addition, there is a problem in that the interest rate of the over-the-counter stock collateral loan is set high because liquidity is low compared to listed stocks, making it difficult to collect principal and interest.

An embodiment of the present disclosure is to provide an apparatus and method for supporting a loan service using over-the-counter stocks as collateral.

An embodiment of the present disclosure may provide an apparatus and method for supporting a loan service secured by over-the-counter stocks.

As a technical means for achieving the above-described technical problem, an embodiment of the present disclosure includes a memory and at least one processor that executes one or more instructions stored in the memory, wherein the at least one processor is an over-the-counter stock obtains over-the-counter stock collateral loan request information including the item name of Receive balance information corresponding to the item name of the user account from the company server, determine quantity information for the OTC stock based on the balance information, and for the OTC stock including price information for the OTC stock generate transaction information, transmit over-the-counter stock evaluation information including quantity information on the over-the-counter stock and transaction information on the over-the-counter stock, receive over-the-counter stock collateral loan approval information from the loan review server, and receive the over-the-counter stock collateral Based on the loan approval information, a lock request for at least a portion of the OTC stocks present in the user account is transmitted to the securities company server, or a transfer request for at least a portion of the OTC stocks present in the user account is sent to the user terminal. transmitting, receiving lock completion information or transfer completion information from at least one of the securities company server or the user terminal, and transmitting a loan payment request to the loan examination server based on the lock completion information or the transfer completion information , it is possible to provide an over-the-counter stock trading support device.

In one embodiment, the transaction information for the over-the-counter stock may provide an over-the-counter stock transaction support device, which is generated based on the transaction processing details for the over-the-counter stock performed by the over-the-counter stock transaction support device.

In an embodiment, the over-the-counter stock evaluation information may provide an over-the-counter stock transaction support device further comprising information on a company corresponding to the over-the-counter stock.

In an embodiment, the at least one processor receives the OTC stock collateral loan request information from at least one of the user terminal or the loan review server, and the OTC stock collateral loan request information includes a user identifier or a loan request amount It is possible to provide an over-the-counter stock transaction support device further comprising at least one of.

In one embodiment, the transaction information for the over-the-counter stock includes the transaction execution price information of the over-the-counter stock, the price change information of the over-the-counter stock, the transaction volume information of the over-the-counter stock, information on the number of transactions of the over-the-counter stock, and the number of transactions of the over-the-counter stock It is possible to provide an over-the-counter stock transaction support device including at least one of the transaction request information.

In one embodiment, the at least one processor is configured to: an average value of execution prices of transactions concluded for a specific period in relation to the OTC stock, a median value of execution prices of transactions concluded during the specific period, Based on at least one of a weighted average value taking into account the execution quantity of transactions, a weighted median value taking into account the execution quantity of transactions executed during the specific period, or the minimum value of the execution price of transactions executed during the specific period, for the over-the-counter stock It is possible to provide an over-the-counter stock trading support device that determines price information.

In one embodiment, the over-the-counter stock collateral loan approval information includes information indicating the quantity of the over-the-counter stock corresponding to the loan amount, and the at least one processor is configured to provide the securities company server with the loan amount corresponding to the loan amount. It is possible to provide an over-the-counter stock transaction support device that transmits a lock request for the quantity of OTC stocks or transmits a transfer request for the quantity of OTC stocks corresponding to the loan amount to the user terminal.

In an embodiment, the at least one processor receives a counter sale request for the over-the-counter stock from the loan review server, performs a counter sale on the over-the-counter stock based on the counter sale request, and performs a counter sale It is possible to provide an over-the-counter stock transaction support device that transfers at least a portion of the price to the loan review device.

In an embodiment, the counter sale request includes information indicating an outstanding loan amount, and the at least one processor determines whether the counter sale price exceeds the outstanding loan amount, and the counter sale price is It is possible to provide an over-the-counter stock transaction support device that transfers the remaining amount obtained by subtracting the unrecovered loan from the counter sale price to the user account based on determining that the unrecovered loan amount is exceeded.

In an embodiment, the counter trading may provide an over-the-counter stock trading support device, which is performed in a counter-trading manner by the over-the-counter stock trading support device.

One embodiment of the present disclosure includes a memory, and at least one processor executing one or more instructions stored in the memory, wherein the at least one processor includes OTC stock mortgage loan request information including the item name of the OTC stock , and from the OTC stock trading support device, transaction information for the OTC stock including price information for the over-the-counter stock and over-the-counter stock evaluation information including quantity information on the OTC stock existing in the user account is received, , based on the over-the-counter stock collateral loan request information and the over-the-counter stock evaluation information, determine a loanable amount, determine a loan amount that is less than or equal to the loanable amount, and based on the loan amount, the over-the-counter stock transaction It is possible to provide a loan review server that transmits OTC stock collateral loan approval information to a support device, receives a loan payment request from the OTC stock transaction support device, and performs loan payment processing based on the loan payment request .

In one embodiment, the transaction information for the over-the-counter stock may provide a loan review server, which is generated based on the transaction processing details for the over-the-counter stock performed by the device for supporting the over-the-counter stock transaction.

In one embodiment, the over-the-counter stock evaluation information may provide a loan examination server, further comprising information on a company corresponding to the over-the-counter stock.

In an embodiment, the at least one processor determines a collateral recognition ratio (LTV, Loan to Value) and the evaluation price of the OTC stock based on the OTC stock evaluation information, and sets the loanable amount to LTV × ( It is possible to provide a loan review server, which is determined by the determined evaluation price of the over-the-counter stock) × (the number of the over-the-counter stocks present in the user account).

In an embodiment, the at least one processor may provide a loan review server that receives the over-the-counter stock evaluation information as an input and determines the loanable amount through an operation through a neural network.

In an embodiment, the at least one processor receives OTC stock collateral loan request information from at least one of a user terminal or the OTC stock transaction support device, and the OTC stock collateral loan request information includes a user identifier or a desired loan amount It is possible to provide a loan examination server, further comprising at least one of.

In one embodiment, the information on the over-the-counter stock includes information on the transaction execution price of the over-the-counter stock, information on the price change of the over-the-counter stock, information on the trading volume of the over-the-counter stock, information on the number of transactions of the over-the-counter stock, and the transaction of the over-the-counter stock It may provide a loan review server, including at least one of the request information.

In one embodiment, the price information of the over-the-counter stock may include an average value of execution prices of transactions concluded for a specific period in relation to the over-the-counter stock, a median value of execution prices of transactions concluded during the specific period, and execution during the specific period. Including a reference price determined based on at least one of a weighted average value taking into account the execution quantity of the transactions executed, a weighted median value taking into account the execution quantity of transactions executed during the specific period, or the minimum value of the execution price of transactions executed during the specified period which may provide a loan review server.

In one embodiment, the over-the-counter stock collateral loan approval information, including information indicating the quantity of the over-the-counter stock corresponding to the loan amount, may provide a loan review server.

In one embodiment, the at least one processor identifies a loan non-collection event, and based on the loan non-collection event, transmits a counter sale request for the over-the-counter stock to the over-the-counter stock transaction support device, and a counter sale It is possible to provide a loan review server, receiving at least a portion of the payment.

In one embodiment, the counter-trading price may provide a loan review server, which is obtained by performing counter-trading in a counter-trading manner by the over-the-counter stock transaction support device.

An embodiment of the present disclosure provides a method of operating an OTC stock transaction support device, comprising the steps of: obtaining OTC stock collateral loan request information including an item name of an OTC stock; Based on the OTC stock collateral loan request information, a stock Transmitting a request for checking the balance of the OTC stock corresponding to the stock name to a company server, receiving balance information corresponding to the stock name of the user account from the securities company server, and the over-the-counter based on the balance information Determining quantity information on stocks, generating transaction information for the over-the-counter stock including price information on the over-the-counter stock, including quantity information on the over-the-counter stock and transaction information on the over-the-counter stock Transmitting over-the-counter stock evaluation information, receiving over-the-counter stock collateral loan approval information from a loan review server, and based on the over-the-counter stock collateral loan approval information, to the securities company server at least Transmitting a lock request for a portion or transmitting a transfer request for at least a portion of the over-the-counter stocks present in the user account to a user terminal, lock completion information or transfer completion from at least one of the securities company server or the user terminal It is possible to provide a method, comprising: receiving information; and transmitting a loan payment request to the loan examination server based on the lock completion information or the transfer completion information.

An embodiment of the present disclosure provides a method of operating a loan review server, the steps of obtaining over-the-counter stock collateral loan request information including the item name of the over-the-counter stock, and price information for the over-the-counter stock from an OTC stock transaction support device receiving over-the-counter stock valuation information including transaction information on the over-the-counter stocks and quantity information on the over-the-counter stocks present in a user's account; based on the over-the-counter stock collateral loan request information and the over-the-counter stock valuation information , determining a loanable amount, determining a loan amount that is less than or equal to the loanable amount, based on the loan amount, transmitting OTC stock collateral loan approval information to the OTC stock transaction support device, the It is possible to provide a method, comprising the steps of receiving a loan payment request from the OTC stock transaction support device, and performing loan payment processing based on the loan payment request.

An embodiment of the present disclosure includes a program stored in a recording medium to execute the method according to an embodiment of the present disclosure in a computer.

An embodiment of the present disclosure includes a computer-readable recording medium in which a program for executing the method according to an embodiment of the present disclosure in a computer is recorded.

An embodiment of the present disclosure includes a computer-readable recording medium recording a database used in an embodiment of the present disclosure.

An embodiment of the present disclosure provides an apparatus and method for supporting a loan service using over-the-counter stocks as collateral, so that a loan process can be efficiently performed with over-the-counter stocks as collateral.

In addition, an embodiment of the present disclosure provides an apparatus and method for supporting a loan service using over-the-counter stocks as collateral, so that principal and interest can be efficiently recovered.

1 is a flowchart illustrating a method for a user terminal to receive an over-the-counter stock security loan according to an embodiment of the present disclosure.
2 is a flowchart illustrating a method for a loan examination server to receive an outstanding loan amount according to an embodiment of the present disclosure.
3 is a diagram illustrating a method for a loan examination server to determine a loanable amount according to an embodiment of the present disclosure.
4 is a diagram illustrating a method for a loan examination server to determine a loanable amount using artificial intelligence according to an embodiment of the present disclosure.
FIG. 5 is a diagram illustrating a method for the OTC stock transaction support apparatus according to an embodiment of the present disclosure to perform counterpart trading in order to recover an unrecovered loan.
6 is a diagram illustrating a method for an OTC stock transaction support apparatus to determine a reference price based on transaction data according to an embodiment of the present disclosure.
7 is a block diagram of an over-the-counter stock transaction support apparatus according to an embodiment of the present disclosure.
8 is a block diagram of a loan review server according to an embodiment of the present disclosure.

An embodiment of the present disclosure will be described in detail with reference to the accompanying drawings in order to clarify the technical spirit of the present disclosure. In describing the present disclosure, if it is determined that a detailed description of a related well-known function or component may unnecessarily obscure the subject matter of the present disclosure, the detailed description thereof will be omitted. Elements having substantially the same functional configuration in the drawings are given the same reference numbers and reference numerals as much as possible even though they are shown in different drawings. For convenience of explanation, if necessary, the device and method will be described together. Each operation of the present disclosure does not necessarily have to be performed in the order described, and may be performed in parallel, selectively, or individually.

The terms used in the embodiments of the present disclosure have been selected as currently widely used general terms as possible while considering the functions of the present disclosure, but this may vary depending on the intention or precedent of a person skilled in the art, the emergence of new technology, etc. . In addition, in a specific case, there is a term arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the description of the corresponding embodiment. Therefore, the terms used in this specification should be defined based on the meaning of the term and the contents of the present disclosure, rather than the simple name of the term.

Throughout this disclosure, the singular expression may include the plural expression unless the context clearly dictates otherwise. Terms such as “comprise” or “have” are intended to designate the presence of a feature, number, step, action, component, part, or combination thereof, but include one or more other features or number, step, action, configuration It should be understood that the possibility of the presence or addition of elements, parts or combinations thereof is not precluded in advance. That is, when a part "includes" a certain component throughout the present disclosure, it means that other components may be further included, rather than excluding other components, unless otherwise specifically stated.

An expression such as "at least one" modifies the entire list of elements, not individually modifies the elements of the list. For example, "at least one of A, B, and C" and "at least one of A, B, or C" means only A, only B, only C, both A and B, both B and C, A and C All refer to A, B, and C as a whole, or a combination thereof.

In addition, terms such as "... unit", "... module", etc. described in the present disclosure mean a unit that processes at least one function or operation, which is implemented in hardware or software, or is a combination of hardware and software. can be implemented.

Throughout the present disclosure, when a part is "connected" with another part, this includes not only the case of being "directly connected" but also the case of being "electrically connected" with another element interposed therebetween. do. Also, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated.

The expression “configured to (or configured to)” used throughout the present disclosure is, depending on the context, for example, “suitable for”, “having the capacity to )", "designed to", "adapted to", "made to", or "capable of" . The term “configured (or configured to)” may not necessarily mean only “specifically designed to” in hardware. Instead, in some contexts, the expression “a system configured to” may mean that the system is “capable of” with other devices or components. For example, the phrase "a processor configured (or configured to perform) A, B, and C" refers to a dedicated processor (eg, an embedded processor) for performing the operations, or by executing one or more software programs stored in memory; It may refer to a generic-purpose processor (eg, a CPU or an application processor) capable of performing corresponding operations.

Throughout the present disclosure, a terminal or terminal may include a user equipment (UE), a mobile station (MS), a cellular phone, a smart phone, a computer, or a multimedia system capable of performing a communication function. Of course, it is not limited to the above example.

An embodiment of the present disclosure is to provide a user terminal, an over-the-counter stock transaction support device, a securities company server, a loan review server, and an operating method thereof. Throughout this disclosure, an apparatus may include a server, and a server may be referred to as an apparatus, or an apparatus may be referred to as a server. Throughout the present disclosure, the over-the-counter stock transaction support device, the securities company server, and the loan examination server may be different devices, may be devices operated by different processors in one device, and may be any one device or server may include other devices or servers.

Throughout the present disclosure, a user account may mean an account held by a user. Throughout this disclosure, over-the-counter stocks are stocks traded over the counter and may include unlisted stocks.

In the context of this disclosure, transfer processing refers to the act of moving cash, stocks, etc. from one account to another account. It may include a case of requesting a transfer between accounts from a third party such as a company server.

1 is a flowchart illustrating a method for a user terminal to receive an over-the-counter stock security loan according to an embodiment of the present disclosure.

Referring to FIG. 1 , a case in which a user wants to receive a loan using an over-the-counter stock held as collateral is shown. In the case of unlisted stocks, it is difficult to evaluate stock collateral because there is no market price, so only stocks designated by the loan review server can be used as collateral, or methods such as evaluating the company itself have been used. Therefore, in most cases, the over-the-counter stock-secured loan secured by unlisted stocks was used for the purpose of obtaining loans by collateralizing stocks for business purposes by major shareholders or special persons of corporate managers. However, today, as access to unlisted stocks has become easier for small investors, there is a need for a method of providing loan services to various over-the-counter stock holders, including small investors, using over-the-counter stocks as collateral. An embodiment of the present disclosure is to provide a loan service with a high collateral recognition rate by facilitating the evaluation of collateral by providing the over-the-counter stock evaluation information to the loan review server by the over-the-counter stock transaction support device.

In operation 110 , the user terminal 101 may transmit OTC stock collateral loan request information to the OTC stock transaction support device 103 . In one embodiment, the user terminal 101 may transmit the OTC stock collateral loan request information including the item name of the OTC stock to the OTC stock transaction support device 103 . In addition, the over-the-counter stock transaction support device 103 transmits the over-the-counter stock collateral loan request information received from the user terminal 101 to the loan review server 107, or loan request information corresponding to the received over-the-counter stock collateral loan request information can be transmitted.

Alternatively, in another embodiment, the user terminal 101 may transmit the OTC stock collateral loan request information including the item name of the OTC stock to the loan review server 107 . In one embodiment, the loan review server 107 transmits the OTC stock collateral loan request information received from the user terminal 101 to the OTC stock transaction support device 103, or corresponds to the received OTC stock collateral loan request information Loan request information can be transmitted.

That is, the over-the-counter stock transaction support device 103 receives over-the-counter stock collateral loan request information from at least one of the user terminal 101 or the loan review server 107 in obtaining the over-the-counter stock collateral loan request information, or In this way, it is possible to obtain information about requesting an over-the-counter stock collateral loan. In addition, the loan review server 107 receives OTC stock collateral loan request information from at least one of the user terminal 101 or the OTC stock transaction support device 103 in obtaining the OTC stock collateral loan request information, or other In this way, it is possible to obtain information about requesting an over-the-counter stock collateral loan.

In one embodiment, the OTC stock collateral loan request information includes the item name of the OTC stock, the user identifier, the loan desired amount corresponding to the amount the user wants to borrow, and the desired collateral amount of the OTC stock the user wants to hold as collateral for the loan and the like. In this case, the stock name of the over-the-counter stock may indicate one stock or include a plurality of stock names.

In operation 120 , the over-the-counter stock transaction support device 103 may transmit a balance confirmation request to the securities company server 105 . In an embodiment, the OTC stock transaction support device 103 may transmit a request for checking the balance of the OTC stock corresponding to the stock name to the securities company server 105 based on the OTC stock collateral loan request information. For example, when the first stock name is included in the OTC stock collateral loan request information, the over-the-counter stock transaction support device 103 tells the securities company server 105 the balance of the number of unlisted stocks corresponding to the first stock name. A confirmation request can be sent. For another example, when the first stock name and the second stock name are included in the OTC stock collateral loan request information, the over-the-counter stock transaction support device 103 sends the securities company server 105 to the unlisted stock corresponding to the first stock name. may transmit a request to check the balance of the holding quantity of , and the holding quantity of unlisted stocks corresponding to the second stock name. However, these are merely examples, and the method of the over-the-counter stock transaction support device 103 transmitting the balance confirmation request to the securities company server 105 is not limited thereto.

Alternatively, in an embodiment, when the desired amount of collateral for OTC stocks is included in the OTC stock collateral loan request information, the OTC stock transaction support device 103 informs the securities company server 105 about the OTC stock corresponding to the item name. You can send a balance check request. In this case, the balance check request may include information requesting information on the total amount of OTC stocks existing in the user's account, or information requesting information on whether there are more OTC stocks than the desired amount of collateral in the user's account. may include

In operation 125 , the securities company server 105 may transmit balance information to the OTC stock transaction support device 103 . In an embodiment, the OTC stock transaction support device 103 may receive balance information corresponding to the item name of the user account based on the balance confirmation request transmitted in operation 120 . For example, when the balance check request includes a request for the number of unlisted stocks corresponding to the first stock name, the securities company server 105 responds to the first stock name to the OTC stock transaction support device 103 . It is possible to transmit balance information including information on the holding quantity of unlisted stocks. For another example, when the request for checking the balance includes a request for the number of unlisted stocks corresponding to the first stock name and the number of unlisted stocks corresponding to the second stock name, the securities company server 105 is Balance information including holding quantity information of the unlisted stock corresponding to the first stock name and the holding amount information of the unlisted stock corresponding to the second stock name may be transmitted to the stock transaction support device 103 .

Alternatively, in an embodiment, when the requested amount of OTC stocks is included in the OTC stock collateral loan request information, the securities company server 105 tells the OTC stock transaction support device 103 to hold the OTC stock corresponding to the item name. Balance information including quantity information may be transmitted. In this case, the information on the holding quantity of unlisted stocks may include information indicating the total holding quantity of OTC stocks existing in the user's account, information indicating that OTC stocks are held more than the desired amount as collateral.

In operations 120 and 125 , the over-the-counter stock transaction support device 103 may use an application programming interface (API) of the securities company server in communication with the securities company server 105 .

In operation 130, the over-the-counter stock transaction support device 103 may generate over-the-counter stock evaluation information. In an embodiment, the over-the-counter stock evaluation information may include quantity information on over-the-counter stocks, transaction information on over-the-counter stocks, information on companies corresponding to over-the-counter stocks, and the like. Alternatively, the OTC stock valuation information may include only some of the listed information.

In an embodiment, the device for supporting over-the-counter stock trading 103 may determine quantity information about the over-the-counter stock based on the balance information received in operation 125 . For example, when a person who wants to receive a loan wants to receive a loan by using the first item as collateral, the over-the-counter stock transaction support device 103 provides the By receiving the holding quantity, quantity information on the OTC stock indicating the holding quantity of the first stock may be determined. Alternatively, the over-the-counter stock transaction support device 103 may determine quantity information on the over-the-counter stock including an indicator that the first item is held in the user account in a specific quantity or more.

In an embodiment, the device for supporting over-the-counter stock trading 103 may generate transaction information for over-the-counter stocks including price information for over-the-counter stocks. The transaction information for the OTC stock may be generated based on the transaction processing details for the corresponding OTC stock performed by the OTC stock transaction support device 103 . Alternatively, the transaction information for the OTC stock may be generated based on the transaction processing details for the OTC stock performed by a device other than the OTC stock transaction support device 103, and the OTC stock transaction support device 103 may It may be generated based on both the transaction processing details performed and the transaction execution details performed by other devices. In an embodiment, the transaction information for the OTC stock may include transaction request information for the OTC stock, transaction execution information for the OTC stock, and the like.

In one embodiment, the transaction information for the OTC stock may include the information itself collected by the OTC stock transaction support device 103, or may include information collected and processed by the OTC stock transaction support device 103 have. For example, the over-the-counter stock transaction support device 103 generates transaction information for the over-the-counter stock including the transaction execution details itself and the transaction volume processed by the over-the-counter stock transaction support device 103, price information, and price change summary information. can do.

In an embodiment, the transaction information for the OTC stock may include transaction request information for the OTC stock, transaction execution information for the OTC stock, and the like.

In one embodiment, the transaction request information for the over-the-counter stock may include information on the request for selling the corresponding over-the-counter stock and information on the purchase request of the corresponding over-the-counter stock. The sell request information and the buy request information may include not only the current sell request information and the current buy request information, but also the last sell request information and the last buy request information. Request information may also be included. That is, the sell request information and the buy request information may include not only contract information but also non-contract information. According to one embodiment, the over-the-counter stock transaction support device 103 scrapes the information only the exchange has from the log, such as deleted information, and provides it to the loan review server 107, so that the loan review server 107 provides the over-the-counter stock can help to easily evaluate the value of

In one embodiment, transaction execution information for OTC stocks includes transaction execution price information for over-the-counter stocks, transaction volume information for over-the-counter stocks, price information for over-the-counter stocks, market price change information for over-the-counter stocks, and number of transactions information for over-the-counter stocks and the like. Here, the transaction execution price information of the OTC stock includes the price of one transaction for the recently concluded over-the-counter stock, the price of multiple transactions for the recently concluded over-the-counter stock, the price of the transaction for the over-the-counter stock concluded for a specific period, etc. may include, but is not limited thereto. In addition, information on the number of transactions for over-the-counter stocks includes the number of sellers and buyers who participated in the transaction of the over-the-counter stock, the number of transactions made for the stock during a specific period, the number of postings posted for the stock during a specific period, and the number of sales posts for the stock during a specific period It may include, but is not limited to, the number of purchase postings posted for the stock during the period. According to one embodiment, due to the nature of the relative trading of OTC stocks capable of manipulating the market price of stocks, by transmitting information on the number of transactions, the over-the-counter stock transaction support device can contribute to the loan review server evaluating the collateral value more accurately.

In an embodiment, since the market price of the over-the-counter stock is not determined, the device for supporting the over-the-counter stock transaction 103 may determine the reference price of the over-the-counter stock. In addition, the OTC stock transaction support device 103 may determine price information on the OTC stock based on the reference price of the OTC stock. For example, the over-the-counter stock transaction support device 103 may include the recent transaction execution price of the over-the-counter stock, the closing price of the day, the closing price of the previous day, the mode of the execution price of the transactions concluded for a specific period in relation to the over-the-counter stock, and a specific value in relation to the over-the-counter stock. The average value of the execution prices of transactions concluded during the period, the median value of the execution prices of over-the-counter stock transactions concluded during the specified period, the weighted average value taking into account the execution quantity of OTC stock transactions concluded during the specified period, or OTC stocks executed during the specified period Price information for the OTC stock may be determined based on at least one of a weighted median value in consideration of the execution quantity of transactions and a minimum value of execution prices of transactions executed during a specific period. However, this is only an example, and the method of determining price information for the OTC stock is not limited thereto.

In one embodiment, the over-the-counter stock transaction support device 103 may determine the reference price of the over-the-counter stock for a specific date. For example, the over-the-counter stock transaction support device 103 may determine a transaction execution price of a last executed transaction among transactions traded on a specific date as the reference price of the over-the-counter stock for the specific date. Or, for example, the over-the-counter stock transaction support device 103 may provide a mode of execution price of transactions traded on a specific date, an average value of execution prices of transactions traded on a specific date, and the median of execution prices of transactions traded on a specific date. Based on the value, the weighted average value of the execution price taking into account the execution quantity of transactions traded on a specific date, or the weighted median value of the execution price taking into account the execution quantity of OTC stock transactions concluded for a specific period, etc. A reference price can be determined. However, this is only an example, and the method of determining the reference price of the OTC stock for a specific date is not limited thereto.

Examples of determining the price information for the over-the-counter stock will be described later with reference to FIG. 6 .

In one embodiment, the company information corresponding to the over-the-counter stock includes information on the company corresponding to the over-the-counter stock collected by the OTC stock trading support device, investment information on the company corresponding to the over-the-counter stock collected by the OTC stock trading support device, It may include the expected market capitalization of the company calculated by the OTC stock trading support device, company information received from a securities company, and the like.

In operation 140 , the OTC stock transaction support device 103 may transmit the OTC stock evaluation information generated in operation 130 to the loan review server 107 . In an embodiment, the OTC stock transaction support device 103 may transmit over-the-counter stock evaluation information including quantity information on the OTC stock and transaction information on the OTC stock.

According to an embodiment, the over-the-counter stock transaction support device 103 transmits the over-the-counter stock evaluation information to the loan review server 107, so that the value of the over-the-counter stock can be evaluated through a computer.

In operation 150, the loan review server 107 may determine the loanable amount. In an embodiment, the loan review server 107 may determine the loanable amount based on the over-the-counter stock collateral loan request information and the over-the-counter stock evaluation information.

In one embodiment, the loan review server 107 may determine the loanable amount by performing a loan review process based on the over-the-counter stock evaluation information.

In another embodiment, the loan review server 107 determines a mortgage recognition ratio (LTV; Loan to Value) and the evaluation price of the corresponding over-the-counter stock based on the over-the-counter stock evaluation information, and evaluates the determined security recognition ratio and the over-the-counter stock Based on the price, the loanable amount may be determined. For example, the loan review server 107 may determine the loanable amount as LTV × (the evaluation price of OTC stocks) × (the number of the OTC stocks present in the user account).

In another embodiment, the loan review server 107 may determine the loanable amount based on the artificial intelligence model by inputting the over-the-counter stock evaluation information. According to an embodiment, the loan review server 107 may determine the evaluation price of the OTC stock using artificial intelligence, and determine an amount for a specific ratio of the evaluation price of the OTC stock as the loanable amount.

In another embodiment, the loan review server 107 may determine the loanable amount with reference to the user input information.

According to one embodiment, the loan review server 107 can perform the value evaluation of the over-the-counter stock faster than before by determining the loanable amount using the over-the-counter stock evaluation information.

In operation 155, the loan review server 107 may determine a loan amount. In one embodiment, the loan review server 107 may determine the loan amount less than or equal to the loanable amount.

In one embodiment, when the loan request amount is included in the OTC stock collateral loan request information, the loan review server 107 may determine the lower of the loanable amount and the loan request amount determined in operation 150 as the loan amount.

In another embodiment, even when the loan request amount is included in the OTC stock collateral loan request information, the loan review server 107 informs the user terminal 101 of the loanable amount determined in operation 150, and communicates with the user terminal 101 The loan amount can be determined through a negotiation process. The consultation process with the user terminal 101 may be performed through the over-the-counter stock transaction support device 103 or the loan examination server 107 may directly communicate with the user terminal 101, but is not limited thereto. Loan examination server 107 through a variety of methods without, may perform the consultation process.

In another embodiment, when the loan request amount is not included in the OTC stock collateral loan request information, the loan review server 107 may determine the loanable amount as the loan amount.

In another embodiment, when the loan request amount is not included in the OTC stock collateral loan request information, the loan review server 107 informs the user terminal 101 of the loanable amount determined in operation 150, and the user terminal 101 ) can determine the loan amount through consultation with the The consultation process with the user terminal 101 may be performed through the over-the-counter stock transaction support device 103 or the loan examination server 107 may directly communicate with the user terminal 101, but is not limited thereto. Loan examination server 107 through a variety of methods without, may perform the consultation process.

In operation 160 , the loan review server 107 may transmit OTC stock collateral loan approval information to the OTC stock transaction support device 103 . In an embodiment, the loan review server 107 may transmit OTC stock collateral loan approval information to the OTC stock transaction support device based on the loan amount determined in operation 155 . The over-the-counter stock collateral loan approval information may include information indicating the quantity of over-the-counter stocks corresponding to the loan amount. That is, the loan review server 107 may inform the OTC stock transaction support device 103 of the number of OTC stocks for which account locking or transfer processing is to be performed, based on the loan amount. In the present disclosure, locking on stocks may include a case in which an account holder is prevented from arbitrarily issuing, trading, transferring, or transferring stocks held by the account holder. For example, the lock request may include a shipment prohibition request, a transfer prohibition request, and a transfer prohibition request, or may include a request to forcibly transfer the corresponding stock from the user's account to the account of the loan review server.

For example, when the loan review server 107 determines the loanable amount as LTV × (valued price of over-the-counter stocks) × (the number of over-the-counter stocks in the user's account), (loan amount) / {LTV × over-the-counter stocks By calculating the evaluation price of } as the quantity of OTC stocks corresponding to the loan amount, OTC stock collateral loan approval information including information indicating the quantity of OTC stocks corresponding to the loan amount may be transmitted. Here, the LTV value may be less than 1.

In operation 170 , the over-the-counter stock transaction support device 103 may transmit a lock request to the securities company server 105 . In an embodiment, the OTC stock transaction support device 103 may transmit a lock request for at least a portion of OTC stocks existing in the user account to the securities company server 105 based on the OTC stock collateral loan approval information. That is, the over-the-counter stock transaction support device 103 may transmit a lock request for the quantity of over-the-counter stocks corresponding to the loan amount to the securities company server. For example, the over-the-counter stock transaction support device 103 may transmit a request for prohibition of shipment for at least a portion of the over-the-counter stock to the securities company server 105 . As another example, the over-the-counter stock transaction support device 103 may transmit a transaction prohibition request for at least a portion of the over-the-counter stock to the securities company server 105 .

In an embodiment, the over-the-counter stock trading support device 103 may use an API (Application Programming Interface) of the securities company server in communication with the securities company server 105 .

However, what is shown in FIG. 1 is only an example, and the OTC stock transaction support apparatus 103 may transmit a transfer request for at least a portion of OTC stocks existing in the user's account to the user terminal. That is, the over-the-counter stock transaction support device 103 may transmit a transfer request for the quantity of over-the-counter stocks corresponding to the loan amount to the user terminal 101 . For example, the over-the-counter stock transaction support device 103 tells the user terminal 101 for at least a portion of the over-the-counter stock, the account of the over-the-counter stock transaction support device 103, the account of the securities company server 105, or the loan review server. (107) may request a transfer to the account. That is, since the loan contract has not yet been concluded, the user terminal 101 may directly request the over-the-counter stock transfer. In this case, the over-the-counter stock transaction support device 103 may transmit a transfer confirmation request to the securities company server 105 .

In an embodiment, at least a portion of the OTC stocks may indicate the quantity of OTC stocks corresponding to the loan amount. For example, when the loan amount is less than the collateral value, the transfer request for at least a portion of the over-the-counter stock may be a transfer request for the unlisted stock corresponding to an amount greater than the amount corresponding to the loan amount.

For example, when the loan review server 107 determines the loanable amount as LTV × (valued price of over-the-counter stocks) × (the number of over-the-counter stocks in the user's account), (loan amount) / {LTV × over-the-counter stocks Since the evaluation price of } is the quantity of over-the-counter stocks corresponding to the loan amount, it is possible to transmit a lock request or a transfer request as much as the corresponding quantity.

In operation 175 , the securities company server 105 may transmit lock completion information to the OTC stock transaction support device 103 . For example, the lock completion information may include shipment prohibition completion information, transaction prohibition completion information, transfer prohibition completion information, transfer prohibition completion information, and the like. In operation 170, when the over-the-counter stock transaction support device 103 transmits a transfer request for at least a portion of the over-the-counter stocks present in the user's account to the user terminal, the over-the-counter stock transaction support device 103 transmits the securities company server 105 ), the transfer completion information may be received from the securities company server 105 after the transfer confirmation request is transmitted. Alternatively, the over-the-counter stock transaction support device 103 may receive transfer completion information from the user terminal 101 .

In operation 180 , the over-the-counter stock transaction support device 103 may transmit a loan payment request to the loan review server 107 . In one embodiment, the over-the-counter stock transaction support device 103 may transmit a loan payment request to the loan examination server 107 based on the lock completion information or the transfer completion information.

In operation 190, the loan review server 107 may perform loan payment processing. In an embodiment, the loan review server 107 may perform loan payment processing based on the loan payment request. For example, the loan review server 107 may provide a loan to the user through communication with the user terminal 101 , or may provide a loan to the user account through the securities company server 105 , or over-the-counter stocks. It is also possible to request the transfer of the loan to the user account from the transaction support device (103). However, the loan payment processing method is not limited thereto, and the loan examination server 107 may pay the loan to the user in various ways.

2 is a flowchart illustrating a method for a loan examination server to receive an outstanding loan amount according to an embodiment of the present disclosure.

Referring to FIG. 2 , after receiving a loan using the OTC stock held by the user as collateral, at least a portion of the loan has not been repaid by the maturity date, or the collateral value of the OTC stock is lower than the loan amount because the collateral value of the OTC stock is lowered. do. In the past, for the disposal of OTC stocks, it was necessary to conduct an auction for the OTC stocks, sell them one by one to an asset manager, or hold a pledge and wait for the borrower to pay it back. Accordingly, when over-the-counter stocks, which are not easily disposed of due to low liquidity, were used as collateral, the loan interest rate was inevitably high. One embodiment of the present disclosure is to provide a method for an over-the-counter stock transaction support device to perform cross-trading to facilitate the disposal of over-the-counter stocks.

In operation 210, the loan review server 107 may identify a loan non-collection event. For example, in a loan non-collection event, after receiving a loan using the OTC stock held by the user as collateral, at least a portion of the loan has not been repaid by the loan maturity date, or the collateral value of the OTC stock is lowered, so that the collateral value of the OTC stock becomes the loan amount. It may include, for example, a lower case.

In operation 220, the loan review server 107 may request a counter sale. In the context of this disclosure, cross-trading may refer to arbitrarily disposing of stocks, futures, options, etc. without the consent of the customer when an excessive decline occurs after the purchase of stocks, futures, options, etc. due to attempts or credit transactions.

In one embodiment, the counter sale request may include information indicating an outstanding loan amount. The information indicating the unrecovered loan may include information indicating the unrecovered loan itself or information indicating the quantity of OTC stocks corresponding to the unrecovered loan. For example, after receiving a loan using the OTC stock held by the user as collateral, if at least a portion of the loan is not repaid by the loan maturity date, the unrecovered loan may represent a loan amount corresponding to the loan amount that the user has not repaid. For another example, when the collateral value of the over-the-counter stock falls short of the loan amount due to an excessive decrease in the collateral value, the outstanding loan amount may represent a loan amount corresponding to the entire loan amount.

In an embodiment, the loan review server 107 may transmit a counter-trading request for the over-the-counter stock to the over-the-counter stock transaction support device 103 based on the loan non-collection event. For example, in the case where at least a portion of the loan has not been repaid by the loan maturity date, or the value of over-the-counter stocks falls below the loan amount while the loan maturity date has not passed, the loan review server 107 may It is possible to transmit a counter-trading request for the over-the-counter stock to the transaction support device 103 .

In operation 230, the over-the-counter stock transaction support device 103 may perform cross-trading. In an embodiment, the device for supporting over-the-counter stock trading 103 may perform counter trading on the over-the-counter stock based on the counter trading request received in operation 220 . For example, in operations 170 to 175 described above with reference to FIG. 1 , when the over-the-counter stock transaction support device 103 requests to lock the over-the-counter stocks existing in the user account, the over-the-counter stock transaction support device 103 controls the user account It is possible to carry out counter-trading for over-the-counter stocks existing in . For another example, when the over-the-counter stock transaction support device 103 transmits an over-the-counter stock transfer request to the user terminal 101 and the over-the-counter stock is transferred to the account of the loan review server 107 or to another account, transfer Counter-trading can be performed on over-the-counter stocks existing in the account. As another example, when the over-the-counter stock transaction support device 103 transmits an over-the-counter stock transfer request to the user terminal 101 and the over-the-counter stock is transferred to the account of the loan review server 107, the loan review server 107 ), receives a request to sell over-the-counter stocks in your account, and sells stocks based on the received trading request.

In one embodiment, the counter-trading may be performed in a counter-trading manner by the OTC stock trading support device 103 . The counter trading performed in the counter trading method will be described later in detail with reference to FIG. 5 .

In an embodiment, the device for supporting over-the-counter stock trading 103 may perform a plurality of transactions if it fails to sell all the quantities in one transaction when performing counter-trading with respect to the quantity of OTC stocks set as collateral. . In this case, the over-the-counter stock transaction support device 103 sells all the quantities, and then transfers the shares of the quota to a plurality of buyers to the securities company server based on the selling information for all the quantities, and to the loan review server 107 You can request to transfer at least part of the counter sale price. Alternatively, the over-the-counter stock transaction support device 103 requests the securities company server to transfer the quota of stock to the buyer for each transaction, but sells all the quantity to the loan review server 107 and at least a portion of the counter sale price You can request a transfer. Alternatively, the over-the-counter stock transaction support device 103 requests the securities company server to transfer the quota stock to the buyer for each transaction, and also transfers at least a portion of the counter sale price corresponding to each transaction to the loan review server 107 You may ask to do it.

In an embodiment, the over-the-counter stock trading support device 103 may use an API (Application Programming Interface) of the securities company server in communication with the securities company server 105 .

In operation 240 , the securities company server 105 may transfer the unrecovered loan amount to the account of the loan review server 107 . In one embodiment, the over-the-counter stock transaction support device 103 may transfer at least a portion of the counter sale price to the loan review server 107 based on the result of performing the counter sale in operation 230 . For example, the over-the-counter stock transaction support device 103 transfers the unrecovered loan to the account of the loan review server 107, or transfers the unrecovered loan amount to the account of the brokerage company server 105 when the counter sale price exceeds the outstanding loan amount. It may request that the collected loan be transferred to the account of the loan review server 107 . For another example, when the counter sale price is less than the uncollected loan, the over-the-counter stock transaction support device 103 transfers all of the counter sale price to the account of the loan review server 107 or through the securities company server 105 It may request that the unrecovered loan be transferred to the account of the loan review server 107 .

In operation 250 , when there is remaining cash, the securities company server 105 may transfer the remaining cash to the user account. In an embodiment, the over-the-counter stock transaction support device 103 or the securities company server 105 may determine whether the counter sale price exceeds the outstanding loan amount. When the counter sale price exceeds the unrecovered loan, the over-the-counter stock transaction support device 103 may transfer the remaining amount by subtracting the unrecovered loan from the counter sale price to the user's account.

3 is a diagram illustrating a method for a loan examination server to determine a loanable amount according to an embodiment of the present disclosure.

Referring to FIG. 3 , the loan review server may determine the loanable amount 330 by performing a loan review process based on the over-the-counter stock evaluation information 320 . Alternatively, the loan review server may also consider the mortgage loan request information 310 in determining the loanable amount 330 .

In one embodiment, the over-the-counter stock collateral loan request information 310 may include a user identifier, a desired loan amount, and the like. In addition, the OTC stock evaluation information 320 may include the number of OTC stocks held by the user, transaction information of OTC stocks, company information, and the like. Here, the transaction information of the over-the-counter stock may include price information on the over-the-counter stock, transaction execution information, and transaction request information. The price information for the over-the-counter stock may include a reference price of the over-the-counter stock determined by the over-the-counter stock transaction support device. In addition, the transaction execution information may include a change in the market price of an over-the-counter stock, a transaction amount, information on a transaction execution price, information on the number of transactions, and the like. In addition, the company information may include company information received from a securities company, company information collected by the over-the-counter stock trading support device, and the estimated market capitalization of the company calculated by the over-the-counter stock trading support device. According to an embodiment, by providing the information held by the over-the-counter stock transaction support device to the loan review server, the loan review server can quickly and easily determine the loanable amount 330 .

In an embodiment, the loan review server may perform a loan review process based on the over-the-counter stock collateral loan request information 310 . The loan review server may determine the loanable amount with reference to the over-the-counter stock collateral loan request information 310 and user input information.

In an embodiment, the loan review server may determine the value of the collateral recognition ratio (LTV) based on the over-the-counter stock collateral loan request information 310 . For example, if the transaction volume is large, the corporate value is large, and the price change is on an upward curve, the loan review server may determine the collateral recognition ratio to be a relatively high value (eg 0.8), and conversely, if the volatility of the market price change is In a large case, the loan review server may determine the collateral recognition ratio as a relatively low value (eg, 0.5). For another example, when the transaction of the over-the-counter stock is made by a small number of sellers or buyers based on the information on the number of transactions, the loan review server may determine the collateral recognition ratio as a relatively low value. As another example, if there is a lot of current selling request information or buying request information, a high transaction volume is expected, so the collateral recognition ratio may be determined as a relatively high value. However, these are only examples, and the method of determining the collateral recognition rate is not limited thereto.

In one embodiment, the loan review server may determine the evaluation price of the OTC stock based on the OTC stock collateral loan request information 310 . The loan review server may determine the evaluation price of the OTC stock in consideration of market price changes, transaction volume, transaction number information, transaction execution price information, transaction request information, company information, etc. in addition to the reference price of the OTC stock.

In one embodiment, the loan review server may determine the loanable amount as LTV × (valued price of OTC stocks) × (the number of OTC stocks existing in the user account). According to an embodiment, by determining the LTV value and the evaluation price of the OTC stock based on the OTC stock evaluation information, the loanable amount can be simply determined, so that the time required for the loan process can be reduced.

4 is a diagram illustrating a method for a loan examination server to determine a loanable amount using artificial intelligence according to an embodiment of the present disclosure.

Referring to FIG. 4 , the loan review server may determine the loanable amount 440 through calculation through the artificial intelligence model 430 by inputting the over-the-counter stock evaluation information 420 . Alternatively, the loan review server may also input the collateral loan request information 410 and determine the loanable amount 440 through calculation through an artificial intelligence model. In one embodiment, the artificial intelligence model may include a machine learning model.

In an embodiment, the AI model may include a plurality of neural network layers. Each of the plurality of neural network layers has a plurality of weight values, and a neural network operation may be performed through an operation between an operation result of a previous layer and a plurality of weight values. The plurality of weights of the plurality of neural network layers may be optimized by the learning result of the artificial intelligence model. For example, a plurality of weights may be updated so that a loss value or a cost value obtained from the artificial intelligence model during the learning process is reduced or minimized. The artificial neural network may include a deep neural network (DNN), for example, a Convolutional Neural Network (CNN), a Deep Neural Network (DNN), a Recurrent Neural Network (RNN), a Restricted Boltzmann Machine (RBM), There may be a Deep Belief Network (DBN), a Bidirectional Recurrent Deep Neural Network (BRDNN), or a Deep Q-Networks, but is not limited thereto.

According to an embodiment of the present disclosure, a rapid loan process is enabled by determining the loanable amount through artificial intelligence.

FIG. 5 is a diagram illustrating a method for an OTC stock transaction support apparatus according to an embodiment of the present disclosure to perform counterpart trading in order to recover an unrecovered loan.

In one embodiment, the over-the-counter stock trading support device may use a counter-trading method in performing counter trading. Unlike competitive trading, counterparty trading is a method of buying and selling securities through consultation between the buyer and the seller. That is, under the counterparty trading method, the transaction can be concluded when the parties to the transaction agree on the intention of the transaction by negotiating the sale price, quantity, transaction method, and settlement conditions through individual negotiation between the parties to the transaction.

Referring to FIG. 5 , the device for supporting over-the-counter stock trading may perform reverse trading using a bid/ask price bulletin board, a sell/ask price bulletin board, etc. provided by the over-the-counter stock trading supporting device. In the description to be described later with reference to FIG. 5, OTC stock collateral loan request information including the item name corresponding to 'Viva Republica' is obtained from the user terminal, and the OTC stock transaction support device responds to unrecovered loans from the loan review server The case of receiving a counter-trading request for 120 shares, which is the quantity to be sold, will be described as an example. However, it should be noted that this is only an example, and stocks and quantities corresponding to other stock names may be applied to the present disclosure.

In one embodiment, the over-the-counter stock trading support device may use stock purchase information posted on the bid price bulletin board to perform counter trading. For example, the over-the-counter stock trading support device may execute counter-sales in the order of the highest purchase price in order to secure the maximum amount of uncollected loans. That is, referring to FIG. 8 , to sell 120 shares, [Transaction 1: 81,000 won, 100 shares], [Transaction 2: 80,800 won, 10 shares], [Trade 3: 80500, 2 weeks, immediate execution], [ Transaction 4: A total of 4 transactions of 80500, 8 weeks] can be performed.

As another example, the over-the-counter stock transaction support device may execute a counter sale prior to 'immediate execution' in order to secure the outstanding loan as quickly as possible. That is, referring to FIG. 8, [Transaction 1: 80500, 2 weeks, immediate execution], [Transaction 2: 80,000 won, 10 weeks, immediate execution] are performed, and for the remaining 108 weeks, the purchase price is reversed in the order of highest. trade can be concluded. Here, 'immediate execution' refers to the process of executing a sale contract without the buyer's separate confirmation process when receiving information from the buyer's terminal indicating that the purchaser's intention to conclude a sale contract is possible without the buyer's separate confirmation process when certain requirements are met can mean

As another example, the over-the-counter stock transaction support apparatus may conclude a transaction using purchase information posted on an arbitrarily selected bid price bulletin board.

As another example, the over-the-counter stock trading support device may perform counter trading by posting stock selling information on the asking price bulletin board.

As another example, the over-the-counter stock trading support device performs counter trading for some quantity using the stock purchase information posted on the bid price board, and the rest performs counter trading by posting the stock selling information on the ask price bulletin board. You may.

According to one embodiment, the over-the-counter stock transaction support device, which provides a transaction support system for over-the-counter stocks, performs counter trading, so that the over-the-counter stock transaction support device helps the loan support server to conveniently and stably secure unrecovered loans can give

6 is a diagram illustrating a method for an OTC stock transaction support apparatus to determine a reference price based on transaction data according to an embodiment of the present disclosure.

Referring to FIG. 6 , since the reference price of the over-the-counter stock is not set, the apparatus for supporting the over-the-counter stock transaction may calculate the reference price of the over-the-counter stock by using the transaction data 610 . In one embodiment, the OTC stock transaction support device includes an average value of execution prices of transactions concluded for a specific period in relation to OTC stocks, a median value of execution prices of over-the-counter stock transactions concluded during a specific period, and over-the-counter stocks executed during a specific period. A weighted average value in consideration of the execution quantity of stock transactions or a weighted median value in consideration of the execution quantity of over-the-counter stock transactions concluded during the specific period may be determined as the reference price. However, this is merely an example and the base price of the OTC stock can be determined in various other ways.

For example, the over-the-counter stock transaction support apparatus may determine, as a reference price, an average value of execution prices of transactions concluded for a specific period by using the transaction data 610 . Referring to the examples shown in FIG. 6 , the over-the-counter stock transaction support device has a total of 8 transactions concluded during a specific period, which is the average of the execution prices of the 8 transactions (82,500+84,000+83,000+86,000+82,000+82,000). +83,500+82,000)/8=83,125 won can be determined as the base price of the OTC stock.

As another example, the OTC stock transaction support apparatus may determine a median value of the execution prices of transactions concluded for a specific period as the reference price of the OTC stock by using the transaction data 610 . Referring to the examples shown in FIG. 6 , the OTC stock transaction support device sorts the transaction details in descending order of the transaction price, and then the two transactions in the middle, [Transaction 1: 82,500 won, 40 weeks] and The average price of the two trades in [Transaction 3: 83,000 won, 200 shares], which is 82,750 won, can be determined as the base price of the OTC stock.

As another example, the device for supporting OTC stocks may determine, as the reference price of OTC stocks, a weighted average value in consideration of the execution quantity of OTC stock transactions concluded for a specific period by using the transaction data 610 . 6, the over-the-counter stock transaction support device has a total of 8 transactions concluded during a specific period, which is the average of the execution price considering the quantity of 8 transactions (82,500*40+84,000*100+) 83,000*200+86,000*5+82,000*60+82,000*164+83,500*18+82,000*32)/8=82,754 won can be determined as the base price of the OTC stock.

As another example, the OTC stock transaction support apparatus may determine a weighted median value in consideration of the number of OTC stock transactions concluded for a specific period as the reference price of the OTC stock as the reference price of the OTC stock by using the transaction data 610 . Referring to the examples shown in FIG. 6 , the over-the-counter stock transaction support device sorts the transaction details in descending order of the transaction price, and then the 310th execution price, which is half of the total executed quantity (619 pieces), is 83,000 won. can be determined as the base price of over-the-counter stocks.

However, the reference prices described above with reference to FIG. 6 are merely examples, and are not limited thereto, and the reference prices may be determined based on various methods, such as the minimum value of the execution prices and the transaction execution price of the transaction last concluded on a specific date. have.

7 is a block diagram of an over-the-counter stock transaction support apparatus according to an embodiment of the present disclosure.

Referring to FIG. 7 , the apparatus 700 for supporting over-the-counter stock trading may include a transceiver 710 , a memory 720 , and a processor 730 . However, not all of the components shown in FIG. 7 are essential components of the OTC stock transaction support apparatus 700 . The over-the-counter stock transaction support device 700 may be implemented by more components than those shown in FIG. 7 , and the over-the-counter stock transaction support device 700 is implemented by fewer components than those shown in FIG. 7 . it might be In addition, the transceiver 710 , the processor 730 , and the memory 720 may be implemented in the form of a single chip.

In an embodiment, the transceiver 710 may communicate with a terminal or other electronic device connected to the OTC stock transaction support apparatus 700 by wire or wirelessly.

Various types of data such as programs and files such as applications may be installed and stored in the memory 720 . The processor 730 may access and use data stored in the memory 720 , or may store new data in the memory 720 . In one embodiment, memory 720 may include a database. In one embodiment, the memory 720 may store over-the-counter stock transaction data.

The processor 730 controls the overall operation of the over-the-counter stock transaction support device 700 , and may include at least one processor such as a CPU or GPU. In this case, one or more processors may be a general-purpose processor such as a CPU, an AP, a digital signal processor (DSP), or the like, a graphics-only processor such as a GPU, a VPU (Vision Processing Unit), or an artificial intelligence-only processor such as an NPU. One or a plurality of processors control to process input data according to a predefined operation rule or artificial intelligence model stored in the memory. Alternatively, when one or more processors are AI-only processors, the AI-only processor may be designed with a hardware structure specialized for processing a specific AI model. The processor 730 may control other components included in the over-the-counter stock transaction support device 700 to perform an operation for operating the over-the-counter stock transaction support device 700 . For example, the processor 730 may execute a program stored in the memory 720 , read a stored file, or store a new file. In an embodiment, the processor 730 may perform an operation for operating the over-the-counter stock transaction support apparatus 700 by executing a program stored in the memory 720 . For example, the processor obtains over-the-counter stock collateral loan request information including the item name of the over-the-counter stock, and based on the over-the-counter stock collateral loan request information, tells the securities company server the balance of the over-the-counter stock corresponding to the item name sending a confirmation request, receiving balance information corresponding to the stock name of the user account from the securities company server, determining quantity information on the OTC stock based on the balance information, and price information on the OTC stock generating transaction information for the OTC stock including Receive information, and transmit a lock request for at least a portion of the over-the-counter stocks present in the user account to the securities company server based on the over-the-counter stock collateral loan approval information, or to the user terminal Transmitting a transfer request for at least a part of stock, receiving lock completion information or transfer completion information from at least one of the securities company server or the user terminal, based on the lock completion information or the transfer completion information, the loan A loan payment request may be sent to the review server.

8 is a block diagram of a loan review server according to an embodiment of the present disclosure.

Referring to FIG. 8 , the loan review server 800 may include a transceiver 810 , a memory 820 , and a processor 830 . However, not all of the components shown in FIG. 8 are essential components of the loan review server 800 . The loan examination server 800 may be implemented by more components than the components shown in FIG. 8 , and the loan examination server 800 may be implemented by fewer components than the components shown in FIG. 8 . In addition, the transceiver 810 , the processor 830 , and the memory 820 may be implemented in the form of a single chip.

In an embodiment, the transceiver 810 may communicate with a terminal connected to the loan examination server 800 by wire or wirelessly, or another electronic device.

Various types of data such as programs such as applications and files may be installed and stored in the memory 820 . The processor 830 may access and use data stored in the memory 820 , or may store new data in the memory 820 . In one embodiment, the memory 820 may include a database. In one embodiment, the memory 820 may store over-the-counter stock transaction data.

The processor 830 controls the overall operation of the loan review server 800, and may include at least one processor, such as a CPU and GPU. In this case, one or more processors may be a general-purpose processor such as a CPU, an AP, a digital signal processor (DSP), or the like, a graphics-only processor such as a GPU, a VPU (Vision Processing Unit), or an artificial intelligence-only processor such as an NPU. One or a plurality of processors control to process input data according to a predefined operation rule or artificial intelligence model stored in the memory. Alternatively, when one or more processors are AI-only processors, the AI-only processor may be designed with a hardware structure specialized for processing a specific AI model. The processor 830 may control other components included in the loan review server 800 to perform an operation for operating the loan review server 800 . For example, the processor 830 may execute a program stored in the memory 820 , read a stored file, or store a new file. In one embodiment, the processor 830 may perform an operation for operating the loan examination server 800 by executing the program stored in the memory 820 . For example, the processor obtains over-the-counter stock collateral loan request information including the item name of the over-the-counter stock, and transaction information and user account for the over-the-counter stock including price information for the over-the-counter stock from the over-the-counter stock transaction support device receive over-the-counter stock evaluation information including quantity information on the OTC stocks present in the Determining a loan amount equal to or less than, based on the loan amount, transmits OTC stock collateral loan approval information to the OTC stock transaction support device, receives a loan payment request from the OTC stock transaction support device, and pays the loan Based on the request, loan payment processing may be performed.

An embodiment of the present disclosure may also be implemented in the form of a recording medium including instructions executable by a computer, such as a program module executed by a computer. Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer-readable media may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes computer-readable instructions, data structures, or program modules, and includes any information delivery media.

The description of the present disclosure described above is for illustration, and those of ordinary skill in the art to which the present disclosure pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may be implemented in a combined form.

The scope of the present disclosure is indicated by the following claims rather than the above detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present disclosure. do.

Claims (24)

As an over-the-counter stock trading support device,
Memory; and
at least one processor executing one or more instructions stored in the memory;
the at least one processor,
Obtain OTC stock collateral loan request information including the item name of OTC stock,
Transmitting a request for checking the balance of the OTC stock corresponding to the item name to the securities company server based on the OTC stock collateral loan request information;
Receive balance information corresponding to the item name of the user account from the securities company server,
determining quantity information on the over-the-counter stock based on the balance information;
generating transaction information for the over-the-counter stock including price information for the over-the-counter stock;
Transmitting over-the-counter stock evaluation information including quantity information on the over-the-counter stock and transaction information on the over-the-counter stock;
Receives over-the-counter stock collateral loan approval information from the loan review server,
Based on the over-the-counter stock collateral loan approval information, a lock request for at least a portion of the over-the-counter stocks present in the user account is transmitted to the securities company server, or at least a portion of the over-the-counter stocks present in the user account to the user terminal. send a transfer request to
receiving lock completion information or transfer completion information from at least one of the securities company server or the user terminal;
Transmitting a loan payment request to the loan examination server based on the lock completion information or the transfer completion information,
The transaction information for the over-the-counter stock is generated based on the transaction processing details for the over-the-counter stock performed by the device for supporting the over-the-counter stock transaction,
The over-the-counter stock evaluation information, the over-the-counter stock transaction support device further comprising information of a company corresponding to the over-the-counter stock. delete delete The method of claim 1, wherein the at least one processor comprises:
receiving the over-the-counter stock collateral loan request information from at least one of the user terminal or the loan examination server,
The over-the-counter stock collateral loan request information is,
The over-the-counter stock transaction support device further comprising at least one of a user identifier or a loan desired amount. According to claim 1, wherein the transaction information for the over-the-counter stock,
Over-the-counter stock transaction support comprising at least one of the transaction execution price information of the OTC stock, the price change information of the OTC stock, the transaction volume information of the OTC stock, information on the number of transactions of the OTC stock, and the transaction request information of the OTC stock Device. The method of claim 1, wherein the at least one processor comprises:
The average value of the execution prices of transactions concluded for a specific period in relation to the OTC stock, the median value of execution prices of transactions concluded during the specified period, a weighted average value taking into account the number of transactions executed during the specific period, and the specified period Based on at least one of a weighted median value in consideration of the execution quantity of transactions concluded during the period, or a minimum value of execution prices of transactions concluded during the specific period, price information for the OTC stock is determined. The method of claim 1, wherein the OTC stock-secured loan approval information,
including information indicating the quantity of the over-the-counter stock corresponding to the loan amount;
the at least one processor,
Transmitting a lock request for the quantity of the OTC stocks corresponding to the loan amount to the securities company server or transmitting a transfer request for the quantity of the OTC stocks corresponding to the loan amount to the user terminal supported devices. The method of claim 1, wherein the at least one processor comprises:
Receives a counter-trading request for the over-the-counter stock from the loan review server,
On the basis of the counter-trading request, the counter-trading of the over-the-counter stock is performed;
An over-the-counter stock transaction support device for transferring at least a portion of the counter sale price to the loan review device. 9. The method of claim 8,
The counter sale request includes information indicating an unrecovered loan,
the at least one processor,
determining whether the counter sale price exceeds the outstanding loan;
On the basis of determining that the counter sale price exceeds the unrecovered loan, the remaining amount obtained by subtracting the unrecovered loan from the counter sale price is transferred to the user account. The method of claim 8, wherein the counter trade,
An over-the-counter stock transaction support device, which is performed in a counter-trading manner by the over-the-counter stock transaction support device. Memory; and
at least one processor executing one or more instructions stored in the memory;
the at least one processor,
Obtain OTC stock collateral loan request information including the item name of OTC stock,
Receiving transaction information for the OTC stock including price information on the over-the-counter stock from the OTC stock trading support device and over-the-counter stock evaluation information including quantity information on the over-the-counter stock existing in a user account,
determining a loanable amount based on the over-the-counter stock collateral loan request information and the over-the-counter stock evaluation information;
determining a loan amount less than or equal to the loanable amount;
Based on the loan amount, transmit OTC stock collateral loan approval information to the OTC stock transaction support device,
receiving a loan payment request from the over-the-counter stock transaction support device;
Based on the loan payment request, the loan payment processing is performed,
The transaction information for the over-the-counter stock is generated based on the transaction processing details for the over-the-counter stock performed by the device for supporting the over-the-counter stock transaction,
The over-the-counter stock evaluation information, Loan examination server further comprising information on the company corresponding to the over-the-counter stock. delete delete The method of claim 11 , wherein the at least one processor comprises:
determining a collateral recognition ratio (LTV; Loan to Value) and the valuation price of the over-the-counter stock based on the over-the-counter stock valuation information;
Loan examination server, which determines the loanable amount as LTV × (the evaluation price of the determined over-the-counter stock) × (the number of the over-the-counter stocks present in the user account). The method of claim 11 , wherein the at least one processor comprises:
Loan examination server that determines the loanable amount through an artificial intelligence model by inputting the over-the-counter stock evaluation information. The method of claim 11 , wherein the at least one processor comprises:
Receives OTC stock collateral loan request information from at least one of the user terminal or the OTC stock transaction support device,
The over-the-counter stock collateral loan request information is,
Further comprising at least one of a user identifier or a loan request amount, the loan review server. The method of claim 11, wherein the information on the over-the-counter stock,
Transaction execution price information of the over-the-counter stock, price change information of the over-the-counter stock, transaction volume information of the over-the-counter stock, information on the number of transactions of the over-the-counter stock, and transaction request information of the over-the-counter stock Loan examination server comprising at least one. The method of claim 11, wherein the price information of the over-the-counter stock comprises:
The average value of the execution prices of transactions concluded for a specific period in relation to the OTC stock, the median value of execution prices of transactions concluded during the specified period, a weighted average value taking into account the number of transactions executed during the specific period, and the specified period and a reference price determined based on at least one of a weighted median value in consideration of the execution quantity of transactions concluded during the period, or a minimum value of execution prices of transactions concluded during the specific period. The method of claim 11, wherein the over-the-counter stock collateral loan approval information,
Including information indicating the quantity of the over-the-counter stock corresponding to the loan amount, the loan examination server. The method of claim 11 , wherein the at least one processor comprises:
identify a loan non-collection event;
Transmitting a counter-trading request for the OTC stock to the OTC stock transaction support device based on the loan non-collection event;
A loan review server that receives at least a portion of the counter sale proceeds. The method of claim 20, wherein the counter sale price,
A loan review server, which is obtained by performing counter-trading in a counter-trading manner by the over-the-counter stock transaction support device. In the operating method of the over-the-counter stock trading support device,
obtaining information about requesting an over-the-counter stock collateralized loan including the item name of the over-the-counter stock;
transmitting a request for checking the balance of the over-the-counter stock corresponding to the item name to a securities company server based on the over-the-counter stock collateral loan request information;
receiving balance information corresponding to the item name of a user account from the securities company server;
determining quantity information on the over-the-counter stock based on the balance information;
generating transaction information for the over-the-counter stock including price information for the over-the-counter stock;
transmitting over-the-counter stock evaluation information including quantity information on the over-the-counter stock and transaction information on the over-the-counter stock;
Receiving OTC stock collateral loan approval information from the loan review server;
Based on the over-the-counter stock collateral loan approval information, a lock request for at least a portion of the over-the-counter stocks present in the user account is transmitted to the securities company server, or at least a portion of the over-the-counter stocks present in the user account to the user terminal. sending a transfer request to;
receiving lock completion information or transfer completion information from at least one of the securities company server and the user terminal; and
Based on the lock completion information or the transfer completion information, comprising the step of transmitting a loan payment request to the loan examination server,
The transaction information for the over-the-counter stock is generated based on the transaction processing details for the over-the-counter stock performed by the device for supporting the over-the-counter stock transaction,
The over-the-counter stock evaluation information, the method further comprising information of the company corresponding to the over-the-counter stock. In the operating method of the loan review server,
obtaining information about requesting an over-the-counter stock collateralized loan including the item name of the over-the-counter stock;
receiving, from an OTC stock trading support device, transaction information on the OTC stock including price information on the OTC stock and over-the-counter stock evaluation information including quantity information on the OTC stock existing in a user account;
determining a loanable amount based on the over-the-counter stock collateral loan request information and the over-the-counter stock evaluation information;
determining a loan amount less than or equal to the loanable amount;
transmitting OTC stock collateral loan approval information to the OTC stock transaction support device based on the loan amount;
receiving a loan payment request from the over-the-counter stock transaction support device; and
Based on the loan payment request, comprising the step of performing a loan payment processing,
The transaction information for the over-the-counter stock is generated based on the transaction processing details for the over-the-counter stock performed by the device for supporting the over-the-counter stock transaction,
The over-the-counter stock evaluation information, the method further comprising information of the company corresponding to the over-the-counter stock. A program stored in a computer-readable recording medium to cause the computer to execute the method of any one of claims 22 to 23.

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