KR20000054415A - Simulated stock dealing service method and service system thereof - Google Patents

Abstract

PURPOSE: A method and system for virtual stock trading service is provided so that a member can join a virtual stock trading and can be given a principal back if loss of the principle occurs and can be given an allotment if he achieves a high profit rate. CONSTITUTION: A method for virtual stock trading service, which provides a virtual stock trading service to many clients through internet(100), includes three steps. A first step is to store data of real-name client account, which is opened by a client paying a fixed deposit, in a stock account database(104a). A second step is that clients executes the virtual stock trading, to which real prices are applied, within the deposit during a contracted duration of the virtual stock trading. A third step is to pay a prescribed investment allotment, which is determined according to a profit rate of investment by stock trading of the second step to the stock account database(104a) together with the principal and contracted interest when the contracted duration of the virtual stock trading is over.

Description

Simulated stock dealing service method and service system

The present invention relates to a virtual stock trading service method that can be understood as a new securities business model through the Internet. More specifically, the present invention relates to a virtual stock trading service that allows a customer to make a real investment by performing virtual stock trading equivalent to a real market while guaranteeing a fixed interest and principal. Virtually confident because you can gain experience, gain high dividends depending on the return on investment of virtual stock trading, and even secure the initial interest and principal even if a customer loses due to virtual stock trading. It relates to a virtual stock trading service method that can participate in stock trading.

In order to invest stocks, the general public visits securities firms or accesses securities firms through the telephone and the Internet to directly buy and sell stocks. However, the general public who participates in the stock market may find it difficult to invest because of the risk of loss of principal.

In order to solve such a problem, according to the conventional virtual stock trading service method, a service is provided so as to gain experience of stock investment by buying and selling virtual stocks on the Internet. According to the virtual stock trading service method, prizes are paid according to the profit result of buying and selling virtual stocks.

However, according to the conventional virtual stock trading service method as described above, it is difficult for most participants to feel the understanding of the profits of the stock trading because only a small number of ranked winners receive prizes according to the performance of the virtual stock trading. In addition, the interest in the virtual stock investment game itself is deteriorated, especially when the initial yield is low. Therefore, according to the conventional virtual stock trading service method, there is less learning effect that a participant can obtain by participating in virtual stock trading. There is a problem. In addition, the service provider providing the conventional virtual stock trading as described above does not have a profit derived from the virtual stock trading service, and depends on advertising revenue on the corresponding homepage, thereby deteriorating profitability in operating the business model. There is a problem.

The technical problem to be achieved by the present invention is to provide a virtual stock trading service method that allows the subscriber to return the principal when the principal loss occurs due to participation in the virtual stock trading and to receive a corresponding dividend when a high yield is achieved. will be.

Another object of the present invention is to provide a computer readable recording medium storing program codes for executing the virtual stock trading service method.

Another technical problem to be achieved by the present invention is to provide a virtual stock trading service system in which the virtual stock trading service method is performed.

1 is a block diagram illustrating a virtual stock trading system according to an embodiment of the present invention.

FIG. 2 is a flowchart illustrating the main steps of the virtual stock trading service method according to the embodiment of the present invention performed in the virtual stock trading service system of FIG. 1.

In order to achieve the above object, the virtual stock trading service method according to the present invention is a virtual stock trading service method for providing a virtual stock trading service to a plurality of customers through the Internet, the method comprising: (a) a client in a securities account ledger database of a securities company server; Storing customer account data established by paying a deposit; (b) the customers conducting a virtual stock transaction subject to the practice tax within the deposit amount during the term of the virtual stock transaction; And (c) depositing, in the account database, a predetermined investment dividend determined according to the return on investment by the stock transaction in step (b) together with the principal and the contract interest when the term of the virtual stock transaction ends. Characterized in that.

In addition, the investment dividend is preferably determined on the basis of the ratio of the return rate and investment amount to the return rate and investment amount of the total virtual stock trading customers.

For example, the investment dividend is It can be determined based on.

In addition, the investment dividend is not negatively allocated to guarantee the initial interest rate and the principal to the customer even if a negative profit is generated.

The virtual stock trading service method may further include receiving a predetermined fee according to a virtual stock trading of a customer at a securities company.

In addition, the step (b) may be made through a securities company branches and call centers or Internet sites.

In addition, step (b), (b-1) receiving an order from a customer; (b-2) the securities company server sending the order received from the customer; (b-3) the virtual stock trading server receiving data on the quotation and the trading volume from the stock exchange trading execution system; And (b-4) storing, in the order execution database, a conclusion stock data indicating that the order has been concluded when the virtual stock trading server attempts a transaction according to the order, and sends the result to the securities company server. It is preferable.

In addition, a computer readable recording medium according to the present invention for achieving the above another object is a computer readable recording medium for storing program codes for performing a virtual stock trading service method for providing a virtual stock trading service to a plurality of customers over the Internet A method comprising: (a) storing customer account data of a real name opened by customers paying a deposit in a securities account ledger database of a securities company server; (b) the customers conducting a virtual stock transaction subject to the practice tax within the deposit amount during the term of the virtual stock transaction; And (c) depositing, in the account database, a predetermined investment dividend determined according to the return on investment by the stock transaction in step (b) together with the principal and the contract interest when the term of the virtual stock transaction ends. And storing program codes for performing a virtual stock trading service method.

In addition, the virtual stock trading service system according to the present invention for achieving the another object is a virtual stock trading service system for providing a virtual stock trading service to a plurality of customers over the Internet, the customer for performing a virtual stock trading Customer computer to ship orders; The client stores the account data of the real name opened by paying a deposit, sends an order received from the client, and at the end of the term of the virtual stock transaction, a predetermined amount determined based on the return on investment along with the principal and contract interest. A securities company server for depositing the investment dividend in a predetermined securities account ledger database; And receiving data on the quotation and the transaction volume from the stock exchange trading execution system, and attempting a transaction according to the order received from the securities company server, and when the transaction is concluded, storing the execution acceptance data indicating that the order has been concluded in a predetermined order execution database. And a virtual stock transaction server for sending the result to the securities company server.

In addition, the virtual stock trading server is preferably included in the securities firm server.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing the structure of a virtual stock trading service system according to an embodiment of the present invention. Referring to FIG. 1, a virtual stock trading service system according to an embodiment of the present invention includes a client computer 102, a securities company server 104, and a virtual stock trading server 106 connected to the Internet 100. In addition, the securities company server 104 includes a securities account ledger database 104a that stores and manages securities account data. In addition, the virtual stock trading server 106 includes an order execution database 106a and is connected to the stock exchange trading execution system 108 to receive data including a quotation and a trading amount. In addition, as shown in FIG. 1, the securities firm server 106 may be directly connected to the virtual stock trading server 108. The securities firm server 106 may also include a virtual stock trading server 108.

2 illustrates a virtual stock trading service method according to an embodiment of the present invention performed in the virtual stock trading service system as described above. First, when a customer visits a securities company and requests to open a securities account, the securities company presents to the customer the terms of the new product and the terms of the virtual stock trading, and the client approves the terms of the new product and the terms of the virtual stock trading. Opening a securities account is done by receiving the approval.

The securities firm server 104 now stores the customer account data of the real name established by the customers paying a predetermined deposit in the securities account ledger database 104a of the securities firm server 104 (step 202). Thus, the securities firm server 104 stores the real name customer account data established by the customers paying a predetermined deposit in the securities account ledger database 104a.

Now, the customers are virtually subject to the practice tax within the amount of subscription to the given deposit product through the securities company server 106 for a term of a virtual stock transaction, eg, 2, 3, 6 months or a year. Stock trading

As a procedure for performing a virtual stock transaction, the securities firm server 106 receives an order from a customer (step 204) and sends an order received from the customer to the virtual stock trading server 108 (step 206).

The virtual stock trading server 106 receives data on the quotation and the trading volume from the stock exchange trading execution system 108, attempts to trade according to the order, and when the transaction is completed, the virtual stock trading server 106 determines that the order has been concluded. Ali stores the settlement acceptance data in the order execution database 106a and sends the result to the securities company server 104 (step 208). As a result, the clients can conduct virtual stock trading, which is subject to the tax, within the deposit limit through the securities company server 104 for a contract term of the virtual stock trading, for example, 2, 3, 6 months or 1 year. . Here, the brokerage company may receive a predetermined fee according to the virtual stock transaction of the customer.

Meanwhile, when the contract period of the virtual stock transaction ends, the securities company server 104 recalls a predetermined investment dividend determined based on the return on investment of the virtual stock transaction according to the steps 204 to 208 together with the principal and the contract interest. The deposit is processed in the securities account ledger database 104a (step 210).

Herein, the investment dividend is based on the ratio of the return of the investment and the amount of investment to the investment amount of the total virtual stock trading customers, for example,

It depends on. In addition, the investment dividend is not negatively allocated to guarantee the initial interest rate and the principal to the customer even if a negative profit is generated.

An operation example will be described to help understand the virtual stock trading service method as described above. In this example, the number of subscription customers is set to 10,000, and the amount of subscriptions per person is set to 10 million won. In other words, it is assumed that the total deposit amount is 100 billion won, the interest rate is 1%, and the average customer dividend payment rate is 3%. For reference, examples of the detailed operation results are shown in Table 1 below.

% Of customers with positive ROI Total Dividends Dividends and interests according to the virtual stock trading method according to the present invention Average dividend per capita Interest per capita sub Total 10% 3 billion won 3 million won 100,000 won 3.1 million won 20% 3 billion won 1.5 million won 100,000 won 1.6 million won 30% 3 billion won 1 million won 100,000 won 1.1 million won 40% 3 billion won 750,000 won 100,000 won 850,000 won 50% 3 billion won 600,000 won 100,000 won 700,000 won 60% 3 billion won 500,000 won 100,000 won 600,000 won 70% 3 billion won 430,000 won 100,000 won 530,000 won 80% 3 billion won 370,000 won 100,000 won 470,000 won 90% 3 billion won 330,000 won 100,000 won 430,000 won 100% 3 billion won 300,000 won 100,000 won 400,000 won

Referring to Table 1, the average per capita dividend and per person that a customer can receive when operating a product using the virtual stock trading service method according to the present invention for the case where the ratio of the customer with a positive return on investment is 10% to 100%. The comparison between the interest and the per capita interest that can be received by the customer in the operation of a regular deposit is shown.

For example, if dividends are given according to Equation 1 above, and the number of customers with a positive return on investment accounts for 20% of the total number of customers, the customer with a final investment balance of 15 million won for the virtual stock transaction is 10 million won. (Investment principal) + 100,000 won (interest) + 3.75 million won (dividend) = 13.39 million won. In addition, if the number of customers with a positive return on investment accounts for 20% of the total number of customers, the customer with a final investment balance of 6 million won from the virtual stock transaction will be 10 million won (invested capital) + 100,000 won (interest) = 10 million won. Can be paid.

According to the virtual stock trading service method, a customer participating in a virtual stock trading may receive a high dividend according to the return on investment of the virtual stock trading, and thus, there is an advantage that the excess return is superior to other general financial products. In addition, even if a customer loses due to virtual stock trading, the interest and principal amount promised at first are guaranteed, so that the customer can securely experience virtual investment by trading virtual stock equivalent to the real market. .

In addition, securities firms have advantages in terms of marketing that can contribute to the discovery of potential customers by providing services of virtual stock trading systems while guaranteeing fixed interest and principal to customers, and depending on the performance of the clients' deposits, The effect of securing a revenue source can be expected.

In addition, according to the virtual stock trading service method according to the present invention, there is an advantage that it can contribute to the development of a sound stock market by forming a learning atmosphere of the stock market and avoiding a stock market where indiscriminate investment is successful.

In addition, the virtual stock trading service method according to the present invention as described above can be written as a program executed in a personal or server class computer. Program codes and code segments constituting the program can be easily inferred by computer programmers in the art. The program may also be stored in a computer readable recording medium. The recording medium includes a magnetic recording medium, an optical recording medium, and a propagation medium.

As described above, according to the present invention, a high dividend can be received from the customer according to the return on investment of the virtual stock trading, and thus, the excess return can be expected to be superior to that of other general financial products. Interest and principal provide guaranteed virtual stock trading services. In addition, the securities company that performs the virtual stock trading service has an advantage in terms of marketing that can contribute to the discovery of potential customers by providing the services of the virtual stock trading system while guaranteeing the fixed interest and principal to the customer, the customer's deposit Depending on the performance of the company's management, it is expected that a certain revenue source can be secured.

Claims (14)

In the virtual stock trading service method for providing a virtual stock trading service to a plurality of customers over the Internet, (a) storing the customer account data of the real name established by the customers paying a predetermined deposit in the securities account ledger database of the securities company server; (b) the customers conducting a virtual stock transaction subject to the practice tax within the deposit amount during the term of the virtual stock transaction; And (c) depositing, in the securities account ledger database, a predetermined investment dividend determined according to the return on investment by the stock transaction in step (b) together with the principal and the contract interest when the term of the virtual stock transaction ends. Virtual stock trading service method comprising the. The method of claim 1, wherein the investment dividend is The virtual stock trading service method, characterized in that determined based on the ratio of the return and investment amount to the return and investment amount of the total virtual stock trading customers. The method of claim 2, wherein the investment dividend is The virtual stock trading service method, characterized in that determined based on. The method of claim 1, wherein the investment dividend is The virtual stock trading service method, characterized in that even if a negative profit is generated, the dividend is not negatively allocated to guarantee the initial interest rate and the principal to the customer. The method of claim 1, The securities company further comprises the step of receiving a predetermined fee according to the virtual stock trading of the customer. According to claim 1, wherein step (b), Virtual stock trading service method characterized in that through the securities company branches and call centers. According to claim 1, wherein step (b), Virtual stock trading service method characterized in that it is made through an internet site operated by a securities company. According to claim 1, wherein step (b), (b-1) receiving an order from a customer; (b-2) the securities company server sending the order received from the customer; (b-3) the virtual stock trading server receiving data on the quotation and the trading volume from the stock exchange trading execution system; And (b-4) the virtual stock trading server attempts to trade according to the order, and if the transaction is concluded, storing the settlement acceptance data indicating that the order has been concluded in the order execution database and sending the result to the securities company server; Featured virtual stock trading service method. A computer readable recording medium storing program codes for executing a virtual stock trading service method for providing a virtual stock trading service to a plurality of customers via the Internet, (a) storing the customer account data of the real name established by the customers paying a predetermined deposit in the securities account ledger database of the securities company server; (b) the customers conducting a virtual stock transaction subject to the practice tax within the deposit amount during the term of the virtual stock transaction; And and (c) depositing, in the account database, a predetermined investment dividend determined according to the return on investment by the stock transaction in step (b) together with the principal and the contract interest when the term of the virtual stock transaction ends. A computer readable recording medium storing program codes for performing a virtual stock trading service method. The method of claim 9, wherein the investment dividend, A computer-readable recording medium, characterized in that it is determined based on the ratio of the return on investment and the amount of investment to the return and investment amount of the total virtual stock trading customers. The method of claim 10, wherein the investment dividend, And a computer readable recording medium determined according to the description. The method of claim 9, Step (b) of the virtual stock trading service method, (b-1) receiving an order from a customer; (b-2) the securities company server sending the order received from the customer; (b-3) the virtual stock trading server receiving data on the quotation and the trading volume from the stock exchange trading execution system; And (b-4) the virtual stock trading server attempts to make a transaction according to the order, and when the transaction is concluded, storing the settlement acceptance data indicating that the order has been concluded in the order execution database and sending the result to the securities company server. A computer readable recording medium characterized by the above. In the virtual stock trading service system for providing a virtual stock trading service to a plurality of customers over the Internet, A customer computer that sends an order for a customer to perform a virtual stock transaction; The client stores the account data of the real name opened by paying a deposit, sends an order received from the client, and at the end of the term of the virtual stock transaction, a predetermined amount determined based on the return on investment along with the principal and contract interest. A securities company server for depositing the investment dividend in a predetermined securities account ledger database; And Receives data on quotations and trading volumes from the stock exchange trading system, and attempts to trade according to the orders received from the securities company server. And a virtual stock transaction server for sending a result to the securities company server. The method of claim 13, wherein the virtual stock trading server, Virtual stock trading service system, characterized in that included in the securities company server.