KR20140148045A - The Method and Operation System for Quick Cash Loan of Wire/Wireless Online Stock or Futures Trading Value - Google Patents

Abstract

The present invention relates to a service method for quickly taking out a sale price of wire/wireless on-line stock or futures trading, by which the wire/wireless on-line stock or futures trading and the wire/wireless loan are performed easily and mutually, and an operation system thereof. An operating system according to the present invention includes a plurality of client computers able to perform financial transactions with a banking institution system through wire/wireless Internet and to inquire a stock or futures trading account of a stock firm system; a loan server for receiving a loan request for quickly taking out a sale price of wire/wireless on-line stock or futures trading through the client computer, and for grasping a current state of a stock account interconnected with the client computer through the stock firm system in real time to determine whether to grant a loan and its possible loan in order to manage the deposit into the account appointed by the client; and a management server for grasping the deposited amount of the stock account of the client to manage risk.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and an operating system for an instantaneous withdrawal service using a wire / wireless online stock or futures transaction,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an online stock or futures trading system using wired and wireless Internet, and more particularly, to a service and an operating system capable of instantly withdrawing a payout according to wired and wireless online stocks or futures transactions.

In contrast to the way in which stocks or futures are traded through telephone calls, or when securities companies visit and sell themselves, most of the stock and futures transactions are made with online trading systems due to the widespread use of wired and wireless Internet. Both institutional investors and individual investors use wired and wireless stocks or futures trading systems that are distributed or developed by brokerage firms, and most of the securities and futures trading accounts are also made online.

The convenience of users has been increasing day by day due to the development of wired and wireless trading system in stock or futures trading. However, it is true that there is inconvenience that the actual selling price of stock or futures transaction can not be withdrawn immediately. The stock or futures trading system currently set by the state allows stocks to be withdrawn three days after the date of sale and two days after the sale. This is the concept of a simple trading day, and if there is a holiday, you have to wait for the withdrawal of the stock or futures sale price for the period. Such a stock or futures trading system has the inconvenience of not being able to withdraw cash on the day of the sale or the next day (excluding holidays) in cash.

Therefore, the parties that need to withdraw their stocks in a stock or futures transaction, while expecting the price of the stock or futures to rise, or expect the price of the current stock or futures to fall again, but inevitably, It is unreasonable to have to trade in advance for cash withdrawal.

Accordingly, an object of the present invention is to solve the above-mentioned irrationality, and to provide a service method and an operating system capable of instantly withdrawing a selling price due to a stock or futures transaction.

It is another object of the present invention to provide a method of facilitating a better stock or futures market and facilitating market participants by making a purchase and immediately withdrawing a payout amount in an online stock or futures transaction using wired or wireless Internet have.

According to an aspect of the present invention, there is provided an information processing system including a user terminal capable of exchanging stocks or futures through the wired or wireless Internet, a database of a securities company storing stock or futures transaction information through the user terminal, Or an instant loan service server that immediately provides cash withdrawal service in accordance with the commission rate set by the credit institution at the credit institution, with the deposit after the sale of the futures.

As described above, the present invention is to enable cash withdrawal immediately after the sale of stocks or futures. Accordingly, trading of stocks or futures and immediate cash withdrawal enables maximization of the financial convenience of the stock or futures trader to activate the stock market and the futures market. In addition, the securities company and the lending institution providing the service The development of a better financial market can be anticipated because the operating profit corresponding to the predetermined fee due to the provision of the service is generated.

FIG. 1 is a block diagram for explaining a configuration of a method and an operating system for a payout instant payout service according to a wire / wireless online stock or futures transaction according to the present invention.
FIG. 2 is a flowchart for explaining a real-time risk management / control method for a payout instant payout service according to a wire / wireless online stock or futures transaction according to the present invention;
3 is a flow chart for explaining a remittance procedure of a loan in the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a detailed description of preferred embodiments of the present invention will be described with reference to the accompanying drawings. It is to be noted that, in the drawings, reference numerals and like components are denoted by the same reference numerals and signs as possible even if they are shown in different drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

In order to accomplish the above object, the present invention provides a financial institution system capable of financing transactions with a financial institution system through a wired / wireless Internet, a securities company system, a plurality of client computers capable of stock order and inquiry; The client computer receives the application for a loan through the client computer, calculates the loanable amount by analyzing the status of the securities account linked to the client computer through the brokerage system in real time, generates a loan, To a loan server; And a risk management server for managing the risk associated with the loan immediately after the occurrence of the loan.

The risk management server includes a risk management server that largely manages the stock or futures purchase amount by the amount of the loan generated in real time, and a risk management server that automatically releases the purchase prohibition function when the loan is repaid.

When the client accesses the loan server of the financial institution through the network and is authenticated by the client, the loan server grasps the account information of the client through the broker server in real time and confirms the availability and the amount of the loan ; When the client requests the loan within the range of the loanable amount calculated in the step, the loan server requests the brokerage server to manage the account such as the withdrawal of the client's securities account from the loan server; After receiving the processing result of the account action from the securities company server, the risk management server notifies the risk management server to manage the risk of the security account of the client, and sends the loan to the account designated by the loan applicant, Notifying the client of the fact; Automatically transferring the loan amount from the securities company to the financial account at the end of the loan period; A step of terminating the withdrawal of the withdrawal to the client's securities account and the stopping of the transaction as much as the amount of the loan, returning the secured account to the normal account, and notifying the lender of the termination of the withdrawal procedure, Method and system.

Hereinafter, a method and an operating system of a payout instant payout service according to a wire / wireless online stock or futures transaction according to the present invention will be described with reference to the accompanying drawings.

BRIEF DESCRIPTION OF DRAWINGS FIG. 1 is a schematic diagram showing the configuration of a system for carrying out the present invention; FIG.

1, the present invention is connected to a client computer 10, a loan server 12, a risk management server 11, a loan server 12 and a risk management server 11, (Brokerage firm IDC: 20), which is a securities company system that allows the securities companies to manage the securities.

As shown in FIG. 3, the risk management server 11 receives stock or futures transaction information largely in real time, and generates a transaction management risk for generating / managing a stock or futures transaction currently occurring according to a risk management rule and a DB of the transaction amount And an account management risk management server that receives DB information managed by the transaction information management risk management server and monitors and manages the account status in real time.

The connection between the servers and the plurality of client computers 10 can accommodate both wired and wireless Internet access, or a wired connection using a private line or ISDN.

Each of the client computers 10 can be any as long as it can be connected to the Internet using any of the above-described methods.

Preferably, each of the client computers is suitable for use with any type of PC or mobile terminal equipped with an Internet web browser and capable of operating a stock trading program (HTS).

The following describes in detail the real-time risk management / control method for online stock trading and lending.

First, FIG. 2 is a flowchart for explaining a lending method and a risk management method according to the present invention.

The client accesses the lending server 12 using his / her client computer 10 and then undergoes a personal authentication procedure. When the authentication of the client is completed, the lending server 12 confirms whether the lending applicant, that is, the client's securities account, is present in the securities company through the real-time communication with the brokerage management system 21 that the client is trading with. Identify the amount of money that can be borrowed by checking the status of deposits of the applicant (P 20).

Referring to FIG. 3, the loan application procedure is described in detail. Before transferring money from the lending institution to the account designated by the lender, the lending server 12 sends a withdrawal request to the account of the lender, (P20). After receiving the result of the processing (P21), after finishing the loan processing (P22), the loan proceeds to the account designated by the lender (P 23, P 24) and informs the wired / wireless terminal of the processing result to the lender in real time (P 25).

At the same time, the loan server 12 notifies the risk management server 11 of this fact (P25), and the risk management server 11 executes the risk management according to the occurrence of the loan in real time.

The loan server 12 incorporates the program according to the present invention, and a predetermined interest rate is automatically calculated for each money amount and date according to security or gift sale money amount collateral. Also, the loan server 12 is connected to a network of a financial institution and includes a device for transferring information related to the loan to a financial institution.

[0001] Description of the Prior Art [0002]
10: Client computer 20: Securities company IDC
11: Risk management server 21: Securities company ledger management system
12: Loan server 22: Securities company account management system

Claims (3)

A plurality of client computers capable of financing transactions with a financial institution system via wired / wireless Internet, a securities company system, and a stock order and inquiry;
A loan server for receiving a loan application through the client computer and determining the availability and amount of the loan by grasping the status of the securities account linked to the client computer at any time through the broker system in real time, :
And a risk management server for controlling a stock purchase order as much as the amount of the loan from the stock or futures sale price immediately after the occurrence of a loan through the client computer and returning the stock purchase order to the normal account immediately after repayment of the loan. Immediate withdrawal service system based on futures trading. The risk management server according to claim 1, wherein the risk management server receives stock account information of a client in real time, prohibits withdrawals and stock purchases by a loan amount according to a risk management rule, immediately returns a stock account of a client to a normal account upon loan repayment The system of requesting the brokerage system to make a payment to the brokerage system. When the client computer accesses a lending server of a lending institution that lends the client computer to immediately withdraw the stock or futures sale money through the wired or wireless network and receives the authentication of the client, the lending server transmits information of the securities account linked to the client computer to the securities company A step of calculating the availability and amount of the loan by grasping in real time through the system;
Requesting, by the client computer, the account management of the withdrawal stop for the securities account in the loan server, within the range of the loanable amount calculated in the step;
When the processing result of the account management in the step is informed from the brokerage system, the risk management server notifies the risk management server managing the risk for the brokerage account, and then transfers the limited loan to the account designated by the client, Notifying the fact to the terminal designated by the client;
Checking the deposit status of the securities account in real time at the risk management server, and immediately transferring the principal to the financial institution if the preset standard is met; And
Withdrawing as much as the amount of the loan to the securities account and returning it to the normal account, and notifying the client computer that the withdrawal procedure has been terminated. ≪ RTI ID = 0.0 > It is the method of immediate withdrawal service.

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