DE202010018368U1 - Terminal for trading on the stock markets - Google Patents

Abstract

A remote communications terminal for trading in the stock markets, comprising a monitor and a keyboard or monitor with a keyboard on a monitor screen, a device that transfers funds to an account of the user and / or debits funds from the user's account and / or or a cash dispenser, a device for remotely connecting, in the form of the programming and arithmetic unit, a device comprising as a feature displaying the graphical interface with the fields for displaying destination information associated with the control server for the status of the user's account that produces a transfer of funds to the user's account and / or a debit of funds from the user's account and / or a cash dispenser, in the form of a unit built into the terminal box or at a distance outside the latter located and with the programming and arithmetic unit verbu This is a feature that has as a feature the remote connection to the servers of stock exchanges and information agencies for displaying information about the current quotations in the specified fields, bets and the calculation of profit and loss for each transaction, where the specified unit is also a Feature of displaying bets and a feature of entering the price of a course (point) change and a bet amount on the keyboard.

Description

The invention relates to systems for assisting financial transactions by providing for quick action and quick payout of material remuneration as a result of trading.

The prior art is an exchange trading system comprising a computer; a lot of information received from the computer about a bid submission, each of the above information clauses about a bid submission describing a trading session of the first dealer; a lot of information received from the computer about quotations of the trade, each of the above information sets describing, via quotations, the trade held on behalf of the second trader; a set of the preset acceptable trading parameters and software features executed by the computer to compare indicia information sets with quotations of trade quotations and to define matches if a bid submission information set and a trading set information record are included in a sentence pre-set acceptable trade parameters ( RU No. 2259586 , G06F17 / 60, published on 27.08.2005).

A disadvantage of the current systems is their complexity, not only in terms of hardware, but also in terms of inadequate functionality that precludes the possibility of remote access to the trade for those other than the one officially registered for participation in the trade. The prior art is further a telecommunication terminal for trading in the stock markets, comprising a monitor and a push-button or touch-sensitive keyboard or a touch-sensitive monitor with a keyboard on a monitor screen, a payment card reader, a cash entry system, a device for remote connection - in the form of a programming and a computing unit having, as a feature, displaying a graphical interface with the fields for displaying destination information - with the relevant control server for the status of the user's account and a cash dispenser, wherein the programming and processing unit as an additional feature remotely connects to servers of stock exchanges and information agencies for displaying information about the current quotations in the specified fields, employments and the calculation of profit and loss for each transaction, the specified unit t also has a feature of displaying bets, a feature of inputting the price of a point change and a bet amount via the keyboard, and transferring a premium to the account of a payment card holder or issuing a prize via a cash dispenser ( RU No. 64405 , G06F19 / 00, published on 27.06.2007).

The disadvantage of this solution is that there is a restriction on entering amounts: only one payment card is used. At present, various payment mechanisms are being developed that can be used in the mode of directly charging the merchant account. A restriction on the use of payment cards significantly reduces the number of users and does not give those who use other financial mechanisms or have the ability to register and load a payment card the opportunity to hold game sessions.

The solution given is to be regarded as a prototype for the claimed subject matter.

The object of the invention is the realization of the terminal for a simple kind of trade.

Such a terminal is considered to be the gaming device and may be placed in gaming clubs, casinos and club-type rest areas.

The terminal operates in accordance with the principles of the Forex international currency market. In order to ensure normal operation of such a terminal, it is necessary to provide a real time broadcast over broadcast / TV of the foreign exchange market quotations for the trading instruments on this terminal and to realize the profit calculation algorithm for transactions made by a customer.

Quotation sources may be well-known sources of information, "Reuters", "Bloomberg", "Tenfore", as well as trading centers that provide access to trading on the Forex market via the Internet.

In addition, the transactions made through the terminal can be brought into the real market via one of the trading centers, making such a terminal not the gaming and betting equipment but the remote control terminal for the stock market transactions.

The present invention is further directed to the achievement of the technical result which consists in shortening the time for transactions through the use of different systems of input and movement of funds.

This problem is solved by the fact that the remote communication terminal to act on the Stock exchange markets, comprising a monitor and a keyboard or a monitor with a keyboard on a monitor screen, a device providing a transfer of funds to an account of the user and / or a debit of funds from the user's account and / or money issue A remote connection device in the nature of the programming and computing unit, comprising as a feature displaying the graphical interface with the fields for displaying destination information and connected to the control server for the status of the user's account and a device providing a transfer of Means is provided to the user's account and / or debit funds from the user's account and / or cash, produced in the form of a unit that is built into the terminal housing or located at a distance outside the latter and with the programming and Computing unit is connected, which as a feature the remote connection m it has the stock market servers and information agencies for displaying information about the current quotations in the specified fields, bets and the calculation of profit and loss for each transaction, the specified unit also being a display of stakes and as a feature another feature of entering the price of a price (point) change and a bet amount via the keyboard.

• – Um den Zugang zu dem Terminal und die Überweisung des Betrags auf das Handelskonto der Kunden zu vereinfachen, ist es zusätzlich mit einem Fingerabdrucksteuerungs- und -authentifizierungssystem ausgestattet.
• – Um das Terminal zu handhaben, ist das Letztere zusätzlich mit einem Sprachsteuerungssystem ausgestattet.

The following additions are applicable, for example:

• - In order to simplify access to the terminal and transfer the amount to customers' trading account, it is also equipped with a fingerprint control and authentication system.
• - To handle the terminal, the latter is additionally equipped with a voice control system.

The stated characteristics are essential and associated with the development of essential features sufficient to obtain the required technical result.

The present invention will be explained with reference to a concrete embodiment, which is not descriptive, but clearly demonstrates the possibility of achieving the required technical result.

1 shows a flowchart of the terminal.

The distance communication terminal for trading on the stock exchange comprises the information input 1 and reading device in the form of a monitor 2 and a push-button or touch-sensitive keyboard 3 or a touch-sensitive monitor 4 with a keyboard 5 on a monitor screen, a remote connection device 6 in the form of the programming and computing unit, having as one feature displaying the graphical interface with fields for displaying destination information. The present programming and computing unit is connected to: on the one hand, the relevant control server 7 or the status of the user's account, for example the bank issuing a payment (eg credit and money) card, when access to the merchant's account is provided via the card and, on the other hand, (a) source (s) 8th of quotations and other stock market information, such as "Reuters", "Bloomberg", "Tenfore", and trading centers that provide access to trading on the Forex market on the Internet.

In addition, the terminal includes, for example, a money and credit card reader, directly or via a device 6 that with the control server 7 connected to the status of the user's account.

• 1) Transponderkarten (funktionieren nach dem Prinzip von Kreditkarten, aber, um die Mittel abzubuchen, ist es nur notwendig, die Karte an die Vorrichtung heranzuführen (auflegen oder in eine Entfernung von nicht mehr als 10 cm bringen).
• 2) Zahlungen mittels des Telefons:
• – funktionieren nach dem Prinzip einer Transponderkarte, wenn ein Telefon die notwendige Vorrichtung aufweist;
• – erteilte Befehle, vom Konto abzubuchen, mittels SMS oder eines speziellen Programms auf einem Telefon;
• – ein System, bei dem der spezielle Strichcode an das Telefon gesendet wird, der durch den Scanner des Organisators (an einem Terminal, im Zahlungsbüro der Organisation) gelesen wird;
• – ein System, bei dem der Strichcode eines Postens durch eine Telefonkamera gelesen wird, wonach der Betrag automatisch abgebucht wird.
• 3) Elektronische Zahlungssysteme. Es ist möglich, von dem Spielterminal aus direkten Zugang zu dem Händlerkonto zu gewähren, das in einem der Zahlungssysteme registriert ist, für:
• – eine einmalige Überweisung eines konkreten Betrags auf das Spielkonto des Händlers;
• – das Erteilen einer Erlaubnis an das Spielsystem, entsprechend den Ergebnissen einer Spielsitzung automatisch Geld von einem/auf ein Konto eines elektronischen Zahlungssystems abzubuchen oder zu überweisen.
• 4) Konto und Passwort bei der finanzierenden Organisation. Um auf das Spielkonto zuzugreifen, es aufzuladen, eine Abbuchung von ihm vorzunehmen, werden/wird das persönliche Konto des Kunden und das Passwort oder nur das Passwort (Aliaskonto) verwendet:
• – Einmalkonto (unmittelbar vor einem Spiel im Zahlungsbüro der Organisation registriert)
• – Dauerkonto (bei der Organisation, an einem Standort, während des Kaufs einer speziellen Karte registriert; Geld kann über die Zahlungssysteme an einem Standort oder in bar im Zahlungsbüro der Organisation überwiesen werden)
• 5) Bargeld und Kartenleser: am Terminal, im Zahlungsbüro der Organisation.
• 6) Rubbelkarten (ausgegeben mit dem feststehenden Nennwert einer 500-Rubel-Karte), ein Codefeld wird freigerubbelt, ein Code wird in die Vorrichtung eingegeben)).

The terminal also includes a cash input device 11 and the cash dispenser 12 , which allows it to be paid for use at the terminal site and receive a bonus. The device 11 may be in the form of a unit which is installed in the terminal housing or located at a distance outside the latter and is connected to the programming and computing unit. This unit may not only have features of transferring funds to the user's account, but also debiting funds from the user's account and / or issuing those amounts. Such a structure makes it possible to use different account-charging mechanisms and to use:

• 1) Transponder cards (operate on the principle of credit cards, but to debit the funds, it is only necessary to bring the card to the device (hang up or bring to a distance of not more than 10 cm).
• 2) Payments by phone:
• - operate on the principle of a transponder card when a telephone has the necessary device;
• - issued commands to withdraw from the account, by SMS or a special program on a telephone;
• A system in which the special bar code is sent to the telephone which is read by the organizer's scanner (at a terminal, in the organization's payment office);
• A system in which the bar code of a post is read by a telephone camera, after which the amount is deducted automatically.
• 3) Electronic payment systems. It is possible to grant direct access from the gaming terminal to the merchant account registered in one of the payment systems for:
• - a one-time transfer of a specific amount to the player's gambling account;
• - granting a permission to the gaming system to automatically debit or transfer money from / to an electronic payment system account according to the results of a gaming session.
• 4) Account and password with the financing organization. In order to access the game account, to charge it, to make a debit from it, the customer's personal account and password or only the password (alias account) will be used:
• - One-time account (registered immediately before a match in the organization's payment office)
• - Permanent account (registered at the organization, at a location, during the purchase of a special card, money can be transferred via the payment systems at one location or in cash at the organization's payment office)
• 5) Cash and card reader: at the terminal, in the organization's payment office.
• 6) Scratch cards (issued with the fixed denomination of a 500-ruble card), a code field is freububbled, a code is entered into the device)).

• 1) Eingabe von Geld in das System mittels verschiedener Vorrichtungen (installiert sowohl in jeder separaten Vorrichtung als auch nur im Zahlungsbüro der Organisation):
• – Bargeldannahme-/-abgabeeinrichtung;
• – Magnetkartenleser (Kartenleser);
• – Transponderkarten- und -vorrichtungsleser;
• – Strichcodeleser;
• – andere akzeptable Vorrichtungen.
• 2) Eingabe von Geld in das System ohne die Nutzung zusätzlicher Eingabe-/Ausgabevorrichtungen:
• – mittels elektronischer Zahlungssysteme (WebMoney, Yandex.Money etc.)
• – Verwendung spezieller Software (einschließlich Banking) auf dem Mobiltelefon (mobiles Banking, Strichcodelesen durch eine Telefonkamera etc.), Eingeben eines speziellen Passworts (Rubbelkarten).

Thus, the terminal has the following capabilities:

• 1) Input of money into the system by means of various devices (installed both in each separate device and only in the organization's payment office):
• - cash acceptance / delivery facility;
• - magnetic card reader (card reader);
• - transponder card and device reader;
• - bar code reader;
• - other acceptable devices.
• 2) Input of money into the system without the use of additional input / output devices:
• - by means of electronic payment systems (WebMoney, Yandex.Money etc.)
• - Use of special software (including banking) on the mobile phone (mobile banking, barcode reading through a phone camera, etc.), entering a special password (scratch cards).

The programming and arithmetic unit has, as a feature, the remote connection with the server of the stock exchange and information agencies for displaying information about the current quotations in the specified fields on the monitor screen, employments and the calculation of profit and loss for each transaction. The specified unit has, as another feature, displaying the made bets, the feature of entering the price of a course (point) change and a bet amount on the keyboard and transferring a premium to the account of a credit and debit card holder or Issuing a bonus via a cash dispenser.

In addition, to simplify access to the terminal and transfer the amount to customers' trading accounts, it is equipped with the fingerprint control and authentication system. To handle the terminal, the latter is additionally equipped with a voice control system. These terminal features allow to control the authenticity of the user.

During a session, a customer selects a trading instrument (for example, a currency pair) and the cost of at least a minimal change in price for that trading instrument. Subsequently, a customer assumes a position according to his expectations and current listing flow by executing a commercial transaction for the purchase or sale of a trading instrument. According to the current quotation inflow, the terminal calculates the profit (loss) amount of the customer and shows the customer the cash balance generated. By executing an opposite transaction (buy if he has sold, or vice versa), the customer can close his position at any time. Thus, a cycle comes to an end. The number of cycles in a session is limited to the cash balance only. The cycle may be forcibly terminated if the price changes for the selected trading instrument have led to the fact that the cash balance is zero. An essential advantage of the invention is that there is no need for complex and long-term procedures of prior customer registration, opening bank accounts or transferring money to the trading center. All transactions and settlements with the customer are carried out directly on site via the terminal.

The terminal is essentially a new tool and will help attract new customers, including regular customers, as there are no other systems available that are as simple as this system. From a customer perspective, the terminal is attractive because it works on the basis of global quotations of trading instruments. These quotes can easily be verified through alternative sources of information (such as TV channels and Internet publications), making it impossible to make quotes in favor of an organization (where a terminal is installed) manipulate so that the likelihood of fraud is significantly reduced.

As far as the realization of the programming and arithmetic unit is concerned, the algorithm of the operation of such a unit is described, for example, in the book of Olga Degtyareva, Olga Kandinskaya "Stock Market Industry: A University Textbook", M, Banks and Stock Exchanges, UNITI, 1997, 503 pages, ISBN 5-85173-060-9, Chapter 7 "Development of an Electronic Stock Exchange Trading System", Section 7.3 "Electronic Algorithms for the Trade ", Section 7.4.2" Illustration of the Electronic Trading Business (using the example of the ATC / 2 system) " (an electronic version of this section is attached), described, http://kandinskaya.narod.ru/delo07.html ,

This book contains examples of the realization of the main components of the electronic exchange, including the calculation algorithm, the interaction schemes, the use of software and hardware, using 386 and 486 series computers as examples. In particular, the example of the electronic commerce using the system ATC / 2 is set forth in detail. The algorithm of the transactions described in this book understands the transaction scenario; H. a sequence of actions and a set of conditions under which an item is bought and sold. Therefore, such a feature as "the computing device having a feature of accepting bets and calculating profit and loss for each transaction" has not been disclosed in relation to the state of the art well known in the field of stock market transactions ,

The present invention is industrially applicable because it can be realized using technologies used in the production of electronic and mechanical gaming machines and computer-based remote access systems.

QUOTES INCLUDE IN THE DESCRIPTION

This list of the documents listed by the applicant has been generated automatically and is included solely for the better information of the reader. The list is not part of the German patent or utility model application. The DPMA assumes no liability for any errors or omissions.

Cited patent literature

• RU 2259586 [0002]
• RU 64405 [0003]

Cited non-patent literature

• Olga Degtyareva, Olga Kandinskaya "Stock Market Industry: A University Textbook", M, Banks and Stock Exchanges, UNITI, 1997, 503 pages, ISBN 5-85173-060-9, Chapter 7 "Development of an Electronic Stock Exchange Trading System", Section 7.3 "Electronic Algorithms for the Trade ", Section 7.4.2" Illustration of the electronic commerce business (using the example of the ATC / 2 system) " [0025]
• http://kandinskaya.narod.ru/delo07 r.html [0025]

Claims (5)

A remote communications terminal for trading in the stock markets, comprising a monitor and a keyboard or monitor with a keyboard on a monitor screen, a device that transfers funds to an account of the user and / or debits funds from the user's account and / or or a cash dispenser, a device for remotely connecting, in the form of the programming and arithmetic unit, a device comprising as a feature displaying the graphical interface with the fields for displaying destination information associated with the control server for the status of the user's account that produces a transfer of funds to the user's account and / or a debit of funds from the user's account and / or a cash dispenser, in the form of a unit built into the terminal box or at a distance outside the latter located and with the programming and arithmetic unit verbu This is a feature that has as a feature the remote connection to the servers of stock exchanges and information agencies for displaying information about the current quotations in the specified fields, bets and the calculation of profit and loss for each transaction, where the specified unit is also a Feature of displaying bets and a feature of entering the price of a course (point) change and a bet amount on the keyboard. Terminal according to claim 1, characterized in that funds are transferred and debited to / from the user's account by means of software installed in the terminal. Terminal according to claim 1, characterized in that, in order to facilitate access to the terminal, it is additionally provided with a fingerprint control and authentication system. Terminal according to claim 1, characterized in that in order to handle the terminal, the latter is additionally equipped with a voice control system. Terminal according to claim 1, characterized in that the terminal is equipped with a device which allows to use a 3D image.

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