JP2005100052A - Securities transaction intermediary system and its method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a securities transaction intermediary system and its method for allowing an investor to easily acquire the field of securities transaction, and to perform securities transaction in more familiar places. <P>SOLUTION: This system is constituted of a Web server for presenting content corresponding to the request of a customer from a store terminal set in a store, and for receiving customer order information, a depositing/withdrawing money server for performing depositing/withdrawing of money and balance inquiry of the account of the customer to a financial institute server, an order management server for transmitting buying and selling order information to a transaction place server based on the customer order information, and for receiving agreement information and a broker management server for transmitting and receiving information related to a margin with a broker server system based on the agreement information. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a system and a method for mediating the buying and selling of securities such as stock certificates and bonds.

As is well known, securities brokerage brokers can buy and sell securities such as stock certificates and receivables through a law amending part of the Securities and Exchange Law, etc., enacted in 2003. As a result, advisors such as tax accountants and financial planners who are close to the investor's position will be able to mediate transactions between customers and securities companies, which is expected to increase the opportunities for securities transactions.
As an opportunity to expand securities trading, for example, it is expected that brokerage brokerage will be conducted in a place that can be easily used by investors such as convenience stores. Therefore, there may be a problem that it is difficult to deal with such as having to register a salesclerk who handles customers at each store as a securities sales representative.
In this way, there are only a limited number of places where investors can conduct securities transactions, although it is expanded more than before.

On the other hand, many proposals have been made regarding online trade performed via a communication line such as a telephone line or the Internet (see, for example, Patent Documents 1, 2, and 3). However, since all of these online trades are direct connections between investors and securities companies, customers who are unfamiliar with securities companies have a sense of resistance to using the present invention. It was not intended to expand the market for securities transactions.
JP 2002-329066 A JP 2003-233720 A Japanese Patent Laid-Open No. 2003-242351

  The present invention seeks to provide a securities transaction brokerage system and method thereof that can easily obtain a place for securities trading for investors and thereby perform securities trading in a more familiar place. It is.

  The securities transaction brokerage system according to the present invention causes a storefront terminal to present required contents in response to a customer request received via a broker server system from a storefront terminal installed in a store such as a convenience store. A web server for receiving customer order information including information related to buying and selling of securities sent from the terminal, a deposit / withdrawal server for depositing / withdrawing the customer's securities account recorded in the customer database, and the received customer Based on the order information, the trading order information is sent to the exchange server system, the order management server for receiving the contract information from the exchange server system, and the customer order information transmitted from the storefront terminal to the Web server are stored. Fees related to the broker server system based on the contract information from the exchange server system Composed of the intermediary management server for sending and receiving information.

  When the securities transaction brokerage system according to the present invention confirms that the account balance of the customer recorded in the customer database satisfies the amount necessary for securities trading included in the customer order information, the order management server It is configured to send trading order information to the exchange server.

  On the other hand, the securities transaction mediation method according to the present invention provides the storefront with the required content in accordance with the customer display request information sent via the broker server system from the store terminal installed in the store operated by the broker. The process of presenting to the terminal, the process of receiving customer order information including information related to customer securities trading sent from the storefront terminal, and the account balance of the customer recorded in the customer database are read and sent from the storefront terminal. The process of determining whether there is an account balance necessary to execute information related to securities trading included in the customer order information received, and when it is determined that the account balance is appropriate for the securities trading amount, Corresponding to the process of sending trading order information to the exchange server system based on the securities trading information of the customer order information and the trading order information sent to the exchange server system And receiving and receiving information about the fee based on the received contract information between the process of receiving the contract information and the broker server system storing the customer order information transmitted from the store terminal. .

  Since the securities transaction brokerage system of the present invention can perform securities transactions from a storefront terminal installed in a store such as a convenience store, it is familiar without feeling resistance to securities companies like online trading. Securities transactions can be conducted from a store such as a convenience store. Also, recent convenience stores, etc. are equipped with ATMs connected to financial institution servers, so even if there is a shortage of account balances managed by securities companies and securities transactions cannot be made, securities accounts on the spot It is possible to carry out the deposit processing to the securities, and it is possible to carry out securities transactions more easily.

  On the other hand, for stores with storefront terminals, the store clerk does not deal with customers, but provides a place for transactions by connecting investors and securities companies through store terminals. Therefore, it is no longer necessary to have a person who has registered as a sales representative. Then, register the franchise headquarters such as a convenience store as a securities brokerage agent, and the person in charge at the headquarters will register the securities sales affairs. By sending information to the server at the head office, storing it, and managing the information at the head office, brokerage fees can be settled between the head office, which is a brokerage broker, and the securities company, making it easy for convenience stores, etc. You can participate in this system and plan to increase customers.

  As shown in FIG. 1, a terminal and a server or a server system in a securities transaction brokerage system according to an embodiment of the present invention include a storefront terminal 11 installed in a store 10 such as a convenience store, and a broker who operates the broker. A server system 20, a securities company server system 30 operated by a securities company, an exchange server system 40 operated by a securities exchange, a financial institution server system 50 operated by a financial institution, and a securities storage and transfer agency This is a storage transfer organization server system 60. Each terminal and server or server system are connected as shown in the figure via a dedicated line or VPN.

  A storefront terminal 11 installed in a store 10 such as a convenience store is provided for use by customers (in the present invention, it is also an investor). Preferably, the store 10 in which the storefront terminal 11 is installed is provided with an ATM 12 connected to the financial institution server system 50. The broker server system 20 includes an operation center server 21 and a data center server 22. The securities company server system 30 includes a Web server 31, a deposit / withdrawal server 32, an order management server 33, a deposit / withdrawal server 34, an intermediary management server 35, a customer database 36, and a content database 37.

  The operation center server 21 of the broker server system 20 is basically used to connect the storefront terminal 11 and the securities company server system 30. When the customer request information D1 sent from the storefront terminal 11 is customer order information (D3), which will be described later, the storefront terminal 11 sends this customer order information to the data center server 22, which causes the data center server 22 to perform an intermediary procedure. Manage the fees incurred by.

  The Web server 31 of the securities company server system 30 calls the required content from the content database 37 in accordance with the customer request information D1 sent from the store terminal 11, and passes through the operation center server 21 of the broker server system 20. While the content D2 is transmitted to the store terminal 11 for presentation, customer order information D3 including information related to buying and selling of the customer's securities sent from the store terminal 11 is received and recorded in the customer database 36. The deposit / withdrawal server 32 deposits / withdraws the customer's securities account (D4) and records the result in the customer database 36. The order management server 33 reads the received customer order information D3 from the customer database 36, and based on this, sends the purchase order information D5 to the exchange server system 40, while receiving the contract information D6 from the exchange server system 40 and the customer. Record in database 36. The loading / unloading server 34 reads the contract information D6 from the customer database 36, and based on this, sends / receives the storage transfer information D7 including information related to storage / delivery of securities to the storage transfer organization server system 60. The broker management server 35 reads the contract information D6 from the customer database 36, and transmits / receives information D8 related to the fee to / from the data center server 22 of the broker server system 20 based on the contract information D6.

  The flow of securities transactions of the securities transaction brokerage system of the present invention configured as described above will be described below with reference to FIG.

  When a customer who is an investor goes to a store 10 where a nearby storefront terminal is installed and instructs the storefront terminal 11 to display content relating to securities transactions, the storefront terminal 11 operates the broker server system 20. The request information D1 is sent to the Web server 31 of the securities company server system 30 via the center server 21 (S1). The Web server 31 reads the content D2 corresponding to the request information D1 from the content database 37 (S2), and sends it to the store terminal 11 for presentation (S3). This content is not particularly limited and will not be described in detail. However, this content corresponds to data that will be used as a reference when conducting securities transactions, or information that requires input of information necessary for securities transactions.

  When the customer order information D3 including information for the customer to buy and sell securities is sent from the store terminal 11 (S4), the Web server 31 records the customer order information D3 in the customer database 36 (S5). When the customer order information D3 is recorded, the order management server 33 inquires the balance of the customer's securities account stored in the customer database 36, and the account balance places a trade order indicated by the customer order information D3. It is determined whether or not the necessary amount is satisfied (S6).

  When the account balance satisfies the purchase order required amount, the order management server 33 sends the purchase order information D4 to the exchange server system 40 of the stock exchange (S7) and records it in the customer database 36 (S8). At the same time, the order management server 33 presents the receipt of the order to the storefront terminal 11 via the Web server 31 and the operation center server 21 (S9). On the other hand, if the account balance does not satisfy the purchase order requirement amount, the order management server 33 informs the customer of the store terminal 11 via the Web server 31 and the operation center server 21 that the account balance is insufficient. Notification is made (S10). At this time, the customer can use the ATM 12 installed in the store to replenish the shortage by performing a deposit procedure to the securities account (D5).

  When the sale is completed, execution information D6 is sent from the exchange server system 40 to the order management server 33 (S11). The order management server 33 records the received contract information D6 in the customer database 36 (S12). When the contract information D6 is recorded, the loading / unloading server 34 sends the storage transfer information D7 required by the contract information D6 to the storage transfer organization server 60 (S13), and requests storage or transfer of the securities. On the other hand, the deposit / withdrawal server 32 performs deposit / withdrawal processing corresponding to the contract information D6 and records it in the customer database 36. When withdrawal to the bank account of the customer occurs, withdrawal information (D5) is sent to the financial institution server 50 to perform withdrawal processing (S14) and recorded in the customer database 36 (S15).

  The broker management server 35 reads the brokerage fee to be paid to the broker from the customer database 36 (S16), and may be real time or every other day, and the data center of the broker server system 20 Information D8 relating to the fee is sent to the server 22 (S17). The data center server 22 compares the received information D8 with the information sent from the storefront terminal 11 each time an order is made, and performs settlement.

  In the above description, various information in the securities company server system has been described as being processed once after being recorded in the database. However, the time relationship between the processing based on each information and the recording in the database is other than that. It will be readily understood by those skilled in the art that, for example, processing and recording can be performed in parallel at the same time, or can be recorded after processing.

  In addition, the server and database configurations have been described so that different servers and databases are used for functionally different ones. However, these are not necessarily mechanically provided separately, but mechanically. The same server can have a plurality of server functions. On the other hand, it has been explained that the respective servers are installed inside the broker server system and the brokerage server system. However, if necessary, some of them can be taken out or commissioned to function in the same way. It is clear.

It is a figure which shows the outline | summary of the securities transaction mediation system by the Example of this invention. It is a flowchart of the system shown in FIG.

Explanation of symbols

10 Convenience stores, etc. 11 Store terminals 12 ATM
DESCRIPTION OF SYMBOLS 20 Broker server system 21 Operation center server 22 Data center server 30 Securities company server system 31 Web server 32 Deposit / withdrawal server 33 Order management server 34 Entry / exit server 35 Broker management server 36 Customer database 37 Content database 40 Exchange server 50 Finance Institution server 60 Storage transfer institution server D1 Customer request information D2 Content D3 Customer order information D4 Deposits and withdrawals and balance inquiry D5 Trade order information D6 Contract information D7 Storage transfer information D8 Information about fees

Claims (3)

Concerning the buying and selling of securities sent from the storefront terminal, the required content is displayed on the storefront terminal in response to the customer's request received from the storefront terminal installed in the store such as a convenience store via the broker server system. A web server for receiving customer order information including information;
A deposit / withdrawal server for depositing / withdrawing the customer's securities account recorded in the customer database;
An order management server for sending trading order information to the exchange server system based on the received customer order information and receiving execution information from the exchange server system;
An intermediary management server for sending and receiving information on fees based on the contract information from the exchange server system with the intermediary server system for storing customer order information transmitted from the storefront terminal to the Web server Securities brokerage system.   When the order management server confirms that the account balance of the customer recorded in the customer database satisfies the amount necessary for the securities trading included in the customer order information, the order management server sends the trading order information to the exchange server system. The securities transaction intermediary system according to claim 1, which is sent. A process of presenting required content on the storefront terminal in accordance with customer display request information sent via the brokerage server system from the storefront terminal installed in the store operated by the broker,
The process of receiving customer order information, including information related to the buying and selling of customer securities sent from the storefront terminal;
A process of reading the account balance of the customer recorded in the customer database and determining whether there is an account balance necessary for executing information related to securities trading included in the customer order information sent from the storefront terminal;
When it is determined that the account balance is appropriated for the trading amount of securities, the process of sending trading order information to the exchange server system based on the securities trading information of the customer order information;
Receiving contract information corresponding to the trade order information sent to the exchange server;
A securities transaction mediation method comprising a step of transmitting and receiving information on a fee based on the received contract information with a broker server system for storing customer order information transmitted from the store terminal.

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