JP2007200310A - Real-time settlement system for securities, real-time settlement system for stock trading and real-time settlement device for securities - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To perform real-time settlement for securities with reduced settlement risk while completing the settlement only between a security company and a customer. <P>SOLUTION: The real-time settlement system for stock trading 100 comprises a user terminal 1, a trading server 2 for receiving order information and a stock-board server 3 for trading stocks. The trading server 2 includes a stock quotation DB, a rule DB, customer information DB, an order information confirming means, a placing order memory means, a trading data making memory means, and a trading result reflecting means. The stock-board server 3 includes a trading information DB, a stock-board registering means, a stock-board information making means, and an executing means. In order for the real-time settlement system to make a T+O real-time settlement possible, an exclusive account is opened at a security company. Further, in order to make a stock certificate itself transferable on a real-time basis, user's stock is deposited at the security company. Thus, trading is carried out within the deposited stock and the balance of cash, balance data can be renewed on a real time basis to avoid the occurrence of nonfulfillment of the settlement. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a securities immediate settlement system, a stock immediate settlement system, and a securities immediate settlement device, and more particularly to a securities immediate settlement system, a stock immediate settlement system, and a securities immediate settlement device that perform stock settlement at T + 0.

In conventional securities trading, settlement is performed by a settlement organization different from a securities company. In this case, as referred to as T + 3, the price or securities are delivered and settled on the 4th business day from the order. In other words, the customer takes a method of transferring money to a securities company or transferring money from his / her account to the account of the securities company by 4 business days after the sale is completed.
JP 2002-63515 A

As mentioned above, in traditional securities trading, there was a time difference of 4 business days between transactions and settlements.
(1) Credit risk: If the financial situation deteriorates and payment is not made, the transaction amount may not be received now or in the future.
(2) Operational risk: When settlement is difficult due to administrative errors or system failures.
(3) Legal risk: When legal relations arise with settlement such as rules for insolvency.
There was a settlement risk.

  In addition, due to the absence of Real Time Gross Settlement (RTGS), transactions of the same brand on the same delivery date, which is the difference settlement, were prohibited from the viewpoint of settlement risk.

  Patent Document 1 presents a new settlement system and method that avoids settlement risk and does not cause the seller to generate new labor.

  In this system, using direct debit as a means of immediate settlement, when receiving a withdrawal request message from the seller, immediately without notice to the buyer, this message and between the seller and buyer recorded in advance in the information recording means The contents of the agreement are collated, and if the collated contents match, the corresponding amount is immediately withdrawn from the buyer's account.

  However, in this system, since a third party called a bank is involved, not only is it necessary to transmit information, but also the credit risk (1) exists.

  In view of the above problems, an object of the present invention is to enable immediate settlement of securities with a settlement risk reduced while finishing settlement only between a securities company and a customer.

  In order to solve the above-mentioned problems, the present invention provides a transaction server that accepts order information including brands, quantities, limits and trading categories of securities that can be electronically settled, and a board that performs securities transactions related to the order information. A securities immediate settlement system configured to communicate with a server and perform immediate settlement of securities transactions, wherein the transaction server includes a first storage unit and a first processing unit, The storage section of the securities information including the unit price and quotation information of marketable securities, the rule information including the unit price and quantity of the securities, and the customer information including the balance information of cash and securities in the customer account And the first processing unit stores the securities information, the rule information, and the customer information stored in the first storage unit, and the brand, quantity, and limit included in the received order information. And buying and selling Order information confirmation means for confirming whether or not the order information is appropriate, and the order information when the order information confirmation means confirms that the order information is appropriate. Order information transmission means for transmitting to the board server, and based on the contract name, quantity, amount and trading category included in the contract message indicating that the securities transaction related to the order information has been received, received from the board server Transaction result reflecting means for updating the customer information stored in the first storage unit, and the board server includes a second storage unit and a second processing unit, Storage unit stores board information including the price of securities for each brand, the quantity of sell orders corresponding to the price, and the quantity of buy orders, and the second processing unit stores the second storage. Sales in the board information stored in the department Plate information creating means for adding the order information quantity received from the transaction server to the quantity of the order or buy order according to the trading category, and storing the board information creating means, and the order information added in the board information, When there is other corresponding order information, the order information quantity is deleted from the sell order quantity and the buy order quantity in the board information stored in the second storage unit, and the sell and buy A contract means for creating the contract message related to the order information and transmitting it to the transaction server.

  According to this configuration, since the securities transactions are performed between the customers within the range of the customer's cash and securities balance information stored in advance in the transaction server, the balance information is updated in real time after the contract is executed. Make a payment (immediate payment). Further, depending on the operation of the securities immediate settlement system, securities transactions can be made day and night, and instant settlement can be performed, which is convenient for customers and can activate the securities transactions.

The present invention is also a securities immediate settlement system, wherein the order information confirmation unit of the transaction server refers to balance information of a customer account included in the customer information stored in the first storage unit. In this case, the minimum value is used as the balance that can be handled among the balance information after the day of the order.
According to this configuration, the balance information of the customer account uses the minimum value of the balance information after the day of the order, so it can be handled in the immediate settlement transaction on the day of the order regardless of after the ordinary transaction or the immediate settlement transaction. The balance of cash and securities.

The present invention is also a securities immediate settlement system, wherein the contract means of the board server sets the same contract number for the corresponding sell and buy contract messages, respectively, and sets the sell and buy contract messages. When it is transmitted to the transaction server, the first processing unit of the transaction server receives a contract message from the board server, and the same contract number as the contract message is set and a corresponding contract message is received. In addition, the transaction result reflecting means updates the customer information stored in the first storage unit.
According to this configuration, the transaction server checks the contract number and ensures the consistency between the corresponding sell and buy contract messages, ensuring the performance of the settlement process, and the settlement is completed at the same time as the contract. Occurrence of payment default can be prevented. As a result, it is possible to maintain consistency between the execution of the board server and the settlement of the transaction server.

The present invention is also a securities immediate settlement system, wherein the securities are stocks.
In addition, the present invention provides a customer terminal owned by a customer who wants to buy and sell stock, a transaction server that stores stock transactions, and a board server that performs the stock transactions, which are connected via electronic communication means. An immediate stock settlement system to perform, wherein the customer terminal
Including input means for inputting order information including buying and selling of the desired stock, and browsing means for browsing predetermined information provided from the trading server and the board server. A stock price database storing stock price information; a rule database storing rules as rule data; and a customer information database storing customer information as customer information including the customer's account as account information And order information confirmation means for collating and confirming the stock price information, the rules and the customer information and the order information, and storing the order information and placing the order information with respect to the plate server Order registration storage means, wherein the board server registers the ordered order information with respect to the transaction board, and registration Determining whether there is matching information that is an order from another customer corresponding to the order information registered in the plate information, plate information creating means for creating the plate information including the order information, In some cases, the transaction information includes contract means for executing the order information and the corresponding information and creating a contract message for the transaction server, and the transaction server further generates and stores transaction data based on the contract message Transaction data creation and storage means, and transaction result reflection means for updating the customer information while settlement the account information of the customer stored in the customer information database based on the transaction data, To do.
According to this configuration, it is possible to reduce the settlement risk by performing immediate gross settlement only between the securities company and the customer.

In addition, the present invention accepts order information including brands, quantities, limits and trading categories of securities that can be electronically settled, performs securities transactions related to the order information, and performs immediate settlement of securities transactions. An immediate securities settlement apparatus, comprising a storage unit and a processing unit, wherein the storage unit includes securities information including unit prices and quotation information of marketable securities and transaction units of unit prices and quantities of securities. Rule information, customer information including the balance information of cash and securities in the customer account, and board information including the price of securities for each brand, and the quantity of sell orders and the quantity of buy orders corresponding to those prices And the processing unit compares the securities information, the rule information, and the customer information stored in the storage unit with the brand, quantity, limit price, and trading category included in the received order information. ,in front Order information confirmation means for confirming whether or not the order information is appropriate, and order information output means for outputting the order information when the order information confirmation means confirms that the order information is appropriate; The board information creation for adding the quantity of the order information input from the order information output means to the quantity of the sell order or the buy order in the board information stored in the storage unit according to the trading category and storing it And when there is other order information corresponding to the added order information in the board information, the order is determined from the quantity of the sell order and the quantity of the buy order stored in the board information stored in the storage unit. In addition to deleting the quantity of information, showing that the securities transaction related to the sell and buy order information has been completed, create a contract message containing the contract name, quantity, amount and trading category, And a transaction result reflecting means for updating the customer information stored in the storage unit on the basis of the contract brand, quantity, amount and trading category included in the contract message input from the contract means. It is characterized by providing.
According to this configuration, since the function of the transaction server and the function of the board server are realized by the same device, it is possible to reduce the installation space of the device that enables immediate settlement of securities. Moreover, since communication between servers is unnecessary, a series of processing time from order receipt to settlement can be shortened.

The present invention is also a securities immediate settlement apparatus, wherein the securities are stocks.
The “limit” in the scope of claims indicates the price of a trading order for securities. “Indication information” in the scope of claims indicates information regarding the order status of how to buy and sell securities. “Plate information” in the scope of claims indicates information related to the order status of securities by brand. In addition, the problems disclosed in the present application and the solutions thereof will be clarified by the column of the best mode for carrying out the invention and the drawings.

  According to the present invention, it is possible to reduce settlement risk by performing immediate gross settlement only between a securities company and a customer.

  Furthermore, it is possible to escape from the complicated settlement system peculiar to securities called T + 3, which leads to simplification of surplus calculation and the like, and it is possible to broaden the customer base.

  In addition, since immediate gross settlement is performed for a transaction that has been set as a difference settlement, it is possible to perform the transaction without a difference settlement.

  Hereinafter, an immediate stock settlement system (securities securities immediate settlement system) according to an embodiment of the present invention will be described with reference to the drawings.

FIG. 1 is an overall configuration diagram of the stock immediate settlement system of the present embodiment.
Stock stock settlement system 100 according to the present embodiment has customer terminals 1 ₁ ... 1 _m possessed by customers who use this system, transaction server 2 that stores information related to stock transactions, and receives order information related to stock transactions. The board server 3 which receives the order information and performs stock trading is connected via the Internet (electronic communication means) 4.

The customer terminals 1 ₁ ... 1 _m may use any device that can connect to the Internet 4 such as a desktop computer, a notebook computer, a mobile phone, and a PDA (Personal Digital Assistant).

Moreover, the transaction server 2 and the board server 3 are servers installed on the securities company side, and may be operated by two or more servers or integrated and operated as one server (stock immediate settlement apparatus). It doesn't matter. Even if the board server 3 is connected to the transaction server 2 and data transmission / reception between the board server 3 and the customer terminals 1 ₁ ... 1 _m is performed via the transaction server 2, the present system can be realized. .

FIG. 2 is an internal block diagram of customer terminals 1 ₁ ... 1 _m .
When using this system, the customer terminal 1 ₁ ... 1 _m specifies the order price (limit), selects transactions such as the number of stocks ordered, physical purchases, credit purchases, etc. Browsing to browse various information transmitted from the transaction server 2 or the board server 3 with the input means 11 for performing registration and opening an account or logging in to use the system Means 12. The input unit 11 is realized by a keyboard, a mouse, a touch panel, or the like. The browsing means 12 is realized by a display or the like.

FIG. 3 is an internal configuration diagram of the transaction server 2.
The transaction server 2 includes a customer account opening means 21 for opening a customer account for using the system, a customer authentication means 22 for authenticating login of the customer terminals 1 ₁ ... 1 _{m to} the system, and an established customer. The customer information DB 26 storing customer information including the account information of the customer and the personal corporation information DB 30 referred to when opening the customer account are included.

Further, when placing an order from the customer terminal 1 ₁ ... 1 _m , the order information confirmation means 23 for confirming whether or not the order information related to the stock transaction from the customer is appropriate, and the stock transaction performed at the witness time in the market. Received from the customer terminal 1 ₁ ... 1 _m , the stock price DB 24 storing stock price information including each stock price and quotation information, the rule DB 25 storing rule information indicating predetermined trading rules for each brand, and the customer terminal 1 ₁ . Order order storage means (order information transmission means, order information output means) 27 for receiving the received order information as order information 30A, transmitting the order information to the board server 3, and receiving an acceptance response from the board server 3; including.

  Further, in order to perform settlement processing after the stock transaction is performed, the transaction data is created based on the established stock transaction data (contract message) received from the board server 3, and stored as the transaction data 30B. Data creation storage means 28 and transaction result reflection means 29 for reflecting the transaction results in the customer information DB 26 are included. Note that the term “contract” refers to the establishment of stock trading related to order information.

  Transaction server 2 includes a first processing unit and a first storage unit (not shown). The first processing unit includes customer account opening means 21, customer authentication means 22, order information confirmation means 23, order order storage means 27, transaction data creation storage means 28, and transaction result reflection means 29. The first processing unit is realized by a CPU (Central Processing Unit) executing a program stored in a predetermined memory. The first storage unit includes a stock price DB 24, a rule DB 25, a customer information DB 26, a personal corporation information DB 30, order information 30A, and transaction data 30B. The first storage unit is realized by a nonvolatile storage device such as a hard disk device or a flash memory.

  FIG. 4 is a diagram illustrating a configuration of a DB included in the transaction server 2. As shown in FIG. 4A, the customer information DB 26 includes customer attribute information 261, customer additional information 262, account balance information 263, and customer transaction information 264. The customer attribute information 261 is information indicating customer attributes, and includes an address, date of birth, insider information (such as related parties of listed companies) and the like. The customer additional information 262 is information added to the customer by the present system, and includes a login ID, a password, a transaction code number, and the like. The account balance information 263 is information indicating the balance of the account held by the customer, and includes cash balance transition, stock balance transition, and the like. The customer transaction information 264 is information related to the stock transaction of the customer, and includes order information indicating the content and state of the order, transaction history, and the like.

  As shown in FIG. 4B, the personal corporation information DB 30 includes attention target person information 301 and prospective customer information 302. The attention target person information 301 is personal corporation information (customer black list) of a target person who needs attention and monitoring. The prospective customer information 302 is personal corporation information of an applicant for opening an account.

  As shown in FIG. 4C, the order information 30A includes an order number 30A1, a brand 30A2, the number of shares 30A3, a limit 30A4, a trading category 30A5, a trading category 30A6, an execution condition 30A7, and the like. The order number 30A1 is a number assigned to the order information received by the transaction server 2, and is a number unique to the order information 30A. Information after 30A2 is included in the received order information. The brand 30A2 is a name of a stock to be traded. The number of shares 30A3 is the number of shares to be bought and sold. The limit price 30A4 is a value that designates the stock price to be traded, but “marketing” that means that the stock price is not designated can also be set. The trade section 30A5 designates selling or buying. Transaction classification 30A6 designates spot transaction or credit transaction. The execution condition 30A7 specifies the execution time of the order, but can also be unspecified.

  As shown in FIG. 4D, the transaction data 30B includes a contract 30B1, the number of shares 30B2, an amount 30B3, a contract date and time 30B4, a trade category 30B5, a transaction category 30B6, and the like. The contract brand 30B1 is a brand for which stock trading has been established. The number of stocks 30B2 is the number of stocks for which stock trading has been established. The amount 30B3 is the amount of money for sale (contract unit price). The contract date 30B4 is the date / time / minute / second at which the stock transaction was established. The sales division 30B5 indicates selling or buying. The transaction classification 30B6 indicates a spot transaction or a credit transaction.

The order information confirmation unit 23 compares the received order information with the stock price information stored in the stock price DB 24, the rule information stored in the rule DB 25, and the customer information stored in the customer information DB 26, and the order information is correct. Check if it exists.
First, the order information is checked against the stock price information, and it is confirmed whether or not the limit price is within the range of the price limit.
Next, the order information is checked against the rule information, whether the stock is not a trading stop stock, whether the number of shares is an integral multiple of the trading unit, whether the limit is specified in the quotient unit, or the trading amount based on the number of shares / stock price. Check if it is within the amount.
In addition, the order information is checked against the customer information, and in the case of buying, within the range of the customer's surplus for the brand, number of shares, and limit (the balance obtained by subtracting the cash balance of the surplus of ordinary transactions from the balance that has not yet been delivered) Check if it exists. In addition, in the case of selling, it is confirmed whether or not it is within the range of the customer's deposit balance (excluding items that have not been delivered).

FIG. 5 is an internal configuration diagram of the board server 3.
The board server 3 on which stock trading is actually performed includes the board registration means 31 for storing the order information received from the trading server 2 in the trade information DB 36 and the order information 36A stored by the board registration means 31 for each stock. It includes board information creating means 32 for creating board information 36B indicating the order status of a transaction, and order information change deleting means 33 for changing or deleting order information 36A already stored in the transaction information DB 36.

  In addition, when the board information 36B is checked and the stock transaction is completed, the contract information 36C relating to the establishment of the stock transaction is stored in the transaction information DB 36, and a contract message indicating that the stock transaction is established is created, 2 includes a means for transmitting 34.

Incidentally, the plate information 36B created through the transaction server 2, the input of the request for viewing from the customer terminal 1 ₁ ... 1 _m of the input means 11 is transmitted to the customer terminal 1 ₁ ... 1 _m, the customer terminal 1 ₁ ... _{Can be} browsed by 1 _m browsing means 12.

  The board server 3 includes a second processing unit and a second storage unit (not shown). The second processing unit includes a plate registration unit 31, a plate information creation unit 32, an order information change deletion unit 33 and a contract unit 34. The second processing unit is realized by the CPU executing a program stored in a predetermined memory. The second storage unit includes a transaction information DB 36. The transaction information DB 36 includes order information 36A, board information 36B, and contract information 36C. The second storage unit is realized by a nonvolatile storage device such as a hard disk device or a flash memory.

FIG. 6 is a diagram illustrating a configuration of a DB included in the board server 3. As shown in FIG. 6A, the order information 36A includes an order number 36A1, a brand 36A2, a number of shares 36A3, a limit 36A4, a buying / selling section 36A5, a trading section 36A6, and an execution condition 36A7. Since each element is the same as each element of the order information 30A in FIG. 4C, description thereof is omitted.
As shown in FIG. 6B, the board information 36B is composed of a sale quantity 36B1, a price 36B2, and a purchase quantity 36B3 for each brand. The sale quantity 36B1 indicates the number of shares of the brand for which a sale order with a price 36B2 has been placed. The price 36B2 indicates the stock price of the brand for which a sell or buy order has been placed. The buy quantity 36B3 indicates the number of shares of the brand for which a purchase order with a price 36B2 has been issued. FIG. 6B shows that, for example, there is a selling order of 2000 shares at 1005 yen. Here, for example, if the board server 3 receives order information for selling 1000 shares at the limit of 1005 yen for the same brand, the selling quantity 36B1 corresponding to the price 36B2 of 1005 yen is "3000" (= 2000 + 1000). . The board information usually includes the number of selling orders and buying orders, but the description thereof is omitted here.
As shown in FIG. 6C, the contract information 36C includes an order number 36C1, contract number 36C2, contract brand 36C3, number of shares 36C4, amount 36C5, contract date and time 36C6, trade classification 36C7, and transaction classification 36C8. . The order number 36C1 is the order number of the order information for which stock trading has been established. The contract number 36C2 is a unique number assigned to each contract, and is used to determine that a sell order and a buy order have come together. Accordingly, the same contract number 36C2 is set in the sales order contract information 36C and the corresponding buy order contract information 36C. Since each element after the contracted brand 36C3 is the same as each element of the transaction data 30B in FIG. 4D, description thereof will be omitted.

FIG. 7 is a flowchart showing the operation of this system.
In this system, the contract date = delivery date / time, that is, in order to enable T + 0 immediate settlement, an account for immediate settlement transaction is opened in a securities company. It is also assumed that the customer's stock is deposited with a securities company so that the securities themselves can be delivered immediately. Thereby, since the transaction is performed within the range of the stock and cash balances deposited from the customer, the balance data can be updated in real time, and settlement failure can be prevented.

If the customer needs to open an account (Yes in step S101), an account is opened to the transaction server 2 in order to use this system. In this case, the customer terminals 1 ₁ ... 1 _m first connect to the transaction server 2 via the Internet 4 and receive the customer account opening screen data from the customer account opening means 21. Then, according to the customer account opening screen displayed on the browsing means 12, information indicating that a customer account is desired to be opened is input to the input means 11 and transmitted to the transaction server 2.

  When the customer account opening means 21 receives information indicating that it wishes to open a customer account, and there is no error in comparing with the target person information 301 and the prospective customer information 302 stored in the personal corporation information DB 30, The fact that the customer account has been opened is stored in the customer information DB 26 of the transaction server 2 (step S102). Here, the target person information 301 is a black list of customers, the prospective customer information 302 is a list of customers who have already applied for account opening, and the customer list is collated with information regarding customers who wish to open an account. If not, it is judged that there is no flaw. If the account has been opened (No in step S101), it is not necessary to open a customer account, and the process proceeds to customer authentication for determining whether the customer is the principal.

The customer authentication means 22 receives the authentication information (ID, password, etc.) for authenticating the customer input from the input means 11 of the customer terminal 1 ₁ ... 1 _m , and the customer information of the customer contained in the customer DB 26 Authentication is carried out by checking (step S103). If the authentication is correct (Yes in S103), the process proceeds to the next step. If it is not correct (No in S103), the log-in to this system is terminated as not permitted.

Authentication information is legitimate, after logging in to the system is performed by the input of the read request, the stock information from the stock DB 24, rule information is transmitted from the rules DB25 to the customer terminal ₁ 1 ... 1 _m. Stock price information is stock information for each stock, such as stock prices that evaluate the closing price of the market, quote information (contract price, trading volume information), etc., and the rule information is various rules regarding transactions when using this system. It is. Examples of the rule information include setting of trading stocks (including deposit dates due to stock splits, restrictions on delivery dates, etc.), trading units, trading hours, reflection of regulations in exchange trading, and the like. Further, the input of the read request, reserve capacity balance in the customer account each customer owned is transmitted from the customer information DB26 to the customer terminal ₁ 1 ... 1 _m.

  This surplus balance is information on customer assets including cash and securities deposited in the customer account, trading margin in margin transactions, traded open interest, and the like.

These pieces of information are confirmed by being displayed on the browsing means 12 of the customer terminals 1 ₁ ... 1 _m , and the order desired by the customer is input to the input means 11 as order information (step S104). The order information includes a spot transaction (buy or sell) or a general credit transaction (new or repayment), the number of shares ordered, a limit price, or the like.

In the transaction server 2 that has received the order information, the order information confirmation means 23 determines whether or not the order information is appropriate (step S105). That is, it is determined whether or not the order information is appropriate with reference to the stock price information, rule information and customer information. The specific determination method is as already described in the description of the order information confirmation unit 23. If the order information is not appropriate (No in S105), the trade server 2, for example, when insufficient margin shortage and balances, reserve capacity balance error, when not apply along the rule information, an order error respective customer terminal 1 ₁ ... 1 _m (step S106) and waits for receiving order information.

FIG. 10 is a diagram showing a balance check performed by the order information confirmation unit 23. FIG. 10A shows a balance check after a conventional ordinary transaction (exchange transaction). First, when conducting only ordinary transactions, that is, when checking the balance for ordinary transactions after ordinary transactions, in principle, after T + 3 (four business days after the contract date = delivery date) (see solid arrows) ) Balance (cash delivered and number of shares delivered) is used for available cash and available shares. In this case, there is no problem because the balance after the delivery is reflected is used. Next, when checking the balance for an immediate settlement transaction after a normal transaction, take into account the balance after the T (contract date) (see the dashed arrows) (delivered cash, number of shares delivered, and transaction status) ) Is used for available cash and available shares. In this case, since the delivery is performed at T + 3 because it is after a normal transaction, the balance after T will increase or decrease around T + 3, but by adopting the minimum value of the balance, the number of available cash and the number of shares that can be sold Can be determined.
FIG. 10B shows the balance check after the immediate settlement transaction is performed. After performing an immediate settlement transaction, T (contract date) becomes the delivery date, so the balance (cash delivered and number of shares delivered) is fixed after T, so the balance check for ordinary transactions or the immediate settlement transaction Regardless of the balance check for, the available cash and the number of shares available for sale will be the same.
Note that the balance information shown in FIGS. 10A and 10B is stored in the account balance information 263 of the customer information DB 26 in a state where a normal transaction and an immediate settlement transaction are mixed. The

  Returning to FIG. 7, when the order information is appropriate (Yes in S105), the order order storage means 27 orders the order information for the board server 3 and stores it as the order information 30A (step S107). ). The stored order information 30A is reflected in the customer transaction information 264 of the customer information DB 26.

The board server 3 that has received the order information normally confirms whether or not the current time is within the transaction time of this system since the transaction time is determined for the transaction (step S108). If it is within the transaction time (Yes in step S108), it is confirmed whether or not the received order information is a new order (step S109). If it is a new order (Yes in step S109), the board registration means 31 registers the order information as order information 36A in the transaction information DB 36 of the second storage unit (step S110). The board information 36B is information for registering order information issued by each customer and for browsing by each customer. All the ordered order information 36A is registered in the board information 36B, the board information 36B is created by the board information creating means 32 (step S111), and the board information 36B is completed. Specifically, the stock number 36A3 of the order information 36A is added to the selling quantity 36B1 or the buying quantity 36B3 in the board information 36B in accordance with the trading category 36A5 and stored. The finished plate information 36B, by browsing request from the customer terminal 1 ₁ ... 1 _m is inputted from the input unit 11, or by voluntary operation of the plate information creation unit 32, the customer terminal 1 ₁ ... 1 _m It is transmitted to (step S112). At the customer terminals 1 ₁ ... 1 _m receiving the board information, the browsing means 12 displays the board information.

  In order for a stock transaction to be established, it is essential that there is order information corresponding to certain order information (a sell order for a buy order and a buy order for a sell order). For this reason, the contract means 34 confirms whether there is corresponding order information (step S113). Processing when there is matching order information (Yes in step S113) will be described later using the flowchart of FIG. When there is no corresponding order information (No in step S113), the board server 3 waits for receiving the order information.

If the current time is not within the transaction time (No in S108), the board server 3 returns a message indicating an overtime error to the transaction server 2 (step S114). In this case, the transaction server 2 receives the message from the board server 3 and transmits the message to the customer terminals 1 ₁ ... 1 _m that received the original order information. Customer terminals 1 ₁ ... 1 _m receive the message from transaction server 2 and display it on the display. As a result, the customer recognizes that it is out of business hours. The processing of the board server 3 when the transaction time ends will be described later using the flowchart shown in FIG.

If the order information is not a new order (No in step S109), it is determined whether or not there is an original order to be changed or deleted (step S115). When there is original order of the change or deletion requested (Yes in step S115), the information in the leaf server 3, the order information changing deleting unit 33, which is input by the customer terminal 1 ₁ ... 1 input means 11 of the _m Based on this, the order information of the corresponding customer is changed or deleted (step S116), and the registration to the board information 36B and the creation of the board information 36B are performed again (step S111).

If there is no original order to be changed or deleted (No in step S115), the board server 3 returns a message indicating an acceptance error to the transaction server 2 (step S117). In this case, the transaction server 2 receives the message from the board server 3, transmits the message to the customer terminals 1 ₁ ... 1 _m that received the original order information, and waits for receiving the order information. Customer terminals 1 ₁ ... 1 _m receive the message from transaction server 2 and display it on the display. Accordingly, the customer recognizes that the order information has not been accepted by the board server 3.

  FIG. 8 is a flowchart showing the contract processing when there is corresponding order information in this system.

  As described above, a contract is established when there is corresponding order information. That is, it is established when there is an order for selling for buying and buying for selling. Here, the trading price determination method that can be carried out by PTS (Proprietary Trading System) includes market price trading method (selling using trading price of exchange), negotiation method between customers ( Customers buy and sell at a price agreed with each other), customer order matching method (buying and selling when there is a limit that matches the limit presented by the customer), buying and selling quote presentation method (the securities company presents the selling and buying quotes) , Buying and selling using prices based on these), and auction method (similar method to an exchange).

  Upon confirming the corresponding order information, the contracting means 34 contracts the corresponding order information (step S201), and then deletes the contracted order information from the board information 36B to the board information creating means 32, A trigger is given to execute the process of step S111 of FIG. In parallel with the processing, the contract means 34 creates a contract message and transmits it to the transaction server 2 (step S202). Then, the contracted order information is deleted from the board information 36B, and the contracted order information and the contracted date and time (the contents of the contract telegram) are stored in the contract information 36C of the transaction information DB 36 (step S203). Thereby, the contract processing in the board server 3 is completed. The contract message has the same configuration as the contract information 36C in FIG.

  Here, a specific example of deleting the contracted order information from the board information 36B will be described. In the board information 36B of FIG. 6B, for example, when 1500 shares are sold for a stock price of 1003 yen, 1500 shares are subtracted from the sell quantity 36B1 and the buy quantity 36B3 corresponding to the price 36B2 of 1003 yen. As a result, in the board information 36B after the contracted order information is deleted, the selling quantity 36B1 corresponding to the price 36B2 of 1003 yen is 0 shares, and the corresponding buying quantity 36B3 is 1500 shares.

On the other hand, in the transaction server 2 that has received the contract message, the transaction data creation storage means 28 creates and stores the transaction data 30B based on the contract message (step S204). The transaction data 30B is a customer account ledger, a security deposit book, a transaction diary, an order slip, etc. including the contents shown in FIG.
Then, the transaction result reflection unit 29 updates the customer information DB 26 including the remaining balance of the customer based on the transaction data 30B to a state in which payment is made immediately (step S205). In the update of the customer information DB 26, based on the contract name 30B1, the number of shares 30B2, the amount 30B3, the contract date 30B4, the trading category 30B5 of the transaction data 30B, etc. Update the H.264 contract details.
Here, before executing the process of step S <b> 204, the first processing unit of the transaction server 2 checks the contract number included in the contract message received from the board server 3. That is, for a certain contract number, it is confirmed whether or not both the contract telegram of the sell order and the contract telegram of the buy order have been received. If both have been received, the processing of steps S204 and S205 is executed. If one has been received and the other has not been received, the process of steps S204 and S205 is executed after the other is received. According to this, the execution of the settlement process is ensured by ensuring the consistency of the contract message, and the settlement is completed at the same time as the contract, so it is possible to prevent the settlement default.
As shown in Fig. 10, whether or not you have a balance of cash or stock (excluding undelivered portion in ordinary transactions) that can be used for immediate settlement transactions when you receive an order from a customer Since there is no check, there will be no shortage of balance after the transaction is executed.

FIG. 9 is a flowchart showing the processing when the transaction time has elapsed in this system.
When the transaction time elapses, confirmation of the transaction performed within the transaction time in the present system and resetting of the board information are performed.

  The board server 3 outputs the contract information 36C stored in the transaction information DB 36 as a contract verification file (step S301). Next, the order information change deletion means 33 deletes the unordered order information from the board information 36B (step S302). Then, the output contract collation file and the transaction data 30B stored by the transaction data creation storage unit 28 of the transaction server 2 are collated by the transaction result reflection unit 29 (step S303). As a result of matching, if the agreement matching file and the transaction data 30B are not consistent, an error is output. Further, the final result after the transaction is reflected in the customer information DB 26 by the transaction result reflecting means 29 (step S304).

Incidentally, stock DB 24, rule DB 25, the customer's own customer information including the reserve capacity balance stored in the customer information DB 26, and the plate information 36B is a view request inputted from the customer terminal ₁ 1 ... _{1 m} of the input means 11, It is transmitted from the transaction server 2 and the board server 3 as needed to the customer terminals 1 ₁ ... 1 _{m and} can be displayed by the browsing means 12.

Although the best mode for carrying out the present invention has been described above, the above embodiment is intended to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention can be changed and improved without departing from the gist thereof, and equivalents thereof are also included in the present invention.
For example, although the above embodiment has been described with respect to an immediate settlement transaction for stocks, it can be applied to an immediate settlement transaction for securities that can be electronically settled. Here, “electronic payment is possible” means that payment is possible by exchanging electronic data.
Further, for example, the immediate settlement transaction described above can be applied not only to a spot transaction but also to a general credit transaction. In that case, the transaction server 2 is provided with a securities company information DB in addition to the customer information DB 26. The securities company information DB stores the purchase funds used by the customer for general credit transactions, the balance information of the stock certificates sold, and the loan limit information thereof. When using the general margin transaction, the customer can receive the loan of the purchased funds or the stock certificates for sale up to the amount indicated by the loan limit information stored in the securities company information DB. When the loan is received, the stock company or the selling price is inserted into the securities company.
Specifically, the transaction server 2 judges from the contract message received from the board server 3, and transfers the securities from the securities company information DB to the customer information DB 26 of the other party of the customer who uses the general credit transaction (hereinafter referred to as a customer). The balance information of the DB is updated so that the purchase funds or stock certificates to be lent to the customer are transferred by the company. Then, the balance information in the DB is updated so that the stock certificate or the selling price that the securities company should receive from the customer is transferred from the customer information DB 26 of the other party of the customer to the securities company information DB.
Thus, in the general credit transaction, the transaction server 2 performs settlement by updating the customer information DB 26 and the securities company information DB of the customer other than the customer customer DB 26 of the customer. The loan limit is checked by referring to the loan limit information in the securities company information DB at the time of placing an order. The event of stagnation does not occur.

1 is an overall configuration diagram of the present system according to an embodiment of the present invention. It is an internal block diagram of the customer terminal based on embodiment of this invention. It is an internal block diagram of the transaction server based on embodiment of this invention. It is a figure which shows the structure of DB which the transaction server 2 which concerns on embodiment of this invention has, (a) shows the structure of customer information DB26, (b) shows the structure of personal corporation information DB30, (c ) Shows the configuration of the order information 30A, and (d) shows the configuration of the transaction data 30B. It is an internal block diagram of the board | plate server based on embodiment of this invention. It is a figure which shows the structure of DB which the board server 3 which concerns on embodiment of this invention has, (a) shows the structure of order information 36A, (b) shows the structure of board information 36B, (c) Indicates the configuration of the contract information 36C. It is a flowchart which shows the process from order to preparation of board information based on embodiment of this invention. It is a flowchart which shows the process at the time of a contract based on embodiment of this invention. It is a flowchart which shows the process after transaction time progress based on embodiment of this invention. It is a figure shown about the balance check which the order information confirmation means 23 based on embodiment of this invention performs, (a) shows the balance check after performing the conventional ordinary transaction (transaction of an exchange), (b ) Shows the balance check after an immediate settlement transaction.

Explanation of symbols

100 Stock immediate settlement system (securities immediate settlement system)
1 Customer terminal 2 Transaction server 3 Board server 4 Internet (electronic communication means)
DESCRIPTION OF SYMBOLS 11 Input means 12 Browsing means 21 Customer account opening means 22 Customer authentication means 23 Order information confirmation means 24 Stock price DB
25 Rule DB
26 Customer information DB
27 Order order storage means (order information transmission means, order information output means)
28 Transaction data creation storage means 29 Transaction result reflection means 30 Personal corporation information DB
30A Order information 30B Transaction data 31 Board registration means 32 Board information creation means 33 Order information change deletion means 34 Contract means 36 Transaction information DB
36A Order information 36B Board information 36C Contract information

Claims (7)

A trading server that accepts order information including the brand, quantity, limit and trading category of securities that can be settled electronically, and a board server that conducts securities trading related to the order information are configured to be able to communicate with each other. A securities immediate settlement system that performs immediate settlement of
The transaction server includes a first storage unit and a first processing unit,
The first storage unit
Securities information including unit price and quote information of marketable securities;
Rules information including the unit price and quantity trading unit of securities;
Customer information, including cash and securities balance information in the customer account;
Remember
The first processing unit includes:
The order information is obtained by comparing the securities information, the rule information, and the customer information stored in the first storage unit with a brand, a quantity, a limit, and a trading category included in the received order information. Order information confirmation means for confirming whether it is appropriate,
Order information transmission means for transmitting the order information to the plate server when the order information is confirmed to be appropriate by the order information confirmation means;
Based on the contract name, quantity, amount, and trading category included in the contract message indicating that the securities transaction related to the order information has been received, received from the board server, the stored in the first storage unit A transaction result reflecting means for updating customer information;
With
The board server includes a second storage unit and a second processing unit,
The second storage unit is
Stores board information including the price of securities for each brand, the quantity of sell orders corresponding to that price, and the quantity of buy orders,
The second processing unit includes:
Plate information creation for storing the quantity of the order information received from the transaction server in addition to the quantity of the sell order or the quantity of the buy order in the board information stored in the second storage unit according to the trading category Means,
In the board information, when there is other order information corresponding to the added order information, the order is determined from the quantity of the sell order and the quantity of the buy order stored in the board information stored in the second storage unit. A contract means for deleting the quantity of information, creating the contract message related to the order information of the sell and buy, and transmitting to the transaction server;
An immediate settlement system for securities. The securities immediate settlement system according to claim 1,
The order information confirmation means of the transaction server is:
When referring to the balance information of the customer account included in the customer information stored in the first storage unit, among the balance information after the day of the order, the minimum value is used as a balance that can be handled. Securities immediate settlement system. The securities immediate settlement system according to claim 1 or claim 2,
The contract means of the board server sets the same contract number for the corresponding sell and buy contract messages, and transmits the sell and buy contract messages to the transaction server,
In the first processing unit of the transaction server, when the contract message is received from the board server and the same contract number as the contract message is set and the corresponding contract message is received, the transaction result reflecting means Updates the customer information stored in the first storage unit. The securities immediate settlement system according to any one of claims 1 to 3,
The securities immediate settlement system, wherein the securities are stocks. A stock instant settlement system in which a customer terminal owned by a customer who wants to buy and sell stock, a trade server that stores stock trades, and a board server that carries out the stock trades are connected via electronic communication means, and instant settlement is performed. There,
The customer terminal is
Input means for inputting order information including buying and selling of the desired stock;
Browsing means for browsing predetermined information provided from the transaction server and the board server,
The transaction server is
A stock price database that stores stock price information about stock prices in the market;
A rule database storing rules as rule data;
Including a customer account as account information, a customer information database storing information about the customer as customer information;
Order information confirmation means for confirming the stock price information, the rules and the customer information against the order information;
Order order storage means for storing the order information and placing an order for the order information with respect to the plate server;
The board server is
Board registration means for registering the ordered order information with respect to the transaction board;
Board information creating means for creating board information including the registered order information;
It is determined whether there is matching information that is an order from another customer corresponding to the order information registered in the board information, and if there is, the order information and the corresponding information are executed and the transaction server A contract means for creating a contract message for
The transaction server further comprises:
Transaction data creation storage means for creating and storing transaction data based on the contract message;
A stock immediate settlement system, comprising: a transaction result reflecting unit that settles the account information of the customer stored in the customer information database based on the transaction data and updates the customer information. It is an immediate securities settlement device that accepts order information including the brand, quantity, limit and trading category of securities that can be settled electronically, performs securities transactions related to the order information, and performs immediate settlement of securities transactions. And
A storage unit and a processing unit;
The storage unit
Securities information including unit price and quote information of marketable securities;
Rules information including the unit price and quantity trading unit of securities;
Customer information, including cash and securities balance information in the customer account;
Board information including the price of securities for each issue, the quantity of sell orders corresponding to that price, and the quantity of buy orders;
Remember
The processor is
The order information is appropriate by comparing the securities information, the rule information, and the customer information stored in the storage unit with the brand, quantity, limit, and trading category included in the received order information. Order information confirmation means for confirming whether or not,
Order information output means for outputting the order information when the order information is confirmed to be appropriate by the order information confirmation means;
Plate information creating means for adding the quantity of the order information inputted from the order information output means to the quantity of the sell order or the buy order in the board information stored in the storage unit according to the trading category and storing it. When,
In the board information, when there is other order information corresponding to the added order information, the quantity of the order information from the quantity of the sell order and the quantity of the buy order in the board information stored in the storage unit A contract means for creating and outputting a contract message including a contract name, quantity, amount and trading category, indicating that the securities transaction related to the order information of the sell and buy has been completed,
Transaction result reflecting means for updating the customer information stored in the storage unit, based on the contract brand, quantity, amount and trading category included in the contract message input from the contract means;
A securities immediate settlement apparatus characterized by comprising: The securities immediate settlement apparatus according to claim 6,
The securities immediate settlement apparatus, wherein the securities are stocks.

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