KR100403990B1 - Simulated stock dealing service method and service system thereof - Google Patents

Abstract

The virtual stock trading service method enables customers to gain experience in real investment by trading virtual stock equivalent to the real market with guaranteed interest and principal with the rights of bank products and receive high dividend according to the return on investment. Is initiated.

The virtual stock trading service method includes the steps of: (a) storing deposit data for each bank account created by a customer in a bank's fixed rate product, and (b) within the scope of the bank account; Opening a securities account in the bank and storing the opened securities account data in a securities account ledger database; and (c) within the amount of the customer's subscription to the predetermined deposit product through a securities company server during the term of the virtual stock transaction. Performing a virtual stock transaction subject to the exemption tax, and (d) sending the statistical data including the return on investment to the bank server when the term of the virtual stock transaction is terminated at the securities company server, and (e) the bank server. A predetermined dividend of investment determined on the basis of statistical data received in accordance with step (d) above with principal and contract interest A characterized in that it comprises the step of processing the deposit to the bank ledger database.

According to the present invention, it is possible to gain experience for real investment by trading virtual stocks equivalent to the real market while guaranteeing the fixed interest and principal, and to receive high dividends according to the return on investment of virtual stock trading, and the customer has virtual stocks. Even if you lose money due to a transaction, you can provide a virtual stock trading service to secure the original interest and principal.

Description

Simulated stock dealing service method and service system

The present invention relates to a virtual stock trading service method that can be understood as a new securities business model over the Internet. More specifically, the present invention relates to a virtual market equivalent in which a customer has the right of a bank product that is guaranteed a fixed interest and principal. By trading in stocks, you can gain experience for real investments, receive high dividends according to the return on investment of virtual stock trading, and secure the initial interest and principal even if the customer loses due to virtual stock trading. It is about a virtual stock trading service method that can participate in the virtual stock trading with confidence because it can.

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

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

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

The technical problem to be achieved by the present invention is to obtain experience for real investment by trading virtual stocks equivalent to the actual market while having the right of the bank products that the customer is guaranteed interest and principal, and the return on investment of virtual stock trading , You can receive high dividends, and even if the customer loses due to the virtual stock trading, you can secure the initial interest and principal, so you can participate in the virtual stock trading service with confidence It is.

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

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

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

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

In order to achieve the above object, the virtual stock trading service method according to the present invention is a virtual stock trading service method for providing a virtual stock trading service to a plurality of customers over the Internet, comprising: (a) customers joining a fixed rate product of a bank; Storing deposit data for each bank account opened in a bank account ledger database of a bank server; (b) opening a securities account within the scope of the bank account according to a customer's request to open a securities account and storing the opened securities account data in a securities account ledger database of a securities company server; (c) conducting a virtual stock transaction to which an implementation tax is applied within a limit of an amount subscribed to by the customer through the securities company server during the term of the virtual stock transaction; (d) sending, by the securities company server, statistical data including the return on investment to the bank server when the contract term of the virtual stock transaction ends; And (e) depositing, at the bank server, a predetermined investment dividend determined based on the statistical data received according to step (d) together with the principal and the contract interest in the bank account database. do.

Alternatively, step (d) and step (e) are determined based on the return on investment according to step (c) together with the principal and the contract interest when the contract period of virtual stock trading ends at the (d) securities company server. Depositing a predetermined investment dividend in the securities account ledger database; And (e) sending statistical data, including the deposit processing result and the return on investment, to the bank server.

In addition, the fixed rate product of the bank is preferably selected from a recruitment fund for virtual stock trading, short-term financial products, term deposits, and housing subscription deposits.

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

In addition, the investment dividend More preferably, it is determined based on the above.

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

In addition, the virtual stock trading service method further comprises the step of a brokerage company receives a predetermined fee according to the virtual stock trading of the customer.

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

In addition, step (c) comprises the steps of (c-1) accepting orders from customers; (c-2) the securities company server sending the order received from the customer; (c-3) the virtual stock trading server receiving data on the quotation and the trading volume from the stock exchange trading execution system; And (c-4) the virtual stock trading server attempting a transaction according to the order, and when the transaction is concluded, storing the settlement acceptance data informing that the order has been concluded in the order execution database and sending the result to the securities company server. It is preferable.

In addition, the computer readable recording medium according to the present invention for achieving the above another object is a computer readable recording medium for storing program codes for performing a virtual stock trading service method for providing a virtual stock trading service to a plurality of customers over the Internet A method comprising: (a) storing, in a bank account ledger database of a bank server, deposit data for each bank account opened by customers joining a fixed rate product of a bank; (b) opening a securities account within the scope of the bank account according to a customer's request to open a securities account and storing the opened securities account data in a securities account ledger database of a securities company server; (c) conducting a virtual stock transaction to which an implementation tax is applied within a limit of an amount subscribed to by the customer through the securities company server during the term of the virtual stock transaction; (d) sending, by the securities company server, statistical data including the return on investment to the bank server when the contract term of the virtual stock transaction ends; And (e) depositing, at the bank server, a predetermined investment dividend determined based on the statistical data received according to step (d) together with the principal and the contract interest in the bank deposit ledger database. And storing program codes for performing a service method.

In addition, the virtual stock trading service system according to the present invention in order to achieve the above another object is a virtual stock trading service system for providing a virtual stock trading service to a plurality of customers over the Internet, the customers subscribe to the fixed rate products of the bank A bank server for storing deposit data for each bank account opened in a predetermined bank account database; A customer computer that sends an order for a customer to perform a virtual stock transaction; Receives data on quotations and trading volumes from the stock exchange trading system, attempts to trade according to the order, and when the transaction is concluded, stores the acceptance data indicating that the order has been placed in the order execution database and sends the result to the securities company server. Virtual stock trading server; And when the contract term of the virtual stock transaction ends, deposit a predetermined investment dividend based on the return on investment together with the principal and the contract interest to a predetermined account ledger database, and send statistical data including the return on investment to the bank server. Securities company server for sending; characterized in that it comprises a.

In addition, the securities firm server sends the statistical data including the return on investment to the bank server when the contract term of the virtual stock transaction is over, the bank server predetermined investment dividend determined based on the statistical data received with the principal and contract interest It is desirable to process the deposit into the predetermined bank account ledger database.

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

1 is a block diagram showing the structure of a virtual stock trading service system according to an embodiment of the present invention. Referring to FIG. 1, a virtual stock trading service system according to an exemplary embodiment of the present invention includes a customer computer 102, a bank server 104, a securities company server 106, and a virtual stock trading server 108 connected to the Internet 100. ). The bank server 104 also has a bank ledger database 104a that stores and manages the customer's deposit account data. In addition, the securities firm server 106 includes a securities account ledger database 106a that stores and manages securities account data. In addition, the virtual stock trading server 108 has an order execution database 108a and is connected to the stock exchange trading execution system 110 to receive data including a quotation and a trading amount. In addition, as shown in FIG. 1, the securities firm server 106 may be directly connected to the virtual stock trading server 108. The securities firm server 106 may also include a virtual stock trading server 108.

2 illustrates a virtual stock trading service method according to an embodiment of the present invention performed in the virtual stock trading service system as described above. Referring to FIG. 2, first, a bank server 104 allows customers to subscribe to a fixed rate product of a bank, such as, for example, a recruitment fund for a virtual stock transaction, a short term financial instrument, a term deposit, and a home offer deposit. As a result, the bank data stored in each bank account is stored in the bank ledger database 104a of the bank server 104 (step 202).

Next, when a customer requests to open a securities account for virtual stock trading according to the method according to the present invention, the securities company opens a bank account for virtual stock trading by opening a securities account for virtual stock trading to the customer. .

Now, a securities account is opened within the scope of the bank account and the opened securities account data is stored in the securities account ledger database 106a of the securities company server 106 (step 204). As a result, the securities firm server 106 may open the securities account within the scope of the bank account according to the customer's request to open the securities account and store the opened securities account data in the securities account ledger database 106a of the securities firm server 106. have.

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

As a procedure for performing a virtual stock transaction, the securities firm server 106 receives an order from a customer (step 206) and sends an order received from the customer to the virtual stock trading server 108 (step 208).

The virtual stock trading server 108 receives data on the quotation and the trading volume from the stock exchange trading execution system 110, attempts to trade according to the order, and when the transaction is concluded, the virtual stock trading server 108 confirms that the order has been concluded. Inform stores the settlement acceptance data in the order execution database 108a and sends the result to the securities firm server 106 (step 210). As a result, the virtual tax that the tax is applied within the limit of the amount that the customers subscribed to the predetermined deposit product through the securities company server 106 for a contract term of the virtual stock transaction, for example, 2, 3, 6 months or 1 year. Stock trading Here, the brokerage company may receive a predetermined fee according to the virtual stock transaction of the customer.

Meanwhile, when the contract term of the virtual stock transaction ends, the securities company server 106 sends statistical data including the return on investment to the bank server 104 when the contract term of the virtual stock transaction ends (step 212), and the bank server 104. ) Deposits a predetermined investment dividend, based on the statistical data received in accordance with the step with principal and contract interest, into the bank ledger database 104a (step 214). In this case, the bank directly determines investment dividends, and securities firms do not need to be directly involved in the allocation of investment dividends.

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

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

Also, alternatively, step 212 and step 214 may be determined that the securities firm server 106 is determined based on the return on investment of the virtual stock transaction according to steps 206 to 210 with principal and contract interest. Depositing an investment dividend in the securities account ledger database 106a and sending statistical data, including the deposited result and return on investment, to the bank server 104. This has the advantage that banks do not need to be directly involved in the allocation of investment dividends.

An operation example will be described to help understand the virtual stock trading service method as described above. In this example, the number of subscription customers is set to 10,000, and the amount of subscriptions per person is set to 10 million won. In other words, the total deposit amount is assumed to be 100 billion won. In addition, it is assumed that the fixed interest rate for the deposit product according to the present invention is 4%, the customer average dividend payment rate is 3%, and the fixed interest rate for general term deposit is 8%. For reference, examples of the detailed operation results are shown in Table 1 below.

% Of customers with positive ROI Total Dividends Dividends and interests according to the virtual stock trading method according to the present invention Interest on Time Deposit Average dividend per capita Interest per capita sub Total 10% 3 billion won 3 million won 400,000 won 3.4 million won 800,000 won 20% 3 billion won 1.5 million won 400,000 won 1.9 million won 800,000 won 30% 3 billion won 1 million won 400,000 won 1.4 million won 800,000 won 40% 3 billion won 750,000 won 400,000 won 1.15 million won 800,000 won 50% 3 billion won 600,000 won 400,000 won 1 million won 800,000 won 60% 3 billion won 500,000 won 400,000 won 900,000 won 800,000 won 70% 3 billion won 430,000 won 400,000 won 830,000 won 800,000 won 80% 3 billion won 370,000 won 400,000 won 770,000 won 800,000 won 90% 3 billion won 330,000 won 400,000 won 730,000 won 800,000 won 100% 3 billion won 300,000 won 400,000 won 700,000 won 800,000 won

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

For example, if dividends are given according to Equation 1 above, and the number of customers with a positive return on investment accounts for 20% of the total number of customers, the customer with a final investment balance of 15 million won for the virtual stock transaction is 10 million won. (Investment principal) + 400,000 won (interest) + 3.75 million won (dividend) = 1415 million won can be paid. In addition, if the number of customers with a positive return on investment accounts for 20% of the total number of customers, the customer with a final investment balance of 6 million won from the virtual stock transaction will be 10 million won (invested capital) + 400,000 won (interest) = 1,040 million won. Can be paid.

The customer who participates in the virtual stock trading according to the virtual stock trading service method as described above has the experience for real investment by trading virtual stock equivalent to the real market under the risk-free environment where the interest of interest and the principal are guaranteed with the rights of bank products. There is an advantage that you can earn high dividends depending on the return on investment of virtual stock trading. In addition, even if the customer loses due to the virtual stock trading, since the first committed interest and principal can be secured, the customer can safely participate in the virtual stock trading. In addition, banks can increase their receipts by attracting new customers by introducing new deposit products that provide services of a virtual stock trading system while guaranteeing fixed interest and principal to customers. It is possible to find new sources of revenue.

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

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

As described above, according to the present invention, it is possible to gain experience for real investment by trading virtual stock equivalent to the actual market while guaranteeing the interest and principal of the bank product to the customer. Therefore, you can receive high dividends, and even if the customer loses due to virtual stock trading, you can secure the initial interest and principal, so you can participate in virtual stock trading with confidence. to provide.

Claims (16)

In the virtual stock trading service method for providing a virtual stock trading service to a plurality of customers over the Internet, (a) storing, in a bank account ledger database of a bank server, deposit data for each bank account opened by the customer by subscribing to the bank's fixed rate product; (b) opening a securities account within the scope of the bank account according to a customer's request to open a securities account and storing the opened securities account data in a securities account ledger database of a securities company server; (c) conducting a virtual stock transaction to which an implementation tax is applied within a limit of an amount subscribed to by the customer through the securities company server during the term of the virtual stock transaction; (d) sending, by the securities company server, statistical data including the return on investment to the bank server when the contract term of the virtual stock transaction ends; And (e) depositing, at the bank server, a predetermined investment dividend determined based on the statistical data received according to step (d) together with the principal and the contract interest in the bank account database. Virtual Stock Trading Service Method. The method of claim 1, wherein step (d) and step (e) (d) depositing a predetermined investment dividend in the securities account ledger database together with the principal and contract interest when the contract term of the virtual stock transaction is terminated at the securities company server; And (e) sending statistical data, including the result of the deposit and the return on investment, to the bank server. According to claim 1, wherein the fixed rate product of the first financial sector, A virtual stock trading service method, characterized in that it is selected from a recruitment fund, a short-term financial instrument, a term deposit, and a housing deposit for virtual stock trading. The method of claim 1, wherein the investment dividend is The virtual stock trading service method, characterized in that determined based on the ratio of the return and investment amount to the return and investment amount of the total virtual stock trading customers. The method of claim 4, wherein the investment dividend is The virtual stock trading service method, characterized in that determined based on. The method of claim 1, wherein the investment dividend is The virtual stock trading service method, characterized in that even if a negative profit is generated, the dividend is not negatively allocated to guarantee the initial interest rate and the principal to the customer. The method of claim 1, The securities company further comprises the step of receiving a predetermined fee according to the virtual stock trading of the customer. The method of claim 1, wherein step (c) comprises: Virtual stock trading service method characterized in that through the securities company branches and call centers. The method of claim 1, wherein step (c) comprises: Virtual stock trading service method characterized in that it is made through an internet site operated by a securities company. The method of claim 1, wherein step (c) comprises: (c-1) receiving an order from a customer; (c-2) the securities company server sending the order received from the customer; (c-3) the virtual stock trading server receiving data on the quotation and the trading volume from the stock exchange trading execution system; And (c-4) the virtual stock trading server attempts to trade according to the order, and when the transaction is concluded, storing the settlement acceptance data indicating that the order has been concluded in the order execution database and sending the result to the securities company server. Featured virtual stock trading service method. A computer readable recording medium storing program codes for executing a virtual stock trading service method for providing a virtual stock trading service to a plurality of customers through the Internet, (a) storing, in a bank account ledger database of a bank server, deposit data for each bank account opened by the customer by subscribing to the bank's fixed rate product; (b) opening a securities account within the scope of the bank account according to a customer's request to open a securities account and storing the opened securities account data in a securities account ledger database of a securities company server; (c) conducting a virtual stock transaction to which an implementation tax is applied within a limit of an amount subscribed to by the customer through the securities company server during the term of the virtual stock transaction; (d) sending, by the securities company server, statistical data including the return on investment to the bank server when the contract term of the virtual stock transaction ends; And (e) depositing, at the bank server, a predetermined investment dividend determined based on the statistical data received according to step (d) together with the principal and the contract interest in the bank deposit ledger database. A computer readable recording medium storing program codes for performing a method. The method of claim 11, wherein step (d) and step (e) (d) depositing a predetermined investment dividend in the securities account ledger database together with the principal and contract interest when the contract term of the virtual stock transaction is terminated at the securities company server; And (e) sending statistical data, including the deposited result and the return on investment, to a bank server; The fixed interest rate product of claim 1, wherein A computer readable recording medium, characterized in that it is selected from recruitment funds, short-term financial instruments, term deposits, and home offer deposits for virtual stock trading. The method of claim 11, wherein the investment dividend is And a computer readable recording medium determined according to the description. In the virtual stock trading service system for providing a virtual stock trading service to a plurality of customers over the Internet, A bank server for storing deposit data for each bank account opened by the customers by subscribing to a fixed rate product of a bank in a predetermined bank account database; A customer computer that sends an order for a customer to perform a virtual stock transaction; Receives data on quotations and trading volumes from the stock exchange trading system, attempts to trade according to the order, and when the transaction is concluded, stores the acceptance data indicating that the order has been placed in the order execution database and sends the result to the securities company server. Virtual stock trading server; And When the contract term of the virtual stock transaction ends, deposit the predetermined investment dividend determined based on the return on investment together with the principal and the contract interest to the securities account ledger database, and send statistical data including the return on investment to the bank server. A securities company server; comprising a virtual stock trading service system. The method of claim 15, The securities firm server sends the statistical data including the return on investment to the bank server when the contract term of the virtual stock trading ends, And the bank server deposits a predetermined investment dividend in the predetermined bank deposit ledger database based on statistical data received together with principal and contract interest.