KR100616201B1 - System for automatic buying and selling of securities providing deposit/draw money at any time - Google Patents

Abstract

In the present invention, when funds are deposited into a securities company account through a user's deposit or payroll transfer, the beneficiary certificate is automatically purchased in the order previously designated by the user without a user's request. The present invention relates to a system for providing instant deposit and withdrawal and automatic debit service of a securities company account using automatic sales of beneficiary certificates by automatically repurchase and paying the beneficiary certificates. .

The automatic beneficiary certificate trading system of the present invention includes a data communication unit for performing input of deposit and withdrawal data, a beneficiary certificate purchasing selection database, a beneficiary certificate database, period information for each beneficiary certificate, transaction information database, and current purchase price information of beneficiary certificates. A control unit for controlling whether to purchase or sell beneficiary certificates when the deposit and withdrawal data is input through a value calculator and a data communication unit for calculating a present value of a beneficiary certificate of a user held in a securities company account; And a beneficiary certificate transaction processing unit.

Financial common network, securities company accounts, beneficiary deposits, withdrawals, and direct debits

Description

SYSTEM FOR AUTOMATIC BUYING AND SELLING OF SECURITIES PROVIDING DEPOSIT / DRAW MONEY AT ANY TIME}

1 is a block diagram schematically showing the configuration of a system for providing withdrawal and withdrawal of a securities company account using an automatic sale of beneficiary certificates according to the present invention;

2 is a block diagram showing a detailed configuration of a beneficiary certificate purchase system according to the present invention,

3 is a flow chart showing in detail the operation operation of the securities company account using the automatic purchase of beneficiary certificates according to the present invention;

4 is a block diagram showing a detailed configuration of a system for selling beneficiary certificates according to the present invention;

5 is a flow chart showing in detail the operation operation of the securities company account using the automatic selling of beneficiary certificates according to the present invention;

6 is a block diagram showing a detailed configuration of a beneficiary certificate trading system according to the present invention.

Explanation of symbols on the main parts of the drawings

100: securities company computer 210, 310, 410: data communication unit

220, 320, 420: control unit 230, 330, 430: memory unit

240: Beneficiary Certificate Buying Part 340: Beneficiary Certificate Selling Part

440: beneficiary certificates trading department 200: affiliated bank computer

200M: Beneficiary Certificate Purchase System 300: Bank Computer

300M: Beneficiary Certificate Selling System 400: Computer for Business

400M: Beneficiary Securities Trading System 500: Financial Common Network

The present invention relates to a securities company account management system capable of free trading of beneficiary securities, and more specifically, when funds are deposited into a securities company account through a user's deposit or payroll transfer, the funds are automatically set in a user-specified order without user's separate request. Purchases beneficiary certificates and automatically repurchases and pays the purchased beneficiary certificates upon user's withdrawal request or direct debit request, and enables users to freely withdraw, withdraw, pay, and settle payment services. It relates to an automatic trading system.

In general, each brokerage firm opens a virtual account linked to a securities company (ie, a consignment account) when a new user opens an account to trade stocks or futures options. Withdrawal and withdrawal from the bank is made possible through the virtual account opened in the partner bank.

At this time, users who have a consignment account may not withdraw or withdraw funds through affiliated banks and branches of other banks, automated teller machines (ATMs), or cash dispensers (CDs). It is of course possible to deposit and withdraw funds through (or CD).

On the other hand, if a user holding a brokerage account of a securities company wants to conduct trading of beneficiary certificates such as MMF, a separate beneficiary account should be opened in addition to the commissioning account.

In case of purchasing beneficiary certificates, transfer the funds from the consigned account to the newly opened beneficiary account, and then purchase the beneficiary certificates such as MMF based on the transferred amount, and if necessary, repurchase the purchased beneficiary certificates. After that, withdraw the funds directly from the beneficiary securities account through the securities company or transfer to the consignment account linked to the virtual account of the bank.

However, in the case of the conventional consigned account as described above, it was used only for the purpose of trading the beneficiary certificates or depositing and depositing of deposits at the user's request, and was unable to use payment services such as utility bill storage and card payment. In order to solve this problem, there was a problem in that the beneficiary purchased by the securities company was repurchased and cashed, and the funds were transferred to the utility billing account.

In addition, in order to trade beneficiary certificates, users should open a beneficiary account separately from the consignment account and transfer the funds held in the consignment account to the beneficiary account. Hassle has to be done separately.

In addition, in the past, withdrawal and withdrawal is possible only within the range of deposits held in the consignment account after the closing of the securities company or a holiday, there is a problem that does not help the user who needs emergency funds at all.

That is, a consignment account operated by a conventional securities company as described above is an account that can make an instant withdrawal and withdrawal like a general deposit of a bank by trading a beneficiary that can be repurchased immediately. With the deposit deposited in the account according to the transfer, the company automatically purchases various beneficiary certificates without a separate purchase application or requests for withdrawal according to the user's withdrawal request or various automatic debit requests such as utility bills, card charges, and communication charges. It does not provide any additional services, such as payment service and holiday withdrawal service, which automatically repurchases beneficiary certificates and automatically withdraws money.

In order to solve the above-mentioned problems, an object of the present invention is to automatically purchase a beneficiary certificate, such as MMF, by referring to a prioritized order without user's request when funds are deposited into a securities company account through user's deposit or payroll transfer. Securities using automatic sales of beneficiary certificates that enable users to freely withdraw, withdraw, pay, and make automatic payments by automatically repurchasing and paying purchased beneficiary certificates when a user's withdrawal request or direct debit is requested. It is to provide a system for providing direct deposit and withdrawal of a company account and direct debit service.

The above object of the present invention is a beneficiary certificate automatic purchase system that allows the user to freely purchase various beneficiary certificates through a securities company account using the amount entrusted by each user, and communicates with an ATM, a partner bank computer, and a plurality of bank computers. A data communication unit for inputting data related to the deposit using the securities company account, and a beneficiary purchase selection database for storing information on the types of beneficiary certificates that a user prefers to purchase. Retention beneficiary database for storing information, period information for each beneficiary certificate for storing the attribute including the time it takes for the selling amount of each beneficiary to withdraw cash in cash when each beneficiary certificate is sold, the day of each beneficiary certificate Revenue that shows the purchase price available for purchase on If deposit data is input through at least one storage unit and a data communication unit for storing volume price information and a transaction information database for accumulating and storing information on transactions of beneficiary certificates traded through the securities company account, the beneficiary certificates Generates data for buying a beneficiary certificate according to a control signal of the controller and the controller for generating a control signal for calculating the type and amount of the beneficiary certificate to be purchased and purchasing the money by referring to the purchase selection database and the beneficiary certificate price information. It is possible to achieve by the beneficiary certificate automatic purchase system, characterized in that it comprises a beneficiary certificate purchase unit for performing the purchase process.                         

Another object of the present invention is a system for selling beneficiary certificates, which allows users to freely sell various beneficiary certificates through a securities company account using the amount entrusted by each user, and communicates with ATMs, affiliated bank computers, and a plurality of bank computers. A data receiving unit for performing data processing related to withdrawal from the securities company account, and a database for holding beneficiary certificates which store information on beneficiary certificates held by the user, and the selling amount for each beneficiary certificate when the beneficiary certificates are sold. Period information for each beneficiary certificate that stores the attribute including the time required to withdraw cash, beneficiary price information indicating the purchase price that can be purchased on each day, and the beneficiary certificates traded through the securities company account. Transaction information database that accumulates and stores information about transactions. If withdrawal data is input through the data base and the beneficiary certificate value calculation unit that calculates the present value of the beneficiary certificate of the user held in the securities company account, A controller for generating at least one beneficiary certificate and generating a control signal for automatically selling the selected beneficiary certificate and a beneficiary seller for generating data for selling the beneficiary certificate according to the control signal of the controller and performing a selling process. Achievements can also be achieved by an automatic selling system of beneficiary certificates, which is provided.

A further object of the present invention is a beneficiary securities trading system that enables users to freely trade various beneficiary certificates through a securities company account using the amount entrusted by each user, and communicates with an ATM, an affiliated bank computer, and a plurality of bank computers. A data receiving unit for inputting data related to deposits and withdrawals using the securities company account, and a retained beneficiary database for storing information on beneficiary securities held by the user; Period information for each beneficiary certificate, which stores an attribute including the time required for withdrawal of cash by each selling amount, price information for each beneficiary certificate indicating the purchase price that can be purchased on the day, and transaction through the securities company account. To accumulate and store information on transactions of imported beneficiary certificates The beneficiary certificate purchase selection database when deposit data is input through a beneficiary value calculation unit and a data communication unit that calculates a present value of a beneficiary certificate of a user held in a securities company account; At least one beneficiary certificate in the holding beneficiary certificate database when withdrawal data is input through the first control signal and the data communication unit for determining the type and amount of the beneficiary certificate to be purchased with reference to the beneficiary certificate price information and purchasing the same; To generate a second control signal for automatically selling the selected beneficiary certificate, and generate and sell data for buying the beneficiary certificate or selling the selected beneficiary certificate according to the first control signal of the controller. Revenue Securities Marketing Department Achievement is also possible by the beneficiary certificate trading system characterized by including.

Before describing the present invention in detail with reference to the drawings will be defined for the term beneficiary certificates. Beneficiary certificates are securities that indicate the right to receive profits when a person trusts the operation of property to others. Beneficiary certificates of investment trusts and loan trusts of investment trusts, which are generally recognized as beneficiary certificates under the Securities and Exchange Act. Says pointing. Typical examples of beneficiary certificates include MMF (Money Market Funds), bond-type beneficiary certificates, stock-type beneficiary certificates, and convertible (or mixed) beneficiary certificates. Some cash will be available after that.

Hereinafter, with reference to the accompanying drawings will be described in detail the system for providing instant deposit and withdrawal and automatic transfer service of the securities company account using the automatic sale of beneficiary certificates of the present invention.

1 is a block diagram schematically showing the configuration of a service providing system using an automatic purchase of beneficiary certificates according to the present invention.

As shown, the securities firm computer 100 expands the use of a conventional securities company account for stock or bond trading at the user's request and automatically purchases beneficiary certificates previously designated by the user without the user's request. It issues a securities company account, and stores the securities company account information opened by each user and beneficiary securities selection information selected by the user for the automatic trading of beneficiary securities through the securities company account.

In addition, deposit data (for example, a user affiliates) from a partner bank computer 200 and another bank computer 300 to a corresponding securities company account through a securities company branch, an ATM (CD), or a financial cooperative network 500. When a deposit is made by using an ATM (CD) installed in a bank or another bank, or an automatic deposit such as payroll, etc.) is entered, a specific beneficiary certificate selected by the user is selected based on the funds deposited into the securities company account. We purchase automatically.

In this case, the above-described securities company computer 100 processes the funds deposited into the securities company account through the securities company branch, ATM (CD machine) or the financial common network 500 as a deposit until the predetermined time to purchase the beneficiary securities, revenue When a securities purchase time arrives or in real time, a deposit of a securities company account is held by a user, and when a securities company account is opened or a predetermined time has elapsed after opening a securities company account, a specific beneficiary security set by the user is purchased.

The affiliated bank computer 200 stores the virtual account information linked to the securities company accounts of each user opened in the securities company, and through the financial common network 500 the input / withdrawal data according to the user's input / withdrawal operation After outputting to the securities firm computer 100, the user is notified of the payment result or the payment under the control of the securities firm computer 100.

The plurality of bank computers 300 output the withdrawal data according to the user's withdrawal operation to the securities company computer 100 through the financial common network 500 and the affiliated bank computer 200, and the securities company computer 100 and the affiliated bank computer. Under the control of 200, the user who pays for the withdrawal is paid to the user.

The transfer target computer 400 is a computer operated by a credit card company, a utility company, a telecommunications company, and the like, and when a direct transfer date arrives according to a user's application for payment service through automatic transfer, alliance through a financial common network 500 The bank computer 200 outputs various automatic debit request data such as utility bills, card charges, and communication charges from a bank account of a specific user, and the result data is automatically transferred from the affiliate bank computer 200 to the user's securities company account. You will be notified.

2 is a block diagram showing a detailed configuration of a beneficiary certificate purchase system 200M according to the present invention.

The beneficiary certificate purchase system 200M includes a data communication unit 210, a controller 220, a beneficiary certificate purchase unit 240, and one or more memory units 230.

The data communication unit 210 is connected through a securities company branch, ATM (CD machine), affiliated bank computer 200, a plurality of bank computer 300 and / or financial common network 500, the control unit 220 According to the control of the user, the user inputs data related to the deposit using the securities company account.

The control unit 220 receives the deposit data from the securities company branch and ATM (CD machine), affiliated bank computer 200 and / or a plurality of bank computer 300 through the data communication unit 210 to the securities company account, On the basis of the funds, the beneficiary certificates purchase unit 240 controls to automatically purchase a specific beneficiary certificate set by the user at the time of opening a securities company account or after a predetermined time after the opening.

At least one memory unit 230 is a beneficiary certificate purchase selection database (hereinafter referred to as "DB") that stores information about the type of beneficiary certificates that the user wants to purchase, the beneficiary certificates currently held by the user of the securities company account DB of retained beneficiaries that stores a list of information, and information on when the beneficiary is cashed out when it is sold (for example, in case of MMF, it is possible to cash out on the same day. In case of cashing, it is possible to cash out on the 4th day, so the period information for each beneficiary certificate, which is set to "4", the deposit and withdrawal information of the securities company account owned by each user, and the information on the beneficiary purchase are accumulated and stored in real time DB of the transaction information DB and the beneficiary price information that is stored and received from the data communication unit 310 the purchase price that can be purchased on the same day for each beneficiary certificate Or store it in the form of a table.

The beneficiary certificate purchase unit 240 functions to purchase the beneficiary certificate using the deposit of the securities company account for each user under the control of the control means 210.

Next, a detailed flow of the automatic purchase of beneficiary certificates according to the present invention will be described with reference to FIG. Figure 3 is a flow chart illustrating in detail the operation operation of the securities company account using the automatic purchase of beneficiary certificates according to the present invention.

First, the user opens a securities company account and specifies the type of beneficiary certificates to be purchased (S100p). It is of course possible to set the type of beneficiary certificates after a certain period of time after opening a securities company account. The beneficiary certificate automatic purchase system 200M receives the beneficiary certificate selection information and stores it in the beneficiary certificate purchase selection DB of the memory unit 230 (S100). When money is deposited into a securities company account from a securities company branch, an ATM (CD), a partner bank computer 200, a plurality of bank computers 300, and / or a financial cooperative network 500 through a user or direct debit ( S110p), the deposit data is input to the data communication unit 210 and the control unit detects this (S110). Next, the beneficiary certificate automatic purchase system 200M selects the beneficiary certificate to purchase by referring to the beneficiary certificate purchase selection DB of the memory unit 230, and refers to the price information of each beneficiary certificate to determine the purchase price of the beneficiary certificate. It is made (S120). Using the information in step S120 to determine the purchase amount of the beneficiary certificates can be purchased with the incoming payment amount, and the remaining amount except the purchase amount of the beneficiary certificates of the deposit amount is processed as deposit (S130). At this time, when the deposit amount is less than a certain amount, for example, "10,000 won" or less, of course, it can be set not to process the beneficiary certificates. The controller 220 generates a control signal to purchase the selected beneficiary certificates by the purchase amount, and the beneficiary certificate purchase unit 240 purchases the beneficiary certificates in response to the control signal (S140), the holding beneficiary certificates DB and transactions By updating the information DB (S150), the purchase of the beneficiary certificate is completed.

4 is a block diagram showing the detailed configuration of the beneficiary certificate selling system 300M according to the present invention. The beneficiary certificate selling system 300M includes a data communication unit 310, a controller 320, a beneficiary certificate selling unit 340, one or more memory units 330, and a beneficiary certificate value calculating unit 350.

The data communication unit 310 is connected through a securities company branch, ATM (CD), affiliated bank computer 200, a plurality of bank computer 300 and / or financial common network 500, the control unit 320 Under the control of the user, the user inputs data related to withdrawal using the securities company account.

The control unit 320 is a data communication unit through the data communication unit 310 withdrawal data from the securities company branch and ATM (CD machine), affiliated bank computer 200 and / or a plurality of bank computer 300 to the securities company account If the user enters 310, the beneficiary certificate is selected to withdraw the amount requested by the user, and the beneficiary certificate seller 340 controls to automatically sell the specific beneficiary certificate.

The at least one memory unit 330 is a beneficiary certificate purchase selection DB that stores information on the type of beneficiary certificates that the user wants to purchase, and a holding beneficiary certificate DB that stores a list of beneficiary certificates currently held by the user of the securities company account. For example, information on the point at which it is cashed when it is sold by each beneficiary certificate (for example, in case of MMF, it can be cashed on the same day. Therefore, the transaction information DB that stores and accumulates in real time the period information for each beneficiary certificate, which is set to "4", the deposit and withdrawal information of the securities company account, and the information on the beneficiary purchase, which are stored by each user. The beneficiary certificate price information, which is obtained by receiving the purchase price from the data communication unit 310, is stored in the form of a DB or a table.

When the user wants to withdraw money from the securities company account, the memory unit 330 may further include beneficiary certificate sales selection information that allows the user to select the type of beneficiary certificate to be sold in the form of a DB or a table. have.

The beneficiary certificate seller 340 functions to sell the beneficiary certificate by using the deposit of the securities company account for each user under the control of the controller 320.

The beneficiary certificate value calculation unit 350 functions to calculate the present value of each beneficiary certificate currently held. Beneficiary certificates have the characteristic that the price of the day changes according to the change of economic indicators, and the value of the point of purchase and the point of sale will change according to these characteristics. Therefore, when selling, it is necessary to calculate the appropriate selling price by calculating the present value in advance.

A detailed flow of automatic selling of beneficiary certificates according to the present invention will be described with reference to FIG. 5. Figure 5 is a flow chart illustrating in detail the operation operation of the securities company account using the automatic selling of beneficiary certificates according to the present invention.

Receiving a request from the user for the withdrawal of the amount of the securities company account or through direct debit, securities company branch, ATM (CD), affiliated bank computer (200), a plurality of bank computer (300), financial common network (500) and And / or withdrawal request from the securities company account from the transfer target computer (400) (S200p), the control unit detects that withdrawal data is input through the data communication unit 310 (S200). After buying beneficiary certificates in the securities company account, after checking the deposit amount remaining (S210), checking whether there is a deposit amount as much as the withdrawal request amount (S220), and if there are more deposits, withdraw money by withdrawing money from the deposit. An instruction is made (S270). If there is less deposit, the same amount of cash is available on the day after checking whether there is a beneficiary that can be cashed on the day in order to withdraw the balance (in this case, balance = withdrawal amount-deposit), which is the difference between the withdrawal request amount and the deposit amount. Select a beneficiary certificate (S230). Determination of beneficiary certificates that can be cashed on the day can be determined by referring to period information for each beneficiary certificate in the memory unit 330. After selecting the beneficiary that can be cashed on the day, it is determined whether there is a remaining balance (in this case, the balance = withdrawal request amount-deposit-the beneficiary sale price that can be cashed on the day) (S240). If the balance (in this case, the balance = withdrawal request amount-deposit-the amount of sales of beneficiary certificates that can be cashed on that day) does not remain, withdraw money (S270), and the balance remaining after selling the beneficiaries that can be cashed on that day (in this case, , Balance = withdrawal request amount-deposit-the amount of sales of beneficiary certificates that can be cashed on that day), since the operating policy of the securities company account of the present invention is based on the same day withdrawal, profits that can be traded within a few days in the holding beneficiary certificates DB After selecting the securities (S250) secures the selected beneficiary securities through the securities company account allows the user or other institutions withdraw the withdrawal request amount.

At this time, there may be a variety of ways to determine the beneficiary certificates to be secured. Here are some of them. The first method is to select the beneficiary certificates that hold the present value more than the balance and have the closest amount. In this case, since the present value of the beneficiary certificates held must be grasped, the beneficiary certificate value calculation unit 350 should be used. The second method may be a method of selecting a beneficiary certificate that can be cashed as soon as possible regardless of the present value. In this case, the term information of each beneficiary certificate of the memory unit 330 should be referred to. Considering both the first and second methods, there may be a choice of how to make the user pay less interest. For example, if you have 2 million won in balance, and you have a beneficiary 1 worth 2.5 million won with 4 days cashing period and 2 times worth 3 million won and worth 2 million won, For the method, we will select beneficiary 1, for the second method we will sell beneficiary 2, and for the third method we will sell the beneficiary 1 and beneficiary 2 for the interest returned to the user. The company will then sell the beneficiary certificate that pays less interest.

In the case of the above method, the control unit 320 determines the type of beneficiary certificates to be sold when the deposit is insufficient. However, this method provides a selection window when the user requests the withdrawal of money from the securities account. Of course, the type and quantity of securities can be directly input by the user. That is, in step S230 of FIG. 5, the user may select a type of beneficiary certificate to be sold and the user may be encouraged to sell the beneficiary certificate desired by calculating and displaying a withdrawable amount from the beneficiary certificate selected by the user. have. At this time, the information on the beneficiary certificates to be sold by the user is input to the beneficiary certificate sales selection information of the memory unit 330. The sale of the designated beneficiary certificate can be made by referring to the beneficiary certificate sale selection information. Alternatively, as described above, a part of the amount of money to be withdrawn may be sold by the user, and the beneficiary certificate to be sold may be selected according to the judgment of the control unit 320 only for the remaining balance. Of course.

Selling the beneficiary certificate by selling the beneficiary certificate selected by one of the above methods through the selling unit 340 (S255), withdrawing (S270) and updating the holding beneficiary certificate DB and the transaction information DB (S260). Will complete.

Although not shown in FIG. 5, when the withdrawal data is input in step S200, the total amount (withdrawal request amount) requesting withdrawal is the current value of deposits currently held in the user's securities company account and all present beneficiary certificates. If it is larger than the sum, the method may further include transmitting a message indicating that the withdrawal request cannot be executed and disallowing the withdrawal.

Also, withdrawal requests for withdrawals during times when beneficiary certificates cannot be traded, i.e. when there is a withdrawal request outside the business hours (weekdays from 9:00 am to 3:00 pm), except on Saturdays and holidays. If the requested amount is greater than the deposit and there is a beneficiary certificate you hold, you can withdraw the money by collateralizing one of the beneficiary certificates you have. At this time, the method of setting the beneficiary to set the collateral is the same as described above, but in this case, it is preferable to apply the above method including the beneficiary of the kind that can be cashed on the day.

6 is a block diagram illustrating a detailed configuration of a beneficiary certificate trading system 400M according to the present invention. The beneficiary certificate trading system 400M includes a data communication unit 410, a controller 420, a beneficiary certificate trading unit 440, one or more memory units 430, and a beneficiary certificate value calculating unit 450.

The data communication unit 410 is connected through a securities company branch, ATM (CD), affiliated bank computer 200, a plurality of bank computer 300 and / or financial common network 500, the control unit 420 In accordance with the control of the user, each user inputs data related to deposit and withdrawal using the securities company account.

The control unit 420 receives the deposit data from the securities company branch, ATM (CD machine), affiliated bank computer 200 and / or a plurality of bank computer 300 through the data communication unit 410 to the securities company account In addition to controlling the purchase of the beneficiary certificate selected by the user under the control of 420, and withdrawal data is input, the beneficiary certificate is selected under the control of the control unit 420 to select a beneficiary certificate through the beneficiary certificate trading unit 440. Control to sell automatically.

The at least one memory unit 430 is a beneficiary certificate purchase selection DB for storing information on the type of beneficiary certificates that the user wants to purchase, a holding beneficiary certificate DB for storing a list of beneficiary certificates currently held by the user of the securities company account For example, information on the point at which it is cashed when it is sold by each beneficiary certificate (for example, in case of MMF, it can be cashed on the same day. Therefore, the period information for each beneficiary certificate, which is set to “4”), the transaction information DB for storing and depositing the information on the deposit and withdrawal of the securities company accounts and the information on the beneficiary purchase, which are owned by each user, and for each beneficiary certificate. In the form of a DB or a table, the price information of beneficiary certificates that receive and store the purchase price that can be purchased on the day from the data communication unit 410. Save as.

When the user wants to withdraw money from the securities company account, the memory unit 430 may further include beneficiary certificate sales selection information that allows the user to select a type of beneficiary certificate to be sold in the form of a DB or a table. have.

The beneficiary certificate trading unit 440 functions to purchase at least one beneficiary certificate or sell at least one of the beneficiary certificates that are held by the deposit of the securities company account for each user under the control of the control means 420.

The beneficiary certificate value calculation unit 450 functions to calculate the present value of each beneficiary certificate currently held. Beneficiary certificates have the characteristic that the price of the day changes according to the change of economic indicators, and the value of the point of purchase and the point of sale will change according to these characteristics. Therefore, when selling, it is necessary to calculate the appropriate selling price by calculating the present value in advance.

Since the operation of the automatic beneficiary certificate trading system shown in FIG. 6 performs the functions of FIG. 3 describing the automatic purchase of beneficiary certificates and FIG. 5 describing the automatic selling of beneficiary certificates, a detailed description thereof will be omitted.

As described above, according to the occasional deposit and withdrawal and automatic transfer service providing system of the securities company account using the automatic sale of beneficiary certificates of the present invention, by extending the use of the conventional securities company account, automatically designated by the user in advance without the user's request As users can automatically purchase and repurchase certain beneficiary certificates, each user can return to the securities company account through the securities company account, eliminating the conventional method of temporarily holding the reserve funds in the form of low interest rates before investing in the beneficiary certificates. It is possible to increase and withdraw the funds and withdrawals through the securities company account conveniently within the value range of deposits and beneficiary certificates purchased.

In addition, by providing all the financial transaction services, such as free time deposit and withdrawal, payroll, automatic debit payment services, it is possible to use the securities company account as the representative account of the personal asset management account.

Herein, while the present invention has been described with reference to the preferred embodiments, those skilled in the art will variously modify the present invention without departing from the spirit and scope of the invention as set forth in the claims below. And can be changed.

Claims (9)

As a beneficiary certificate automatic purchase system that allows users to freely purchase various beneficiary certificates through the securities company account using the amount entrusted by each user, A data communication unit which is connected to an ATM, an affiliated bank computer, and a plurality of bank computers to input data related to the deposit using the securities company account; A beneficiary certificate purchase selection database that stores information on the types of beneficiary certificates that the user prefers to purchase, a beneficiary certificate database that stores information on the beneficiary certificates that the user possesses, and each revenue when the beneficiary certificates are sold. Period information by beneficiary certificates, which stores the property including the period for which the selling amount of each securities is withdrawn in cash, price information of beneficiary certificates that store the purchase price of each beneficiary certificate, and the beneficiary certificates traded through the securities company account. At least one storage unit including a transaction information database for accumulating and storing information about a transaction; A control unit for generating a control signal for calculating the type and amount of beneficiary certificates to be purchased and purchasing them by referring to the beneficiary certificate purchase selection database and the beneficiary certificate price information when the deposit data is input through the data communication unit; And A beneficiary certificate automatic purchase system, comprising: a beneficiary certificate purchase unit which generates data for purchasing the beneficiary certificate according to a control signal of the controller and performs a purchase process. As a beneficiary certificate selling system that allows users to freely sell various beneficiary certificates through securities company accounts using the amount entrusted by each user, A data communication unit communicating with an ATM, an affiliated bank computer, and a plurality of bank computers to perform data processing related to withdrawal from the securities company account; By beneficiary certificates that store information about beneficiary certificates held by the user, and by the beneficiary certificates that store an attribute including the time it takes for the selling amount of each beneficiary to withdraw cash in cash when each beneficiary certificate is sold At least one storage unit including period information, beneficiary certificate price information for storing a purchase price of each beneficiary certificate, and a transaction information database for accumulating and storing information on a transaction of a beneficiary certificate traded through the securities company account; A beneficiary certificate value calculator for calculating a present value of a beneficiary certificate of a user held in the securities company account; A control unit for generating a control signal for automatically selling the selected beneficiary certificate by selecting at least one beneficiary certificate in the beneficiary certificate holding beneficiary certificate database when the withdrawal data is input through the data communication unit; And And a beneficiary certificate selling unit configured to generate data for selling the beneficiary certificate according to the control signal of the controller and perform a selling process. The method of claim 2, The beneficiary certificate to be sold by the controller is first selected from among the beneficiary certificates that can be cashed on the day with reference to the period information for each beneficiary certificate. The method of claim 2, If the beneficiary certificates to be sold and sold by the control unit refer to the period information for each beneficiary certificate, and the amount of money to be withdrawn from the beneficiary certificates that can be cashed on the same day is insufficient, a loan is generated by collateralizing at least one of the beneficiary certificates held. Automatic selling system of beneficiary certificates, characterized in that withdrawal. The method of claim 4, wherein Selection of beneficiary certificates to be set as collateral is performed by calculating the present value of the beneficiary certificates currently held using the beneficiary certificate calculation unit, and the calculated present value is larger than the remaining amount of the amount to be withdrawn and the remaining amount of the amount to be withdrawn. Automatic selling system of beneficiary certificates, characterized in that to sell the beneficiary certificates closest to the. As a beneficiary securities trading system that allows users to freely trade various beneficiary certificates through securities company accounts using the amount entrusted by each user, A data communication unit communicating with an ATM, an affiliated bank computer, and a plurality of bank computers to input data relating to deposits and withdrawals using the securities company account; By beneficiary certificates that store information about beneficiary certificates held by the user, and by the beneficiary certificates that store an attribute including the time it takes for the selling amount of each beneficiary to withdraw cash in cash when each beneficiary certificate is sold At least one storage unit for storing period information, beneficiary certificate price information for storing a purchase price for each beneficiary certificate, and a transaction information database for accumulating and storing information on a transaction of a beneficiary certificate traded through the securities company account; A beneficiary certificate value calculation unit that calculates a present value of a beneficiary certificate of a user held in the securities company account; When deposit data is input through the data communication unit, the first control signal and the data communication unit determine the type and amount of beneficiary certificates to be purchased and purchase them by referring to the beneficiary certificate purchase selection database and the beneficiary certificate price information. A controller configured to generate a second control signal for automatically selling the selected beneficiary certificate by selecting at least one beneficiary certificate in the holding beneficiary certificate database when the withdrawal data is input through the withdrawal data; And And a beneficiary certificate trading unit configured to generate and sell data for purchasing beneficiary certificates or data for selling the selected beneficiary certificates according to the first control signal of the controller. The method of claim 6, The beneficiary certificate to be sold by the controller is selected from among the beneficiary certificates that can be cashed on the same day by referring to the period information for each beneficiary certificate. The method of claim 6, The beneficiary certificates to be sold by the controller may generate loans with collateral on the beneficiary certificates that are held if the amount of money to be withdrawn from the beneficiary certificates that can be cashed on the same day is referred to by the period information for each beneficiary certificate. Automated securities trading system, characterized in that. The method of claim 8, The selection of beneficiary certificates to be set as collateral may be performed using the value calculator to calculate the present value of the currently held beneficiary certificates and to sell the closest beneficiary certificates that are larger than the remaining amount of the withdrawal amount. Automated securities trading system, characterized in that.

Images