KR100616202B1 - System for automatic buying and selling bond at any time and method of selling bond using the same - Google Patents

Abstract

According to the present invention, when funds are deposited into a securities company account through a user's deposit or payroll transfer, the bond is automatically purchased in a user-specified order without the user's special request, and the bond purchased when the user's withdrawal request or direct debit request is made. By automatically repurchasing and paying, the present invention relates to an occasional deposit and withdrawal and automatic debit service providing system of a securities company account using the automatic sale of bonds to enable the user's free deposit and withdrawal, payroll, automatic payment service.

The automatic bond trading system of the present invention includes at least one data communication unit for performing input of deposit and withdrawal data, a bond purchase selection database, a holding bond database, period information for each bond, transaction information database, and current purchase price information for bonds. And a control unit for controlling the purchase or sale of bonds and a bond sale processing unit, when the deposit and withdrawal data is input through the data calculation unit for calculating the present value of the user's bonds held in more than one storage unit and securities company account. It features.

Financial common network, bond withdrawal, direct debit

Description

Bond trading system and method of trading that can be withdrawn at any time {SYSTEM FOR AUTOMATIC BUYING AND SELLING BOND AT ANY TIME AND METHOD OF SELLING BOND USING THE SAME}

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 a bond according to the present invention;

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

Figure 3 is a flow chart showing in detail the operation operation of the securities company account using the automatic purchase of bonds according to the present invention,

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

Figure 5 is a flow chart showing in detail the operation operation of the securities company account using the automatic selling of bonds according to the present invention,

6 is a block diagram showing the detailed configuration of a bond 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: bond buying portion 340: bond selling portion

440: bond sales 200: affiliated bank computer

200M: Bond Purchase System 300: Bank Computer

300M: Bond Selling System 400: Computers Subject to Transfer

400M: Bond Trading System 500: Financial Common Network

The present invention relates to a bond automatic trading system and a bond trading method that can freely sell bonds, and more specifically, when funds are deposited into a consignment account through a user's deposit or payroll transfer, the funds are ranked in advance by a user without a user's request. Automatically purchase bonds, and automatically repurchase and pay the purchased bonds at the user's withdrawal request or direct debit request, so that users can freely withdraw, pay, and make payments through direct debit. It relates to a system and a bond trading method using the same.

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 consigned account, in addition to depositing and withdrawing funds through the branches of affiliated banks and other banks, or through automated teller machine (ATM) machines (or cash dispenser machines), It is of course possible to withdraw and withdraw funds through an ATM (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 the bond, the funds are transferred from the consignment account to the newly opened beneficiary account, and then the bonds such as MMF are purchased based on the transferred amount. The funds will be withdrawn directly from the beneficiary securities account through a securities company or transferred to a consignment account linked to the bank's virtual account.

However, in the case of the conventional consigned account as described above, it was used only for the purpose of trading bonds or depositing and depositing funds at the request of the user, and was unable to use payment services such as utility bill storage and card payment. To solve this problem, there was a problem of repurposing and cashing a bond purchased by a securities company and transferring the funds to a utility billing account.

In addition, in order to buy and sell bonds, 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 performed 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 capable of making instantaneous deposits and withdrawals such as ordinary deposits of banks by buying and selling bonds that can be repurchased immediately. According to the deposits deposited in the account, the company automatically purchases various bonds without a separate purchase application, or withdraws in response 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 that buy back bonds and automatically withdraw money.

In order to solve the above-mentioned problems, an object of the present invention, when funds are deposited into a consignment account through a user's deposit or payroll transfer, automatically purchases a bond with reference to a predetermined priority without a user's request, and withdraws the user's money. When a request or direct debit is requested, the receivables are automatically repurchased and paid, so that users can freely withdraw, withdraw pay, and make deposits and withdrawals from the securities company accounts using automatic receivables. It is to provide a transfer service providing system.

The above object of the present invention is a bond automatic purchase system that allows a user to freely purchase various bonds through a securities company account using the amount entrusted by each user, and is connected to an ATM machine, a partner bank computer, and a plurality of bank computers. The data communication unit which inputs data related to the deposit using the securities company account, the bond purchase selection database which stores information on the types of bonds that the user prefers to purchase, and holds information about the bonds held by the user. Bond database, bond period information for storing the attribute including the time it takes to withdraw the selling amount of each bond in cash when each bond is sold, bond price information for storing the purchase price for each bond, the securities Information about trading bonds traded through company accounts When deposit data is input through at least one storage unit and a data communication unit including a transaction information database that accumulates and stores a company holding bond DB that stores information on the type and sales amount of bonds held by the securities company, First, check whether the bond is included in the company's holding bond DB, and if the bond is in the company's holding bond DB, buy it from the company, and if the bond is not included in the company's holding bond DB, the bond purchase selection database and the bond The bond purchase unit which calculates the type and amount of the bond to be purchased and generates the control signal to purchase the bond according to the control signal of the controller and calculates the type and amount of the bond to be purchased by referring to the price information. By bond automatic purchase system characterized by having Standing can be achieved.

A further object of the present invention is a method of automatically selling bonds, which allows users to freely sell various bonds through a securities company account using the amount entrusted by each user, an external computer including a user or a partner bank and / or another bank. A first step of receiving withdrawal data including a withdrawal request and a withdrawal request amount from a second step; a second step of calculating a first balance by subtracting the deposit remaining in the securities company account from the withdrawal request amount; and in the second step A third step of withdrawing money from the deposit in the securities company account if the first balance is less than zero, and holding information for holding bonds held by the user if the first balance is greater than zero in the second step; When the bond database and each of the holding bonds are sold, the selling amount of each bond is withdrawn in cash. A fourth step of cashing and / or collateralizing the held receivables with reference to a period information database for each bond that stores an attribute including a period required for the withdrawal, wherein the third and fourth steps include: It is also achievable by a method of selling a bond automatically, which is optionally performed.

Before describing the present invention in detail with reference to the drawings will be described with respect to the bond. Bonds are borrowing certificates issued by governments, public organizations, and public corporations to raise relatively large amounts of funds from the public at one time, and are securities that recognize bonds accordingly. Bonds are fixed-term securities that have a fixed repayment deadline, and are defined as fixed-interest securities with a fixed interest rate. Since bonds are generally issued by the government, they are highly secure, profitable to earn interest income based on interest rates, and capital income based on market profits, and liquidity that can be cashed. Due to these characteristics, bonds can be used as a means of managing major investment funds depending on maturity and yield.

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

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

As shown, the securities firm computer 100 issues a securities company account that can automatically purchase bonds specified in advance by the user for the bond transaction at the user's request, and the securities company opened by each user. Stores the bond selection information selected by the user for automatic trading of the bond through the account information and 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 through an ATM (CD) installed in a bank or another bank, or an automatic deposit such as payroll, etc.) is entered, a specific bond selected by the user is automatically calculated based on the funds deposited into the securities company account. Purchase

At this time, 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 a predetermined bond purchase time, the bond purchase When the time arrives or in real time, the deposit of the securities company account held by each user purchases a specific bond set by the user at the time of opening the securities company account or after a predetermined time after opening the securities company account.

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 direct debit request data such as utility bills, card charges, and communication charges from a bank account of a specific user, and the result data which is automatically debited from the user's securities company account from the affiliate bank computer 200. Notified

2 is a block diagram showing a detailed configuration of a bond purchase system 200M according to the present invention. The bond purchase system 200M includes a data communication unit 210, a controller 220, a bond 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, Based on the funds, the bond 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 bond purchase selection database (hereinafter referred to as "DB") that stores information about the type of bond that the user wants to purchase, a list of bonds currently held by the user of the securities company account Stored bond DB to be stored, period information for each bond, which is information on when the bond is cashed out when it is sold (most bonds can be cashed on the day, but some bonds may take several days), Bonds stored and received from the data communication unit 310, the transaction information DB that stores the deposit and withdrawal information and securities purchase information of the securities company account held by users in real time, the purchase price for each bond can be purchased on the same day Company-owned bond DB that stores price information and information on the type and quantity of bonds held by the securities company. The chapter. The storage form of the information may be various storage forms using a DB, a table, or a register.

Under the control of the control unit 210, the bond purchase unit 240 uses the deposit of the securities company account for each user to use the bonds through an external institution or, in the case of a bond held by the securities company, of the securities company. It functions to buy a holding bond.

Next, a detailed flow of the automatic purchase of the bond 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 bonds according to the present invention.

First, the user opens a securities company account and specifies the type of bond to purchase (S100p). It is of course possible to set the type of bond after a certain time has passed since opening a securities company account. The bond automatic purchase system 200M receives the bond selection information and stores it in the bond 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 automatic bond purchase system 200M selects the bond to be purchased by referring to the bond purchase selection DB of the memory unit 230 and refers to the price information for each bond in order to determine the purchase price of the corresponding bond (S120). Using the information of the step S120 to determine the purchase amount of bonds that can be purchased with the incoming payment amount, and the remaining amount of the deposit amount other than the purchase amount of the bond 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 bond purchase. Next, by searching the company holding bond DB in the securities company (S132), it looks at whether or not the bond specified to purchase is held by the securities company (S134). If the bond is held by the company's holding bond DB in the securities company, the bond is processed as a purchase order to purchase the bond within the company (S136). Process as a purchase order for purchases (S140). Of course, it is also possible to purchase a portion of the bond to be purchased in the company's holding bonds within the securities company and to process the remaining balance through an external institution.

The control unit 220 generates a control signal to purchase the selected bond as the purchase amount, and the bond purchase unit 240 buys the bond in response to the control signal, the holding bond DB, transaction information DB and company holding bond DB By updating (S150) to complete the bond purchase.

4 is a block diagram showing the detailed configuration of the bond selling system 300M according to the present invention. The bond selling system 300M includes a data communication unit 310, a controller 320, a bond selling unit 340, one or more memory units 330, and a bond 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 withdraws data from the securities company branch and ATM (CD machine), the affiliated bank computer 200 and / or the plurality of bank computers 300 to the securities company account through the data communication unit 310. In step 310, the user selects a bond to withdraw the amount requested by the user and controls the seller to automatically sell the specific bond through the beneficiary certificate seller 340.

At least one memory unit 330 is a bond purchase selection DB for storing information about the type of bonds that the user wants to purchase, a holding DB for storing a list of bonds currently held by the user of the securities company account, for each bond Period-specific information for each bond, which stores information about when it is cashed out when it is sold (most bonds can be cashed on the day, but some may take days), and the securities companies that each user holds Transaction information DB that accumulates and stores information on deposit and withdrawal of information and information on beneficiary securities in real time, bond price information received and stored in the purchase price of each bond from the data communication unit 310, and bonds held by the securities company Stores company bond DB that stores information about types and quantities of securities. The storage form of the information may be various storage forms using a DB, a table, or a register.

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

The bond selling unit 340 functions to sell the bond using the deposit of the securities company account for each user under the control of the control unit 320.

The bond value calculation unit 350 functions to calculate the present value of each bond currently held. Bonds have a characteristic that the price changes every day according to the change of economic indicators, and the value at the point of purchase and 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.

Detailed flow of the automatic sale of the bond according to the present invention will be described with reference to FIG. Figure 5 is a flow chart illustrating in detail the operation operation of the securities company account using the automatic selling of bonds 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 / Or if the 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 bonds 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 day cashing is performed after checking whether there is a bond that can be cashed on that 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 possible bond (S230). Determination of the bond that can be cashed on the day can be determined by referring to the period information for each bond in the memory unit 330. It selects a bond that can be cashed on the day, and determines whether there is a remaining balance (in this case, the balance = withdrawal request amount-deposit-the amount of bond sales that can be cashed on the day) (S240). If the balance (in this case, the balance = withdrawal request amount-deposit-the amount of bond sales that can be cashed on that day) does not remain (S270), the balance remaining after selling the bonds that can be cashed on that day (in this case, the balance) = Withdrawal request amount-deposit-the amount of bonds that can be cashed on that day), if the securities company account of the present invention operates on the basis of withdrawal on the same day, select a bond that can be traded within a few days within the holding DB ( S245) After setting the security of the selected bond, it allows the user or other institution to withdraw the withdrawal request amount through the securities company account.

At this time, there may be various ways to determine the bond to be secured. Here are some of them. The first method is to select the bond with the closest amount of holdings with more present value than the balance. In this case, since the present value of the holding bonds must be determined, the bond value calculating unit 350 should be used. The second method may be a method of selecting a bond that can be cashed as soon as possible regardless of the present value. In this case, reference should be made to the term information of each bond in the memory unit 330. Considering both the and the second method, it may be possible to select a method that charges the user less interest. For example, if you have a balance of $ 2 million, and you have a receivable 1 with a bond of 2.5 million won for 3 days and a bond of 2 days with a cash period of 2 days and a value of 3 million won, In the second method, we will sell bond 2, and in the third method, if we sell bonds 1 and 2, we will buy a bond that pays a small amount of interest in preparation for the amount of interest the user holds. Will sell.

In the case of the method, the control unit 320 selects the type of bond to be sold when the deposit is insufficient. However, when the user requests the withdrawal of money from the securities account, a selection window is provided to select the type of bond to be sold. Of course, the type and quantity can be input directly from the user.

That is, in step S230 or S245 of FIG. 5, the user may be prompted to select a type of bond to sell, and the user may be induced to sell the desired bond by providing a step of calculating and displaying a withdrawable amount from the bond selected by the user. have. At this time, information about the bond to be sold by the user is input to the bond sale selection information of the memory unit 330. The sale of the designated bond is possible by referring to the bond sale selection information. Alternatively, as described above, some of the amounts to be withdrawn may be sold by the user, and only the remaining balance may be selected by the control unit 320 in the same manner as described above. Of course.

Sell the bonds selected by one of the above methods through the selling unit 340 (S250), withdraw (S270) and update the holding bonds, transaction information DB, and bond sales selection information (S260). Will complete.

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

In addition, if a withdrawal request is made during a time when a bond cannot be traded, i.e. withdrawal is requested outside the business hours (weekdays from 9:00 am to 3:00 pm) of the securities company except on Saturdays and holidays. If the amount is greater than the deposit and you have a bond, you can withdraw the money by collateralizing one of the bonds you have. In this case, the method of setting the bond to set the security is the same as the method described above, but in this case, it is preferable to apply the above method including the kind of bond that can be cashed on the day.

6 is a block diagram showing the detailed configuration of a bond trading system 400M according to the present invention. The bond trading system 400M includes a data communication unit 410, a controller 420, a bond trading unit 440, one or more memory units 430, and a bond 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 According to the control of the user, the 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 bond selected by the user under the control of 420, and withdrawal data is input, select the bond under the control of the controller 420 to automatically sell the specific bond through the bond trading unit 440. To control.

At least one memory unit 430 is a bond purchase selection DB for storing information about the type of bond that the user wants to purchase, a holding DB for storing a list of bonds currently held by the user of the securities company account, for each bond Period-specific information for each bond, which stores information about when it is cashed out when it is sold (most bonds can be cashed on the day, but some may take days), and the securities companies that each user holds Transaction information DB that accumulates and stores information about deposit and withdrawal of accounts and information about bond purchases in real time, and bond price information that is received by the purchase price of each bond from the data communication unit 310 and the bonds held by the securities company. Stores company bond DB that stores information about types and quantities. The storage form of the information may be various storage forms using a DB, a table, or a register.

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

The bond sales unit 440 functions to purchase or sell at least one of the bonds held by the deposit of the securities company account for each user under the control of the control means 420.

The bond value calculator 450 calculates the present value of each bond currently held. Bonds have a characteristic that the price changes every day according to the change of economic indicators, and the value at the point of purchase and 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 the bond and FIG. 5 describing the automatic selling of the bond, a detailed description thereof will be omitted.

As described above, according to the occasional deposit and withdrawal and automatic transfer service providing system of a securities company account using the automatic sale of bonds of the present invention, the use of a conventional securities company account by extending the use of the account specified by the user automatically specified in advance without the user's request The ability to purchase and repurchase bonds automatically allows each user to increase their return on free funds through a securities company account, freeing them from the traditional method of temporarily holding reserve funds in the form of low interest rates before investing in bonds. In addition, it is effective to deposit and withdraw funds through securities company accounts within the range of value of deposits and purchased bonds regardless of weekday / holiday.

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 (14)

As a bond automatic purchase system that allows users to freely purchase various bonds through securities company accounts 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 bond purchase selection database that stores information about the types of bonds that a user prefers to purchase, a bond database that stores information about bonds held by the user, and the selling amount of each bond when the bond is sold becomes cash. Transactions that accumulate and store information on periods of bonds that store attributes including the time required to withdraw, bond price information that stores the purchase price of each bond, and information on transactions of bonds traded through the securities company account. At least one storage unit including an information database and a company-owned receivables DB for storing information on types and sales amounts of bonds held by the securities companies; When the deposit data is input through the data communication unit, first confirm whether the bond contained in the company holding bond DB, and if the bond of the company holding bond DB, buy it from the company, and not included in the company holding bond DB In the case of a bond, a control unit for generating a control signal for calculating the type and amount of the bond to be purchased and purchase the same by referring to the bond purchase selection database and the bond price information; And And a bond purchase unit which generates data for buying bonds according to a control signal of the controller and performs a purchase process. As a bond selling system that allows users to freely sell various bonds 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; Retention bond database that stores information about bonds held by the user, period information by bonds, which stores the attribute including the time it takes for the selling amount of each bond to withdraw cash when each bond is sold, and each bond Bond price information for storing the purchase price for each, transaction information database for accumulating and storing information on the transactions of bonds traded through the securities company account, and stores information on the type and amount of bonds held by the securities company At least one storage unit including a company holding DB; A bond value calculation unit that calculates a present value of a user bond held in the holding bond database; When the withdrawal data is input through the data communication unit, select at least one bond in the holding bond database, calculate the selling amount by referring to the bond price information, and then sell the selected bond automatically. A control unit for generating a control signal; And And a bond selling unit which generates data for selling the bond according to the control signal of the controller and performs the selling process. The method of claim 2, The bond to be sold by the control unit is the bond automatic selling system, characterized in that to first select from among the bonds that can be cashed on the day with reference to the period information for each bond. The method of claim 2, The storage unit further comprises a bond selling selection information for allowing the user to select the type of bond to be sold if the user wants to withdraw money from the securities company account. As a method of automatic purchase of bonds that allows users to freely purchase various bonds through securities company accounts using the amount entrusted by each user, Receiving the bond selection information for selecting the type of bond to be purchased from the user who opens the securities company account, and selects the bond in a bond purchase selection database that stores information on the type of bond to be purchased by the user; A first step of storing information; A second step of receiving deposit data including a deposit amount from the external institution computer including the user or affiliated bank and / or another bank to the securities company account; A third step of selecting a purchase receivable with reference to the bond purchase selection database and determining a purchase price of the selected purchase receivable by referring to a price information database for each bond that stores a purchase price for each bond; A fourth step of deciding a purchase amount of bonds that can be purchased with the deposit amount, and processing the remaining amount by subtracting the bond purchase amount from the deposit amount as a deposit; And And a fifth step of purchasing the selected purchase receivable as much as the bond purchase amount, and in the fourth step, when the deposit is less than a predetermined amount, the bond purchase process is not performed. A fifth step in which the fifth step determines whether or not the selected purchase receivable is held by referring to a company holding receivable database that stores a list of receivables held by the securities company; Step 5-2 of purchasing securities held by the securities company when the securities company holds the selected purchase receivable in step 5-1; Step 5-3, in the step 5-1, if the securities company does not hold the selected purchase receivable, buying in an external institution; And In step 5-1, if the securities company holds only a part of the selected purchase receivable, step 5-4 of purchasing securities held by the securities company and processing the remaining amount through the external institution is performed. And the steps 5-2 to 5-4 are selectively performed respectively. delete delete As an automatic method of selling bonds that allows users to freely sell various bonds through securities company accounts using the amount entrusted by each user, A first step of receiving withdrawal data including a withdrawal request and withdrawal request amount from an external computer including the user or an affiliated bank and / or another bank; A second step of calculating a first balance by subtracting the deposit remaining in the securities company account from the withdrawal request amount; A third step of withdrawing the deposit from the securities company account if the first balance is 0 or less in the second step; And In the second step, if the first balance is greater than zero, a holding bond database storing information on holding bonds held by the user and the selling amount of each bond are debited in cash when the holding bonds are sold. A fourth step of cashing and / or collateralizing the receivables by referring to a period information database for each of the bonds, which stores an attribute including a period of time; Wherein the third step and the fourth step are selectively performed, The fourth step comprises: determining whether there is a same-day bond that can be cashed on the day by referring to the holding bond database and the term information database for each bond; A second step of calculating a second balance by subtracting a sale amount of the same day bond from the first balance when the same day bond exists in the fourth step; Step 4-3 if the second balance is equal to or less than 0, withdrawing the amount of the deposit and selling the same-day bond; And If the second balance is greater than zero (4) comprises the step 4-4 of selling and / or collaterally set the withdrawable processing of the bonds available for sale except the day bonds in the holding bond database, 4. The method of automatically selling bonds, characterized in that steps 4-3 and 4-4 are selectively performed. delete The method of claim 8, In step 4-4, A method for automatically selling bonds, characterized in that the holding bonds having the selling amount closest to the second balance among the holding bonds excluding the same-day bonds are selected and secured. The method of claim 8, In step 4-4, A method for automatically selling bonds, characterized in that the holding bonds with the fastest cashing period are selected and collateralized among the holding bonds excluding the same-day bonds. The method of claim 8, In step 4-4, A method for automatically selling bonds, characterized in that the holding bonds having the lowest interest cost are selected and collateralized among the holding bonds except the same-day bonds. The method of claim 8, The fourth step, Step 4-5 of receiving, from the user, a holding bond to be sold among the holding bonds; And And selling the selected bond and selling and / or collaterally setting the withdrawal process. The method of claim 8, And a fifth step of rejecting the withdrawal request if the withdrawal request amount is greater than the sale amount of the deposit and the holding bond.

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